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Loan lifecycle

LN-2026-004821

Development · Mary Wanjiku Kamau

Back to loans
Principal
KES 1,500,000
Outstanding
KES 620,000
SaccoScore
812
Snapshot at submission
Status
Disbursed

Pipeline

Every stage is timestamped and logged.

  1. Draft
  2. Submitted
  3. SaccoScore AI
  4. Guaranteed
  5. Collateral verified
  6. Committee
  7. Approved
  8. Disbursed
  9. Active

Timeline

Full state history · audited

  1. 10:42 · TodayJane Mwangi (CEO)
    Approved loan for disbursement
  2. 10:31 · TodayCredit Committee
    Recommended approval — 4/4 vote
  3. 09:58 · TodaySamuel Kariuki (Credit Officer)
    Submitted to committee inbox
  4. 09:44 · TodayCollateral desk
    Verified pledged security · LTV 34%
  5. 09:12 · TodayGuarantor desk
    2 of 2 guarantors accepted online
  6. 08:50 · TodaySaccoScore AI™
    Score computed: 812 · low risk
  7. 08:31 · TodaySamuel Kariuki (Credit Officer)
    Application drafted & member KYC re-verified

AI recommendation

Non-binding — decision rests with committee

SaccoScore AI

Approve at requested amount. Debt-service ratio well within policy; guarantor coverage strong.

  • ✓ 96 consecutive months of on-time repayment
  • ✓ Savings +18% YoY · share capital growing
  • ! One guarantor nearing exposure limit — monitor