{
  "generatedAt": "2026-08-11T00:12:06.052Z",
  "current": {
    "period": "2026-08-01T00:00:00.000Z",
    "dateSaved": "2026-08-10T18:00:10.505Z",
    "members": 159,
    "contributions": 1623627.51,
    "loansDisbursed": 4520800,
    "loansBalance": 1921827.11,
    "totalBankBalance": 173603.27000000002,
    "profit": 147943.98,
    "roa": 7.1,
    "liquidityRatio": 10.3,
    "nplRatio": 4.1,
    "coreToAssets": 20.2,
    "loansToAssets": 91.7,
    "savingsToLoans": 84.5,
    "operatingExpenseRatio": 23.7,
    "externalBorrowingRatio": 0,
    "institutionalCapitalToAssets": 16.5,
    "delinquentLoans": 78274.72,
    "activeMembers": 51,
    "numberOfLoansGiven": 199,
    "shareCapital": 248134.61,
    "interestFromLoans": 258722,
    "interestFromMMF": 2727,
    "lateRepaymentFines": 38100.2,
    "miscellaneousContributions": 32957.79,
    "chamasoftSubscription": 13900,
    "bankCharges": 29319,
    "otherOperatingExpenses": 35500,
    "grossRevenue": 332506.99,
    "totalExpenses": 78719,
    "operatingSurplus": 147943.98,
    "subscriptionProvision": 0,
    "badLoanProvision": 78274.72,
    "netProfitAfterProvisions": 147943.98,
    "finalNetProfit": 147943.98,
    "totalAssets": 2095430.3800000001,
    "memberDeposits": 1623627.51,
    "externalLiabilities": 66784.65,
    "equity": 344933.7,
    "bankBreakdown": [
      {
        "name": "Co-operative Bank",
        "value": 1971.15
      },
      {
        "name": "Chamasoft",
        "value": 702.12
      },
      {
        "name": "Cytonn",
        "value": 98173
      },
      {
        "name": "Nichomez",
        "value": 72757
      }
    ],
    "loanTypesToday": [
      {
        "name": "Emergency",
        "value": 1770700
      },
      {
        "name": "Medicare",
        "value": 15000
      },
      {
        "name": "Development",
        "value": 2440100
      },
      {
        "name": "Education",
        "value": 295000
      }
    ],
    "saccoId": 2,
    "saccoName": "SOYOSOYO SACCO",
    "statutoryReserves": 27129.83,
    "shortTermLiabilities": 66784.65,
    "loansBalanceToday": 1921827.11,
    "bankBreakdownToday": [
      {
        "name": "Co-operative Bank",
        "value": 1971.15
      },
      {
        "name": "Chamasoft",
        "value": 702.12
      },
      {
        "name": "Cytonn",
        "value": 98173
      },
      {
        "name": "Nichomez",
        "value": 72757
      }
    ],
    "bankBalance": 173603.27000000002,
    "externalLoansToday": 0,
    "extraFields": {
      "bankBreakdown": [
        {
          "name": "Co-operative Bank",
          "value": 1971.15
        },
        {
          "name": "Chamasoft",
          "value": 702.12
        },
        {
          "name": "Cytonn",
          "value": 98173
        },
        {
          "name": "Nichomez",
          "value": 72757
        }
      ],
      "bookValue": 2095430.3800000001,
      "priorYearLossCarryForward": 0,
      "delinquentLoans": 78274.72,
      "manualInputs": {
        "activeMembers": 51,
        "numberOfLoansGiven": 199,
        "shareCapital": 248134.61
      },
      "incomeStatement": {
        "interestFromLoans": 258722,
        "interestFromMMF": 2727,
        "lateRepaymentFines": 38100.2,
        "miscellaneousContributions": 32957.79,
        "grossRevenue": 332506.99,
        "totalExpenses": 78719,
        "operatingSurplus": 147943.98,
        "subscriptionProvision": 0,
        "badLoanProvision": 78274.72,
        "netProfitAfterProvisions": 147943.98,
        "finalNetProfit": 147943.98,
        "priorYearLossCarryForward": 0
      },
      "expenses": {
        "chamasoftSubscription": 13900,
        "bankCharges": 29319,
        "otherOperatingExpenses": 35500,
        "activeMembers": 51
      },
      "balanceSheet": {
        "totalAssets": 2095430.3800000001,
        "memberDeposits": 1623627.51,
        "externalLiabilities": 66784.65,
        "shareCapital": 248134.61,
        "statutoryReserves": 27129.83,
        "retainedEarnings": 147943.98,
        "equity": 344933.7
      },
      "ratios": {
        "coreToAssets": 20.2,
        "institutionalCapitalToAssets": 16.5,
        "liquidityRatio": 10.3,
        "nplRatio": 4.1,
        "externalBorrowingRatio": 0,
        "loansToAssets": 91.7,
        "savingsToLoans": 84.5,
        "operatingExpenseRatio": 23.7,
        "roa": 7.1
      },
      "loanTypesToday": [
        {
          "name": "Emergency",
          "value": 1770700
        },
        {
          "name": "Medicare",
          "value": 15000
        },
        {
          "name": "Development",
          "value": 2440100
        },
        {
          "name": "Education",
          "value": 295000
        }
      ]
    },
    "incomeStatement": {
      "interestFromLoans": 258722,
      "interestFromMMF": 2727,
      "lateRepaymentFines": 38100.2,
      "miscellaneousContributions": 32957.79,
      "grossRevenue": 332506.99,
      "totalExpenses": 78719,
      "operatingSurplus": 147943.98,
