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According to Safaricom, you will still need to pay your Mshwari loan since the loan is linked to your ID number, not the phone number. You will still be considered to have defaulted if you don't pay in time even if your Simcard is disconnected.
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If your Equity bank account is not in operation for a period of 12 months or more, it is marked as dormant and cannot be used for any transaction. You can always visit any Equity Bank to activate a dormant account
To check whether your Simcard is registered or not then Dial *106# on any of your Safaricom, Airtel, Telkom, or Equitel line then select check my number. You will see a list of numbers registered using your ID. NOTE: This procedure is only applicable if you are checking your Simcard registration details from one of the lines registered under your ID.
You can update your Simcard registration details online using the following options. Safaricom online Simcard registration details update or Airtel Simcard details update guide.