If Zomia still incurs losses on its loans, how is it sustained?

In the initial phase of Zomia’s development, we focused on providing services to our students and refining our lending model; to date, most of our operations have been funded via capital injections separate from the funding of student loans. Over time, revenue-generating activities will be given higher priority as we work to become self-sufficient in covering our operational expenses. Student overpayments (a form of interest) are used in part to cover loan administration costs.