Category Breakdown Report
Detailed Transaction Classification (2024-2025)
Expense Categories (Outflows)
A consolidated view of all funds leaving the combined accounts. The data highlights a split between formal business payments (Paybill/Buy Goods) and informal transfers.
Combined Wallet Allocation
Represents 59% of total outflows. This is the "Audit-Ready" portion of your expenses.
High Risk Category. Used for wages, loans, or unreceipted suppliers. Hard to classify for tax.
Category Insights
- Paybill Dominance (KES 5.1M): The heavy weighting here suggests you are paying large institutional suppliers or settling recurring bills (e.g., KPLC, Rent, Bulk Stock).
- Retail Activity (KES 1.7M): "Buy Goods" suggests daily operational costs (fuel, meals, minor stock). The volume here is healthy for a small-to-medium enterprise.
- Cash Leakage: "Agent Withdrawal" is surprisingly low (KES 74k). This is excellent—it means you are keeping money digital rather than cashing out.
Operational Roles by Category
Spend Profile Comparison
Vikki is optimizing for "Paybill" (Suppliers), while Okwi optimizes for "Send Money" & "Buy Goods".
The "Heavy Lifter" vs. "Daily Runner"
Breaking down the categories reveals a clear division of labor:
The Treasurer: Her account is the backbone. 46% of her outflow goes to Paybill (likely inventory/overhead). Only 14% goes to Buy Goods. She handles the "Macro" payments.
The Operator: His account is tactical. He spends nearly equal amounts on Transfers (Wages/P2P) and Retail (Buy Goods). His Paybill usage is minimal. He handles the "Micro" logistics.
Recommendation
Standardize the "Okwi" role. Currently, Okwi uses "Send Money" for 62% of his outflow. If these are wages or petty cash, consider moving them to a "Pochi la Biashara" or dedicated petty cash till to separate them from personal transfers.
Source of Funds Analysis
How does money enter your ecosystem? The data shows a massive reliance on Cash Deposits.
Key Insight:
For every KES 1 received digitally (from customers sending money), you deposit KES 11 in physical cash via agents.
This indicates your revenue collection is primarily physical cash (likely a shop front or cash-on-delivery), which is then banked into M-PESA.