Family members
keluarga.html
- 16.9% of loans already have a patient who is not the account holder — 2,810 of 16,674. The schema carries it; the product ignores it.
- Patient ≠ borrower. One KYC'd borrower, N patient profiles. Not N accounts, not N limits — minors cannot borrow and you do not want N credit decisions.
- Members 2..N skip the 47% KYC leak entirely — that is the whole prize. Nothing else on the roadmap acquires a patient without touching signup.
- Two directions in the data: downward (Ortho K 50% for someone else, behel) and upward (fisioterapi 57%). Different tone, same mechanic.
- Multi-patient accounts run 2.77–6.1 loans vs 1.36. Per-head rate is flat — the gain is N patients per onboarding, not better borrowers.
Consent is unresolved. Holding a third party's health and identity data under someone else's account needs an explicit UU PDP basis — sharper for an adult parent than for a minor.