Hawala operaters are our 3rd party venders, so, they take initial charges to deliver the amount because they take all the risk, so customer who applies the loan have to pay himself these upfront charges, we are not responsible for that, we are only responsible the amount we give as a loan, and through hawala is a physical cash delivery, so they take their charges before delivery, its not like angadia. And, many times we paid hawala charges in advance for our loan customers, but when cash gets delivered no one appears on delivery time, so money we paid for our customers as hawala charges gets wasted, we get loss in this case, so now we have decided that only the customer who take loan will only pay hawala charges from his own pocket now.