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Can this borrower afford the loan?

What the officer found on site, plus a mobile money statement, turned into a score, a safe amount and the reasons behind it. Every income figure shows its source and how far to trust it.

Platform not connectedDecisions stay in this browser. Connect to also score and store them on the LendGrid API.

Sample applicants

No bureau file, no payslip. Strong EcoCash trail and a mukando group.

✓ConsentRecorded
✓Identity & fraudNo flags
✓Policy rulesPassed
✓Affordability≤ 50% of income
✓Scorecard734 · band A
✓DecisionApprove

Applicant

Full name

Location

Loan product

Business

Claim what the applicant says · Field what the officer checked on site

Type of business

Months tradingField

Where they tradeField

Daily salesField

US$

Trading days / month

Stock on handField

US$

Monthly profitClaim

US$

Debts and history

Loan repayments elsewhere / moClaim

US$

Informal debts / moClaim

US$

History with your MFI

Credit bureau (XDS / FinCheck)

Support

Savings group (mukando)

“No bureau file” counts as neutral, not negative. Gender, religion, tribe, marital status and home district are never scored.

Loan officer site checks

Scored 1 (poor) to 5 (strong) after the visit.

Stock seen matches what the applicant described

Keeps a sales book, receipts or supplier invoices

Good standing with neighbours, suppliers or market committee

Household has another steady income

Clear, realistic plan for using the loan

Consent and mobile money statement

Borrower consented to statement analysis and a credit bureau checkText version consent-en-2026-10-v1, stored with the decision (Cyber and Data Protection Act). Untick to see the gate work.

Read the consent text

I agree that Kuda Microfinance may read the mobile money statement I provide and check my record with a credit bureau, only to decide on this loan application. I can ask what information was used and why a decision was made. My information will be kept safely and deleted when it is no longer needed.

Sample EcoCash statement, Mar–Sep 2026: 414 transactions for Chiedza Mutasa.

Loan requested

Amount

US$

Term

months

Interest, flat

%/mo

Arrangement fee

Approve

US$300as requested

Chiedza Mutasa · Mbare Musika, Harare

Why

Steady mobile money income month to month
Trading for 38 months
Wallet active about 21 days a month

Every factor and its points

Factor	Points	Max
Business tenure	35	35
Premises	15	30
Income stability	40	40
Wallet activity	35	35
Cash buffer	10	20
Betting	0	0
Other digital loans	0	10
History with you	30	50
Credit bureau	0	20
Guarantor / group	15	15
Savings group	10	10
Officer site checks	18	25
Loan size vs income	0	10
Raw total → score	208	734

Score = 300 + 550 × (raw − (-135)) ÷ 435, clamped to 300–850. Bands: A ≥ 700, B ≥ 640, C ≥ 580, D ≥ 520, E below.

Monthly income evidence

Mobile money business income × margin

US$954 a month from customers × 20% margin

highUS$191

Officer sales estimate × margin

US$45/day × 26 days × 20%

mediumUS$234

Applicant’s own figure (cut 30%)

Says US$350

lowUS$245

Income used (weighted)US$221

Affordability · 50% debt-service cap

50% of monthly income: US$111
Less existing repayments: − US$0
Room for a new instalment: US$111
Largest loan this covers: US$381
Band A lends up to: 100% of that

Statement check

414 transactions · 7 months

Data quality: good. Balances add up, no gaps or duplicates, income sources classified.

US$954

Business income / mo

US$954

All money in / mo

Active days / mo

Spent on betting

0 / 0

Loan repaid / failed

0.10

Income swing (CV)

Passed

Balance check

Loan payouts (excluded)

Top payer share

How each transaction was classified

Customer paymentsincome	338	US$5,617
Suppliers & merchants	25	US$2,715
Cash out	7	US$359
Airtime & data	32	US$91
Utilities	12	US$120

Only customer payments and crop sales count as income. Loan payouts, own deposits, bank transfers, reversals and unclassified money in are left out.

Review and correct transactions

Date	Description	Amount
03-23	Payment from 0776•••067	18.98
03-23	Payment from 0778•••990	17.84
03-23	Payment from 0771•••235	17.67
03-24	Payment from 0777•••757	9.54
03-24	Payment from 0772•••631	12.07
03-24	Payment from 0774•••258	14.29
03-25	Payment from 0778•••253	23.72
03-25	Payment from 0777•••240	12.99
03-25	Cash out agent 766	-78.66
03-26	Payment from 0777•••963	13.64
03-27	Payment from 0778•••583	14.46
03-27	Payment from 0771•••748	7.69
03-27	Payment from 0778•••798	16.94
03-27	Payment from 0775•••993	11.95
03-28	Payment from 0775•••845	19.97

phone numbers masked1/28

Repayment plan on US$300

Platform loan engine

Arrangement fee, deducted at payout: US$9.00
Borrower receives: US$291.00
Monthly instalment: US$87.00
Total repaid: US$348.00
True yearly cost (APR): 137.8%

Due	Principal	Interest	Pay
Nov 2026	US$75.00	US$12.00	US$87.00
Dec 2026	US$75.00	US$12.00	US$87.00
Jan 2027	US$75.00	US$12.00	US$87.00
Feb 2027	US$75.00	US$12.00	US$87.00

What this can’t see

Betting or spending in cash, or on someone else’s phone
Moneylender (chimbadzo), family and other undeclared debts
Sales paid in cash: mobile money is a floor, not the full picture

Ask directly, check with the guarantor or group, and start with a small first loan.

Officer decision

run db2a30af

Deciding as

Scorecard expert-0.2.0 · run db2a30af. The same inputs always give the same run ID and the same result.

Rule-based expert scorecard (expert-0.2.0), as used before any lender repayment data exists. The weights are illustrative and are set with each lender’s credit committee. It has not yet been validated against real repayment outcomes. Every run has an ID tied to its inputs and scorecard version, and the officer decides, with a written reason for any override.