Analysis Report

# Profile

Term	Description
Document Name	The type of document shared ie Mpesa statement, bank statement or till statement.
Generated date	The date when the Mpesa statement PDF was created by Safaricom PLC.
Received on	The date when the Mpesa statement was emailed to the customer from the Safaricom portal.
Submission Age	It's the period between the customer's last transaction recorded on the statement and the time the statement was submitted for analysis.
Processed Age	The number of days the statement has stayed in the system since the last transaction held by the customer.
Statement period	The coverage duration of the statement, e.g., from 1st March 2023 to 1st March 2024. Note that the statement period may not match the transaction period; for instance, a 12-month statement period might only contain transactions for 4 months.

Term	Description
Mobile Loan Score	These are short-term loans usually a period of one month and are mostly unsecure.
Long-term Loan Score	These are Long-term loans, typically extending beyond one month, and often require collateral.
Risk level	Is the measure of an individual's likelihood to default usually gauged on a scale ranging from catastrophic (0-250) to insignificant (751-900)
Highest	It's the greatest loaned amount within the category.
Gross loanable (R)	It's the total Monthly Recommended Amount that can be repaid comfortably.
Net loanable (R)	It's the total Monthly Recommended Amount that can be repaid comfortably less MFI and Mobile Lenders.
Pick inflow dates	Highlight the dates when an account receives consistent, significant cash inflows.
Total inflow (Cr)	This represents the sum of all the credit transactions picked within the statement.
Total outflow (Dr)	Represents the sum of all the debit transactions picked within the statement.
Average inflow (Cr)	Is the mean of all credit transactions picked within the statement.
Average outflow (Dr)	Is the mean of all debit transactions picked within the statement.

Term	Description
Expense to Income	The total amount of money spent each month on utilities, shopping, travel, food, entertainment, insurance e.t.c excluding savings and loan repayment relative to income.
Debt to Income	All debt payments divided by gross income
Savings to Income	The total amount sent to Saccos, Pension schemes or any other kind of savings and investment scheme relative to income.
Sweep Rate	The average monthly percentage of money debited from an account each day against the money that is retained in an account.
Volatility score	This metric gauges the variability of transactions in the statement. With a range from 0 to 1, a score nearing zero indicates stability and consistency in transactions. Conversely, a score approaching 1 signifies transactional inconsistency.
Betting to Income	The total amount of money spent on betting sites relative to the total income.
Trend percentage	The percentage change in income over time