Me think its hard to default, unless you do not use MPESA. They will Just transfer from YOUR mpesa. But wait, you will get several reminders as repayment deadline approaches.

How much have you taken as loan?

I asked same question. And I hear they have done their averaging and concluded that the risk is already covered by the interest earned from the loans, 7% per month means 84% interest per annum! But they don't have rights to transfer your Mpesa money to Mshwari.

I think they have debt collection plan, which is scheduled and deisnged to harras defaulters, which I think eventually leads to your oine being suspended, not mentioning your name appearing in Credit Reference Authorities

Risk of default is insured and all that fuzzy actuarial math has gone into the structuring of this product.
There is also an automated engine that lowers your credit risk rating as you build your borrow-repay history.
In any case only an idiot would think of losing such a convenient facility for a miserly approx theoritical max of 7000/- one-off payday.

-@washiku . Kula kulipa.i dont think wr should call it harassment. Someone willigly took up a loan. A few calls to remind them to pay are in order.