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6
Loan lifecycle

LN-2026-004829

Salary Advance · Grace Muthoni Wambui

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Principal
KES 60,000
Outstanding
KES 60,000
SaccoScore
548
Snapshot at submission
Status
Awaiting Committee

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: 548 · 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