↑ 2.4%
KES 25.8B
Total Funds Disbursed
+KES 420M disbursed this month vs last month
↑ 1.8%
5.84M
Active Borrowers
New registrations outpacing churn by 3:1
↑ 0.3%
85.0%
Repayment Rate
Tier A leads at 95.2% — Tier D at 42.1%
↓ 0.1%
15.0%
Default Rate
30% of defaults in North Eastern & Coast
↑ 3.1%
KES 9.75B
Funds Recovered
Recovery efficiency improved 5% vs Q3
→ 0.0%
KES 1.09B
Funds at Risk
8.7% of portfolio at risk — threshold: 10%
📉 30-Day Disbursement Trend
Daily
🥧 Portfolio Status
Repaid 78.3%
Active 13.0%
Defaulted 8.7%
🗺️ Geographic Fund Distribution
2 High-Risk Regions
🚨 System Alerts
5 Active
🏦 Savings Performance (5% Auto-Deduction)
KNEST Managed
Total Saved
KES 5.3B
Cumulative
Pension (70%)
KES 3.71B
KNEST · Long-term
Lock (30%)
KES 1.59B
Short-term
Savings vs Withdrawals
🏛️ Government 2:1 matching contributed KES 520M to borrowers' pension accounts
🔁 New vs Repeat Borrowers
FY 2025/2026
🟢 Repeat Borrowers75%
4.38M borrowers
🔵 New Borrowers25%
1.46M borrowers
Key Insight
Repeat borrowers show 12% higher repayment rates vs first-time borrowers — loyalty drives fund health.
🌉
650,000 borrowers graduated to Bridge Loans
Tier A/B — eligible for up to KES 150,000 · 91.4% repayment rate
🌱 Impact Metrics
Businesses Funded
1.84M
+18,400 this week
Jobs Created
5.52M
Estimated direct impact
Women Borrowers
54.2%
18% lower default rate
Youth Borrowers
61.8%
Under 35 years
Regional Disbursement Distribution
🧠 System Insights
Auto-generated
Recent Activity