Real People Kenya

Notice of Meeting of Noteholders to be held on 29th January 2024

Notice of Meeting of Noteholders to be held on 29th January 2024 More than 2 results are available in the PRO version (This notice is only visible to admin users) Recent News Notice of Meeting of Noteholders to be held on 29th January 2024 January 29, 2024 Tribute to Mrs. Elizabeth Ndemo August 24, 2023 Debt – the good, the bad and the ugly October 28, 2020

Tribute to Mrs. Elizabeth Ndemo

Tribute to Mrs. Elizabeth Ndemo More than 2 results are available in the PRO version (This notice is only visible to admin users) Recent News Tribute to Mrs. Elizabeth Ndemo August 24, 2023 NOTEHOLDERS MEETING AND RESOLUTIONS PASSED ON 14TH JULY 2023 July 19, 2023 Rescheduled Notice of the Noteholders meeting July 7, 2023

Debt – the good, the bad and the ugly

Debt – the good, the bad and the ugly More than 2 results are available in the PRO version (This notice is only visible to admin users) Recent News Tribute to Mrs. Elizabeth Ndemo August 24, 2023 NOTEHOLDERS MEETING AND RESOLUTIONS PASSED ON 14TH JULY 2023 July 19, 2023 Rescheduled Notice of the Noteholders meeting July 7, 2023

Protecting your Credit Score during the COVID-19 crisis

Protecting your Credit Score during the COVID-19 crisis More than 2 results are available in the PRO version (This notice is only visible to admin users) Recent News Tribute to Mrs. Elizabeth Ndemo August 24, 2023 NOTEHOLDERS MEETING AND RESOLUTIONS PASSED ON 14TH JULY 2023 July 19, 2023 Rescheduled Notice of the Noteholders meeting July 7, 2023

Our Phoenix Story

Our Phoenix Story More than 2 results are available in the PRO version (This notice is only visible to admin users) Recent News Tribute to Mrs. Elizabeth Ndemo August 24, 2023 NOTEHOLDERS MEETING AND RESOLUTIONS PASSED ON 14TH JULY 2023 July 19, 2023 Rescheduled Notice of the Noteholders meeting July 7, 2023

