<prompt> Translate the following text to SwahiliRisk categories will group all loans obligated or committed for a program during the fiscal year that share characteristics predictive of defaults and other costs.  <response>: Makundi 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. 