OTHER LOANS School Fees Loan Booster Loan for special business orders Household Loan for home

home beautification Asset Financing LOAN TERM Repayment period for working capital loans are for a maximum of two years repayable monthly through MPESA or in group meetings. FEES / CHARGES We levy a reasonable service charge for all loans advanced to our clients. HOW TO ACCESS SMEP LOAN PRODUCTS Potential clients who need access to SMEP loans must be members of a group that meet regularly. The group sizes vary from 15 to 30 people who are in a similar economic condition and enjoy mutual trust and confidence. These groups must be registered with the relevant government ministries. SMEP facilitates the formation of these groups. For urban clients who need high initial working capital, groups of 10 people can be considered. For individual clients, they just need to demonstrate an ability to repay the loan. A thorough loan appraisal will be undertaken and an agreeable collateral (security) is required. WAY FORWARD The company is currently exploiting marketing opportunities for agricultural produce for its clients to address the problem of market linkages. The organization is currently in transition from Credit-only to deposit taking microfinance institution under the Kenyan Microfinance Act 2006.

NAIROBI REGION

RIFT VALLEY REGION

MT. KENYA REGION

Mob. 0724-776233

Pay Your SMEP Loan through

WESTERN REGION

Tel: 020 357296 Mob. 0733-405838

COAST REGION
Mob. 0713-357791

Mob. 0720-930710 Tarner Barker Bldng Tel: 020-3572793 Mob. 0721-843332

Post Bank Building Tel: 020-2511849

Jiwa House, Prison Road

NYANZA REGION

MALINDI Majengo Central Tel: 041-2002150 Mob. 0728-794324

Mob: 0726 937 367

SMEP Fulfilling your dreams. SMEP Fulfilling your dreams.

INTRODUCTION SMEP is a leading Christian micro finance institution duly registered as company limited by guarantee as per the Kenyan law. Its overall objective is to improve the performance of low income entrepreneurs in the informal sector of the national economy through provision of financial and non financial services. HISTORICAL BACKGROUND The company started in 1975 as Small Scale Business Enterprise programme (SSBE), a small project under urban community improvement programme. (A brainchild of NCCK.) The project provided the urban poor in the slums with the minimum food requirements for survival. Later on the NCCK decided to establish a credit scheme to enable such people to obtain small scale loans without collateral to set up income generating micro enterprises. It is out of this credit scheme that the company SMEP was formed and became registered in 1999.

SMEP also offers financial education programmes to all its clients to enable them make sound financial business decisions. LOAN REPAYMENT METHOD SMEP has recently teamed up with Safaricoms MPESA to enable easier repayments by clients via MPESA. PROCEDURE Safaricom MPESA Paybill Business number - Loan repayment 777001, Hazina 777002, Akiba 777003, Hazina plus 777004. ACCOUNT NUMBER (comprises of two numbers: the group code and the client emerge ID). For demonstration purposes use 123456 Amount PIN number Confirm Amount and account number. Send. Thereafter, a feedback confirming that the amount is sent to SMEP is received.

SMEPS MISSION We are committed to improving the living standards of our clients, employees, and increase the value of other stakeholders by profitably providing high quality financial and non financial services, using efficient and effective technology. CORE VALUES SMEP is a Christian based organisation that upholds human dignity and worth, integrity, equal opportunity and participation, professionalism and stewardship. SMEP PRODUCTS AND SERVICES SMEP offers a very diverse loan product offerings tailor made for its target market and partners with other stakeholders for offer green products (solar power packs and water tanks). SMEP also offers Micro-health insurance (commonly referred to as Bima ya Jamii) to offer medical cover to its clients. SMEP lends from as little as 3,650 for medical insurance to our clients who need a peace of mind, and up to 3 million shillings for business expansion. Our loan products are either given as Group loans or Individual loans. Group loans range from 5,000 up to 3 million shillings. These loans are given to individuals who are in a group referred as KIWA (Kikundi Cha Wanabiashara).

SMEPS VISION

To be the preferred and model provider of high quality financial and non financial service in Kenya, in order to alleviate poverty and enhance a strong and equitable economy.