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Credit Intelligence · Deterministic AI

SaccoScore AI™

A transparent 0–1000 credit score built from SACCO-specific rules. Deterministic, explainable, auditable — designed for regulators, credit committees and boards.

Members scored
18,742
+4.2%
Avg score
681
Moderate risk
Low risk (800+)
4,214
22.5% eligible for top-up
Critical (<500)
642
Auto-declined

Sample member score

UT-084521 · Mary Wanjiku Kamau

SaccoScore
862
/ 1000
Low Risk
Recommended limit
KES 2.4M
Max safe repayment
KES 74K/mo
Guarantors needed
1 of 2

Score breakdown

Rules-based · each factor is deterministic and auditable

  • Deposit consistency
    Weight 18%168/180
  • Savings growth (12m)
    Weight 12%108/120
  • Loan repayment history
    Weight 20%172/200
  • Debt service ratio
    Weight 15%118/150
  • Guarantor strength
    Weight 8%62/80
  • Collateral coverage
    Weight 10%90/100
  • M-Pesa behaviour
    Weight 7%58/70
  • Fraud & mule indicators
    Weight 5%44/50
  • Account age & KYC
    Weight 5%42/50

Risk bands

Approval matrix

  • Low Risk800–1000Auto-approve up to KES 3M · 1 guarantor
  • Moderate650–799Standard review · 2 guarantors
  • High Risk500–649Committee only · collateral required
  • Critical0–499Auto-decline · escalate to FraudShield™

Approval recommendation

AI narrative — audited on every decision

Recommendation

Approve Development Loan up to KES 2,400,000 at 13% p.a. · Term 48 months · 1 guarantor · No collateral required.

Why approve
  • ·Stable TSC payroll for 96 consecutive months
  • ·On-time repayment ratio 96% (last 24 months)
  • ·Savings up 18% YoY, share capital growing
  • ·No fraud, mule or salami-slicing indicators
What to watch
  • ·Guarantor Beatrice Wafula is nearing exposure limit
  • ·Debt service ratio would rise to 41% at max limit
  • ·M-Pesa outflows increased 22% last 30 days

Governance & audit

Score integrity

  • Deterministic engine
    Rules produce the same score for the same inputs. LLMs only explain — never decide.
  • Regulator-friendly
    Every factor and weight is documented, versioned and exportable to SASRA.
  • Change control
    Any change to scoring rules requires maker-checker approval and produces an audit entry.