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Microfinance Group Lending Circle

Interactive 3D simulation of microfinance group lending: watch borrower groups draw joint-liability loans, invest in small businesses, make installment payments, cover a peer's shortfall, and see household income rise or a default cascade through the group.

Economics & Social Systems3DModerate60 FPS

Microfinance reaches borrowers who have no collateral by replacing it with joint liability: a small group of borrowers co-guarantees each other's loans, so the lender is really underwriting the group's combined ability to pay, not any one household's. This simulation models six such lending circles — households draw loans, invest them in a small business, and face a recurring installment. Watch how peer cash-pooling absorbs small shocks, how a bad enough shock still cascades into default, and how loan size and household income compound over successive cycles for a group that keeps its record clean.

⚙ Under the hood

Interactive 3D simulation of joint-liability microfinance: six borrower groups draw loans, invest in small businesses, and face recurring installments, where peers pool spare cash to cover a shortfall and household income and loan size compound over successive cycles for groups that stay in good standing.

Three.jsmicrofinanceeconomicsagent-basedgroup lending

3D · Three.js / WebGL renderer · 60 FPS target · runs fully client-side, no install