Tuesday, 19 February 2019

Loans for Normal Citizens

This service allows the clients to get a loan via M-PESA within 15 minutes. And it takes only five minutes to fill the application. To get M-PESA loans through Africa Loan you have to follow these steps: Register an mpesa account, Activate it through your mobile, Access to M-PESA menu, Go to Loans and Savings, Activate M-PESA, Go to Africa loan and fill the form, Wait for a call from the operator or an email, Withdraw the transferred money from M-PESA account. If the loan is approved the money will be sent to your account and you will get a message. Than you can select M-PESA and withdraw your money. The repayment is also easy. All you need to do is: to get into your M-PESA, to go to "Lipa na M-Pesa", to opt to a Paybill, to type the number of your account, to enter the number of your M-PESA, to indicate the sum of payment, to press OK. To apply for a credit the applicant should be at least 18 years old, having a job and Kenyan ID. Permanent residence address is required as well as mobile phone number and an M-PESA account of course. Read more: https://www.tuko.co.ke/271801-best-online-loans-kenya-2018.html#271801
This service allows the clients to get a loan via M-PESA within 15 minutes. And it takes only five minutes to fill the application. To get M-PESA loans through Africa Loan you have to follow these steps: Register an mpesa account, Activate it through your mobile, Access to M-PESA menu, Go to Loans and Savings, Activate M-PESA, Go to Africa loan and fill the form, Wait for a call from the operator or an email, Withdraw the transferred money from M-PESA account. If the loan is approved the money will be sent to your account and you will get a message. Than you can select M-PESA and withdraw your money. The repayment is also easy. All you need to do is: to get into your M-PESA, to go to "Lipa na M-Pesa", to opt to a Paybill, to type the number of your account, to enter the number of your M-PESA, to indicate the sum of payment, to press OK. To apply for a credit the applicant should be at least 18 years old, having a job and Kenyan ID. Permanent residence address is required as well as mobile phone number and an M-PESA account of course. Read more: https://www.tuko.co.ke/271801-best-online-loans-kenya-2018.html#271801
This service allows the clients to get a loan via M-PESA within 15 minutes. And it takes only five minutes to fill the application. To get M-PESA loans through Africa Loan you have to follow these steps: Register an mpesa account, Activate it through your mobile, Access to M-PESA menu, Go to Loans and Savings, Activate M-PESA, Go to Africa loan and fill the form, Wait for a call from the operator or an email, Withdraw the transferred money from M-PESA account. If the loan is approved the money will be sent to your account and you will get a message. Than you can select M-PESA and withdraw your money. The repayment is also easy. All you need to do is: to get into your M-PESA, to go to "Lipa na M-Pesa", to opt to a Paybill, to type the number of your account, to enter the number of your M-PESA, to indicate the sum of payment, to press OK. To apply for a credit the applicant should be at least 18 years old, having a job and Kenyan ID. Permanent residence address is required as well as mobile phone number and an M-PESA account of course. Read more: https://www.tuko.co.ke/271801-best-online-loans-kenya-2018.html#271801

List of best loan apps in Kenya

"Do not be fooled that rasta nuh educated...or we nuh know wah 'appen.

But you done know say you need be careful how the system coming to you and trying to rob nuff man out dem pocket."

  1. Mshwari by Safaricom
  2. KCB Mpesa Loans

    KCB M-Pesa

    KCB Mpesa is a partnership between the Kenya Commercial Bank (KCB) with Mpesa through Safaricom. The loan platform started in 2015 as a saving account and has been active ever since. It is possible to borrow without saving and the loan is disbursed through KCB Mpesa Menu on your phone.
    The minimum loan limit is Ksh 50 and a maximum of up to Ksh 1,000,000. Loan interest is at a rate of 1.16% per month with a one-off negotiation fee of 2.5%. The cost a months loan is 3.66% with excise duty applicable to fees.

    Conditions for Loan eligibility on KCB Mpesa

    Being an active registered Safaricom Mpesa customer for six months is enough to qualify for a loan. Dial *844# and follow user prompts to activate our KCB-Mpesa account.