      "subscriptionProvision": 0,
      "badLoanProvision": 78274.72,
      "netProfitAfterProvisions": 147943.98,
      "finalNetProfit": 147943.98,
      "priorYearLossCarryForward": 0
    },
    "expenses": {
      "chamasoftSubscription": 13900,
      "bankCharges": 29319,
      "otherOperatingExpenses": 35500,
      "activeMembers": 51
    },
    "ratios": {
      "coreToAssets": 20.2,
      "institutionalCapitalToAssets": 16.5,
      "liquidityRatio": 10.3,
      "nplRatio": 4.1,
      "externalBorrowingRatio": 0,
      "loansToAssets": 91.7,
      "savingsToLoans": 84.5,
      "operatingExpenseRatio": 23.7,
      "roa": 7.1
    }
  },
  "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,
    "interestFromLoans": 122105,
    "interestFromMMF": 3719,
    "lateRepaymentFines": 35674,
    "miscellaneousContributions": 2340,
    "chamasoftSubscription": 4000,
    "bankCharges": 21215,
    "otherOperatingExpenses": 0,
    "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": [],
    "extraFields": {
      "bankBreakdown": [
        {
          "name": "Co-operative Bank",
          "value": 2220.65
        },
        {
          "name": "Chamasoft",
          "value": 50770
        },
        {
          "name": "Cytonn",
          "value": 1123
        }
      ],
      "loanTypesToday": [],
      "delinquentLoans": 134794,
      "manualInputs": {
        "activeMembers": 75,
        "numberOfLoansGiven": 125,
        "shareCapital": 222406
      },
      "incomeStatement": {
        "interestFromLoans": 122105,
        "interestFromMMF": 3719,
        "lateRepaymentFines": 35674,
        "miscellaneousContributions": 2340,
        "grossRevenue": 163838,
        "totalExpenses": 25215,
        "operatingSurplus": 138623,
        "subscriptionProvision": 43470,
        "badLoanProvision": 134794,
        "netProfitAfterProvisions": -101687,
        "finalNetProfit": 76577
      },
      "expenses": {
        "chamasoftSubscription": 4000,
        "bankCharges": 21215,
        "otherOperatingExpenses": 0,
        "activeMembers": 75
      },
      "balanceSheet": {
        "totalAssets": 1139243.65,
        "memberDeposits": 992835,
        "externalLiabilities": 66784,
        "shareCapital": 222406,
        "equity": 120719
      },
      "ratios": {
        "liquidityRatio": 5.5,
        "nplRatio": 12.4,
        "coreToAssets": 10.6,
        "loansToAssets": 95.3,
        "savingsToLoans": 91.5,
        "operatingExpenseRatio": 15.4,
        "externalBorrowingRatio": 5.9,
        "institutionalCapitalToAssets": 97.7,
        "roa": 6.7
      }
    }
  },
  "growth": {
    "membersGrowth": 8.904109589041095,
    "contributionsGrowth": 63.53447551707988,
    "loansDisbursedGrowth": 77.15427720521964,
    "loansBalanceGrowth": 77.1057025425525,
    "totalBankBalanceGrowth": 220.8123458683715,
    "profitGrowth": 93.19636444363192,
    "roaGrowth": 5.970149253731335
  },
  "explainers": {
    "explainer-members": "Since January, Soyosoyo SACCO has experienced a member count rise from 146 to 159, reflecting a **+8.9%** growth. This trend highlights the organization's commitment to expanding access to financial services and empowering members across Kenya.",
    "explainer-loans": "Since January, Soyosoyo SACCO has seen its loans disbursed rise from KSh 2,551,900 to KSh 4,520,800, reflecting an impressive **77.15%** growth. This trend highlights the organization’s commitment to empowering its members through accessible financial services across Kenya.",
    "explainer-contributions": "Since January, Soyosoyo SACCO has experienced a significant rise in contributions, reaching a total of **KSh 1,623,627.51**. This marks an impressive growth of **63.53%**, reflecting the organization's commitment to enhancing accessible financial services for its members across Kenya.",
    "explainer-profit": "Since January, Soyosoyo SACCO has seen a remarkable transformation, with profits rising to **KSh 147,943.98** from KSh 76,577. This represents a substantial growth of **93.2%**, highlighting the organization's commitment to empowering members through enhanced financial services.",
    "explainer-roa": "Soyosoyo SACCO's Return on Assets has improved from **6.7%** in January to **7.1%** today, reflecting a positive trend of **5.97%** growth. This indicates enhanced efficiency in utilizing assets for member empowerment and accessible financial services.",
    "explainer-liquidity": "Since January, Soyosoyo SACCO's liquidity ratio has increased from 5.5 to **10.3**, reflecting a remarkable **87.27%** growth. This positive trend highlights the organization's commitment to strengthening financial stability and supporting member empowerment in Kenya.",
    "explainer-loan-types": "The \"Loan Types Distribution\" chart shows that Soyosoyo SACCO has a total loan amount of KSh **4,520,800**, with the largest segment being Development loans at 54.0%. Emergency loans also represent a significant portion at 39.2%."
  }
}
