Situ LMS · Officer

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Active products

3

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Products in-review

2

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Deprecated

1

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Avg rate by class

retail 20.25% / MSME 21.00% / group 16.00% / agri 14.00% / asset 19.25% / digital 23.50%

6 configured classes

Lifecycle controls

pricing + policy

PRICING_SIMULATION_CHECKS

APR equivalent and total cost are shown before activation.
Fee, interest, tax, and waiver assumptions are stress-tested.
Expected margin is compared with cost of funds and ECL estimate.
Activation is blocked when affordability or disclosure limits fail.

POLICY_VERSIONING_CHECKS

Policy version has owner, approval date, and effective date.
Decision rules reference immutable policy version IDs.
Borrower adverse-action explanations are tied to the active policy.
Rollback requires compliance sign-off and audit note.

Lifecycle planner

Prepare product promotion, pilot activation, retirement, or rollback with pricing, policy, GL, disclosure, and borrower notice guardrails.

Product

Target stage

Approver

Effective date

Current rate18.50%

CurrencyKES

TargetPilot activation

Pricing simulation completedPolicy approval and immutable version confirmedGL and fee mapping completeBorrower disclosure reviewedRollback plan and audit note readyBorrower notice prepared for activation or retirement

Pricing guardrail

APR equivalent and total cost are shown before activation.

Policy guardrail

Policy version has owner, approval date, and effective date.

Pricing simulation must be complete before approval or activation.
Policy approval is required before promotion.
GL and fee mapping must be complete before pilot activation.
Borrower disclosure review must be complete before launch.
Rollback plan and audit note must be ready.
Borrower notice is required for activation or retirement.

Payroll Flex Advance | Pilot activation | 2026-06-01

Loan product registry

7 products

Product code	Name	Class	Currency	Min amount KES	Max amount KES	Min tenor months	Max tenor months	Pricing model	Nominal-rate %	Fees-structure summary	Collateral-required	Origination-channel	Status	Live-book KES
SITU-RET-PAYROLL	Payroll Flex Advance	retail	KES	5,000

Product approval queue

credit committee

Product	Name	Class	Approval route	Queue state	Disclosure EIR	Committee note
GRP-CHAMA-REV	Chama Revolving Facility	group	Credit committee approval queue	review	36.91%	Awaiting committee approval for flat-to-EIR disclosure language.
AGRI-SEASON-INPUT	Agri Seasonal Input Loan	agri	Agri credit committee	review	17.29%	Awaiting crop calendar stress case and insured-crop settlement language.

Regulatory shelf

CBK-approved terms on file

Product code	Name	Class	CBK-approved term sheet	Filed at	Custodian	Filed
SITU-RET-PAYROLL	Payroll Flex Advance	retail	CBK/TS/SITU-RET-PAYROLL/2026-04	2026-04-15	Product governance vault	on file
MSME-WC-PLUS	MSME Working Capital Plus	MSME	CBK/TS/MSME-WC-PLUS/2026-03	2026-03-21	Credit policy evidence room	on file