By definition, problem programs are programs having a delay in pay-out for about 1-2 days time regardless of whatever reason that is (valid or invalid). A pay-out is considered delay if it has passed the pay-out period specified by the program in their FAQ.
On the other hand, closure programs are programs that have already passed more than 2 days without payment and have not explained their side upon attempt of contact.
Here are the lists for last week:
Problems
Agro Finance - not paying
JM Fund - not paying
Oil Gold Money - not paying
Online Raise - not paying
Model Fund - not paying
Clean Energy Fund - not paying
Reactor Fund - not paying
CNN Inv - not paying
Martinika Invest - not paying
Libertyreserve Capital - not paying
Best Time Profit - not paying
Mutual-Capital - not paying
Extra Deposit - not paying
Smart Profit - not paying
Aro Investment - not paying
GainBank - not paying
Closures
Invs (13 days)
RIGHTfive (67 days)
Fresh Capitals (30 days)
LibertyPool (20 days)
Solid Progress (8 days)
GBfin Corp (21 days)
Mobile Finance Fund (5 days)
Hourly Benefit (7 days)
Secure Cash Flow (11 days)
Paco Funds (8 days)
Mass Auto Pay (13 days)
Benefit 20 Days (15 days)
Netdeal Club (32 days)
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