Kenya Regulatory Pack

mfi_reg_kenya is the most heavily exercised pack in MFI Suite because every BridgeERP MFI tenant runs in Kenya. It covers four supervisors and the tax authority, with auto-lodgement where each portal supports it.

What this pack does

Kenya has overlapping regulators for microfinance entities. A deposit-taking SACCO answers to SASRA. A microfinance bank answers to CBK under the Microfinance Act 2006. Both must register with ODPC under the Data Protection Act 2019, file AML reports to FRC via the GOAML portal, and remit withholding tax on interest income to KRA. This pack handles all five.

The pack auto-detects which licences the tenant holds via Settings > MFI > Licences. Toggle the licences you carry; only those returns become active. A non-deposit credit-only MFI will see CBK-DCS returns instead of SASRA, plus ODPC and FRC.

SASRA returns

SASRA supervises deposit-taking SACCOs (DT-SACCOs). The pack files four returns: monthly capital adequacy (SR-1), monthly liquidity (SR-2), monthly large exposures (SR-3), and quarterly prudential (SR-Q).

CBK returns

CBK supervises microfinance banks and Digital Credit Providers (DCP). The pack covers MFB monthly prudential (MFB-1), DCP quarterly returns under the Digital Credit Providers Regulations 2022, and the consumer-complaints register.

• MFB-1 prudential return (monthly) — capital, liquidity, asset quality, earnings, sensitivity
• MFB-2 large exposures (monthly)
• DCP-Q quarterly return for digital credit providers
• Consumer complaints register (real-time, queryable by CBK on demand)
• Quarterly stress-test under CBK guidance note 2023

ODPC data-protection registrations

Any MFI processing personal data in Kenya must register as a Data Controller with ODPC. The pack ships the registration form data, the DPIA template required for credit scoring, and a breach-notification workflow that hits the 72-hour rule.

FRC GOAML reports

The Financial Reporting Centre uses the UNODC goAML platform. The pack exports STRs (Suspicious Transaction Reports) and CTRs (Cash Transaction Reports above KES 1,000,000) as goAML-compliant XML.

1. Cron evaluates daily for transactions over the CTR threshold (KES 1,000,000 single, or aggregated within 24h)
2. Eligible transactions queued in mfi.aml.report.draft
3. AML officer reviews each draft, attaches narrative and supporting docs
4. Officer clicks 'Generate goAML XML' — pack produces the file conforming to schema 5.0.1
5. Officer uploads to FRC GOAML portal manually (no API yet); pack records the reference

KRA integration

Withholding tax on interest income is 15% for residents and 20% for non-residents. The pack computes WHT on each loan-interest receipt, posts the WHT liability, and prepares the monthly iTax CSV upload.

# Compute WHT for a member's monthly interest accrual
rate = 0.15 if member.country_id.code == 'KE' else 0.20
wht = interest_accrued * rate
self.env['account.move'].create({
    'journal_id': journal_wht.id,
    'line_ids': [
        (0, 0, {'account_id': wht_liability.id, 'credit': wht}),
        (0, 0, {'account_id': interest_income.id, 'debit': wht}),
    ],
})

Worked scenarios

Reference

SASRA SR-1 line-item mapping

Kenya pack configuration

Troubleshooting

See also

• Regulatory Pack
• Uganda
• Webhooks
• Treasury
• Ifrs9