RELATIONSHIP OFFICER – MOMBASA BRANCH

Exciting Vacancies to be filled Real People Kenya Limited is looking to fill vacancies for Relationship Officer to contribute to the growth of the SME portfolio of the business in the relevant branch and region. The growth will be achieved through increasing the current portfolio of customers with a broader picture of market penetration of Real People as a key financial services provider to SMEs across Kenya. Role Responsibilities: Production / Salesa. Identify business opportunities by identifying prospects and evaluating their position in the industry; researching and analyzing sales options.b. Sell products by establishing contact and developing relationships with prospects; recommending solutionsc. Oversee the sales process at each stage from origination, underwriting, approvals and disbursement to enhance efficiency in line with our turnaround time promise to the customers.d. Prospect new clients via sales calls, direct mail, email and networking eventse. Follow up on leads generated through research and promotional eventsf. Achieve various individual business targets and contribute to the team performanceg. Plan and conducts special sales initiatives and events for prospective and existing clientsh. Identify and qualify leads by cold calling prospective corporate clients with a view to secure a minimum of but not limited to 10 face-to-face new business meetings per week Marketing Prospects leads through;a. Research the latest products and trends.b. Identify product improvements or new products by remaining current on industry trends, market activities, and competitors.c. Maintain professional and technical knowledge by attending educational workshops; reviewing professional publications; establishing personal networks; benchmarking state-of-the-art practices; participating in professional societies.d. Work with the Marketing Department and Sales Opsco to develop and execute SME sales initiativese. Participate in trade shows, conferences, and community events to help promote the Real People corporate brandf. Participate in public relations activities and community events in liaison with the PR Team to ensure that contacts are made and to give all Real People’s products and services as much exposure as possible. Loan Appraisalsa. Conduct client business premises visits;b. Ensure there is a good fit between the customer and the company;c. Analyze and interpret financial statements of the business to access the repayment capacity and financial soundness of the borrowerd. Ensure all key business risks are analyzed;e. Ensure all financial computations are correct and customer meets affordability criteria;f. Ensure all the information and data gathered is consistent and is verified by mandatory physical visits to the client’s business and residence;g. Take proactive measures to ensure credit quality.h. Ensure cash flow and repayment capacity are correct and comparable to other similar businesses;i. Ensure loan structuring fits the business, capacity and project;j. Assess collateral by ensuring correct valuation, physical verification of existence and ownership and ensuring it adequately covers the loan value;k. Assess the guarantor to ensure they meet our affordability criteria through mandatory physical visits to the guarantor’s business and residence;l. Serve as a member of application approval committee, including conducting verification visits to customers’ business premises and homes with Approval Officers. Collectionsa. Submit daily collection reports as and when required;b. Review and follow-up of Arrears Reports for own customer base;c. Conduct collections visits for customers in arrears;d. Collect outstanding deposit slips from customers;e. Hand receipting related queries for customers;f. Assist in handovers for enforcement where necessary; Portfolio Managementa. Perform loan utilization checks within one week after disbursement;b. Responsible for clients’ loan performance by;i. Educating the clients on why they need to repay their loans in the stipulated loan terms andii. By monitoring clients loan performance for any default;c. Identify customer business viability issues and handover to late stage collections where appropriate;d. Review and management of customer portfolio (portfolio size, number of customers, portfolio at risk and arrears total);e. Early monitoring of the customer portfolio by making regular visits to the customers’ business premises, especially during the first three (3) months after disbursement. Customer Service and Relationship Managementa. Maintain relationships with clients by providing support, information, and guidance; researching and recommending new opportunities; recommending profit and service improvementsb. Maintains quality service by establishing and enforcing organization standards.c. Investigate and troubleshoot customer service issuesd. Manage and develop a portfolio of SME customers with an aim to deepen and broaden relationships with our clientse. Ensures high levels of customer service orientation and application of company policyf. Maintains complete relationship record for assigned customer accounts.Minimum Requirementa. A minimum of two (2) year experience in sales in a financialb. Bachelor’s degree in business/Diploma with focus on marketing, Business Administration or related course. Required Behavioral Competencies: a. Integrityb. Ability to work under pressure and meet deadlinesc. Results driven and goal focused/Self Motivatedd. Excellent communication and interpersonal skillse. Communication finessef. Fluent in oral and written English & Kiswahili. Application Criteria We welcome applications from those who combine passion for Real People, SME Financing and deep commitment and proven expertise to help make such a wonderful brand even more compelling for all its stakeholders. Interested candidates should email their CVs and Cover Letters quoting “Ref 12-18 / Relationship Officer – Mombasa Branch” on the Subject line to recruitment@realpeople.co.ke Download the job description here:

Vacancy: CALL CENTER AGENT

Exciting Vacancy to be filled: CALL CENTER AGENT Real People Kenya Limited is looking to fill vacancies for a call center agent, who will be tasked with Initiating outbound telephonic communication with client base in the loan recovery process. Role Responsibilities: Collections Initiating calls to customers to arrange regular payments and payment mechanisms with the customer by Engaging in “Promise to Pay” arrangements with clients in arrears. Ensuring excellent quality of service to customer Update the master sheet accurately and effectively with customer information and call outcome by and when requested by Senior Management. Liaise with the Finance department to confirm payments from clients against the bank or MPESA statement, where the client entered into a P2P with the Call Centre. Helps in arranging for meetings with the operation managers so as to be able to have them clear their arrears. To perform any other functions over and above the ones listed as requested by Senior Management. Customer Service Responsible for conducting Feedback calls. Receives all the product related queries that come through to the Call Centre and channels them to the appropriate persons to assist in addressing the query. Receives complaints from clients and is responsible to channeling them to the call centre manager. To perform any other functions over and above the ones listed as requested by Senior Management. Minimum Requirements 2 years’ previous experience in a Call Center /Collections. A minimum of a Diploma in Business Management or any other related field. Computer Literacy more so in MS Excel. Prior experience in using a Dialer System preferred. Required Behavioral Competencies: Integrity Ability to work under pressure and meet deadlines Results driven and goal focused/Self Motivated Excellent communication and interpersonal skills Communication finesse Fluent in oral and written English & Kiswahili Application Criteria We welcome applications from those who combine passion for Real People, SME Financing and deep commitment and proven expertise to help make such a wonderful brand even more compelling for all its stakeholders. Interested candidates should email their CVs and Cover Letters quoting “Ref 12-18 / Call center Agent” on the Subject line to recruitment@realpeople.co.ke Note: consideration will start immediately we receive applications Download the job description here:  

