diff --git a/actions/onNotifyDebtors.ts b/actions/onNotifyDebtors.ts
index 759682d..e0ed2c0 100644
--- a/actions/onNotifyDebtors.ts
+++ b/actions/onNotifyDebtors.ts
@@ -77,7 +77,7 @@ const bodyMsg = (
 ) => {
   const intro = bodyIntro(daysLeft, decimals, principal, symbol);
   const debtOf = `debt of ${totalDebt} ${symbol}`;
-  const thePenalty = `The penalty for not repaying on time is ${(Number(penaltyRate.mul(84_400)) * 100).toFixed(2)}% per day.`;
+  const thePenalty = `The penalty for not repaying on time is ${Number(formatUnits(penaltyRate.mul(8_640_000), 18)).toFixed(2)}% per day.`;
 
   if (daysLeft >= 0) {
     return `${intro}. Please, remember to repay your ${debtOf} on time. ${thePenalty}`;