The borrowers typically pay back money within the specified period and the incidence of default is very low.
ðə bˈɑːɹoʊɚz tˈɪpɪkli pˈeɪ bˈæk mˈʌni wɪðˌɪn ðə spˈɛsᵻfˌaɪd pˈiəɹɪəd ænd ðɪ ˈɪnsɪdəns ʌv dᵻfˈɔlt ɪz vˈɛɹi lˈoʊ.