REAL PEOPLE, THE KENYA INSTITUTE OF MANAGEMENT LAUNCH A YOUTH ENTREPRENEURSHIP AND SCHOLARSHIP PROGRAMME

REAL PEOPLE, THE KENYA INSTITUTE OF MANAGEMENT LAUNCH A YOUTH ENTREPRENEURSHIP AND SCHOLARSHIP PROGRAMME https://www.youtube.com/watch?v=rSpndtbsgyQ Youth entrepreneurship and Scholarship programme to target children homes nationally Real People injects Kshs 5 million to kick start the youth entrepreneurship and Scholarship programme Nairobi, November 17th, 2015: Credit-only micro-finance institution, Real People has today in partnership with the Kenya Institute of Management (KIM) launched a youth entrepreneurship programme and Scholarship targeting the vulnerable from children homes. Dubbed ‘Guardian Scholarship Programme’, the programme which will be administered by KIM and funded by both the Institute and Real People Limited will target needy children, especially those currently enrolled at various children’s homes with the ultimate goal of – provision of Diploma courses, a move that is expected to increase access to education especially to children above the age of 18 years who would have otherwise been left to fend for themselves. Launching the programme, Cabinet Secretary, Ministry of Education, Prof. Jacob Kaimenyi noted: “As a Ministry, we are indeed happy to see contribution by the private sector towards the education sector. The importance of education cannot be over-emphasized. At the individual level, education offers the learners an opportunity to acquire knowledge and skills that are critical to ensuring that people are able to participate competitively in all sectors of life.” According to UNICEF statistics, more than half of newly released orphans after the age of 18 years are recruited to a life of crime or prostitution or life in the streets while 30 per cent become addicted to alcohol and other drugs during their first year of living independently exposing them to risks of STI’s and AIDS epidemic coupled with early pregnancies. “This is a significant milestone in the growth and development of our educational sector in the country. We have so far made a commitment of Kshs 5 million that will go towards kicking off the programme with 33 orphaned children and with KIM’s educational infrastructure, our young ones will get enrolled for a Diploma in Management so as to start businesses and grow our economy,” noted Daniel Ohonde, Chief Executive Officer, Real People East Africa. He added: “The programme is open for all children homes in the country and will have periodic intakes level so as to enable all children have better access to education so as to improve their economic livelihoods.” On his part, Kenya Institute of Management, Managing Director, Dr. David Muturi noted, “We are delighted to be partnering with like-minded organization that equally appreciates that children should get access to basic education so as to reduce the numbers of orphaned children in the streets. We have previously sponsored other leadership programmes and so with this scholarship programme, we will be consolidating all these efforts for maximum benefits.” UNICEF reports further cites that many of these children move in with relatives after the deaths of their parents, are often put to work, denied the opportunity to attend school, and suffer physical abuse. Many run away or are forced out of the house. These children turn to the street or an orphanage for refuge. About Real People Kenya Limited Real People is a credit – only MFI partnering with upper-end micro-enterprises and Small & Medium Enterprises through their growth and development journey.  The organization shares its financial expertise to improve lives through responsible lending. It positions itself as a platform for business growth through long-term sustainability and improvement through wealth creation and is currently the largest non-bank MFI in Kenya. About Kenya Institute of Management KIM is a professional body and a management trainer with 22 branches countrywide. Over and above its membership and training mandate, KIM has been undertaking various programs to build tomorrow’s leaders as a way of giving back to society. The Institute has made a commitment to train two leaders in each of the 47 county governments as a way of enhancing effective devolved governance. This program, which started this year, will run for two years and it is worth KES. 10M. Further, the Institute has been running the Prefects Leadership Program in high schools for the last five years with an aim of building the next generation of leaders. A total of 700 prefects have been trained on effective leadership skills countrywide. We intend to consolidate these efforts under the Guardian Scholarship Program, seek partners and enhance our reach to the vulnerable in our society. For media inquiries, please contact: Elisha Kamau | Hill+Knowlton Strategies | Elisha.Kamau@hkstrategies.co.ke Brenda Jemutai | Real People Kenya Limited | bjemutai@realpeople.co.ke Miriam Chege |The  Kenya Institute of Management |mchege@kim.ac.ke More than 2 results are available in the PRO version (This notice is only visible to admin users) Recent News Tribute to Mrs. Elizabeth Ndemo August 24, 2023 NOTEHOLDERS MEETING AND RESOLUTIONS PASSED ON 14TH JULY 2023 July 19, 2023 Rescheduled Notice of the Noteholders meeting July 7, 2023

