<prompt> Translate the following text to SwahiliThe present value of estimated fees is likewise included as one component in calculating the value of loans receivable or loan guarantee liabilities.  <response>: Thamani ya sasa ya ada iliyokadiriwa pia ni pamoja na kama kipengele kimoja katika kuhesabu thamani ya mikopo inayopatikana au dhamana ya dhamana ya mkopo. 