Non-Performing Loans Are an Operational Systems Problem. We Solve the System.
Wakilisha's NPL Reduction engine automates bulk loan default recovery for Saccos and micro-finance institutions — at scale, in compliance, and at a fixed monthly cost.
THE NPL CHALLENGE
What Unmanaged NPLs Are Costing Your Sacco
Member defaults that compound monthly while staff chase manually
Recovery processing costs that rival the loan principal itself
Regulatory exposure from unresolved NPL ratios above SASRA thresholds
HOW IT WORKS
Automated NPL Recovery — From Default Flag to Escalation-Ready File
Bulk portfolio upload — loan data, member records, default classifications
Automated multi-channel engagement begins immediately — SMS, email, WhatsApp
Unresponsive members are escalated to formal automated recovery sequences
Dispute resolution files prepared automatically for qualifying defaults (up to KES 1M)
eTIMS and KRA-compliant documentation generated throughout — audit-ready at all times
THE BUSINESS CASE
The NPL Reduction Business Case
| Without Wakilisha | With Wakilisha | |
|---|---|---|
| Average NPL recovery rate | 8–12% | 35–60% (automated escalation) |
| Staff hours on loan chasing | 40+ hrs/month | ~0 |
| Filing preparation time | 3–6 months | 14-day automated trigger |
| Monthly fixed cost | Hidden (staff + external fees + time) | KES 50,000 |
| Documentation compliance | Manual, inconsistent | eTIMS/KRA ready, automated |
REGULATORY COMPLIANCE
Compliant With Every Framework That Governs Your Institution
SASRA
Our recovery processes are designed to help your institution maintain NPL ratios within SASRA’s regulatory thresholds, protecting your operating license.
Kenya Data Protection Act
Registered under DPC/REG/2026 with the ODPC. All member data is processed with full consent management and privacy-by-default protocols.
Small Claims Court Act Cap. 21A
Qualifying defaults up to KES 1,000,000 are prepared for automated filing — no external advocates required, no procedural delays.
eTIMS/KRA
Every recovery notice, receipt, and compliance document is eTIMS-compliant and audit-ready — ensuring your institution’s tax documentation is always current.
Recover What Your Portfolio Is Owed.
KES 50,000/month. Dedicated infrastructure. SLA-backed.
Contact Enterprise SalesIncludes API access, dedicated infrastructure, and priority filing queue.