Yeah, I noticed the "I'm not really lending to these 13 people" when I saw the loan repayment schedule - it was a "7 month loan" and a 4 month repayment with the first payment much higher.
It doesn't worry me much, except it limits the countries where I'd give my $25/month (and I don't really expect to get repaid, if I do that's gravy). Sure I'd prefer to give my $25 directly to the individual or small group, but that's not particularly practical from a systems perspective.