The man lamented that for the last five year since he repaid his last loan balance, the company is yet to allocate another limit Speaking to TUKO.co.ke, Safaricom explained that one needs to save regularly without withdrawing for a long time to grow the limit.

Why is your M-Shwari loan limit zero? Speaking to TUKO.co.ke Safaricom explained that the customer could have defaulted on his previous loans to get a zero limit. The company revealed it has set a loan limit reinstatement promotion for select defaulters once they clear their loans. 

How to grow M-Shwari, KCB M-Pesa loan limit The customer care desk added that to grow your M-Shwari and KCB M-Pesa loan limit, one needs to improve his usage of the services and credit score by paying any loan promptly, including Okoa Jahazi.

It also recommended long-term savings on M-Shwari and KCB M-Pesa without withdrawals. "However, M-Shwari is a social collateral service that allocates loan limits at the bank's discretion. Kindly improve on your line usage, repay any loans on time, including Okoa Jahazi, and ensure you have done long-term savings with no withdrawals of the funds saved. This way, you will have a positive review of the loan limit," Safaricom care urged customers. 

How long does it take to restore Fuliza limit? In related news, TUKO.co.ke reported that Kenyans turned to short-term loans to meet pressing needs such as food as the cost of living continued to rise. The majority used Fuliza M-Pesa, an overdraft loan facility offered by Safaricom PLC and mostly used to complete transactions in case of limited funds. However, those unable to access the loan raised concerns over the time they have spent with Safaricom lines without being allocated the limit.