# Pinjam Reserve Overview Page

In this section, we will be explaining in detail the Pinjam Reserve Overview Page.

We will be dividing into TWO (2) images so that the info can be delivered better.

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**Max LTV:** Maximum Loan-To-Value ratio (borrowing power of specific collateral). For example, if the collateral has an LTV of 80%, the user can borrow up to 0.80 worth of BTC in the principal currency for every 1 BTC worth of collateral

**Liquidation Threshold:** The threshold at which a borrow position of the chosen asset will be considered undercollateralized and subject to liquidation. For example, if a collateral has a liquidation threshold of 90%, it means that the position will be liquidated when the debt value is worth 90% of the collateral value

**Liquidation Penalty:** When a liquidation occurs, liquidators repay up to 50% of the outstanding borrowed amount on behalf of the borrower. In exchange, they can buy the collateral at a discount and keep the difference (liquidation penalty) as a bonus

**Borrow Info:** Section detailing borrowing details for that specific asset on a chosen network

**Available Liquidity:** Amount of capital that is available to be borrowed

**Total Borrowed:** Amount of capital being borrowed by all borrowers on Pinjam for that specific asset on a chosen network

**Borrow APY:** Annual interest rate being paid by borrowers of that specific asset on a chosen network

**Collector Info:** Info about collectors for borrowing&#x20;

**Reserve Factor:**  Percentage of interest which goes to a collector contract

**Vault Info:** Section displaying details of idle liquidity being put to work generating yield --- for that specific asset on a chosen network

**Idle Liquidity at Work:** Total idle liquidity from ALL lenders of that specific asset in chosen network --- that is being put to work generating yield from battle-tested protocols

**Vault APY:** Annual yield % for idle liquidity that's being put to work generating yield on battle-tested protocols

**Total Rewards:** Total worked yield for all idle liquidity that's being put to work generating yield on battle-tested protocols

**Your Rewards:** Total worked yield for all of your idle liquidity that's being put to work generating yield on battle-tested protocols

<figure><img src="https://1562665776-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FbmydAiAzmXMgAY3rMQIG%2Fuploads%2FE7d86xyfSuDCwIT7mYuj%2Fimage.png?alt=media&#x26;token=3b08e4fa-be4a-40ab-8176-db340b356831" alt=""><figcaption></figcaption></figure>

**Interest Rate Model:** Section detailing interest rate details for that specific asset on a chosen network

**Current Borrow Utilization:** Total amount in % of supplied capital being borrowed for that specific asset on a chosen network

**Interest Slope 1:** Borrow rate for borrowers when the utilization rate of capital being used to borrow is equal to or lesser than the optimal borrow utilization for the asset

**Interest Slope 2:** Borrow rate for borrowers when the utilization rate of capital being used to borrow is above the optimal borrow utilization for the asset (increasing drastically to discourage excessive lending)

**Optimal Borrow Utilization:** The optimal borrowing % of capital for a specific asset being supplied on Pinjam (set by the team)