Rating Methodologies
How we score.
Why it matters.
Every shrwed.co rating is built from real data, tested by real Kenyans, and weighted for how people in Kenya actually make financial decisions.
Example · Mobile Loan Rating
Pillar weights differ by category — what matters most depends on what you're comparing.
Our 6-Pillar Scoring System
Every product on shrwed.co is scored 0–10 on each of six independent pillars. The pillars are then weighted differently by category — because what matters most to a first-time mobile loan borrower is very different from what matters to a forex trader or SACCO member.
The Score Scale
Each pillar is scored 0–10. Pillar scores are combined into an overall 0–10 score, then displayed as 0–5 stars. A score of 10 means the best in category at the time of our last review.
Score → Stars conversion
Editorial Independence
Our credibility is the product. The moment a rating can be bought, the platform is worthless. This is enforced structurally, not just by policy.
- Pay-for-play: No institution can pay to improve their rating. Ever.
- Affiliate bias: Affiliate revenue does not touch pillar scores.
- Undisclosed partnerships: All commercial relationships are publicly disclosed.
- Open methodology: You're reading it. Every calculation is visible.
- Independent verification: We test products ourselves, regardless of partnerships.
- 24-hour corrections: Error reports acknowledged within one business day.
Correction Policy
Found something wrong? Send your report to editorial@shrwed.co with subject: "Correction: [Product Name] — [Issue]". Include evidence — screenshots, documents, links.
Frequently Asked Questions
Yes. We maintain a structural firewall between commercial partnerships and editorial ratings. Affiliate revenue does not influence pillar scores.
Rates and fees are verified regularly. Full reviews are updated quarterly. Licensing status is checked monthly directly from regulatory registries.
No. Full stop. This would destroy the only thing that makes shrwed.co useful.
Not necessarily. Choose based on your situation. Need money fast? Filter by Speed. First-time borrower? Filter by Access. Worried about harassment? Filter by Trust.
Yes. Email editorial@shrwed.co with subject "Rating Appeal: [Product Name]". We require evidence — not just disagreement.
Seen enough? Start comparing.
Your money, your decision — with all the facts in front of you.