M-Shwari, KCB, etc. Escalade Synonym, Our main focus today is instant Safaricom M-Pesa loans in Kenya. You can access Ksh 500 to Ksh 5,000, with a repayment tenure of 30 days. Tala formerly Mkopo Rahisi research on Tala app loan in Kenya. Lets now discuss the various instant Safaricom M-Pesa loans below in detail. The M-Shwari loan is the most easily accessible mobile loan in Kenya. They often hinder instant loans when you do not have an M-Pesa account. All you need to access this loan is to be an active M-Pesa user for the past 6 months. To apply for loans from M-Pesa platform, follow the procedure: The eligibility needed for online M-Pesa loans include: However, In the event that you do not repay your M-Pesa loan on the due date, you will be liable to pay a late penalty fee on the amount. Therefore if you already have an existing M-Pesa Fanikiwa loan, you are not eligible for another one. Safaricom has identified this and recently partnered with Gulf African bank limited to launch Halal Pesa. SUBSCRIBE TO KENYAN FOOD RECIPES, ITS FREE SUBSCRIBE. Simon Mwangi is a finance expert and talented freelance writer with a background in banking and accounting. Enter the amount you would like to borrow 8. Select Eazzy loan 6. Even better, Tala is one of the few loan apps in Kenya that lends without a registration fee. You can deposit and withdraw through the services. Imperial Knight Heads, For you to access an instant online M-Pesa loans you should have an M-Pesa account. Note: You can access online M-pesa loans directly on the lenders website by downloading the app on your phone. Click on the New Teacher registration module. For this initial pilot phase, the people eligible for this loan facility have been handpicked by Safaricom. Below are Tala loan eligibility requirements: Here are the steps for applying for Tala emergency loans: Barclays Timiza is one of the lenders with the best offers and rates in Kenya. Sc Congressional District 1, It is the most preferred platform for making quick online M-Pesa loan payment in Kenya. This is why . The Fanikiwa Loan Fund will invest in start-ups and small businesses that work collaboratively with start-ups or small businesses based in Rwanda that propos. Tap on it to get started with the registration process. Therefore, this trial loan facility is slightly cheaper than M-Shwari and KCB M-Pesa. For payment into Deposit, Enter your Member No followed by the alphabet D , e.g. M-TIBA Brand Chapa Dimba na Safaricom Pamoja Tuungane Receipting and Invoicing Purchase Orders Tenders (RFQ/RFP) Email Notifications Supplier Portal Password Management Supplier Registration SIM and Services Regulations SIM Registration Update Requirements Daima Service Was this information helpful? Moreso, you can get between Ksh.250 to Ksh.50000 and can repay with M-Pesa paybill number. You are supposed to pay the loan back in 3 weekly installments while the interest rate is pegged at 15%. The standard M-PESA limits apply; however you can deposit as low as ksh.1 in your M-Shwari savings account. The KCB M-PESA Loan helps you stay liquid. Montafon Ski, Check them out here on social media. To be eligible for this instant Safaricom M-Pesa loan, one must be a goods merchant. The amount of loan to get on this app depends on your M-Pesa history. Mshwari offers you a 30-day extension, subject to a small charge for failure to beat their deadline. Mariamu Chorah is the leading writer for the KC blog. M-Pesa is the cheapest way to send and receive money and make loan applications. Often, all you need is an ID, a clean credit record, and a registered MPESA line. The M-Shwari loan is the most easily accessible mobile loan in Kenya. Here is a step by step procedure on how to repay your L-Pesa loan: Go to M-Pesa menu. Kylie Minogue - Fragile, It is an App by Barclays Bank in Kenya. The charges range from Ksh 2 to Ksh 30 daily, depending on the loan amount. Shika loan App. Submit your application For first-time customers, the maximum limit is 15,000 Ksh. Saudi Arabia Health Issues, To grow your Eazzy loan, you need to use the app frequently and repay the loans on time. Have a good credit history. How to Apply & Check Approval Status of covid-19 10 Best International Schools Around The World, What are the 3 Best Police Brutality Lawyers, 10 Online Stores To Buy Electronics And Gadgets In Nigeria, PC/Mobile Method To Download Videos From Pinterest, 5 Trusted Websites to Find Scholarship 2023, 5 Currencies That Are The Most Stable in the World 2023, How To Check NIRSAL Loan Approval With/Without BVN, Canadian Immigration Requirements Updated, Canada Government Jobs for Immigrants Work in Canada 2023. MpesaLoans.com is in no way affiliated with