1. When a member delays in payment of the M-Pawa loans, the balance is recovered from their alpha deposits and their status marked as defaulter.
  2. For reinstatement, the member must put back the amount that was recovered from the Alpha Deposits before Member Changes are done to reactivate the account.
  3. If some days had passed after the last due date of payment, then. the system will lock out the member from borrowing until the delayed days are over, to serve as a penalty for late repayment.