Njepe Welfare
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🔒 Executive Access · Board & Management
Executive Performance Dashboard
Comprehensive real-time KPIs across financial, member, operational, and digital performance dimensions. Q2 2026.
📊 Financial Performance KPIs
Key financial indicators for Q2 2026 vs. Q2 2025
Total Assets
KES 320M
↑ +18.4% YoY
vs. KES 270M Q2 2025
Loan Portfolio
KES 85M
↑ +31.2% YoY
NPL Ratio: 2.1%
Deposits / Savings
KES 210M
↑ +22.7% YoY
Target: KES 250M EOY
Net Profit (H1 2026)
KES 4.2M
↑ +28.5% YoY
Profit margin: 14.2%
Capital Adequacy Ratio
18.4%
↑ Above 10% minimum
SASRA requirement: ≥10%
Liquidity Ratio
24.8%
↑ Comfortable
Minimum: 15%
Cost-to-Income Ratio
58.3%
↓ from 64.1%
Target: <55% by EOY
Expected Dividend Rate
14%
↑ vs. 12% last year
To be declared at AGM
Loan Portfolio Growth (Monthly — KES Millions)
Cumulative loan book growth Jan–Jun 2026
👥 Member Performance KPIs
Membership health, satisfaction, and engagement metrics
Active Members
1,247
↑ +187 YTD
Target: 1,400 EOY
Member Satisfaction (CSAT)
92%
↑ +8pts from Q4 2025
Target: 90% sustained
Net Promoter Score
68
↑ from 52 in 2025
Industry avg: 45
Member Retention Rate
96.2%
↑ Best ever
Target: 95%+
Loan Portfolio Composition
Distribution by loan type — Q2 2026
KES 85M
Total
Development 38%
School Fees 24%
Emergency 13%
SME 13%
Other 12%
Member Complaints Resolution
Q2 2026 complaints received and resolved
| Category | Received | Resolved | Status |
|---|---|---|---|
| Loan Processing | 12 | 11 | 92% Resolved |
| Account Issues | 7 | 7 | 100% Resolved |
| Digital Platform | 9 | 6 | 67% Resolved |
| Guarantor Disputes | 4 | 3 | 75% Resolved |
| Other | 3 | 3 | 100% Resolved |
⚙️ Operational & Digital KPIs
Efficiency, productivity, and digital adoption metrics
Avg Loan Turnaround
48h
↓ from 14 days
Target: <24h (Phase 2)
Digital Adoption Rate
67%
↑ +22pts YoY
Target: 80% EOY
Staff Productivity
+34%
↑ vs. 2025
Loans processed per staff
Paperless Processes
72%
↑ from 15% in 2024
Target: 95% (Phase 2)
Digital Channel Adoption by Member Segment
Percentage of each segment using digital channels
| Member Segment | Mobile App | Web Portal | Overall Digital | Trend | |
|---|---|---|---|---|---|
| Young Professionals (18–35) | 88% | 72% | 95% | 92% | ↑ +28pts |
| Salaried Employees (35–50) | 65% | 58% | 80% | 71% | ↑ +22pts |
| Business Owners (SME) | 70% | 65% | 85% | 74% | ↑ +18pts |
| Retirees (50+) | 35% | 28% | 52% | 38% | ↑ +12pts |
| Diaspora Members | 92% | 88% | 75% | 90% | ↑ +35pts |
| OVERALL | 67% | 58% | 78% | 67% | ↑ +22pts |
🛡️ Risk & Compliance Indicators
Key risk metrics — all within approved thresholds
Non-Performing Loans (NPL)
2.1%
↓ from 3.4% Q4 2025
Threshold: <5%
Fraud Incidents (Q2)
0
✓ Zero confirmed
AI monitoring active
SASRA Compliance Score
98%
↑ Excellent
Annual inspection: Clean
Data Breaches
0
✓ Zero incidents
ISO 27001 controls active