Tuesday, September 18, 2018

11 Business Ideas to Venture into in Kenya

Stating up a business is very easy. However, most successful businesses are those well planed or rather those done out of passion. There are too many business ideas  that you can start and benefit from. If you don't have passion for the business, you can as well benefit from it, you need to write up or get someone to write up the business plan for you. Although starting capital matters a lot, there is no business out there which can't grow.

When writing up  Business plans, You should consider these; You should be short and concise, you also need to know your audience and lastly don't be intimidated (learn as you go and don’t have degrees in business).

It doesn’t matter how much capital you put into a business. Any business with the right determination has the ability to succeed.

Below Are Some Business Ideas you can choose to venture in.

1. Salon or barber shop

How many people around you are shaved or have their hairs made? That should give you some motive to do it. This is  a lucrative business that has the potential of making you good money. You can start by visiting clients in their home; make enough money to finally rent out a place. clipping machine costs as low as kshs 2500. From there you can work on getting cash to buy other equipment you may  need.

2. Selling mitumba

Have heard many people talk of such business, but the truth is they end up doing other businesses. The good news is that you don’t require a lot of capital to go into the mitumba business. With as little as 1,000 you can start selling mitumba clothes. All what you need is to get a strategic selling point and the source. Most people buy at Gikomba and Muthurwa markets in Nairobi.

3. M-Pesa business

M-Pesa of late is the tool almost everyone is using.  Although this business seems crowded, no matter where you are operating at, you can be assured that at the end of the day you will still make a profit.
Starting an M-Pesa business requires you to have at least kshs 100,000 but if someone gives you their line to operate with you only require around 50K.

4. Boda boda business

A motorcycle in Kenya costs from Ksh.65,000 to 120,000. That is to  mean with less the 100K, you can own your own motorbike and start the job.
This is a business that you can be sure that at the end of the day, you can make a comfortable Ksh.1,000.

5. Manicure/Pedicure business

This business requires around Kshs 500 to start. And as you all know, Many if not all of our ladies  wants to look beautiful from head to toes  and you can agree with me that this Business is worth venturing in.
You can start by doing house calls before you rent a place.

6. Printing and photocopy business

This is a business have done since my days in college. I can comfortably tell you that, this is a business worth considering, however, your locations matters a lot. You could also venture into the business if you are living near a college or university. Starting this type of  business  requires a starting capital of less than Ksh. 7,000.

7. Boiled eggs and Smokies

To start this business, sausage, samosa and egg business you need a capital of around Kshs 1,000 to start. One egg goes for around 10 bob and then sell at 20 bob. That’s 10 bob in profit. On a good day, you can make a profit of about Ksh.500. in a month you are assured of an income of over Ksh. 15,000. All what you need to to look for a busy street and you are done.
All you need is to find a good location and you are on your ways to your first successful small business.

8. Car wash

This business requires you to get a dedicated staff and you could be making around 400K in a month.If you charge 200 shillings per car, you can manage to clean 100 cars per day again depending on where you are located. That is 20K per day. You don’t require much  capital to start a cash wash, you simply need an area with water supply and a machine or simply a basin.

9. Cleaning service business

Many are there at home wondering who will ever clean the dirty sofa sets, Offering such service is worth considering. You need to get a personnel who can handle that and a machine, vacuum cleaners which costs as low as Kshs 3,000.
As you can see, you don’t need much to start a home cleaning business.

10. Selling women handbags

Every other Women you see in town is carrying an hand bag. Thinking of selling such can take you to the next level. You can start selling handbags which I hear fetches a very good profit. And with the advent of social media, online business is booming. You can create Facebook page for your business, boost a few posts to reach as many people as you want. Get a location and source and your are done.

11. Cereals

Cereals are being consumed in almost every household, to start this business, you simply need strategic location and where you will be sourcing your stock.

You can buy them in wholesale from Eastleigh and distribute to other sellers within your locality.

See Also : The process of applying for a certificate of good conduct in Kenya

How to Deposit Money to SportPesa

SportPesa is one of the leading betting platform in the country and as many people wonder to how to deposit money their and place their bets, Here we try to make it as easy as possible. Kenyans stand a chance to win the SportPesa jackpot by playing the SportPesa games however this needs one to be careful. One needs to gamble responsibly.

Betting companies lets you place a bet on both local and international football game results. SportPesa East Africa is the biggest East African online soccer predictions website. It gives football lovers opportunities to hit the SportPesa jackpot.
SportPesa users can win other big cash prizes, simply by predicting the final score of games, correct score of home team or away team, corner kicks and much more options available. The football predictions site is a legitimate website where many young Kenyans are winning and losing money big time.

How to Deposit Money From Mpesa to SportPesa

  1. Go to MPESA Menu
  2. Select Paybill
  3. Enter business number 955100 or 955700
  4. Account number is SportPesa
  5. Enter the amount to transfer to your SportPesa account
  6. Then enter your MPESA PIN
  7. Confirm that the details are correct, then send
  8. Wait for the Mpesa Transaction confirmation SMS
One can also place a bet through SMS using the number 79079.

