The minimum lending rate for ALL our loans is 1.25% per month or 15.00% per annum (excluding fees).
It would obviously not make sense to lend below our 15% p.a. minimum annual lending rate floor, when the average of selected 'risk-free' assets basket yield minimum of 15%, that involves basically no work done or lifting a finger.
Our 'risk-free' 1% interest rate per day (30% return per month) ecash service to selected qualified mobile money vendors was deliberately left out of the table above for obvious and good reasons.
In the light of the above table, it will obviously not make financial and/or economic sense to fund a standalone loan with an interest rate at/below the average annual return of 15.224% (15%) p.a.