Telecommunications company Safaricom Plc has clarified how its Fuliza service sets loan limits, after complaints from customers about low limits despite frequent account transactions.
The comments came in response to a post on Safaricom’s Facebook page, where Kennson Sunyah expressed frustration, stating:
“Why do you give me Fuliza of 200 na mimi transaction zangu ni mingi kwa week l have entries 100+ bila zawadi yeyote?”
Safaricom responded, explaining that Fuliza is a social collateral service, meaning the loan amount is determined at the bank’s discretion.
The company added:
“That means it depends on your usage, timely repayments of any loans. A review is done periodically and whenever a limit is allocated, you are notified of the same on SMS.”
Safaricom Advises How to Increase Fuliza Loan Limits
The Telco also outlined the factors that influence the growth of Fuliza loan limits, following customer inquiries about low allocations.
In a follow-up, Facebook user Cheptoo Kenei asked:
“Mliamua limit yangu ya Fuliza ibaki tu 100…?”
In response, Safaricom explained that to increase the Fuliza limit, customers must continue actively using Safaricom and M-Pesa services, while repaying any Fuliza loans on time.
Also Read: Fuliza Users Hit 9.1 Million as Demand for Short-Term Loans Rises
The company added that limit growth depends on a variety of factors, including network usage—such as SMS, data, calls, and top-ups—and M-Pesa activity.
Additionally, factors such as transaction frequency, withdrawals, deposits, peer-to-peer transfers, and M-Shwari disbursements and repayments also impact the loan limit.
Also Read: How to Access M-Pesa’s Taasi Pochi and Fuliza Biashara Loans for Your Business
How to Increase Your Limit
Fuliza limits are set when a customer activates the service, provided they have been active on the Safaricom network for at least six months.
The allocation is based on overall activity on the line. To opt in to Fuliza, dial *334#, select Loans and Savings, choose Fuliza, and follow the prompts to complete the activation.
Upon opting in, you will be assigned a limit that defines the maximum amount of overdraft you can access.
To increase the Fuliza limit, customers are encouraged to consistently use Safaricom and M-PESA services and ensure timely repayment of their Fuliza facility by topping up their M-PESA accounts.
Users who have been on the network for less than six months are assigned a zero limit.
Safaricom sends an SMS notification once a customer’s Fuliza limit is adjusted.
A one-off 1% access fee is charged upon using Fuliza, and a daily maintenance fee is applied the following day at midnight.
However, Fuliza may block your access if you delay repayment, exhaust your limit, are listed by the CRB, engage in suspicious or fraudulent activity, or if Safaricom flags issues such as a lost SIM, misuse, or transactions that breach M-PESA regulations.
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