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How to Deposit Money to CBA via Mpesa

Commercial Bank of Africa’s (CBA) Lipa na M-Pesa paybill number is 880100

The Procedure for depositing money via M-Pesa to your CBAaccount is as follows

  1. Go to M-Pesa menu on your phone, select “Lipa na M-Pesa
  2. Select “Paybill
  3. Select “Enter business no.” and enter the 880100 as the CBA business no and press “OK”
  4. Enter the CBA account number you are transferring money to and press “OK”
  5. Enter amount i.e. amount you want to deposit and press “OK”
  6. Enter your M-PESA PIN and press “OK”
  7. Confirm all the details are correct and press “OK”
  8. You will receive a verification window from M-Pesa where you have 1 minute to verify that the details are correct, if correct, dismiss or ignore, if wrong, enter the number 1 and press OK to cancel the transaction
  9. You will receive a confirmation SMS from M-Pesa immediately.
  10. CBA will then send you a confirmation SMS shortly.

 

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How to Deposit Money to KCB via Mpesa

Kenya Commercial Bank’s Lipa na M-Pesa paybill number is 522522Their mobile banking service is dubbed KCB Mobi Bank.

The Procedure for depositing money via M-Pesa to your KCB account is as follows

  1. Go to M-Pesa menu on your phone, select “Lipa na M-Pesa
  2. Select “Paybill
  3. Select “Enter business no.” and enter the 522522 as the business no and press “OK”
  4. Enter the KCB account number you are transferring money to and press “OK”
  5. Enter amount i.e. amount you want to deposit and press “OK”
  6. Enter your M-PESA PIN and press “OK”
  7. Confirm all the details are correct and press “OK”
  8. You will receive a verification window from M-Pesa where you have 1 minute to verify that the details are correct, if correct, dismiss or ignore, if wrong, enter the number 1 and press OK to cancel the transaction
  9. You will receive a confirmation SMS from M-Pesa immediately.
  10. KCB will then send you a confirmation SMS shortly.
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What is Eazzy 247?

Eazzy 247 is a mobile banking service by the Equity Bank of Kenya that allows you to access on your bank account using your mobile phone. It is available through Safaricom, Orange, YU and Airtel, making it easy for you to transact anywhere, anytime.

The mobile banking services has the following features

  1. Airtime Top-up: Top up your own account, another person’s account in Equity or in another bank or request for emergency airtime.
  2. Funds Transfer: Transfer money to your own account, another person’s account, to a mobile number or make your loan payments.
  3. Cash Withdrawal: Withdraw cash through the ATM or at Equity Agent outlets.
  4. Goods Payment: Pay for goods directly from your account at branded outlets.
  5. Balance Enquiry: Check your account balance anytime.
  6. Bill Payment: Pay your electricity, water, HELB or DStv bills anytime.
  7. Loan Repayment: Request for a loan or an overdraft, enquire on your loan status and make payments through your phone.
  8. Requests and Alerts: Request for your statement, cheque book, information on forex rates and stock prices.  Alert the bank to stop your card or cheque. Receive transaction alerts every time you use your account.
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How to Deposit Money into Equity Bank account with M-Pesa

Equity Bank of Kenya’s  Lipa na M-Pesa paybill number is 247247. Their mobile banking service is dubbed Eazzy 247 thus the paybill number 247247.

The Procedure for depositing money via M-Pesa to your Equity Bank of Kenya account is as follows

  1. Go to M-Pesa menu on your phone, select “Lipa na M-Pesa
  2. Select “Paybill
  3. Select “Enter business no.” and enter the 247247 as the business no and press “OK”
  4. Select “Enter account no” i.e. Equity Bank account number (e.g. 0100 xxxx xxxx) and press “OK”
  5. Enter amount i.e. amount you want to deposit and press “OK”
  6. Enter your M-PESA PIN and press “OK”
  7. Confirm all the details are correct and press “OK”
  8. You will receive a verification window from M-Pesa where you have 1 minute to verify that the details are correct, if correct, dismiss or ignore, if wrong, enter the number 1 and press OK to cancel the transaction
  9. You will receive a confirmation SMS from M-Pesa immediately.
  10. Equity Bank will then send you a confirmation SMS shortly.

 

What Is SEO / Search Engine Optimization?

Search Engine Optimization (SEO) is strategies, techniques and tactics to increase the number of visitors to a website by obtaining a high-ranking placement in search results.

Don’t just stop at getting a website done. SEO adds value to a website once the design and development have been taken care of.

Ask your designer or developer for SEO services. If they don’t offer, browse the internet for local experts on SEO.

Search engine optimization is often about making small modifications to parts of your website. When viewed individually, these changes might seem like incremental improvements, but when combined with other optimizations, they could have a noticeable impact on your site’s user experience and performance in organic search results.

Why Kenyan Businesses Should not Ignore AGPO

business opportunities

1. One will be able to participate in the 30 percent of government tenders that have been set aside for youth, women and persons with disability through AGPO.
2. Accessibility to credit/loan facilities namely LPO/LSO financing from the Youth Enterprise Development fund.
3. A participant in a tender will be excluded from the requirement to get a bid bond and will instead fill in and sign a tender securing declaration form.
4. Where delay of payments for works performed are likely to happen, a procuring entity may facilitate invoice discounting arrangements with a financial institution for the purpose of advancing credit to the affected enterprises.

