Overview SMEP Microfinance Bank began its journey in 1975 as a relief initiative under the National Council of Churches of Kenya (NCCK) to support vulnerable children in Mathare Valley. It evolved into a full-fledged microfinance institution and was licensed in December 2010 as a deposit-taking microfinance bank. In 2012, SMEP became the first microfinance institution in Africa to offer Visa debit cards.
Its head office is located along Kirichwa Road, off Argwings Kodhek Road in Nairobi, with a growing network of over 18 branches countrywide.
SMEP Microfinance Bank Loan Products
1. Personal Loans These are tailored to meet individual financial needs such as medical expenses, education costs, home renovations, car purchases, and debt consolidation.
2. Consumer Loans These include a range of specialized loans:
- Rembesha Nyumba: For household items like TVs, refrigerators, and furniture
- Maji Ni Uhai: For purchasing water tanks
- Angaza Nyumba: For solar power solutions
- Elimu Loan: To cover school fees
- Sherehekea Loan: Offered during festive seasons
Key Features:
- Direct payment to suppliers (e.g., schools, supermarkets)
- No extra banker’s cheque fees
- Clients must have repaid at least 50% of their current business loan
- Group must not have overdue loans
3. Asset Financing Provides financing for the acquisition of motor vehicles, capital equipment, and fleet expansion.
4. Agribusiness Loans SMEP offers tailored solutions to empower farmers and agribusinesses:
- Dairy Farming Loan: For purchasing quality dairy cows
- Input Financing: For buying seeds, fertilizers, and agrochemicals
- Agro-dealer Loans: For stocking and business operations
- Livestock Financing: For acquiring quality breeds and farming equipment
- Agricultural Asset Financing: For acquiring machinery like tractors and milking machines
- Greenhouse Financing: For greenhouse structures, inputs, and irrigation kits
5. Business Loans These loans help entrepreneurs and SMEs manage cash flow and grow their businesses. Loan amounts start from Ksh 20,000.
6. Check-off Loans Available to employees of institutions that have partnerships with SMEP. These loans range from Ksh 50,000 to Ksh 1,000,000 with repayment terms of up to 72 months.
List of SMEP Microfinance Bank Branches in Kenya (2025)
| No. | Branch Name | Location | Contact |
|---|---|---|---|
| 1 | Head Office | Kirichwa Rd, off Argwings Kodhek Rd, Nairobi | 0711 606900 / 020 2673327 |
| 2 | Nairobi Central | Tumaini House, Moi Avenue | 020 2147760 / 0711 606900 |
| 3 | Kawangware | Bora Bora Building, Gitanga Rd | 0711 606900 |
| 4 | Mwiki | Blessed Limuru House, next to Kassmart | 0711 606900 |
| 5 | Kitengela | Capital Centre, Namanga Rd, 2nd Floor | 0711 606900 |
| 6 | Thika | Wangu House, Uhuru St, opposite Thika Chemist | 0711 606900 |
| 7 | Rongai | Great Wide Mall, Magadi Rd, opposite Tuskys | 0711 606900 |
| 8 | Eldoret | Kibogy House, Oginga Odinga St | 0711 606900 |
| 9 | Embu | Mugo Gatungo Building, opposite Post Office | 0711 606900 |
| 10 | Kilifi | Arcade Plaza, Market Street | 0711 606900 |
| 11 | Kakamega | ACK Compound, opposite Muliro Gardens | 0711 606900 |
| 12 | Kisumu | Guilders Plaza, Odera Street | 0711 606900 |
| 13 | Maua | MCK Nyambene Building, next to Maua Methodist Hospital | 0711 606900 |
| 14 | Meru | Karaini House, Moi Avenue | 0711 606900 |
| 15 | Mwea | Karaini House, Moi Avenue | 0711 606900 |
| 16 | Mombasa | Pan African Building, Moi Avenue | 0711 606900 |
| 17 | Nakuru | Ereto Plaza, Mburu Gichua Rd, 1st Floor | 0711 606900 |
| 18 | Nyahururu | Tekelezo Bizz Centre | 0711 606900 |
| 19 | Taveta | Amal Plaza | 0711 606900 |
Contact SMEP Microfinance Bank
- Main Line: 0711 606900
- Email/Website: [Update as needed based on current contact details]
For more information on products or branch services, visit the nearest SMEP Microfinance Bank branch or reach out via the contact numbers above.
READ MORE:LOLC Kenya Microfinance Bank Branches and Financial Products
