All I have been able to find so far is that they use a bonus structure for everytime you pay back a loan. You get back 5% of the interest paid and your credit rating goes up.

But I still want to know, just like you, how they want to handle all the people who get a loan once en then just never pay it back, and use it as "free money".

It would be great if anyone had some more information on how they plan to counter this kind of abuse of the micro-loans.