<prompt> Translate the following text to SwahiliRISK CATEGORY -Subdivisions of a cohort of direct loans or loan guarantees into groups of loans that are relatively homogeneous in cost, given the facts known at the time of obligation or commitment.  <response>: Uwezekano wa kugawanyika kwa mkopo wa moja kwa moja au dhamana ya mkopo katika makundi ya mikopo ambayo ni sawa katika gharama, kutokana na ukweli unaojulikana wakati wa wajibu au ahadi. 