Approving loans and payouts

How approvals work, what you are confirming and how money is paid out.

Your group decides how many officials must approve each kind of request. Requests waiting for you appear under Approvals.

1. Open the request and check the details: the member, the amount, their balances and, for loans, the guarantors.
2. Choose Approve or Decline, with a reason if you decline.
3. Confirm with the code from your authenticator app.

When enough officials have approved, the payout is ready. Under Payouts, an official sends it by M-PESA from your group's shortcode, or records it as paid by bank or cash.

Good to know

• Nobody can approve a request for money going to themselves.
• If M-PESA doesn't confirm a payout, it's marked as unconfirmed and never sent again automatically. Check the M-PESA statement and resolve it under Payouts.
• Every decision is kept in the Audit trail.