Mystery shopping by the Good Shepherd Microfinance charity found banks often referred poor customers to "predatory" lenders, Good Shepherd chief executive Adam Mooney told a media call in Melbourne yesterday.Mooney joined NAB CEO Andrew Thorburn at an event at the Good Money shop in Smith Street, Collingwood, in the heartland of payday lending shops. NAB's announced its funding commitment to Good Shepherd Microfinance would now be A$130 million, a financial asset largely produced within the bank's corporate responsibility unit.State and federal governments cover operating costs for the social venture, leaving lending costs to cover only lending losses.Thorburn said Good Shepherd loan repayment rates were "better than 95 per cent" and more favourable than corresponding categories of unsecured lending.Started in 1981 with $20,000 in seed capital, Good Shepherd Microfinance trades through more than 600 shops and allied support services such as neighbourhood centres.In-person applications remain a feature of the service model.