* The SMALL Print

Lender risk

1. You (the lender) take on the risk of default on loan repayments – i.e. if the borrower does not repay some or all of the loan, you will not receive that portion of the loan back. The borrower appraisal and loan application process is undertaken by Good Return's Microfinance Institution partners, all of whom have undergone a due-diligence and assessment by the Good Return team.

2. In order to assist our borrowers to make repayments, your loan is disbursed in their local currency. If the borrower's local currency is not Australian Dollars then it is likely that you will experience a foreign exchange gain or loss on your loan when it is finally repaid to you. Good Return will pass on this foreign exchange gain or loss to you.

3. Given the social nature of your loan, interest is not payable on your loan.

4. Your loan is only tax deductible if you decide to make it a donation. Please note that tax deductions are only available to Australian Residents for Taxation purposes.

5. There are two ways to donate to Good Return:

You can choose up-front to make your loan a donation and receive a tax-deductible donation receipt immediately.

Alternatively when your loan has been repaid and the funds are made available to you, you can decide to donate some or all of the funds.

At the time of your donation you will receive a tax-deductible donation receipt.

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Multiple lenders

Any number of lenders can contribute to funding a single loan. If your chosen borrower still requires additional funding after you have made your loan we encourage you to ask your friends and family to contribute to your borrower’s request.

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How your loan is repaid

When your selected borrower makes a repayment it will be reported to the Good Return website. You can choose to receive an email notification and/or view repayments on the borrower’s profile page. All money repaid will be made available to you at the end of the loan.

Once your loan has been fully repaid, you will receive an email notifying you of the amount that was repaid (including foreign exchange adjustments). You will be advised of your options for using the repayment, which include:

• re-lend to another borrower
• donate the repayment to a Good Return in-country program
• withdraw the funds from your PayPal account.

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Are you making a loan or a donation?

Remember that your loan is helping a borrower to access affordable financial services to help them take a step out of poverty.

Once you select a borrower and proceed to check out, you will be asked if you are making a loan or donating a loan. What’s the difference?

A regular loan is just that. You will lend money to a borrower of your choice and they will undertake to pay you back. No interest is paid to you when you make a loan to a Good Return borrower.

Alternatively, you can make your loan a donation. This means that loan repayments will be donated to Good Return for its training programs. After selecting a borrower simply select the box ‘Make this loan a donation’ and your loan becomes a tax deductible gift.

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Paying and receiving money with PayPal

Paying for your loan or donation is made easy with the help of PayPal, our payment processing partner. If you already have a PayPal account you can simply log in to your account after confirming your order.

If you do not have a PayPal account you can choose to:

• Create a PayPal account
• Pay using your Visa or Mastercard without creating an account

To withdraw loan repayments you choose to send monies from your Good Return account (set up at registration) to your PayPal account. You can then transfer these funds to your linked bank account. If you do not have a PayPal account you will be sent an email advising that funds are waiting your collection and you will be required to create an account to withdraw the funds.

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Make a loan now!

Click the button below to view a list of entrepreneurs who need a loan. Once you have placed the loan in your basket you will be asked to choose whether to make it a straight loan or donate it to Good Return.

Before the project I regarded myself as a low-grade citizen, but now I feel like a real person with a lot to contribute.

Parbhata Panthi, Nepal