Our customer management team works closely with the borrower to flag any risk of delayed payments in advance. We work with the borrowers to ensure timely repayments. Late fees are assessed in the scenario of delayed repayments. If the borrower stops making repayments, and enters into default, the standard loan document will have provisions for the advent of the arbitration proceedings. We also maintain a database of defaulters which will be shared within the community and with credit agencies, if applicable.