Situ LMS · Officer

Borrower limit registry

2 exceptions

Borrower	Channel	Score	Current	Proposed	Utilization	Decision	Signals
Akinyi O. BRW-104882 / 254712019884	USSD *334#	742	Ksh 8,200	Ksh 12,000 +Ksh 3,800	44%44.0% Value 0.44 Max 1 Threshold 0.8	Increase Today 14:20	B2C clean, 9 on-time C2B receipts
Muriithi K. BRW-104871 / 254798441227	App	688	Ksh 15,000	Ksh 18,000 +Ksh 3,000	58%58.0% Value 0.58 Max 1 Threshold 0.8	Increase Today 15:00	Low Fuliza stress, stable device
Naliaka W. BRW-104866 / 254701553198	WhatsApp	611	Ksh 6,500	Ksh 6,500 KES 0	72%72.0% Value 0.72 Max 1 Threshold 0.8	Hold Tomorrow 09:30	STK consent pending
Kiptoo S. BRW-104852 / 254722880411	Agent	574	Ksh 11,000	Ksh 7,000 -Ksh 4,000	83%83.0% Value 0.83 Max 1 Threshold 0.8	Decrease Today 16:10	Velocity flag, agent KYC required
Wanjiru N. BRW-104845 / 254745330920	USSD *334#	492	Ksh 3,500	Ksh 0 -Ksh 3,500	91%91.0% Value 0.91 Max 1 Threshold 0.8	Suspend Immediate	SIM swap alert before B2C
Otieno P. BRW-104831 / 254790114552	App	703	Ksh 20,000	Ksh 22,500 +Ksh 2,500	39%39.0% Value 0.39 Max 1 Threshold 0.8	Increase Today 17:45	C2B repayment streak, no device mismatch

Auto-calibrated

Score band	Base limit	Max limit	Review cycle	Approval path	Default action
730-850	Ksh 12,000	Ksh 45,000	Daily	Auto with B2C health	Increase when utilization < 65%
660-729	Ksh 8,000	Ksh 30,000	Weekly	Auto plus policy gate	Hold or one-band uplift
590-659	Ksh 3,500	Ksh 12,000	Weekly	Officer review for uplift	Hold until C2B streak improves
520-589	Ksh 1,500	Ksh 6,000	Per repayment	Manual review	Decrease on any active risk signal
0-519	Ksh 0	Ksh 1,500	After cure	Risk desk approval	Suspend or starter limit only

Evidence ready

Channel publish

Accepted limits sync to app, USSD *334# and WhatsApp after audit hash creation.

Audit trail

Every bulk run stores prior limit, score input, policy version and officer override reason.

Repayment gate

Limit uplift requires clean C2B or STK repayment evidence before the next B2C payout.