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PROMOTING MSME
FORMALIZATION THROUGH THE
COOPERATIVE ENTERPRISE MODEL
WORKSHOP
March 2021
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INTRODUCTION
Msme Business Profiles
• Number of MSMEs: There are 7.4 million MSMEs in Kenya; 1.5 million of these businesses are licensed by the 47 county governments and about 5.9 million are unlicensed. (...) IPC - Internationale Projekt Consult GmbH
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IMPORTANCE OF STRONG MSMEs ENTITIES IN KENYA
• Development of strong local economies
• Job creation and Social Stability
• Help Country achieve Big 4 Agenda
• Mitigating imbalance in the balance of payment accounts through its export promotion.
• Assist in distribution of income and wealth.
• Innovation and Risk Taking
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EQUITY’S POSITION
EQUITY’S ASSETS QUALITY
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Digital
• Digital Is King-Accelerating Digital Adoption
Restructure
• Introduce new experiences for distressed customers I.e. (...) G.o.K ,MCF,IFC,KNCCI,MSEA
Ecosystem
• Entrenching of Ecosystem in the banking
Payments
• Accelerate the omnichannel(multiple ways for customers to transact) business model, which has become essential rather than optional)
Relationship
• Realign RMs to match new market conditions(Emerging Markets/Relationships)Adaptive
• Need to be adaptive-New Normal in Business Banking
EQUITY’S APPROACH TO SMEs NEEDS
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ASSET FINANCE
❑MOTOR VEHICLE & EQUIPMENT FINANCING- GENERAL-Up to 72 Months
❑INSURANCE PREMIUM FINANCE (IPF)-Up to 10 Months
❑POST IMPORT FINANCE (IBAF/ LOCAL LCS-Tenure of LCs
WORKING CAPITAL
❑BUSINESS LOAN-Up to 36 Months
❑STOCK LOAN-Up to 12 Months(Within Ecosystem)
❑OVERDRAFT-Up to 12 Months
MORTGAGE
❑RESIDENTIAL MORTGAGES-Up to 15 years
❑COMMERCIAL MORTGAGE-Up to 10 Years
❑PLOT PURCHASE-Up to 5 Years
❑PROJECT FINANCE-Up to 10 Years
❑EQUITY RELEASE –CAPEX- Up to 10 Years
Financing SMEs the Equity Way- Product Offering
LOANS
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PRODUCT OFFERING
TRADE FINANCE
Bank undertakings Secured lending to
Customer
Bank handles documents
for payments on customer
behalf
Trade Finance Products
Letters of Credit or
Documentary Credits
Pre shipment Finance
Post Import Finance
Commodity Finance
LPO Finance Documentary Collections
Foreign Demand Drafts
Guarantees or Bonds Clean Collections
Avalising
(Co-Acceptance)
Bank gives value based on
sales Instruments
Invoice Discounting
Bills Discounting
Foreign Bills Discounting
Structured Trade Finance
NON FUNDED FUNDED PAYMENT
(COLLECTIONS)
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Payment Solutions & Platforms
OTC Agency ATM Cards Mobile Internet mPoS /-Po Pay-With-Equity/
(Branch) (Debit/Prepaid/Credit) (USSD/STK/App)(EazzyNet/EazzyBiz) (EazzyPay/ Mpesa Till settlements)
Payment Platforms
PRODUCT OFFERING
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OTHER PRODUCTS
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Supporting SMEs during Covid-19
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Thank you
Language:English
Score: 1080677.5
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https://sdgs.un.org/sites/defa...20Director%20Equity%20Bank.pdf
Data Source: un
INDICATORS OF SUSTAINABLE DEVELOPMENT IN THE UK : INVITED PAPER / SUBMITTED BY THE DEPARTMENT FOR ENVIRONMENT, FOOD AND RURAL AFFAIRS, UNITED KINGDOM
THE 2ND GENERATION INDICATORS: HEADLINE INDICATORS AND “QUALITY
OF LIFE COUNTS”
23. (...) Information on all 15 headline indicators was condensed on to two sides of A4 paper. (...) One of the exceptions to this was the headline indicator
on populations of wild birds.
Language:English
Score: 1069090.3
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daccess-ods.un.org/acce...get?open&DS=CES/2005/26&Lang=E
Data Source: ods
ENVIRONMENTAL INDICATORS : NOTE / BY THE SECRETARIAT
These headline indicators should be based on the existing
OECD and European Union (EU) headline indictors, while recognizing critical social, economic and
environmental diversities in countries in transition. (...) Some 10
environmental headline indicators extracted from the core set will be published in May 2001.
2. (...) EEA has recently
presented, jointly with the European Commission, a set of headline indicators to EU member States
covering 10 environmental issues.
Language:English
Score: 1035513.3
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daccess-ods.un.org/acce...pen&DS=CEP/AC.10/2001/7&Lang=E
Data Source: ods
EDITORIAL COMMENTS TO MARGINALS ANNEX B [ADR] / TRANSMITTED BY THE EUROPEAN INDUSTRIAL GASES ASSOCIATION (EIGA)
Marginal 211 209 , headline:
“.... (use of tanks, elements of battery-vehicles)...”
(...) ”
- Appendix B.1b)
Headline:
“...., tank-containers and multiple-element tank containers”.
