Rulepack Studio
In-flight cases stay pinned to the version they were created under. Publishing never silently migrates a case.
v2026.3
Effective 2026-06-01 · ontology onto-1.9 · methodology meth-2.4.0
Five-dimension weights
- Character & Commitment30%
- Capacity & Cashflow30%
- Competition & Business Conditions20%
- Capital & Cash13%
- Collateral7%
Thresholds
- Minimum coverage ratio1.5×
- Marginal coverage floor1.25×
- Maximum single exposure3000USD
- Flat monthly rate4.5%
Waiver authority
records not maintained → Supervisorthird party unavailable → Supervisordocument lost → Supervisorconnectivity prevented lookup → Supervisorseason not observable → Branch Managersafety access constraint → Branch Managerother → Branch Manager
Change log
- 2026-05-18 · Nyasha Chirwa — Raised coverage floor from 1.4× to 1.5×
- 2026-05-20 · Rudo Ncube — Checker approval — published as v2026.3
v2026.4 (draft)
Effective 2026-09-01 · ontology onto-2.0 · methodology meth-2.5.0-draft
Five-dimension weights
- Character & Commitment30%
- Capacity & Cashflow30%
- Competition & Business Conditions20%
- Capital & Cash13%
- Collateral7%
Thresholds
- Minimum coverage ratio1.6×
- Marginal coverage floor1.3×
- Maximum single exposure4000USD
- Flat monthly rate4.5%
Waiver authority
records not maintained → Supervisorthird party unavailable → Branch Manager
Change log
- 2026-08-04 · Nyasha Chirwa — Draft: coverage floor 1.6×, seasonality becomes blocking
Edit draft and test against seeded cases
Draft edits never affect in-flight cases pinned to v2026.3.
Switch to Methodology Administrator (Nyasha Chirwa) to edit the draft.
| Seeded case | Coverage | Before (1.5×) | After (1.60×) |
|---|---|---|---|
| Chipo Moyo | 3.46× | Within policy | Within policy |
| Tafadzwa Ndlovu | 5.04× | Within policy | Within policy |
| Rudo Sibanda | 2.46× | Within policy | Within policy |
Evidence requirements in draft
| Requirement | Node | Acceptable verification | Blocking |
|---|---|---|---|
| R-KYC-01 | Borrower identity (national ID) | verified | gate |
| R-KYC-02 | Data & credit-check consent | verified | gate |
| R-CF-01 | Normal week sales | corroborated | gate |
| R-CF-02 | Cost of goods sold (share of sales) | corroborated | gate |
| R-CF-03 | Business rent (monthly) | verified | gate |
| R-CF-04 | Other operating expenses (monthly) | claimed | — |
| R-HH-01 | Household expenses (monthly) | claimed | gate |
| R-HH-02 | Other household income (monthly) | claimed | — |
| R-DEBT-01 | Existing debt service (monthly) | corroborated | gate |
| R-BUS-01 | Business premises verification | verified | gate |
| R-BUS-02 | Seasonality / slow-week pattern | corroborated | gate |
| R-COL-01 | Collateral / security | claimed | — |
| R-CHR-01 | Character reference | corroborated | — |