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    Loan-to-Value (LTV) Underwriting: Protecting SACCO Capital with 80% KMRC Collateral Caps

    Ramon Gitau
    Sep 12, 2026
    6 min read
    Strategic Insight

    Understanding KMRC 80% Loan-to-Value (LTV) underwriting caps, member equity deposit rules, and SACCO Home Savings Plans.

    Loan-to-Value (LTV) Underwriting: Protecting SACCO Capital with 80% KMRC Collateral Caps

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    Ramon Gitau

    Strategic Consultant

    Strategic consultant specializing in digital transformation and growth mechanics for financial institutions in East Africa.

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