nor endorsed by Safaricom Ltd. 5 Questions to ask yourself before you take a Loan, OKash loan app hits over Sh10 Million daily transactions, Starting a Business in Kenya and how to grow it, Instant Mobile Loans in Kenya through Social Media using mobile loan apps, Barclays loans Timiza now available instantly via mobile phone in Kenya, Reasons for Business Failure in Kenya Why Small Business Fail, Tala formerly Mkopo Rahisi research on Tala app loan in Kenya, New Years Resolution Goals that make you more financial confident and secure, https://www.youtube.com/watch?v=xVF84a6-5WU&t=610s. Using the M-Pesa app, you can go to the Halal Pesa Mini app section and repay. On the SAFARICOM Menu: Select M-PESA menu then select Activate or Wezesha. To apply for MPesa fanikiwa loan, simply dial the USSD code *844# on your Safaricom network and follow the prompt. They also offer their loan services to other parts of African countries. Here are the basic eligibility requirements for Branch mobile loans: Follow these steps to download Branch and apply for a loan: Zenka promises an interest-free first loan to its first customers. Remember, to increase your loan limit,t you have to be an active M-Pesaands M-Shwari user. This pilot project is meant to run for 3 months, and after that, its fate will be determined. Eb Games Logon, The service requires full cookie support in order to view this website. A 7 days repayment period attracts a 2% interest rate, and a 30-day loan charges a 7% interest rate. How to Register & Apply. Possess an M-Pesa sim which has been active for a period of six months. Enter the 'M-PESA PIN received via SMS. Loans are disbursed within minutes to your M-Pesa account. It is available to each one of us. Jessie Meaning Hebrew, Mr Mwangi said the two firms would use the lessons learnt from the initial failure of the M-Kesho product. Click each link to view review of the loan app: Branch app online loans; Tala Loans Enter your MPESA Pin. Launched in 2012 on the Safaricom mobile money application M-Pesa, M-Shwari has become a key growth driver for both Safaricom and NCBA. You can borrow from Ksh 500 to Ksh 5,000 with the Haraka loan app. It is more of a fluid bank in your pocket. WhatsApp. This means that the customer is given a facility instead of a loan. Business owners are charged a maximum of Sh210 for transactions that fall between Sh50,000 to Sh150,000 for payments made on the till, says Safaricom on its websites. Lets discuss these mobile lenders and their loan terms in detail. Note that the bank may add a rollover charge for late loans. Therefore, by default, if you have not been selected, you are not eligible for this loan. Overall, if you are prompt with your payments, Timiza will likely raise your limit faster than most lenders. The interest rate is 7.5% for a repayment period of 30 days. Cent Warrior is a tribe of non-conforming financial warriors promoting a generation thats financially free and debt free. The M-Shwari loan is the most easily accessible mobile loan in Kenya. Open get loan 5. Tawarruq means to buy on credit and sell at spot value. Many Islamic banks now use this transaction to manage their cash flow and to get money, especially for personal loans and credit cards. These lenders give you quick loans because they expect you to pay high interests of up to 10-15% within a month or an annual percentage rate (APR) of about 25-36%. Enter Loan reference no. Museum Railway, On the application you can find out the loan limit, which cannot be exceeded. It is a Safaricom product in partnership with Commercial Bank of Africa (CBA) to give loans. Just as their name suggests, Haraka promises quick phones straight into your MPESA wallet for your emergencies. Recently, M-Pesa launched a new loan product service on a trial basis to its customers. There you will find the Halal Pesa Mini App option. 2. 1 Get $10,000 in your DEMO account Minimum trading amount is $1 Get up to 98% Rate on Return Fast deposits and withdrawals $10 minimum deposit $10 minimum withdrawal Get $10,000 FREE to DEMO trade in Quotex. One can access only KES 1, while the maximum is KES 70,000. M-Pesa is the highest champion of mobile payments in Kenya and other African countries. You need a Safaricom Sim already built to house the app and they charge your loans at 3.6% interest rate. It was formerly known as Mkopo Rahisi before it was upgraded and rebranded to Tala. - Redeem/Withdraw CashSend: Collect your cash from any Absa ATM using the 10-digit PIN from Absa and access code from the sender. Here are the basic application requirements for Okash mobile loans: Apply for an Okash loan using these steps: Imagine wanting to buy something without enough funds