You lend a friend 20,000. He pays you back the next week, exactly as promised. Next month he asks again — easy, you trust him. But another friend has owed you since January and keeps dodging your calls. Will you lend to her again? Probably not.
Banks, SACCOs and loan apps do the exact same thing — they just turn it into a number. It is called a credit score: one number that answers the only question a lender really cares about — will this person pay me back?
A high score means yes, and cheaply: bigger loans, lower interest, a faster yes.
A low score means no — or only at a painful price.
Here is the unfair part: in most places that number is invisible to you. Strangers decide it, lenders see it, and you never get to look. Mizani does it differently — your score is right there in front of you, and so is every reason behind it.