Loan pricing calculator

Admin margin configuration preview for Kenya MSME loan pricing.

Representative admin scenario

Representative calculator output. The scenario request is fixed for admin readiness; live calculator totals are shown only when the read succeeds.

APR

21.0%

risk tier B

Total

KES 595,625

18 months

Total Interest

KES 83,125

over term

Effective Yield

27.5%

▲including fees

Input display

Principal: KES 500,000
Term: 18m
Risk tier: B
Product: MSME Working Capital

Output

within CBK guardrail

APR: 21.0%
Monthly instalment: KES 31,842
Total interest: KES 73,156
Effective yield: 23.4%

Component breakdown

margin stack

Component	Rate	Note
Cost of capital	9.0%	Treasury KES funding curve
EL premium	4.2%	Risk tier B Metropol model
Ops load	2.5%	Origination, servicing, M-Pesa rails
Concentration	0.8%	MSME trade exposure overlay
Origination amortisation	1.0%	Fee spread over 18 months
Channel discount	-0.5%	Digital self-service discount
Loyalty	-0.5%	Bronze repeat borrower

Sensitivity matrix

Risk tier	6m	12m	18m	24m
A	16.2%	17.0%	17.8%	18.5%
B	19.1%	20.0%	21.0%	22.1%
C	23.4%	24.8%	26.0%	27.2%
D	28.6%	30.2%	31.5%	33.0%