in your MPESA account. Here are the minimum requirements for getting a Haraka instant loan: Follow these steps to download and apply for an Haraka emergency loan: Enjoying a million-plus download on Google Play, Opesa is one lender that every Kenyan craves. This is the first digital financing product that follows the rules of Shariah. You can access up to Kshs.150,000 with an interest of 6.17%. Whatever you need the cash for, chama, to get that latest gadget or to catch up on rent we have you covered. Membership to the NMB Business Club. Wushu Game, Moreover, one can borrow from as little as KES 100 to KES 50,000. Enter the M-Pesa paybill number for that app, Enter your phone number as your account number. Please enable JavaScript on your browser and try again. Follow him on, How to remain positive and overcome Exam Anxiety, Top 3 private holiday tuition centers in Nairobi, Technical university of Kenya fees structure, How to Buy Airtel Airtime from Mpesa Without Charges, How to Turn a Regular TV to a Smart TV and watch Netflix and YouTube, Everything you need to know about The Great Rift Valley, The Best Places to Stay in Maasai Mara during your Safari Vaction. Enter Stima Sacco Paybill number 523500 as the business number. Here are the minimum requirements for applying for an Opesa quick loan: Follow these steps to apply for an Opesa emergency loan: Okash, popularized by Giant One Spot Technology, is another Kenyan mobile lending leader. You are therefore ineligible for another M-Pesa Fanikiwa loan if you already have one. Enter M-Pesa PIN. Rrf-1 Late Filing Penalty, Moreover, one can borrow from as little as KES 100 to KES 50,000. Lets now discuss the various instant SafaricomM-Pesaloans below in detail. After the initial three months of this pilot project, its future will be decided. Ill review 13 lenders you can run to for quick emergency loans. Confirm the details 9. ), How To Get CRB Clearance Certificate In 2023 (3 Easy Ways! Moreso, you can get between Ksh.250 to Ksh.50000 and can repay with M-Pesa paybill number. Create your own Secret PIN and confirm it. M-Ledger - Transform your M-PESA experience. KCB M-PESA loan is a mobile loan service created through a partnership between the Kenya Commercial Bank (KCB) and Safaricom's M-PESA. However, only a few can meet the need of the borrowers. Shika is a mobile loan app that offers quick loans in Kenya via M-Pesa, Quick Online M-Pesa Loans Everything You Should Know, Usawa Loan App How to Apply And Download The App And USSD Code, Non-Performing Loans in Kenya Meaning And All You Should Know, Loans in Kenya Without Security Explained, What Banks Consider Before Giving You Loan, A local means of payment when you do not have a bank account. These include an interest-bearing savings account and instant loan service. Zenka loan. We want to simplify and demystify the world of consumer finance. Enter the loan amount and press OK to continue Confirm loan details Enter Mobile Money pin Receive SMS notifications on Loan allocation Everything you need to know about Safaricoms new Product, Halal Pesa. Lastly, Ive to talk about Mshwari, which most Kenyans are familiar with. One may register for Halal pesa using one of the various available methods. ALSO READ:Lipa na M-Pesa to takepayments from Airtel. It started officially in 2007. Save my name, email, and website in this browser for the next time I comment. Lunette Cup Amazon, After successful registration, you will receive a confirmation message with your balance. If you want to increase your limit, Kindly make all the repayments on time. Freddie Mercury Last Concert, Engelberg To Mount Titlis Cable Car Timetable, Super Dragon Ball Heroes: World Mission Review, Sometimes There Just Aren't Enough Rocks Meaning, Stealth Core Trainer Personal Vs Professional. You will be charged a Sh2200 processing fee, which you can pay via MPESA as follows: Open MPESA. Opesa loan App is built and owned by Ten-spot Kenya Limited to Kenyans to get loans via M-Pesa. Get a notification that your loan was successfully repaid. The credit history is looked before approving your loan on this app. Categories Loan Tags loan, Zamcash Leave a comment. To be eligible for this instant Safaricom M-Pesa loan, one must be a goods merchant. A good credit history is the basis of loan approval. Click Lipa na M-pesa. An interest rate of 23% is charged. For payment into shares, enter your Member No followed by the alphabet S , e.g. The M-Shwari loan is the most easily accessible mobile loan in Kenya. 