# The Revised Risk-Based Credit Pricing Model

An episode of [The Mwango Capital Podcast](https://invisiblenetwork.ai/podcast/1583367792), 27 Dec 2025, 1 h 03 min.

Audio: https://api.substack.com/feed/podcast/182681868/aca207699912f2477b70bf9568d27594.mp3

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 Notes 00:00:00 Introduction 00:04:52 Risk-Based Pricing and Transition to a Unified Base Rate 00:23:28 Impact, Market Governance, Risk-Scoring, and Safeguards 00:34:31 Interest Rates and Fiscal Dominance 00:39:35 KESONIA Minus 00:42:05 Net Interest Margins and Risk Assessment for the Unbanked 00:46:26 Transition Timelines and Bank Preparations 00:52:56 Fixed vs Variable Rate Loans 00:57:52 Global Examples and Regional Leadership 00:59:45 Closing Thoughts Get full access to The Mwango Weekly at mwangocapital.substack.com/subscribe

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