Member Operations
Member 360
Complete relationship view — the SACCO officer's single source of truth.
BN
Beatrice Nasimiyu Wafula
ActiveKYC VerifiedModerate RiskUT-084529 ID 27801926 +254 733 902 118 beatrice.wafula@utsacco.co.ke Eldoret
Employer
County Government
Payroll No.
TSC-4001386
Next of kin
Grace Wafula · Sibling
Joined
2021 · 5 yrs
SaccoScore AI™
758
/ 1000
Moderate RiskRecommended limit KES 2,164,600
Savings balance
KES 671,000
+13%
Share capital
KES 212,750
+1.8%
Active loans
KES 240,000
1 loan · School Fees
Guarantees given
KES 120,780
2 active · KES 550,220 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 School Fees top-up up to KES 2,164,600 at 13% p.a. for 36 months.
Reasons: stable County payroll, 78% on-time repayment, savings up 13% YoY, guarantor capacity healthy.