Safaricom explains why heavy M-PESA users still struggle to get higher Fuliza limits
Safaricom has explained why customers who transact hundreds of thousands of shillings through M-PESA every month may still struggle to qualify for higher Fuliza limits, revealing that mobile money activity is only one of several factors used to assess borrowers. The telecommunications company issued the clarification after an X user, identified as @kingjockerNY, questioned why […]
Safaricom has clarified why high-volume M-PESA users may still struggle to obtain higher Fuliza limits, explaining that mobile money activity is just one of several factors considered when assessing borrowers. The telecommunications company addressed an X user's query about not receiving a higher Fuliza limit despite transacting over Ksh200,000 monthly.
Safaricom apologized for delayed reviews and explained that Fuliza limits are generated automatically based on an individual's M-PESA usage, repayment behavior, loans taken under their ID, timely repayments, and long-term savings in M-Shwari and other financial institutions. While having a high volume of M-PESA transactions does not guarantee a higher borrowing limit, consistently repaying loans on time and maintaining strong financial habits do improve chances for an increase.
Customers can request a limit review through the USSD menu, but the process is at the discretion of the lending bank and cannot be manually adjusted.
Written by urgent.news from People Daily Kenya's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
