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Agri Seasonal Input Loan

Product terms, pricing, eligibility, disbursement, repayment, documentation, and immutable version audit.

AGRI-SEASON-INPUT / v1.2-rc

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Product header

draft

Code

AGRI-SEASON-INPUT

Class

agri

Status

draft

Version

v1.2-rc

Name: Agri Seasonal Input Loan
Owner: Agri finance products
Approval route: Agri credit committee
Term sheet: CBK/TS/AGRI-SEASON-INPUT/2026-06-DRAFT

Pricing config

flat

Nominal rate

14.00%

APR

16.01%

EIR

17.29%

TCC

Ksh 23,483

10.67%

Rate bands by risk tier

Risk tier	Score range	Nominal rate %	CBK cap check
A	Insured crop plus offtaker	11.50%	within
B	Warehouse receipt verified	14.00%	within
C	Agent verified yield history	18.50%	watch
D	New farmer cohort	22.00%	hold

APR/TCC disclosure

Representative amount: Ksh 220,000
Representative tenor: 8 months
Total fees: Ksh 2,950
Total repayable: Ksh 243,483
Flat-to-EIR conversion: 31.72%

Fee schedule

Fee	Basis	Value	Timing	Disclosure
Origination fee	percent	1.00%	origination	Shown against input voucher amount.
Late season extension review	fixed	Ksh 750	settlement	Only charged when extension is approved.

Eligibility rules

Min/max age: 21 - 72
Employment-status: Farmer, aggregator, or registered agri trader
CRB-score-minimum: 570
Daftari-depth-minimum: Two crop cycles or offtaker ledger
Chama-standing: Producer group must be in good standing where applicable
Geographic-restrictions: Counties with active value-chain partners

Disbursement config

Channel: Agent value-chain onboarding
M-Pesa B2C vs bank transfer: M-Pesa B2C + bank transfer
Same-day vs next-day: next-day
Settlement-bank: Absa Bank Kenya - Situ agri settlement 033

Repayment config

Method: bullet
Day-count convention: Actual/365
Grace-period: 14 days
Early-settlement-fee %: 0.00%

Documentation checklist

6 required docs

National IDKRA PINFarm recordOfftaker contractWarehouse receiptCrop insurance certificate

Version history

immutable audit log

Version	Effective date	Change notes	Approved by
v1.2-rc	2026-06-30	Added crop insurance waiver and bullet repayment disclosure.	Pending
v1.1	2026-02-14	Restricted pilot to partner counties.	Agri product council