{
  "id": 9950215,
  "title": "It’s more than just your credit score: Safaricom reveals what really determines your Fuliza limit",
  "url": "https://urgent.news/2026/09/26/its-more-than-just-your-credit-score-safaricom-reveals-what-really",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-09-26T09:15:39.000Z",
  "source": {
    "name": "People Daily Kenya",
    "slug": "people-daily-kenya",
    "url": "https://peopledaily.digital/news/its-more-than-just-your-credit-score-safaricom-reveals-what-really-determines-your-fuliza-limit"
  },
  "original_language": "en",
  "account": null,
  "summary": "Safaricom has clarified that its Fuliza M-PESA borrowing limits are not determined solely by a customer's credit score, but rather take into account a broader range of factors. In response to an X user's question about the balance between simplicity and broader data usage in Fuliza limit calculations, Safaricom revealed that the limit is instead determined by a customer's overall usage of their Safaricom line, including SMS usage, data usage, call frequency, top-up frequency, M-PESA usage, and the use of other services like Mshwari and KCB M-PESA. The company emphasized that no single factor carries more weight than the others, and that rejoining the Fuliza service may trigger a fresh assessment that could result in a lower limit. This broader assessment methodology suggests that everyday mobile habits play a role in determining eligibility and borrowing capacity for Fuliza borrowers.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}