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These exposures, the ombudsman stated, are effectively secret," leaving them divorced from systems which are developed to ensure that IFC and its clientele are accountable." Since 2012, only six % of monetary intermediary loans that the IFC classified as higher-threat disclosed the final recipients of the funds, according to an analysis by the anti-poverty group Oxfam. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and might change month-to-month.

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