REAL PEOPLE KSHS 1.63 BILLION BOND STARTS TRADING ON THE NAIROBI SECURITIES EXCHANGE

REAL PEOPLE KSHS 1.63 BILLION BOND STARTS TRADING ON THE NAIROBI SECURITIES EXCHANG https://www.youtube.com/watch?v=8yJ7bJbXVl0 Nairobi, August 19th, 2015 – Real People’s Kshs. 1.63 billion bond has today started trading at the Nairobi bourse with the proceeds expected to further boost the company’s lending capacity.  The medium term note that was launched in early August 2015 targeting retail, high net worth individuals and institutional investors saw investors take up Kshs 1,363,900,000 in 5 year Fixed Rate Notes and Kshs 270,300,000 in 3 year Fixed Rate Notes . The first tranche under the Kshs 5 billion programme was offered in 3 year and 5 year Fixed Rate Note as per the Information Memorandum approved by the Capital Markets Authority (CMA). “This is a significant milestone as a financial institution. We are happy to be the first credit only financial institution to have successfully gone through the entire bond process and have the Notes listed at the Nairobi Securities Exchange,” noted Daniel Ohonde, Chief Executive Officer, Real People East Africa. He added: “At this stage, we continue to grow and play a big role in the financial sector. We wish to thank CMA, Nairobi Securities Exchange (NSE) and our transactional advisors – NIC Capital for their support throughout the process.” Speaking at the Ceremony, NSE Chief Executive Mr. Geoffrey Odundo congratulated Real People saying that “The high uptake of the Real People Bond from local investors is testament of Kenyans’ confidence in the Real People growth strategy and a clear indication of Kenyan companies great confidence in the fund raising opportunities that our Capital Markets have to offer.We at the Exchange applaud Real People Kenya Limited on the successful listing of their Bond”. Mr. Odundo further elaborated that listing on the bourse enables an institution to improve their liquidity, unlock their value, enhance their company profile, raise their governance standards while maximizing value for their shareholders. He urged corporates to look no further than the Exchange, as they seek to raise capital to fund their various initiatives. The bond process was led by NIC Capital as the transaction advisors, PKF, the reporting accountants, Coulson Harney, as the legal advisors, NIC Bank as the registrar and the receiving bank.  About Real People Kenya Limited Real People is a non-deposit taking financial solutions provider for businesses and homes. At Real People, we target the mass market with a particular interest in the Small and Medium Enterprises sector in South Africa and East Africa (Kenya, Uganda and Tanzania). We started operations in Kenya in 2006 and has over the years expanded to cover other regional countries like Uganda and Tanzania. From its head office in Nairobi, the company serves these markets through a network of branches and satellite offices in Kenya, Uganda and Tanzania. Currently, we have 10 main branches and seven satellite offices in Kenya, three branches in Uganda and two branches in Tanzania.  Our East Africa operations are built on a focused portfolio of businesses. Our services are anchored on the provision of responsible finance solutions to individuals and businesses through tailored products such as Business Finance Loan, Asset Finance Loans, Home Construction Loans and Home Improvement Loans. About The Nairobi Securities Exchange The Nairobi Securities Exchange (NSE) is the principal securities exchange of Kenya. Besides equity securities, the NSE offers a platform for the issuance and trading of debt securities. The NSE is a member of the African Securities Exchanges Association (ASEA) and the East African Securities Exchanges Association (EASEA). It is an affiliate member of the World Federation of Exchanges (WFE),an associate member of the Association of Futures Markets (AFM) and a partner Exchange in the United Nations Sustainable Stock Exchanges Initiative (SSE). More than 2 results are available in the PRO version (This notice is only visible to admin users) Recent News Tribute to Mrs. Elizabeth Ndemo August 24, 2023 NOTEHOLDERS MEETING AND RESOLUTIONS PASSED ON 14TH JULY 2023 July 19, 2023 Rescheduled Notice of the Noteholders meeting July 7, 2023

REAL PEOPLE ISSUES FIRST TRANCHE OF KSHS 2.5B PUBLIC BOND(Video)

REAL PEOPLE ISSUES FIRST TRANCHE OF KSHS 2.5B PUBLIC BOND More than 2 results are available in the PRO version (This notice is only visible to admin users) Recent News Tribute to Mrs. Elizabeth Ndemo August 24, 2023 NOTEHOLDERS MEETING AND RESOLUTIONS PASSED ON 14TH JULY 2023 July 19, 2023 Rescheduled Notice of the Noteholders meeting July 7, 2023