Marginal 212 099, headline:
“... (use of tank-containers and multiple-element tank-containers)...”
Language:English
Score: 1030947.6
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daccess-ods.un.org/acce...TRANS/WP.15/AC.1/1998/9&Lang=E
Data Source: ods
PROPOSAL FOR SUPPLEMENT 4 TO THE 01 SERIES OF AMENDMENTS TO REGULATION NO. 55 (MECHANICAL COUPLINGS)
Paragraph 4.3., Table 7, amend the headline to read "Minimum characteristic values for
standard drawbar eyes".
Paragraph 4.4.4., Table 9, amend the headline to read "Minimum characteristic values for
Class L toroidal drawbar eyes".
Paragraph 10.1.1., Table 13, amend the headline to read "Minimum characteristic values
for Class K hook type couplings".
Language:English
Score: 1019222.7
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daccess-ods.un.org/acce...=ECE/TRANS/WP.29/2015/7&Lang=E
Data Source: ods
REGULATION NO. 55 - REVISION 1 - AMENDMENT 4
Paragraph 4.3., Table 7, amend the headline to read "Minimum characteristic values for
standard drawbar eyes".
Paragraph 4.4.4., Table 9, amend the headline to read "Minimum characteristic values for
Class L toroidal drawbar eyes".
Paragraph 10.1.1., Table 13, amend the headline to read "Minimum characteristic values
for Class K hook type couplings".
Language:English
Score: 1017775.8
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daccess-ods.un.org/acce....1/ADD.54/REV.1/AMEND.4&Lang=E
Data Source: ods
INDICATORS OF GENDER EQUALITY
An essential feature of this set of indicators is the hierarchy of headline and
supporting indicators. The headline indicators cover the most essential aspects. (...) Headline indicators are numbered using the convention that the first number
represents the domain to which the indicator relates, and the second number is the number
of the headline indicator, so that indicator 1.3 is the third headline indicator in the first
domain (Poverty).
20. (...) A/67/61–E/2012/3.
6
Where a supporting indicator exists without reference to a headline indicator, it is numbered
corresponding to a “dummy” headline indicator.
Language:English
Score: 1014691.3
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daccess-ods.un.org/acce...?open&DS=ECE/CES/2014/4&Lang=E
Data Source: ods
INDICATORS OF GENDER EQUALITY
An essential feature of this set of indicators is the hierarchy of headline and
supporting indicators. The headline indicators cover the most essential aspects. (...) Headline indicators are numbered using the convention that the first number
represents the domain to which the indicator relates, and the second number is the number
of the headline indicator, so that indicator 1.3 is the third headline indicator in the first
domain (Poverty).
20. (...) A/67/61–E/2012/3.
6
Where a supporting indicator exists without reference to a headline indicator, it is numbered
corresponding to a “dummy” headline indicator.
Language:English
Score: 1014691.3
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daccess-ods.un.org/acce...DS=ECE/CES/GE.30/2014/6&Lang=E
Data Source: ods
PROPOSAL FOR SUPPLEMENT 4 TO THE 01 SERIES OF AMENDMENTS TO REGULATION NO. 55 (MECHANICAL COUPLINGS)
Devices for remote indication and remote control are permitted only on
automatic drawbar couplings and automatic fifth wheel couplings
coupling devices of Classes C50-X and G50-X."
Headline of Table 3, amend to read:
"Minimum characteristic values for standard flange type ball couplings.
Legend of Table 3, delete the word "maximum".
Headline of Table 5, amend to read:
"Minimum characteristic values for standard drawbar couplings"
ECE/TRANS/WP.29/GRRF/2014/28
3
Legend of Table 5, delete the word "maximum".
Headline of Table 7, amend to read:
"Minimum characteristic values for standard drawbar eyes"
Headline of Table 9, amend to read
"Minimum characteristic values for Class L toroidal drawbar eyes"
Headline of Table 13, amend to read
"Minimum characteristic values for Class K hook type couplings"
Annex 6,
Paragraph 3.5.3., for "0.25" read "0.6".
Language:English
Score: 1006346.9
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daccess-ods.un.org/acce...RANS/WP.29/GRRF/2014/28&Lang=E
Data Source: ods
SUPPL. 4 TO 01 SERIES OF AMEND. TO REG. NO. 55
Devices for remote indication and remote control are permitted only on
automatic drawbar couplings and automatic fifth wheel couplings
coupling devices of Classes C50-X and G50-X."
Headline of Table 3, amend to read:
"Minimum characteristic values for standard flange type ball couplings.
Legend of Table 3, delete the word "maximum".
Headline of Table 5, amend to read:
"Minimum characteristic values for standard drawbar couplings"
Legend of Table 5, delete the word "maximum".
Headline of Table 7, amend to read:
"Minimum characteristic values for standard drawbar eyes"
Headline of Table 9, amend to read
"Minimum characteristic values for Class L toroidal drawbar eyes"
Headline of Table 13, amend to read
ECE/TRANS/WP.29/GRRF/2014/14
3
"Minimum characteristic values for Class K hook type couplings"
Annex 6,
Paragraph 3.5.3., for "0.25" read "0.6".
Language:English
Score: 1003529.6
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daccess-ods.un.org/acce...RANS/WP.29/GRRF/2014/14&Lang=E
Data Source: ods
