M-Shwari is a mobile loan service created via a partnership between NCBA Bank and Safaricom’s M-PESA. NCBA maintains a dedicated management information system, regulatory compliance, reports to the Credit Reference Bureau (CRB), and provides capital to fund the loan portfolio.
It is also NCBA that carries the risk and absorbs losses from non-performing loans.
The loans are accessible from the Safaricom SIM toolkit, MySafaricom app, and the recently launched M-PESA app.
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