The terms and numbers you see on your portfolio can be misunderstood or misinterpreted. Here, we hope to clarify it for you:
Total Fund Transfer: Total amount of funds you have transferred to your Modalku account
Total Fund Withdrawal: Total amount of funds you have requested to withdraw, including fund withdrawals currently in process
Total Lending: Cumulative total of your lending (includes total amount of funding interests refinanced to new loans)
Lending Returns: Comprises total interest, late repayment fees, and early repayment interests received from all funded loans
Received Bonuses: from cashback and promotional campaigns
Service Fees: Total amount of service fees
Nett Income: Lending Interests + Received Bonuses – Service Fees
Funded Loans: Total amount of loans you have funded (excludes loans currently in the crowdfunding process)
Ongoing Loans: Number of loans on your portfolio that has not been completely repaid and excludes defaulted loans
Estimated return rate: Total interest received up to today
Annual portfolio performance (p.a.): Ratio of average annual returns against amount of loans you have funded (reduced by proportion of loan principal that has defaulted)
Unpaid loans (this month): Total loans with repayments due at the end of the month
Estimated returns (this month): Expectation of total principal, interest, and early repayment for this month
Unpaid principal: Total ongoing funding in loan principal that has not been fully repaid
Defaulted principal: Total amount of your funding principal in defaulted loans