    How to increase your KCB Mpesa Loan Limit

    KCB Mpesa assess your loan repayment behaviour, saving history and monitors your Mpesa transactions activity to determine the amount of loan limit for you.
    NOTE: KCB M-Pesa and Mshwari are accessible through Mpesa Menu on your phone or the Safaricom App. KCB Mpesa is also available through the KCB App.
  3. Tala Loans Very familiar.
  4. Branch Loans
    The first loan app in Kenya to review is Branch. A well-known app that was introduced to Kenyans in 2015 by Branch International. Branch is not only available in Kenya but can be found in Tanzania and Nigeria.
    The mobile loan app gives its users loans up to KES 50,000.
  5. Saida Loans
    Saida is another Loan App that is helping Kenyans secure an instant mobile loan direct to their phones. You can download Saida to your mobile app and they offer loans of up to 25,000.
    Their interest rates can go as low as 7.5% and you have up to 3 months to repay your loan.
    I have not used to App but will create a post on Saida in few coming weeks.
  6. Haraka
  7. Zidisha
  8. Shika Loan App
  9. Timiza from Barclays
 
1. mKey
mKey is a digital banking service that was launched by Finserve Africa in September. Through the app, customers can chat with their pals, read news, shop, pay bills, save and even take loans.
The app is available for download on the Google Play Store.You can borrow from Ksh. 300 to Ksh. 1 Million and the loan interest rate is 9%.

4. M-Shwari

Launched in 2012, this collaboration of CBA bank and Safaricom took the country by storm. So popular was it that by 2015 there were over 10 million Mshwari accounts with CBA disbursing over 50,000 loans every day.
To be eligible for an Mshwari loan, you have to be over 18 years old, have a registered and active Mpesa account for about 6 months and you also need to have updated your Mpesa menu.
The minimum loan amount that one can access is Ksh. 100 and the maximum amount is Ksh. 20,000. The repayment period is 30 days and the interest rate is 7.5%. The loan is disbursed via Mpesa, loan repayment can be done via Mpesa or be deducted from your Mshwari account. In the event that you delay or default on payment, you will be charged a 7.5% facilitation fee on the outstanding loan balance.

5. MCo-op Cash loans

MCo-op Cash is a product of the Co-operative Bank of Kenya (Co-op Bank). It is an app that allows Co-op Bank customers to access bank services and also loans.
To get a loan, you need to be a Co-op Bank customer and you have to have the MCo-op Cash app on either the Google Play Store or the iOS App Store.
You can borrow from Ksh 3,000 to a maximum of Ksh 100,000.
The charges on the loans are as follows:
  • 1 Month individual loans – 1.166%
  • 3 Month individual loans – 3.498%
  • Business Loan – 1.166%
  • Insurance on 3 Month Loan – 0.102%

6. Eazzy Loan

This loan is provided by Equitel, a mobile banking platform launched by Equity last year. The first thing that you need to do is to open an Equity account after which you are eligible to get an Equitel line. Once you get the SIM card just go to the sim toolkit, select my money and thereafter loans. Follow the prompt to be able to get a loan. Being a product designed by a bank, the expectation is that you need to have saved with them for a period of time before they can advance a loan to you.
The Eazzy loan features include; interest rate of 2%-10% per month of the loan amount on a flat rate, the minimum loan amount is Kshs.1,000 and the maximum loan period is 12 months. In case you delay to make a payment you will be charged a fee of 6% per annum above the normal interest rates on the amount outstanding.

7. OKash

OKash is a micro-loan service by Opera. To access the loans, you need to download the app from the Google Play store and apply for the loan from there.
Customers can get loans of between Ksh. 500 and Ksh. 100,000. Their loans attract  14% interest so if you borrow Ksh. 1,500 you will pay Ksh. 1,710 (i.e. with an interest of Ksh. 210). Their repayment period is 14 days.

8. Haraka

Haraka is a micro-loan service by GetBucks, a South African company. To get the loan, you need to download the app from the Google Play Store and apply for the loan from there.
Customers can get loans of between Ksh. 500 and ksh. 5,000. Their loans attract an interest of 23.45% so if you borrow a loan of Ksh. 750 borrowed for a month will attract an interest of Ksh. 175.90 which will make the loan repayment amount to be Ksh. 925.90. The repayment period is between 7-30 days.

9. Timiza

Barclays Bank Kenya has launched a digital banking platform, dubbed Timiza. The platform also offers micro-loans to Kenyans. You can register on the Timiza platform by dialing *848# on your Safaricom line or downloading the app from the Google Play Store.
Customers can get loans of upto Ksh. 150,000. Timiza offers loans of upto Ksh. 150,000 and the loan amount that you get depends on your M-pesa transaction history. The loan amount will be charged an interest of 6.17% (i.e. 5% processing fee and 1.17% interest). The loan is payable in 30 days.

10. Whizz

Housing Finance recently launched a digital banking product called Whizz. You can register by downloading the app on the Google Playstore.
Customers can access loans of upto Ksh. 50,000. The loan amount will be charged an interest of 7.725%. The loan is payable in 30 days.

