Quarterly interest rates for loans made through RSF’s social enterprise loan program are set on the basis of an independent benchmark called RSF Prime. RSF Prime is communicated through a unique aspect of the loan program, the Quarterly Community Gatherings. Working together, the community contributes their insight to assist RSF in setting a price that meets the needs of everyone. In our continued efforts to eliminate barriers, we ask our community to respond to surveys to give us direct feedback regardless of their ability to join in person and anonymously to encourage real feedback and equal say regardless of account size. The meetings are held around the U.S. and online with representatives of our three stakeholder groups—investors, borrowers, and RSF staff—and are an opportunity to learn about each other, discuss what rates will best meet the needs of all stakeholders and to make recommendations for raising or lowering the interest rate. We believe this methodology fits better with our mission to create financial relationships that are direct, transparent, and personal.