December closed out the year on a strong note, with loan volume rising 9.31% and outstanding balances increasing 2.64%, reflecting renewed origination activity and continued portfolio growth. Delinquency metrics ticked up across all stages—Par 30 increased 0.71%, Par 60 rose 0.19%, and Par 90 climbed 0.20%—pointing to some year-end pressure on borrower repayment. The collection rate declined by 2.17%, though the pullback was less severe than in prior months. Loan terms shortened by 0.94%, while interest rates increased 1.05%, potentially supporting lender yields but adding cost pressure for borrowers. As 2025 comes to a close, balancing renewed growth with disciplined credit and collections management remains a key priority heading into the new year.
A full breakdown of the calculations for these metrics is available here.
| Indicator | December MoM |
|---|---|
| Volume | 9.31% |
| Outstanding Balance | 2.64% |
| Par 30 | 0.71% |
| Par 60 | 0.19% |
| Par 90 | 0.20% |
| Collection Rate | -2.17% |
| Term | -0.94% |
| Interest | 1.05% |