In the case of coffee in Chiapas, right now the terms are as follows: 8% annual interest rate to the lender, 4% commission only in case of success for the Local Node, 4% commission only in case of success for EthicHub.
Communities that request loans through our platform agree to return them at 16% interest rates. 8% goes to the user of the platform who has invested in the project. 4% is for the local node, responsible for uploading the loans to the platform and monitoring and ensuring the loan has proper use. The remaining 4% is the commission for the platform's use and is designated to purchase the impact token Ethix to reinforce the system against possible defaults.