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Collateral reuse · leverage monitoring · SASRA authority verification · Portfolio as at
| SACCO / borrower | Collateral | Multiplier | Loan amount | Leverage | Status |
|---|---|---|---|---|---|
Umoja Teachers SACCO Mary Atieno | Ksh 180,000 | 2.0× | Ksh 360,000 | 64% | Current |
Lakeview SACCO Ltd Brian Mwangi | Ksh 95,000 | 1.5× | Ksh 142,500 |
| Tier | Examples | Max multiplier | Leverage cap | Approval authority |
|---|---|---|---|---|
| Tier 1 — DT-SACCO | Mwalimu, Stima, Kenya Police | 3.0× | 85% | Board credit committee |
| Tier 2 — DT-SACCO | Harambee, Unaitas, Imarika | 2.5× | 80% | Head of credit |
| Tier 3 — Non-DT SACCO | Umoja Teachers, Lakeview | 2.0× | 75% | Branch credit manager |
| Floor — ungraded | Any SASRA-registered SACCO |
| Under review |
Harambee SACCO Grace Njeri | Ksh 250,000 | 2.5× | Ksh 625,000 | 52% | Current |
Mwalimu National SACCO John Omondi | Ksh 400,000 | 3.0× | Ksh 1,200,000 | 91% | Breach alert |
Kenya Police SACCO Alice Wambui | Ksh 120,000 | 2.0× | Ksh 240,000 | 68% | Current |
As at
| 1.5× |
| 70% |
| Loan officer (capped) |
Policy ref: SASRA Prudential Standards §14 (collateral reuse) · Situ credit policy v3.2 §8.4 · SACCO Societies Act Cap 490B. Multiplier subject to SACCO board resolution confirming unencumbered share balance. Authority verification required before disbursement.