I beg to differ. Loan repayment should be extended for as long as possible. Reason being that "huyo ni mtu amekupea pesa yake utengeneze pesa yako nayo, for a small share of the profit " . Its like a driver being given a matatu, halafu anakataa.
As I said, angalia hizo calculations za top-up loans kwanza kisha uje tuongee.