Our Projects


Equity Bank’s vision is to champion the committed social economic prosperity of the people of Africa.

Through our financial intermediation and our Social impact investments, we have continued to support our people in their social economic transformational journey.

In an effort to extend financial services and aid to the most marginalized regions, we   have embarked on a range of partnerships. The following are some of the programmes we have been involved in and their impact.

Our Programmes

We have partnered with the Government of Kenya, to operationalize social protection programmes, social insurance schemes and safety net programmes to vulnerable groups such as children (especially orphans and vulnerable children).

We are permanent service providers on 2 major cash transfer programmes; The Cash Transfer for Orphans and Vulnerable Children (CT - OVC) and The Hunger Safety Net Programme (HSNP).

Both these programmes aim to improve the welfare of poor households caring for orphans and vulnerable children and reducing poverty among the poorest segments of society by providing cash payments.

Hunger Safety Net Program

The Hunger Safety Net Programme (HSNP): The HSNP aims to reduce poverty in the drought-prone arid and semi-arid regions of northern Kenya by delivering regular cash transfers to extremely poor households in four counties.

Through Equity Bank, Hunger Safety Net Programme (HSNP) Phase 1 provided cash transfers to 68,624 recipients across Turkana, Marsabit, Wajir and Mandera districts between 2009 and 2013. The project transacted bi monthly cash transfers of Sh4, 600 per beneficiary.

Hunger Safety Net Programme (HSNP) was an unconditional cash transfer programme targeted at the chronically food insecure areas of Northern Kenya. Its goal was to reduce hunger and extreme poverty in Northern Kenya. The purpose was to support the establishment of a government-led national social protection system delivering long-term, guaranteed cash transfers to the poorest and most vulnerable Kenyan households (10% of the population).

The project was in two phases. The principal objective of Phase 1 was to implement a cash transfer programme in the arid and semi-arid land (ASAL) districts of Northern Kenya, making regular cash transfers to 68,624 households every 2 months for 3 years. Phase 2 aims to roll out the Hunger Safety Net Programme (HSNP) under a national social protection system addressing the needs of 1.5 million Kenyans, with Government of Kenya (GoK) and donor funding.

Our Contribution

We made use of branchless banking which ensures deepening of access to financial services for residents in the marginalized areas of North Eastern Kenya. In the Agency model, the Bank uses a combination, ATM card, Hunger Safety Net Programme, Cash in/out services to local clients and of M-banking (Eazzy 24/7).

In this case, Biometric Point of Sale (PoS) technology was used where clients can easily be identified simply by use of their fingerprints. Equity Bank has contracted several retail outlets/vendors/ third-party agents countrywide to facilitate transactions to our clients. Agents are business retail outlets contracted under the Agency model to conduct business on behalf of the bank.

The transaction begins with the customer waiting a designated agent, with the Smart card for use at the POS. The card is then inserted into the card reader Point of Sale (PoS) device and scans the client finger for Biometric authentication. The client enters amount required for cash withdrawal and chooses ‘option to withdraw cash’. A response is obtained and sent to the Point of Sale (PoS) – which prints out the transaction receipt.

The customer picks his/her money. The project uses Hunger Safety Net Programme technology supported by Biometric identification & Verification, biometric enrolment, GSM/GPRS connection and Smart Card.

Who We Help


Number of Beneficiaries households

68,624 households or 420,000 individuals

Areas covered by Program

Turkana, Mandera, Marsabit, Wajir

Amount of Cash Transfer

Year 1:  2009  Amount         KES  2,150.00  

Year 2:  2010  Amount         KES  3,000.00  

Year 3:  2011   Amount        KES  3,500.00    

Year 4-5: 2012/13  Amount   KES 4,600.00    

Total HSNP I (including 2 bonus cycles paid to 50,000 exiting beneficiary households)

KES 4.79 Billion 


Number of Beneficiary households

100,000 households on regular cash transfer

274,000 households on emergency intervention scaleup

Areas covered by Program

Turkana, Mandera, Marsabit, Wajir counties

Amount of Cash Transfer Per Year

Year 1:  2014  Amount     KES  4,600.00

Year 2:  2015  Amount     KES  4,900.00

Year 3:  2016  Amount     KES  5,100.00 

Year 4:  2017  Amount     KES  5,400.00 

Total Cash Transfer Value

Program Budget      KES   11.46 Billion

Paid to date             KES     7 Billion      

Our Reach

Turkana, Marsabit, Wajir and Mandera Counties

Orphans And Vulnerable Children Project

OVC is a partnership between World Bank and the Kenyan Government to provide bi-monthly cash transfers to 57,246 orphaned and vulnerable households in 47 Counties in Kenya using state-of-the-art biometric technology supported Smart Cards and a network of Agents with points-of-sale terminals. The smart card holds biometric details of the caregiver and an appointed secondary recipient where necessary.

The overall objective of the Program is to provide a social protection system through regular and predictable cash transfers to households living with OVC in order to encourage fostering and retention of OVC within their families and communities and to promote their human capital development.

Our Contribution

Equity Bank staff implemented the payments program, targeting extremely poor households caring for Orphans and Vulnerable Children (OVC). The program the affords education; to increase school enrolment, attendance and retention in selected households with OVC; enhances health and reducing mortality rates and morbidity among 0 to 5 year old children, through immunizations; creating food security while promoting household nutrition and food security by providing regular and predictable income support in selected households with OVCs.

The program promotes civil registration of OVC caregivers to obtain identity cards for them and birth certificates for the children living within their households, thereby enrolling them within the government and related partners initiative permitting for Payments to recipients are being made every two months.

Our Reach

Under the previous agreement KES.4.4 B was paid out to 57,053 households across 21 cycles from April 2012 to June 2016 in 19 Counties. Due to exemplary performance by the Bank in this assignment, the Government has extended the contract towards continuation of cash transfer to existing beneficiaries.

The Government has further scaled up and on boarded another 100,000 households to the Bank’s platform. This will see the Bank benefit from continued payments to existing as well as the additional beneficiaries.


Hunger Safety Net Programme


The Hunger Safety Net Programme (HSNP): The HSNP aims to reduce poverty in the drought-prone arid and semi-arid regions of northern Kenya by delivering regular cash transfers to extremely poor households in four counties.

Hunger Safety Net Programme- Changing Lives


The Hunger Safety Net Programme (HSNP): The HSNP aims to reduce poverty in the drought-prone arid and semi-arid regions of northern Kenya by delivering regular cash transfers to extremely poor households in four counties.

Seasonal Cash For Assets


A shift from food aid to cash payments has opened up arid areas in Kenya to modern money transfer systems. The World Food Programme introduced a programme known as Seasonal Cash for Assets as an alternative to food aid with beneficiaries receiving cash in return for work done to build assets aimed at improving their food security. See how this innovative technologies work in the areas where Equity Banking Agents have become the cash transfer intermediaries.

The cash for assets (Coast and Eastern provinces) and unconditional cash transfer (Rift Valley and Eastern including cash-lite pilot in Merti and Refugees Fresh Food Vouchers in Dadaab) program was implemented by WFP targeting 200,000 most vulnerable households.