 

How did AGPO come about?

In February 2012, His Excellency the Retired President, Hon. Mwai Kibaki directed that 10% of all Government contracts be earmarked and awarded to the youth. The Policy directive was informed by the Government’s realization that in order to meaningfully address the issue of youth unemployment. It is necessary to give them opportunities to participate in government contracts and tenders.

In 2013,His Excellency the President Uhuru Kenyatta, pledged that the procurement rules would be amended to allow 30 per cent of contracts to be given to the youth, women and persons with disability without competition from established firms. His Excellency the President directed that the issue of 30 per cent allocation of all Government procurement to the youth should be adhered to, warning those who will fail to effect the directive will be sacked.

Access to Government Procurement Opportunities in Kenya

For every startup business that intends to pursue government opportunities, the AGPO program that is the avenue for government tenders and opportunities is a must join.

The Presidential Directive on the women, the youth and persons with disabilities access to 30% of government procurement opportunities is been implemented within the context of a program called AGPO (Access to Government Procurement Opportunities) which was officially launched by His Excellency the President, Uhuru Kenyatta, on October 16th, 2013 in Nairobi County.
The Access to Government Procurement Opportunities (AGPO) program is founded on the Presidential Directive, the Preference and Reservations Regulations 2011, the Public Procurement And Disposal (Preference And Reservations) (Amendment) Regulations, 2013, the Constitution of Kenya 2010 Article 227 on the fair equitable, transparent and cost-effective public procurement of goods and services, the Constitution of Kenya 2010 Article 55 on affirmative action, the Public Procurement and Disposal Act, 2005, and the Public Procurement and Disposal Regulations, 2006.

What is the aim of the Access to Government Procurement Opportunities (AGPO) Program?
The aim of the AGPO Program is to facilitate the enterprises owned by women, youth and persons with disability to be able to participate in government procurement. This will be made possible through the implementation of the Presidential Directive that 30% of government procurement opportunities be set aside specifically for enterprises owned by women, youth and persons with disability. It is affirmative action program aimed at empowering women, youth and persons with disability by giving them more opportunities to do business with Government.

How to get access to Kenyan Government Tenders

Step 1 – Register a business enterprise at the Attorney General’s Office in the form of a sole proprietorship business, partnership business, limited company or a co-operative. The enterprise owned by youth, women or persons with disabilities shall be a legal entity that—
(a) is registered with the relevant government body; and
(b) has at least seventy percent membership of youth, women or persons with disabilities and the leadership shall be one hundred percent youth, women and persons with disability, respectively.
Step 2 – If business is a partnership, get a partnership deed from a lawyer, if it is a limited company a CR12 from the registrar of business names and for a co-operative, its constitution and membership.
Step 3 – Acquire a PIN and tax compliance/ tax exemption certificate from the Kenya Revenue Authority website or offices.
Step 4 – Acquire all required certifications from professional bodies and authorities such as National Construction Authority, Insurance Regulatory Authority, ICPAK, LSK, National Council for Persons with Disability, NEMA, ERC and all other authorized bodies.
Step 5 – Open a bank account for the business and acquire a bank reference from the bank.
Step 6 – Access the website www.agpo.go.ke and register online or visit your county government headquarters and register there.

How to apply online for AGPO Certificate

Step 1: Log into www.agpo.go.ke and click on register.

Step 2: Create account by filling in personal details, email address and by setting password. Once this is complete, an activation link is sent to your email account.

Step 3: Open your email and check for the activation email in the inbox or spam .Activate your AGPO account by clicking on the link sent to your email address.

Step 4: Log into the AGPO system under returning user Page using email address and the password you had set in step 2 above.

Step 5: Register business by providing information in the required fields and attach the required scanned documents.

Procedures for seeking a Tax Compliance Certificate in Kenya

The following procedures should be observed by the taxpayers seeking TCC.

  • Application for a Tax Compliance Certificate shall be on the prescribed form “Tax Compliance Certificate Application Form” (Form TCC1). This can be downloaded from KRA website (at http:/www.kra.go.ke) or obtained from the nearest Domestic Taxes Department Station.
  • The completed TCC Application form should contain the correct Personal Identification Number (PIN). In case of limited liability companies and partnerships, the names and PIN of the Directors or Partners as the case may be, shall also be provided.
  • The completed Application Form should be submitted to the KRA station where the applicant is registered for tax purposes. An applicant who may not be conversant with his/her domicile station should seek assistance from the nearest Domestic Taxes Department Station.
  • The applicant shall ensure that all self assessment returns for tax obligations registered for are submitted and all outstanding tax liabilities settled. The same applies to directors or partners in case the applicant is a Limited Liability Company or Partnership.
  • An application should be submitted at least thirty (30) days before the intended date of use.
  • The TCCs are system generated and signed by the Station Manager, the Deputy Station Manager or the Compliance Programme Manager.