Insights for Microfinance & Lenders

Guide cover: managing loan arrears with grace periods, penalties and rollovers
  • Sep 30, 2026
  • 8 min read

Loan Arrears Management in Kenya: Grace Periods, Penalties …

A practical guide for SACCOs and MFIs on handling loans in arrears: reminders, grace periods, fair penalty structures, when rollovers help or hide bad debt, and how to calculate PAR30, with worked KES examples.

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