---
title: "PEMiG: Credit Scoring in Kenya"
description: "B2B social credit scoring for Kenyan lenders: 300–850 score, 1–3 backers pledge 5%–20% liability; REST API scores in under 2 minutes."
canonical_url: "https://liners.com/pemig"
markdown_url: "https://liners.com/pemig.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/pemigloans/screenshot.webp?v=1772630375887"
published_at: "2026-03-06T22:49:21.307Z"
updated_at: "2026-09-29T03:01:21.812Z"
---

# PEMiG: Credit Scoring in Kenya

B2B social credit scoring for Kenyan lenders: 300–850 score, 1–3 backers pledge 5%–20% liability; REST API scores in under 2 minutes.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [PEMiG](/pemig)

## Summary

Social credit scoring for thin-file loan approvals

A B2B social credit scoring platform for Kenyan lenders that uses verified backers and shared liability to generate PEMiG Scores for youth and thin-file borrowers.

## Product details

| Field | Value |
| --- | --- |
| Website | https://pemigloans.co.ke/ |
| Tagline | Social credit scoring for thin-file loan approvals |
| Primary country | Kenya |
| Platforms | Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

PEMiG is a B2B SaaS **social credit scoring** platform for financial institutions in Kenya that want to approve more **thin-file borrowers**, especially youth and first-time applicants, without relying only on traditional CRB history.

Key capabilities include:
- **PEMiG Score (300–850) generated with Causal AI**, combining borrower CRB data (when available), verified backer CRB scores, social network strength signals, and **liability distribution**; the platform provides **explainability using SHAP values**.
- **Verified backing and shared liability**: borrowers invite **1–3 credit backers** (family, employers, friends). Backers receive **SMS/email** invitations, consent to CRB verification, and pledge **proportional liability (5%–20% of the loan amount)**.
- **Integration and decisioning options**: real-time scoring via **REST API** (typically returned **in under 2 minutes** once backers consent), **CSV upload** for batch scoring (within 24 hours), and a **white-label embed** option; pre-built adapters support **Craft Silicon, Musoni, and Temenos**.
- **Compliance and security controls** aligned to Kenya requirements, including **Kenya Data Protection Act** and relevant sector regulations, plus **AES-256** encryption at rest and **TLS 1.3** in transit.

Available on **Web** with a borrower and backer web app at **app.pemigloans.co.ke**.

PEMiG targets **SACCOs, MFIs, digital lenders, and progressive banks** in Kenya that serve youth (18–35) and other applicants with limited credit histories.

Notable in the Kenyan market context, the platform positions social backing as an additional underwriting signal to expand access to credit for thin-file borrowers; it reports pilot results across SACCO partners including a **2.5x** increase in approvals and a default-rate reduction from **43% to 19%**.

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [Credit Scoring](/tags/credit-scoring): Product feature or technology
- [SaaS](/tags/saas): Product feature or technology
- [Kenya](/countries/kenya): Market

## Related pages

- [Alternatives](/pemig/alternatives)
- [Reviews](/pemig/reviews)
- [Transparency](/pemig/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/pemig)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)