All that should qualify for more than a Khs 2,000 ($25) instant loan from Safaricom/CBA’s, M-Shwari, but since it’s a new system, it may be too early to determine the creditworthiness of a borrower, using their M-Pesa history alone. Selfcare could, with time, become more useful, allowing users to export or print statements, older than three months, and other financial institutions to access & review the data – and with that, a hawker, taxi driver, or other self-employed worker, without a formal banking history could generate a decent, mature, credit position to discuss with a new bank.
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