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pennylender currenly operates as depicted here below.
 

Seeder is responsible for populating database tables with lender and borrower entries.

MatchMaker is a thread that scans these tables for entries and attempts to match them. If a match occurs a Loan object is created and then handled by a 2nd thread called LoanProcessor.

LoanProcessor is responsible for maintaining the events that occur for a lender paying back a loan to a borrower.

 

Data graphs were produced with SciLab.

This graph show 5 borrowers fully paying back an approximate $35 loan with 1 borrower defaulting after making the first payment but having received full funds from the lender.

 

 


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