<prompt> Translate the following text to EnglishMakundi ya hatari yatakusanya mikopo yote iliyoamriwa au kujitolea kwa programu wakati wa mwaka wa kifedha ambayo inashiriki sifa za utabiri wa kushindwa na gharama nyingine.  <response>: Risk categories will group all loans obligated or committed for a program during the fiscal year that share characteristics predictive of defaults and other costs. 