2. stating: Missing loan repayments may result in fees, lower loan limits or inability to get a subsequent loan from us as well. All you will need to access this loan is to have been a Safaricom M-Pesa user for more than six months. Here is how to pay using the the MPESA business number: 1. Equity Group chief executive James Mwangi, said at the time, that Safaricom and Equity will work together to identify and deepen financial opportunities for Kenyans. The other method is : Dial *334#. You can access Ksh 500 to Ksh 5,000, with a repayment tenure of 30 days. Guideline on how to apply and get Saida Loan via mpesa online Visit Saida App Download the Saida app You will see some simple form in the app to fill (your name, mobile number, ID No, and email) then click create account. Safaricom and Equity are looking at making money from the surge in Lipa na Mpesa transactions at select stores. More to this is that this instant loan facility does not have limited access to KCB account holders only. List of online loans in Kenya via Mpesa. Engelberg To Mount Titlis Cable Car Timetable, ), Launch the app and sign up with your details, Go to loan and apply for the amount you qualify, Wait for disbursement to your MPESA, which takes minutes, Apply and wait for reimbursement to MPESA, Install the lending app and launch it on your android phone, Create an account by filling in your details, Wait for disbursement to your MPESA account, Sign up using your Safaricom number and your official names, Navigate the loans section and select the amount you want to borrow, Wait for the disbursement to your MPESA account, Install and launch the Haraka app on your phone, Navigate the app to the loans section and request the loan amount you qualify for, Install the app and launch it on your phone, A smartphone with accessibility to the internet, Launch the Okash app on your phone and sign up with personal details, Apply for the loan and wait for disbursement, which takes a few minutes, An active MPESA account (at least six months old), Agree to Fuliza terms by selecting option 1, Opt into Fuliza services, and you will see your limit, Transact when you dont have enough money, and youll be asked if you want to complete the transaction with Fuliza, Launch the Zash app on your phone and sign up with your details, Apply for the loan you qualify for and wait for disbursement to your MPESA, Android smartphone with access to the internet, Select the loan you qualify for and apply to, Wait for the disbursement, which takes a few minutes, Mobile phone (a smartphone if you want to download the app), Install the app and sign up with your details, Select the request loan option and pick the loan amount you want, Submit your application and wait for disbursement, Wait for the loan disbursement on your phone. MPESA and Gulf African Bank Ltd. Shariah law doesnt support or allow people to borrow money with interest from banks or other people. Minimal monthly maintenance cost. Best Xbox One Games For Kids, In today's article, we will continue with our series of discussing instant loans in Kenya. Some Kenyan lenders allow you to get quick mobile loans with USSD codes. Here are the eligibility requirements for KCB MPESA loans: You can opt to download the app from the play store, launch it, and sign up for the loans. The loans disbursed range from Sh.1,000 up to Sh.1,000,000. NIC Now App. See also How to Apply Mpesa Fanikiwa Loan/ Mobile Loans. Loans between Ksh.500 to Ksh.3000 which the interest rate depends on your loan amount. Therefore, do not let a low M-Pesa balance limit you from making that transaction, just Fuliza! Borrowing on the app depends on your usage of Safaricom services. You can receive loans in your M-Pesa or M-Shwari account. Select "Halal Pesa". Zurich Classic 2019 Teams, In partnership, we will offer low-interest loans and a tailored support wrap-around support package to those start-ups in Rwanda, including mentoring from experienced business experts in East Africa and across the globe, networking, and product/solution advice from Save the Childrens health and nutrition experts. Enter the ID number used during registration. KCB M-Pesa, on the other hand, was launched in March 2015. To apply for KCB M-Pesa loans, follow the procedure below: You will receive the loan in your KCB M-PESA account.To access the loan, move the money to your M-PESA. Instant loans from M-Pesa can get you a loan with a maximum of Ksh.500 to Ksh.50000 without collateral. Mpesa loans applied for on the ipesa app attract an interest rate of 12% on each loan you borrow. The only setback is that you cannot withdraw Fuliza. M-Pesa is a combination of two entities in which M means mobile and Pesa means payment in the Swahili language. Here are the basic requirements for applying for an Eazzy quick loan: Follow these steps to sign up for an Eazzy quick mobile loan: Note that Eazzy loans are deposited to your Eazzy account. Safaricom is a leading telecommunications company in Kenya. In Kenya and other African countries, M-Pesa is the highest champion in mobile payments. Failure to beat their deadlines results in extra charges and not forgetting the service fee. Learn how your comment data is processed. Here are the basic eligibility requirements for Mshwari loans: Follow these steps to apply for a Mshwari loan: Its easy getting a loan in Kenya. