The Revised Risk-Based Credit Pricing Model

In this episode recorded on October 23, 2025, and hosted by Julians Amboko, we are joined by Dr. Samuel Tiriongo, Director of Research & Policy - Kenya Bankers Association, as we unpack the revised risk-based credit pricing model anchored on KESONIA and what it means for banks, borrowers, and the economy.Subscribe to get notified when we make a new post.Show Notes00:00:00 Introduction00:04:52 Risk-Based Pricing and Transition to a Unified Base Rate00:23:28 Impact, Market Governance, Risk-Scoring, and Safeguards00:34:31 Interest Rates and Fiscal Dominance00:39:35 KESONIA Minus00:42:05 Net Interest Margins and Risk Assessment for the Unbanked00:46:26 Transition Timelines and Bank Preparations00:52:56 Fixed vs Variable Rate Loans00:57:52 Global Examples and Regional Leadership00:59:45 Closing Thoughts Get full access to The Mwango Weekly at mwangocapital.substack.com/subscribe