1. We review your last 6/12 months of income and set the % based on that. If we expect seasonality we apply an additional % (Buffer%) to ensure that the loan is repaid on time. A buffer % may also be applied if the case is deemed higher risk. 
 
 2. The loan is designed to be flexible so at different times of the year the loan may be behind target and at other times it may be ahead but we are okay with that as we set the overall % to ensure the loan is repaid on time.