Credit Intelligence · UT-084521
SaccoScore · Mary Wanjiku Kamau
Transparent factor breakdown, peer benchmark and live what-if simulator. Every change is deterministic and audit-logged.
Live score
880
/ 1000 · Low
Peer average
681
+199 vs peers
Savings
KES 842,000
Current loan
KES 620,000
Score gauge
Live · updates as you adjust the simulator
SaccoScore
880
/ 1000
Low Risk
Factor contribution
Points earned vs. maximum per factor
What-if simulator
Move a slider · score recomputes deterministically
90%
60 mo
38%
Lower is better
80%
Peer benchmark
Same product · same branch cohort
Why this decision
Plain English · reviewer-friendly · exportable
Narrative
Mary Wanjiku Kamau scores 880/1000 — a low-risk profile. Their strongest factor is loan repayment history; the weakest is Guarantor strength. Compared with peers on the same product at their branch, they sit 199 points above the cohort average. Adjusting savings growth or debt service ratio in the simulator shows the fastest paths to improve.
Deterministic
Same inputs produce the same score. No black-box ML in the decision path.
Explainable
Every factor, weight and contribution is visible to member, officer and regulator.
Auditable
Every rule change requires maker-checker approval and appears in the audit log.