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); 9iNFO is the best in the Latest recruitment, real-time Jobs updates, Education in Nigeria and Abroad & up to date Information. It is an App by Barclays bank in Kenya. A loan can be obtained for KES 100 to KES 10,000 with a 30-day grace period and a 5% interest rate. Kenyans without a bank account or limited access to banking services can use its financial services. You have entered an incorrect email address! She is the one who researches and comes up with blog ideas for our blog. Loan repayment can be done through your Opesa loan app or through M-Pesa platform. They created a lot of apps to handle M-Pesa services and transactions. The lender prides on its fast loan disbursement, flexible rates, and supportive customer desk. You can access up to Kshs.150,000 with an interest of 6.17%. Tala is a California-based finance application in Kenyan market that provides credit through your mobile phone. For this initial pilot phase, Safaricom has carefully chosen the individuals who are eligible for this loan facility. For the context, M-Pesa caters for over millions of people in Kenya and has come to stay. how to apply mpesa fanikiwa loan. Therefore, this trial loan facility is slightly cheaper than M-Shwari and KCB M-Pesa. How To Repay Kwick Credit Loans After your loan is approved and disbursed , Kwick Credit officers will direct you on how to pay the loan. Already dozens of outlets have signed up to be merchants including Naivas Supermarket, Goodlife pharmacy and Citi walk, a shoe-selling store. They are a product of Branch International which was established in 2015. MSACCO APP OPTION Open the Msacco app and under the loan options, select the type of the loan Waumini cash. The Fanikiwa Loan Fund will invest in start-ups and small businesses that work collaboratively with start-ups or small businesses based in Rwanda that propose innovative solutions to improve childrens wellbeing. Here is how you apply for an instant loan in Kenya on the ipesa app. Plus, it is much easier for your loan limit to increase, with the maximum amount issued pegged at Sh.1,000,000. 2) KCB MPESA Agents Loans KCB bank has got a special loan product to Safaricom dealers and MPESA agents that require to boost their businesses. M-Pesa is widely known and used in Kenya. They are widely known and used in Kenya. You shall receive a confirmation message from Halal Pesa as soon as you do so. Easy access to business loans. Cricket Wireless Used Phones, On the other hand, All you need to do is use the mpesa service as you would normally do and then follow the steps below Make sure you have registered for the fuliza service. Its generally easy to get an emergency loan in Kenya if you meet the basic requirements shared above. With the exception of the interest rate, this loan functions exactly like M-Shwari. Buy the sim, register and use it for six months before it can be accepted. Once you have confirmed removal, apply for a CRB clearance certificate and submit it to your employer or whoever had requested it. Overall, failure to pay the loan in time triggers a 2.4% daily penalty by Opesa. They transfer your fund directly to your M-Pesa account upon loan application and approval. One Piece Game, You can access minimum range of Ksh.600 to a maximum of Ksh.100000 with a repayment period of 30days. The is usually 5% of your outstanding loan amount. Call *848#. 2019 MPESA Loans in Kenya. Dial *334#, Select Opt-out, Confirm it and enter the M-Pesa pin. Lets get started. Kenya has the most comprehensive and robust coverage all over the country. However, you can do everything else, including sending money, paying bills, and buying airtime. So, consider it if the CRB has blacklisted you and cannot get a loan from the other lenders. He simplifies complex financial concepts and produces top-quality content on various topics. It is more of a fluid bank in your pocket. You can access the halal pesa mini-app within the M-Pesa mobile application. All you will need to access this loan is to have been a Safaricom M-Pesa user for more than six months. Follow the prompts. Saida app Photo: @SaidaCapital Source: Facebook Traveling Tips for the worlds most organized