This is very clear on the FAQ's nd its one of the founding principles
of M-Shwari so you have no right to raise any alarm.

./Ok3ch

On Sun, Dec 23, 2012 at 10:10 AM, Bernard Mwagiru <bmwagiru@gmail.com> wrote:
>
> http://www.safaricom.co.ke/personal/m-pesa/m-shwari/m-shwari-faqs
>
> If you have saved Kshs 5000 in your M-Shwari and have a loan of Kshs 2000
> and do not repay within the loan duration (30 days), what happens to the
> money in your deposit account?
>
> When you borrow the Ksh 2,000, the money in your savings account will be
> frozen to the loan amount and the loan fee (loan amount Ksh 2,000 loan plus
> a facilitation fee of Ksh 150).You will only be able to access any balance
> above the frozen amount. The frozen amount will be accessible once you pay
> the loan. However you can continue to deposit money. Note: During the period
> the frozen savings will continue to earn interest which will be paid into
> your M-Shwari at the end of calendar quarter.
>
> ./bernard
>
> On Dec 22, 2012 6:42 PM, "Jacob Ayienda" <jacobayienda@gmail.com> wrote:
>>
>> Just realized I can't withdraw cash from my mshwari account I had
>> deposited by accident which I had meant to pay a loan I had taken.
>> Initially I thought mpesa was experiencing downtime only to realize
>> everything else worked okay.
>>
>> Then it hit me. The amount is being used as security for what I had
>> borrowed earlier something I don't remember reading in the terms of
>> use. If it is a bug then that's unfortunate because now I can't pay
>> back the loan owed as the money is locked in the mshwari a/c and
>> repayment is down through mpesa.
>>
>> ***insert insult here***
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