Member Operations
Member 360
Complete relationship view — the SACCO officer's single source of truth.
SK
Samuel Kariuki Njoroge
ActiveKYC VerifiedModerate RiskUT-084526 ID 25319495 +254 728 511 034 samuel.njoroge@utsacco.co.ke Nyeri
Employer
Nation Media
Payroll No.
TSC-4000945
Next of kin
David Njoroge · Parent
Joined
2018 · 8 yrs
SaccoScore AI™
782
/ 1000
Moderate RiskRecommended limit KES 1,680,400
Savings balance
KES 508,000
+10%
Share capital
KES 157,000
+1.8%
Active loans
KES 320,000
1 loan · Logbook
Guarantees given
KES 91,440
3 active · KES 416,560 capacity left
Savings growth
Rolling 12 months (KES 000s)
SaccoScore AI breakdown
Deterministic · rules-based · auditable
- Deposit consistency168/180
- Savings growth (12m)108/120
- Loan repayment history172/200
- Debt service ratio118/150
- Guarantor strength62/80
- Collateral coverage90/100
Repayment behaviour
Due vs paid — last 12 months
Recommended next action
AI-generated · pending officer approval
AI Recommendation
Pre-approve Logbook top-up up to KES 1,680,400 at 13% p.a. for 36 months.
Reasons: stable Nation payroll, 72% on-time repayment, savings up 10% YoY, guarantor capacity healthy.