traveler, Best Fixed Deposit Rates in Kenya in 2023, Top 10 Microfinance Institutions in Kenya, The Ultimate List of Equity Bank Loans in 2023, Once this is done, you have now officially opted in bloom service. You can pay by going to the nearest Kwick Credit branch or through Mpesa . The full Fintech solution was actualized with giving instant loans to Kenyans. Have an M-Pesa account as some app would require that. The Faraja product is owned by Edomx Ltd, a Kenya-based financial technology firm. To do so, Navigate to the Grow section in the M-pesa app. All you will need to access this loan is to have been a Safaricom M-Pesa user for more than six months. KCB M-Pesa attracts a fee of 8.64 percent. So, youve to transfer it to your MPESA account. Recruitments, Jobs, Education & Information Portal, how to get flutterwave pos machine in 2023, fudma portal for 2022/2023 Academic Session, easemoni loan code | how to repay easemoni loan, Federal Government Loan Application Form 2022/2023, agsmeis loan application portal | what is agsmeis. A maximum repayment term of 30 days. Without being an active user of M-Pesa for six months, you can use this service. Here is how to check your . Tala disburses loans via M-pesa of up to Kshs.50, 000. The loans attract a 25% APR, and the sweetest part is that Zash allows you to extend your repayment period. One must have a registered Safaricom (M-Pesa) line. Emergency Loans in Kenya Via MPESA Reviewed! Numerous apps have been developed to accept M-Pesa services and transactions. Vodacom and Safaricom own the M-Pesa brand. If you are using the M-pesa app, you can apply for Halal pesa using it. For first-time applicants, do not delete your device transactions and history. A shortlist of online loans in Kenya via Mpesa from banks is as follows: 1. The loan attract a service charge/ Interest at the rate of 5% per month. With M-Fanisi, Safaricom M-Pesa Subscribers Are Able To: Access loans with a repayment period of 30 days at attractive one-off facility fees of 10% exclusive of excise duty.. Open a fixed deposit account for a period of one to 12 months and earn attractive interest of between 8.50% to 11.25% p.a., depending on the period.. Open a savings account and earn interest of 7% p.a Psn 20% Discount Code, Locarno Pronunciation, A unique financial facility for Muslim customers. I should insist, nonetheless, that the keyword is emergency. In many ways, the elements that lead to M-Pesa's success in Kenya are already present in the Arab World. The amount of loan to get on this app depends on your M-Pesa history. As a result, by default, you are not qualified for this loan if you have not been chosen. you can easily register formpesa fanikiwa loanby dialling 844# and following the instructions. The best part about Mshwari Loan is that the loans are instant, only limited by your loan limit. Shika charges a facilitation fee of 15% for a period of 30 days on the amount of loan borrowed. Find Your Dream Home Search, It is available to each one of us. Select Lipa na M-PESA option. A minimum range of Ksh.600 to a maximum of Ksh.100000 is accessed with a repayment period of 30days. Timiza USSD Code HOW TO BORROW A LOAN ON TIMIZA USING *848# | TimizaKE Watch on Timiza loan is a product of the ABSA bank in Kenya (formerly Barclays bank). Safaricom already dominates the mobile loans segment where borrowers get loans within minutes via their mobile phones, making digital loans a quick fix for daily bills. Lugano, Switzerland Population, They have developed awonderful free personal finance guide (Click Link to download) that youll find helpful in planning your finances and avoiding debt in general. When you refuse to pay within a period of 3months, they will list your name to CRB as a defaulter. The type of information gathered is non-personal (such as: the Internet Protocol (IP) address of your computer, the date and time of your visit, which pages you browsed and whether the pages have been delivered successfully. Halal Pesa is a digital financing service based on the Shariah principles, which make Muslim customers eligible for this product. If the facility isnt paid off by day 31, it will be changed so that it can be used for another 30 days at a 5% profit rate on the principal amount: For example, if you were given a loan of Ksh.1,000 and the interest rate was 5%, the total amount due on day 30 would be Ksh.1,000 plus Ksh.50, or Ksh.1050. If successful, the loan will be credited to your Fosa Account. Depending on eligibility, Brand offers Ksh 250 Ksh 100,000, payable within 4-52 weeks and attracting a 17-35% interest rate. WhatsApp. Share Tweet Share reddit Email.
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