Multi-source credit scoring
Score every member from 300 to 850 using M-Pesa, MTN MoMo and Airtel Money — and enrich it with business sales, cash flow and any data your cooperative chooses to add.
Built for Ugandan and Kenyan SACCOs
Better credit decisions for your SACCO — for members and the businesses they run
Starting with M-Pesa, MTN MoMo and Airtel Money — and adding savings history, business records, sector and climate signals — Kiwango turns everyday activity into a clear repayment-capacity picture. It also gives your members' businesses a simple tool to run their money, which leaves them assessable. Kiwango enables the credit decision; your SACCO makes it.
- 3 min
- Target decision time
- -38%
- Modelled PAR30 reduction
- 100%
- Regulator-ready reports
Where do you fit in?
Kiwango is one platform with two sides: the cooperative that lends, and the businesses and members that borrow.
I am a SACCO
Score members and businesses, decide loans in minutes, monitor arrears and export regulator-ready reports.
I am a business (SME)
Record your sales and expenses, see what your business keeps, and ask your cooperative for credit with your records already in place.
Lending is still decided with too little evidence
Avoidable arrears drain capital
Late repayments are usually visible weeks in advance, but nobody sees the signal until the instalment is missed.
Decisions are slow and subjective
Committees review paper files and personal judgement, so two similar members can get very different answers.
Thin-file members and businesses are hard to assess
Millions of Ugandans and Kenyans and their small businesses have no credit bureau record — yet their mobile money and sales activity show exactly how they earn and spend.
Everything your credit team needs, in one workspace
From the first application to regulatory reporting, Kiwango covers the full credit cycle of a savings and credit cooperative.
Lending to members and businesses
Assess a small business and the member who runs it together — the full picture that traditional banks can't read. One engine, two kinds of borrower.
Fast, objective origination
The same rules apply to every application, with a recommended amount, term and rate produced in seconds.
Portfolio monitoring and early warning
Track PAR30 and get ranked alerts when a member's transaction pattern deteriorates — before the arrears appear.
Self-service member portal
Members check savings, follow repayments and request credit from their phone — as an individual or for their business — with instant pre-assessment.
Automated compliance reporting
Portfolio quality, provisioning and concentration reports are pre-built and exportable whenever the regulator asks.
A money tool your members' businesses actually use
A simple money-management tool your members' businesses actually use — and it leaves their data ready for the SACCO to lend.
Sector seasonality and climate risk
Score that understands sector seasonality and climate risk — built for East African micro-businesses. A slow harvest season reads as normal, not as an alarm.
Your policies, your rules
Weights, score bands, products, DTI limits and savings multiples are all configurable by your cooperative.
How it works
- 1
Register and configure
Your SACCO sets its loan products, credit policy and scoring rules.
- 2
Members and businesses connect their data
Members connect M-Pesa, MTN MoMo or Airtel Money, and businesses run their sales, expenses and stock in the Kiwango money tool — which leaves them ready for credit. All with explicit consent, revocable at any time.
- 3
Score and decide
The engine scores each application and recommends approve, review or decline with a clear explanation.
- 4
Monitor and reduce arrears
Portfolio dashboards and early-warning alerts keep PAR30 under control.
Member consent, privacy and control by design
Data — from mobile money to business records — is only used when the member explicitly agrees, and the cooperative keeps a full audit trail of that consent.
Explicit consent
Every connection is opt-in, timestamped and attributable to the member.
Revocable at any time
Members withdraw access from their portal and the data stops being used.
Climate resilience and responsible access
Climate vulnerability is measured, reported at portfolio level and priced fairly — so responsible access to credit, and impact capital, can follow the evidence.