Business Banking

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1. Group Loans

K-Rep’s micro credit portfolio consists of three types of group loans:-

  • Juhudi
    Made of groups of 3-8 individuals – both men and women who K-Rep forms into one big group.
  • Chikola
    Made of voluntarily formed groups of on average 20 members
  • Kati-Kati
    Made of groups 5-10 existing clients who have outgrown the above two groups

2. Government Sponsored Program



ASSET FINANCE
Open to individuals/Sacco/Institutions
Features

  •    Facility available for purchase of Motor Vehicles, Office Equipment, Farm Machinery Manufacturing Machines, Trucks among others.
  •    finance up to 80% of the cost of the asset to be acquired with the customer funding the balance
  •    Repayment period up to 48 months.

 
BENEFITS

  •   Asset acquired forms the security.
  •   Variable interests rates charged based on the tenor and risk profile of the customer.
  •   Competitive Interest offered
  •   flexible repayment period
  •   Enable customer acquire assets at time of need and the asset  used to improve performance of business and generate cash flows for its purchase.

 


CONSTRUCTION FINANCING
Open to individuals/Sacco/Institutions and companies
FEATURES

  •   Facility available for purchase of land and construction of residential or commercial premises.
  •   Finance up to 80% of the cost of the asset to be acquired with the customer funding the balance
  •   Repayment period up to 48 months.

BENEFITS 

  •   Land acquired forms the security.
  •   Variable interests rates charged based on the tenor and risk profile of the customer.
  •   Competitive Interest offered
  •   flexible repayment period
  •   Enable customer acquire land and build.

 

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