I am trying to understand offers by the system. Would this be money invested by Omaraha itself or is it made up of the reserved amounts appearing in our accounts, which frequently disappear after a short time without a loan being made? Presumably the reserved amounts are offers which are subsequently too high to take part in the loan, or where the borrower decides not to accept the loan.

JamesFrance
I am trying to understand offers by the system. Would this be money invested by Omaraha itself or is it made up of the reserved amounts appearing in our accounts, which frequently disappear after a short time without a loan being made? Presumably the reserved amounts are offers which are subsequently too high to take part in the loan, or where the borrower decides not to accept the loan.

Offers by the system is only made up of the reserved amounts appearing in investors accounts.
There are three possibilities your money can appear reserved:

1) borrower submits loan application and system automatically makes him loan offer, now borrower has 5 minutes to accept the offer, during that 5 minutes investors money appears reserved until borrower accepts loan offer, cancels it or the 5 minutes expire.

2) borrower leaves application on hold, if the investor has a suitable investment term then It goes automatically in to the loan application (represented by the grey part)

3) if investors manually bid in to a loan application, this is shown as a yellow part.

Thankyou for your answer, that makes it all clear.