11.  Loop

Commercial Bank of Africa (CBA) launched their digital banking service Loop in March 2017.  They recently updated it to include loans and overdrafts. To register for a CBA Loop account, you need to download the Android app , iOS app or go to their website cbaloop.com.
Loop customers can access loans of up to Ksh. 3 million and overdraft of upto Ksh. 100,000. Loan repayment period is between 6-36 months. Interest rates will vary depending on the customer.

12. Tala

To use Tala, you have to download their Android app, create an account and answer a few questions that will help them determine whether you qualify for the loan or not. They conduct their risk analysis by checking your Mpesa transaction history.
Once you get your loan you can choose to repay in two installments within a month or pay once at the end of the month. Once the loan has been approved, it will be sent to you via M-pesa.
The interest rate for the loan repayment is 11% and 15% depending on the amount.

13. Safaricom Fuliza

To use, Safaricom Fuliza, you have to sign up on the MySafaricom app and opting in under the Fuliza tab in M-Pesa. You can also sign up via USSD by dialing *243#.
The amounts offered will depend on your M-Pesa usage. Once you get the loan you will be able to use it to pay bills and also buy goods and services.
The charges for the overdraft are a 1% access fee and a maintenance fee on the outstanding balance as per the table below. This means that the sooner you pay for it the better if you don’t want to pay expensive charges.
Amount Charges
0 -100 One-time fee of Ksh 2
101-500 Ksh 5 per day
501-1000 Ksh 10 per day
1001-1500 Ksh 20 per day
1501-2500 Ksh 25 per day
2501-70000 Ksh 30 per day

Wednesday, 30 January 2019

Story of One man trying a hand in music

Who is Ecspedition?
 
|| Vocalist II Lyrics writer ||
|| Music Performer. || Beatbox & Bass Arranger.
|| HypemastersEnt Artist. || @Ecspedition Socialnet || 
 
 
Ecspedition is Kenyan, born [1988,December 18th) Ezekiel Mwangi Karanja,
in the village of Bahati Nakuru county.The name ecspedition comes from expedition
which he gave himself with the intention of talking about his journies of adventure
in life reflected in the music that he was writing.Earlier his friends had named
him KJ ,later kJien Lorenzo a character in the merchant of venice love and poetry
set book in kenyan syllabus.


He is christian bred and also Hails rastafari culture and identifies
with the ashe ites grey.With sleek high pitched
sound of Garnet silk,Sean paul..and smooth delivery which also compares
to that of Luciano.


Ecspedition has gained mileage with the fans of the late Silk or the living
jah messenger.He recorded his first song in 2003 in cassette 'God knows' which
was later re-recorded in 2011 at Vineyard records by Producer Kelly introduced
to him by the veteran sing-jay and kick boxer priest,whom he met through a music
shop-vender called Ras maich.He later decided to go for a new production company
due to the earlier song doing poorly with his an matured delivery skills and
record and mixing issues at the earlier label.


In the year 2012 he relocated permanently in the capital Nairobi and there
found Ras Kago a radio show host for late afternoon reggae classics and introduced
him to his record label .There they made a Gentleman's agreement to record an
album consisting 8 songs and these is where the name expedition first came out
.but due to fast growing internet similar names he decided to change the name to
Ecspedition.
  During a homegrown reggae show in 2013 he met Hypemasters a sound system and record label that he met during the live performance along side artistes like ras Lyon hart ,Donteh,Lyrical
ill, Brucho,Sergio, Badscar. With them he recorded various songs among them 'pretty woman'
'standard procedure''though I never' 'woman nuh complain' 'Hold on' and fairly popular
'police in the streets'. being a studio releases neither of the songs went large either on
downloads or radio considering the hardships of the airwaves being violated by the demand
of PAYOLA by theso called radio cartels..


He later went ahead to curtain raise few local shows for homegrown reggae
one of the most successful being in 2014 where Robbo ranx Zj Heno Selector mickey
jones and the sojourners reggae band were playing and headlining the show too.
In the coming year with little success to music studios not signing him embarked on a solo home studio recording sessions and recorded a single dub album 'Who am i,
worlds mistake' .

During this period hyme=asters came back to him with a riddim that they wanted him to work on and n 2016 he recorded 'things i never had' and later Shot a video.The song was released on world market through Itunes , amazon and Juno downloads to mention but a few.

The year 2017 he went in to promotion of the single and voicing dupblates
for shashamane intl .With live interviews on Y254 tv and perfomance along side artistes like Kago,Donteh,LYrical ill,brucho,Sergio,badscar and among king shiloh black omollo and ras Lyon hart again at homegrown at jukwaa lounge 2018 is looking better while is back again to studio
and market research .

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