EQUITY BANK
YOUTH EMPOWERMENT
THROUGH FINANCIAL INTERMEDIATION
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EQUITY BANK
Our purposeWe exist to transform the lives and livelihoods of our
people socially and economically by availing to them modern, inclusive financial services .
Our VisionTo be the champion of the social-economic prosperity of
the people of Africa
Our mission We offer inclusive, customer focused financial services that
socially and economically empower our clients and other stakeholders
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Equity bank network
Branches in Kenya-160 Branches in Uganda- 38 Branches in South Sudan- 9 Branches in Tanzania -6 Branches in Rwanda-8
Resource Mobilization For effective agriculture production the youth
requires the right resources at the right time. The resource that youth require to produce:-
• Land, capital, lab our etc.• Extension and advisory services.• Market and market information for their products• Availability of quality inputs and service providers• Supporting infrastructure – roads, pack houses,
cooling plants.• Enabling policy environment.
Role of EBL in Youth financial intermediation
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Savings Lending
Investments
Wealth Creation
Inclus
ive
Fina
ncial
Inst
itutio
n
s Fa
cilit
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all p
arts
Our interventions Youth friendly accounts.
Support of youth and growing with them.
Finance in purchase of implements/equipment /tools and other inputs.
Capital investment – Processing plants, collection points, vehicles, etc.
Operating/working capital as required and other needs.
Day to day transactions of proceeds, using reliable ,convenient and cost effective delivery channels.
Market linkages, among others.
Risk mitigation through insurance for Goods in transit and business.
Financial training through our Equity group foundation.
Who is financed under Agriculture sector ?
A Youthful agriculture client therefore could be;
In production: (Small & large scale) / Agriculture producers
Providing access to inputs-Farm inputs suppliers and distributors i.e. seeds, fertilizers & chemicals.
Agriculture business development services providers e.g. consultancy, trainings etc
Market intermediary-agriculture produce buyersDoing value addition- produce processors.Any other agribusiness partner involved in the value
chains e.g. Registered agricultural organization like Community based organizations, Self help groups, Cooperatives, companies e.t.c.
Farming as a business Develop business plans. Complying to regulation and standards. Have updated records. Analyze cost of production with supported
agronomic practices. Yield Projections. Market contracts. Mitigate on risks.
Products for youthful farmers
Kilimo biashara
Kilimo kisasa
Kilimo supa
Farm inputs
Asset finance
Kilimo Biashara Kilimo Biashara started in partnership with
AGRA/IFAD/GOK/MOA then supported by World bank.
Objective is to improving access to inputs for small holder farmers who are involved in all commercial food crop production and agro dealers for an Enhanced Agricultural Productivity.
The beneficiaries of Kilimo Biashara are Small scale food crop farmers and Agro dealers.
Loan Amount: from Kshs.1,000 Security: a mixture of acceptable securities. Loan Repayment: flexible to meet crop cycle
Eligibility Be account holders with Equity Bank. Loan purpose for purchase of inputs. Demonstrate ability to repay. Already be in commercial Production /agribusiness
with experience of 1(one) successful season.
Kilimo biashara Product features
Farm input loan .
Description This is a short term lending to dairy farmers
to assist them meet various needs including farm machinery, tools and any other farm and social development needs.
Key Features• Loan Amount: from Kshs.1,000 . • Security: combination of acceptable
securities
Other Agriculture loan products
Agriculture commercial loan
Description
This is a medium term lending to farmers to assist them meet various needs including farm machinery, tool and any other farm and social development needs
Key Features
• Loan Amount: Above Kshs. 100,000 • Suitable collateral required.
Kilimo kisasa
Is a credit product specially designed to cater for modern agricultural tools and equipments.(it’s a technology product in agriculture)
These will include but not limited to: irrigation equipments, green houses, spraying equipments, milking machines, biogas, water tanks, etc
Key features Contribution of 20% of the cost of project.
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Kilimo Supa Is a credit product specially designed to cater for micro
enterprises dealing in all agriculture related production and agri-business activities.
These will include but not limited to: agro-forestry, Livestock
farming such as poultry, piggery, dairy/beef, apiculture, Aquaculture etc
Trading /agribusiness such as agro vets, A.I service providers value addition, livestock traders, hides and skins traders etc
Kilimo Maendeleo
Target customers Small scale farmers operating remittance accounts with EBL, thus
focusing on contracted tea, dairy and horticultural farmers.
Meant to finance farm developments such building of farm houses, farming expansion and purchase of farm fixed assets.
Eligibility; Remittance account holders with Equity Bank for a minimum period of 3 years or 3 seasons whichever is higher.
Easy ways for youth to access their Accounts
Branches. ATMs. Mobile banking -EAZZY 24/7. POS merchants . Equity Agents . Convergence and Integration of
Telco's and banking. Internet banking.
Serving the youth
POS terminals
Mobile phone
Eazzy24/7
Equity Branch ATMs
Equity Branch
Equity Agency
Customer issued with Debit Cards: which has the following features ;
i.PIN Basedii.EMV compliant.
Farmers Hub Database(MIS)
AB C
D
E
Youth
Customers able to access their account through the channels either using their cards or mobile phones for deposits and other services.
Customers able to access their account through the channels use of cards to access a variety of services.
Customers able access their account through the channels either using their cards or mobile phones they can deposit or withdrawal
Customers able access their account over the counter and engage branch staff for a variety of services.