diff --git a/app.py b/app.py
index fc96add..0f32968 100644
--- a/app.py
+++ b/app.py
@@ -348,7 +348,8 @@ def user_loans():
         # We need to count distinct users matching the criteria
         count_query = f"SELECT COUNT(DISTINCT u.id) FROM users u LEFT JOIN loans l ON u.id = l.user_id AND l.status = 'active'{where_clause}{having_clause}"
         cursor.execute(count_query, params)
-        total_users = cursor.fetchone()[0]
+        result = cursor.fetchone()
+        total_users = result[0] if result else 0
         total_pages = (total_users + per_page - 1) // per_page
         
         # Build final query with pagination