Comprehensive Loan Report – October 13, 2025
Prepared by: Finance and Loans Department
Compiled by: Michael Otieno Oyugi (Treasurer)
Reviewed by: Michael Odhiambo (Chairperson)
1. Introduction
This report provides a detailed summary of all short-term loans issued by Aeonian Amaranthine Limited (AAL) as of October 13, 2025.
It includes both active and completed loans, showing progress in repayments and overall financial discipline among members.
The goal is to maintain accountability and ensure that all financial activities align with AAL’s principles of transparency, fairness, and responsible lending.
2. Loan Portfolio Summary
| Category | Number of Loans | Total Amount (KES) |
|---|---|---|
| Active Loans | 4 | 4,287.98 |
| Completed Loans | 6 | 27,710.00 |
| Total Loans Issued | 10 | 31,997.98 |
3. Active Loans (Currently in Repayment)
| Loan ID | Loan Product | Borrower | Member No. | Release Date | Applied Amount (KES) | Status |
|---|---|---|---|---|---|---|
| 000001(1) | Aeonian Short-term | Gordon Ochieng | AAL/V/001/2021 | 2024-11-05 | 987.98 | Approved |
| 000010 | Aeonian Short-term | Hillary Obel | AAL/NV/010/2024 | 2025-07-12 | 500.00 | Approved |
| 000011 | Aeonian Short-term | Deborah Gechemba | AAL/NV/012/2024 | 2025-09-10 | 1,000.00 | Approved |
| 000012 | Aeonian Short-term | Kevine Obel | AAL/V/008/2025 | 2025-10-06 | 1,800.00 | Approved |
Total Active Loan Value: KES 4,287.98
4. Completed Loans (Fully Repaid)
| Loan ID | Loan Product | Borrower | Member No. | Release Date | Amount (KES) | Status |
|---|---|---|---|---|---|---|
| 000005 | Aeonian Short-term | Deborah Gechemba | AAL/NV/012/2024 | 2025-03-26 | 1,000.00 | Completed |
| 000009 | Aeonian Short-term | Kevine Obel | AAL/V/008/2025 | 2025-05-10 | 1,000.00 | Completed |
| 000003 | Aeonian Short-term | Hillary Obel | AAL/NV/010/2024 | 2025-03-12 | 1,810.00 | Completed |
| 000008 | Aeonian Short-term | Hillary Obel | AAL/NV/010/2024 | 2025-04-12 | 2,500.00 | Completed |
| 000007 | Aeonian Short-term | Steven Onditi | AAL/V/003/2021 | 2025-04-11 | 8,400.00 | Completed |
| 000006 | Aeonian Short-term | Steven Onditi | AAL/V/003/2021 | 2025-04-10 | 10,000.00 | Completed |
Total Completed Loan Value: KES 27,710.00
5. Observations
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- High Repayment Rate:
All completed loans have been fully settled, demonstrating excellent financial discipline among members.
- High Repayment Rate:
-
- Growth in Borrowing Confidence:
Members such as Hillary Obel and Steven Onditi have successfully managed multiple loans, reflecting growing trust in the organization’s credit system.
- Growth in Borrowing Confidence:
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- Digital Accuracy:
The updated loan management dashboard has made tracking repayments efficient, reducing errors and ensuring transparency.
- Digital Accuracy:
-
- Sustainable Loan Model:
The balance between active and completed loans shows that AAL’s short-term lending program is both sustainable and effective.
- Sustainable Loan Model:
6. Recommendations
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- Recognize Reliable Members:
Members with a consistent repayment history should be prioritized for higher loan limits or special incentives.
- Recognize Reliable Members:
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- Maintain Follow-up for Active Loans:
Continue sending automated reminders for due dates to ensure timely repayment and zero overdue accounts.
- Maintain Follow-up for Active Loans:
-
- Expand Long-term Loan Options:
Introduce longer repayment terms for members who have proven trustworthy in short-term loans.
- Expand Long-term Loan Options:
-
- Monthly Loan Review Meetings:
Schedule regular committee meetings to assess loan performance and member compliance.
- Monthly Loan Review Meetings:
7. Conclusion
The Aeonian Amaranthine Limited loan program remains strong, transparent, and efficient. The consistent repayment record demonstrates member responsibility and effective financial management.
Through continuous monitoring and encouragement of disciplined saving and borrowing, AAL continues to build a foundation of trust, empowerment, and sustainable growth within its membership.
“A repaid loan strengthens our community and opens opportunities for others to rise.”
Prepared by:
Michael Otieno Oyugi
Treasurer – Finance Department
Approved by:
Michael Odhiambo
Chairperson
Aeonian Amaranthine Limited.
