🔄 Quick Repay → Reborrow Behavior
Customers who repay within 7 days then reborrow within 7–35 days · Last 120 days · Generated Mar 1, 2026
11,034
Total Qualifying Customers
At least 1 quick-repay + reborrow pair
2,263
Scored 200 (Penalized)
20.5% of qualifying customers
7,333
Score > 250
66.5% scored above floor
6,597
Strict Cyclers (≤2 day gap)
59.8% reborrow within 2 days of repay
⚠️ 20.5% of quick-repay customers are stuck at Score 200 — despite demonstrating consistent repayment behavior. These customers repay on average in 10.4 days and reborrow within 22 days. Their behavior is nearly identical to customers scoring above 250.
📊 Group Comparison
| Score Group |
Customers |
Avg Loans |
Avg Days to Repay |
Min/Max DTR |
Avg Disb Gap |
Min/Max Gap |
Cyclers (≤2d) |
Cycling Instances |
| Score 200 |
2,263 |
3.3 |
10.4 days |
0 / 59 |
22.4 days |
0 / 77 |
1,527 (67%) |
2,197 |
| Score 201–250 |
1,438 |
4.3 |
10.4 days |
0 / 78 |
19.2 days |
0 / 100 |
1,051 (73%) |
2,533 |
| Score > 250 |
7,333 |
3.6 |
9.9 days |
0 / 97 |
22.5 days |
0 / 98 |
4,019 (55%) |
8,401 |
🔍 Key finding: Score 200 customers have virtually identical repayment behavior to Score > 250 customers (10.4 vs 9.9 avg days to repay, 22.4 vs 22.5 avg disb gap). The score difference is not explained by repayment behavior.
📈 Distributions
Score Distribution of Qualifying Customers
Days to Repay Distribution (all pairs)
Disbursement Gap Distribution (all pairs)
🔢 Pair-Level Statistics (28,808 loan pairs)
13,131
Strict Cycling Pairs
Reborrow ≤ 2 days after repay (45.6%)
372
Late Repayment Pairs
Only 1.3% had any late principal
15,971
Quick Repay (≤7d) Pairs
55.4% repaid within a week
📋 Methodology
Data window: Last 120 days (closed loans only)
Qualifying criteria: At least one consecutive loan pair where days_to_repay ≤ 7 AND disbursement_gap between 7–35 days
Strict cycling flag: close_to_reborrow_gap ≤ 2 days (repay → reborrow within 48 hours)
Late flag: PRINCIPALLATE_ > 0 from F_DTR table
Score: Latest FIDO_SCORE per customer
Sources: GHANA_PROD.DATA.F_DTR, GHANA_PROD.ML.LOAN_INFO_TBL, GHANA_PROD.DATA.FIDO_SCORE