Lending Lifecycle — Kenya Hustler Fund

🔄 Loan Processing Flow

Real-time counts

📱 USSD / App
Request — Instant

›

🔍 Eligibility
Check — ~2 sec

›

⭐ Credit
Scoring — ~3 sec

›

✅ Approval
Decision — ~1 sec

›

🏦 KCB
Disbursal — ~8 sec

›

🟢 Active
Loan — 14–30 days

›

💳 Repayment
/ Closure — On due date

›

❌ Default /
Escalation — After 30d

Safaricom USSD gateway → KCB disbursement API → M-PESA repayment collection

📉 Stage Conversion Rates

📡 Loan Channel & Product Mix

Channel Split

USSD *334#

72%

Hustler App

21%

Agent

Loan Product

Personal

58%

Business

34%

Group

📋 Active Loan Register

— loans

Loan ID	Borrower	Region	Amount (KES)	Disbursed	Due Date	Days Active	Status	Channel

Showing 30 of — loans · Sorted by disbursement date

📅 Loan Lifecycle Timeline (Sample)

Active Repaid Defaulted

👥 Hustler Group Loans

284,000 Active Groups

Groups

284K

Members

3.2M

Repay Rate

82.3%

📋

Eligibility: Min 10, max 100 members. All must be Kenyan citizens (18+) with active M-PESA SIM for 90+ days.

💰

Loan Range: KES 20,000 – KES 1,000,000 (aggregate of member individual limits). Good members contribute 3× their limit.

⚖️

Joint Liability: All members collectively responsible. 5 random members approve via SMS before disbursement.

📅

Tenor: 6-month standard. Repay via instalments or lump sums. 95% disbursed, 5% auto-saved per member.

💡 Insight: Group loans show 82.3% repayment vs 85% individual — joint liability partially offsets higher-risk membership.

🌉 Bridge Loans (Tier A/B)

650,000 Borrowers

Borrowers

650K

Repay Rate

91.4%

Disbursed

KES 7.8B

⭐

Eligibility: Tier A (exceptional) & Tier B (good) borrowers only. Strong repayment history required. Hustler Rating A/B.

💰

Limits: Up to KES 50,000 regular · Up to KES 150,000 for Tier A/B · Up to KES 1,000,000 for high-value cases.

📊

Interest: 8% p.a. if repaid within 30 days · 9.5% p.a. if repaid between 31–60 days. Default after 61 days.

📱

Access: Dial *254# on Safaricom, Airtel or Telkom. 95% disbursed, 5% auto-saved (70% pension + 30% lock).

✅ Best performer: Bridge loans show 91.4% repayment rate — highest across all product types. Tier A/B selection drives quality.

📊 Loan Product Performance Comparison