Glad I came across this post, I hate collecting loans but then there is always something triggering people to collect loans while others collect just to sort out some minor issues. So my aunty collected a loan last year, and her reason for collecting the loan wasn't cool, she collected it to get a phone, I told her to wait till when she has sufficient money for the phone then she can get it but she refused, for the past five months she has been complaining on how to complete the loan repayment plus the interest. And now that the country isn't smiling the whole situation is worsen.
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assuming she needed the phone to make money, her reasons could have been justified.
and the rate at which they increase interest on loans is insane.