{
  "generatedAt": "2026-03-10T01:12:58.172Z",
  "current": {
    "period": "2026-03-01T00:00:00.000Z",
    "dateSaved": "2026-03-10T00:38:43.126Z",
    "members": 152,
    "contributions": 1266258,
    "loansDisbursed": 3238900,
    "loansBalance": 1373710,
    "totalBankBalance": 83640.15,
    "profit": 98019,
    "roa": 6.7,
    "liquidityRatio": 6.6,
    "nplRatio": 8,
    "coreToAssets": 12.6,
    "loansToAssets": 94.3,
    "savingsToLoans": 92.2,
    "operatingExpenseRatio": 20.3,
    "externalBorrowingRatio": 4.6,
    "institutionalCapitalToAssets": 99.5,
    "delinquentLoans": 110494,
    "activeMembers": 68,
    "numberOfLoansGiven": 148,
    "shareCapital": 235296,
    "grossRevenue": 200132,
    "totalExpenses": 40629,
    "operatingSurplus": 159503,
    "subscriptionProvision": 39412.799999999996,
    "badLoanProvision": 110494,
    "netProfitAfterProvisions": -51887.799999999996,
    "finalNetProfit": 98019,
    "totalAssets": 1457350.15,
    "memberDeposits": 1266258,
    "externalLiabilities": 66784,
    "equity": 183408.2,
    "bankBreakdown": [
      {
        "name": "Co-operative Bank",
        "value": 1771.15
      },
      {
        "name": "Chamasoft",
        "value": 55005
      },
      {
        "name": "Cytonn",
        "value": 26864
      }
    ],
    "loanTypesToday": [
      {
        "name": "Emergency",
        "value": 1647900
      },
      {
        "name": "Medicare",
        "value": 15000
      },
      {
        "name": "Development",
        "value": 1281000
      },
      {
        "name": "Education",
        "value": 295000
      }
    ]
  },
  "baseline": {
    "period": "2025-12-01T00:00:00.000Z",
    "dateSaved": "2025-12-31T20:16:11.965Z",
    "members": 146,
    "contributions": 992835,
    "loansDisbursed": 2551900,
    "loansBalance": 1085130,
    "totalBankBalance": 54113.65,
    "profit": 76577,
    "roa": 6.7,
    "liquidityRatio": 5.5,
    "nplRatio": 12.4,
    "coreToAssets": 10.6,
    "loansToAssets": 95.3,
    "savingsToLoans": 91.5,
    "operatingExpenseRatio": 15.4,
    "externalBorrowingRatio": 5.9,
    "institutionalCapitalToAssets": 97.7,
    "delinquentLoans": 134794,
    "activeMembers": 75,
    "numberOfLoansGiven": 125,
    "shareCapital": 222406,
    "grossRevenue": 163838,
    "totalExpenses": 25215,
    "operatingSurplus": 138623,
    "subscriptionProvision": 43470,
    "badLoanProvision": 134794,
    "netProfitAfterProvisions": -101687,
    "finalNetProfit": 76577,
    "totalAssets": 1139243.65,
    "memberDeposits": 992835,
    "externalLiabilities": 66784,
    "equity": 120719,
    "bankBreakdown": [
      {
        "name": "Co-operative Bank",
        "value": 2220.65
      },
      {
        "name": "Chamasoft",
        "value": 50770
      },
      {
        "name": "Cytonn",
        "value": 1123
      }
    ],
    "loanTypesToday": []
  },
  "growth": {
    "membersGrowth": 4.10958904109589,
    "contributionsGrowth": 27.53962138723957,
    "loansDisbursedGrowth": 26.921117598651982,
    "loansBalanceGrowth": 26.594048639333533,
    "totalBankBalanceGrowth": 54.56386697256605,
    "profitGrowth": 28.000574585058175,
    "roaGrowth": 0
  },
  "explainers": {
    "explainer-members": "Since January, Soyosoyo SACCO has welcomed 6 new members, resulting in a **4.11%** increase in total membership. This steady growth reflects the organization's commitment to empowering individuals through accessible financial services in Kenya.",
    "explainer-loans": "Since January, Soyosoyo SACCO has successfully disbursed **KSh 3,238,900**, reflecting a significant growth of **26.92%**. This increase highlights the organization's commitment to empowering its members through accessible financial services across the nation.",
    "explainer-contributions": "Since January, Soyosoyo SACCO has experienced a positive trend, with contributions growing from KSh 992,835 to KSh 1,266,258, reflecting an impressive **27.54%** increase that highlights the organization's commitment to empowering its members financially.",
    "explainer-profit": "Since January, Soyosoyo SACCO has experienced a notable surge in its profit, rising to **KSh 98,019** from KSh 76,577, reflecting a solid **28.0%** growth. This positive trend highlights the organization's commitment to member empowerment and accessible financial services in Kenya.",
    "explainer-roa": "Since January, Soyosoyo SACCO's Return on Assets remains steady at **6.7%**, indicating stable performance and consistent member support in accessible financial services across Kenya. This reflects reliability in the organization's management and operations.",
    "explainer-liquidity": "Since January, Soyosoyo SACCO has seen a positive shift in its liquidity ratio, rising from **5.5** to **6.6**, reflecting an impressive **20%** increase. This enhancement supports the organization’s commitment to providing accessible financial services and empowering its members across Kenya.",
    "explainer-loan-types": "The \"Loan Types Distribution\" chart indicates that Emergency loans account for **50.9%** of total loans, highlighting a strong demand for immediate financial assistance. Overall, this distribution reflects the diverse needs of members served by the national Kenyan organization."
  }
}