102167235 : Nearly fell off my chair. If speculating or trading, anything goes, draw some lines,  and place your bets.
If investing, do spend time reading about the business and how it actually makes its money.
Value Max money lending segment is only ard 14% of the business and the sums borrowed to each individual is very very small, the non performing loans are low. Main segment is pawn broking / trading. To answer what happens if the customer does not pay/ redeem its item? Easy, the pawned object will be sold for a higher profit than what they would make if the customer redeems it. Even better if it is gold as gold prices have been hitting highs of late. So their existing inventory of gold would be worth much more the longer they hold on to them. (the opposite can be true as well). The higher receivables, when seen together with nett positive change in asset value as well as other indicators, reflect a growing business/growing profit. Much like banks, cash is kept at the bare minimum to maximize profit. But unlike banks, when customers dont redeem/pay up, VM actually makes more.

102167235 : Completely pointless and futile to argue over a faceless platform. Do your own due diligence.
Get the basics right. Know the business. Know the difference on how to read and interpret financial reports between a financial company, a trading company and  maybe a normal company.