How to deposit money in SportPesa using Airtel Money

  1. Go to the Airtel Money menu
  2. Select Make Payment
  3. Then select Paybill, then click Other
  4. Enter the Business number SPORTPESA
  5. Key in the amount to transfer to your SportPesa account
  6. Enter PIN, then enter FOOTBALL as the reference number

How to transfer money from M-PESA to a KCB account

KCB is a banking institution to drive efficiency whilst growing market share in order to be preferred financial solutions provider in Africa with global reach. In this post, we look at how to transfer money from Mpesa to KCB account.

How to transfer money from M-PESA to a KCB account

    1. Go to your M-PESA menu,
    2. Select Lipa na M-PESA,
    3. Enter PayBill number 522522,
    4. Enter the KCB account number you are transferring money to, enter the amount, and your M-PESA PIN and confirm to send money.

How to Open a KCB M-BENKI

  • Through M-PESA
  1. Go to M-PESA menu
  2. Select Lipa na M-PESA
  3. Select Paybill and enter Paybill number 522522
  4. Under account, type ID(No Space) and your National ID Number e.g ID123456789
  5. Enter amount to deposit, and your M-PESA PIN.
  6. You will receive two SMS's, one with your KCB M-BENKI Account number and the other with your temporary PIN.

What are the Charges?

  1. Dialing on to KCB Mobi Bank via USSD is charged by your mobile phone subscriber. Safaricom subscribers pay Kshs. 2.
  2. Balance enquiry is charged at Kshs. 33
  3. Mini statement is charged at Kshs. 33
  4. Forex rates are free.
  5. Airtime purchase for own phone and other phone is free
  6. M-PESA transfer from KCB account to M-PESA is Kshs. 55
  7. Mobi Loan and Kopa Bill Loan are charged an interest of 6%
  8. Salary Advance is charged an interest rate of 8% per month.

How to pay your bills using USSD (*522#)

  1. Dial *522#
  2. Select Bill Payments
  3. Select Option 1. Pay Bill
  4. Select Biller e.g KPLC postpaid
  5. Select Account to debit
  6. Enter Bill Account No e.g. 1234567-01
  7. Select Pay Total Amount or Pay Partial Amount
  8. Select Send to pay your bill

How to purchase airtime via (*522#)

  1. Dial *522#
  2. Select Airtime
  3. Select own phone if the self or other phone to send to

How to purchase airtime via KCB App

  1. Open the KCB App icon
  2. Select Transact
  3. Select Airtime
  4. Select self to buy for own phone or other to pick recipient from contact list
SOURCE: KCB
For more information, Visit https://ke.kcbgroup.com/

Tuesday, September 4, 2018

A Lesson we can all Learn from this Matatu Driver

Just came across this inspirational post by Wafula Nangacho and I just had to share with you.



Read to the end and think about it for a minute.

Yesternight as I was headed home from town, I had an exclusive chat with the Matatu Driver. He has been behind the wheels of the 33 seater matatu plying the Nairobi-kahawa sukari route for 3 years now.

Ogero, the 30 year old hails from Nyamira county and ventured into the makanga hustle in 2014 after losing a job at the Nation media Group where he was a driver. He was earning 20k and living in Mathare Slum.

He worked as a makanga for a year before taking over the driver's role after his then driver switched the operation to his own 14-seater matatu which he had acquired through his 5 year savings.

Its the surprise and shock that a driver could save for only 5 years to purchase his own second hand matatu that pushed me deeper into the talk.

Since you were not there as i engaged ogero, lemme break down the modus operandi of the Matatu business.

Averagely, for the matatu plying this route whereby he told me the situation doesn't hold much difference from the other routes around Nairobi. He makes 9 trips a day, making a minimum of Ksh 1600 per trip (The minimum charges being ksh 30 and maximum ksh 70. On average being ksh 50 per passenger per trip)

The owner of the vehicle takes ksh 4500 daily. The Matatu will consume a maximum fuel of ksh 5000 a day. The Sacco takes ksh 400 plus the ksh 200 parking fee.

His total deductions stands approximately at 10k. Having made ksh 15k, he remains with 5k as the floating profit.

After paying his makanga, he remains with not less than 3k at the end of a good day.
Fortunately, Ogero doesn't subscribe to the middle class 'opulence' chimera. He has rented a 1 bedroom apartment in Mwihoko where he pays 8k per month. He lives here with his wife and the 5 year old daughter.

Having saved for the first 2 years, he opened up a small fast foods restaurant next to Kahawa Sukari Mall and bestowed its operation unto his wife.

Maybe due to the nature of his profession and the circle of friends intertwined around him, he doesn't splash his cash at Jikoni's or Kiza lounge every weekend. He has no slay queen who will demand pizza and uber rides almost 3 times a week. He doesn't spend tens of thousands on rent rates because he's comfortable in Mwihoko. He doesn't have the trendy clique to floss with latest outfits and iphones to cope up with them. He doesn't have an Instagram account to always visit CJ's Restaurant so as to 'threaten' his followers with selfies. He has no time to waste chasing politicians for favours.
After sending some 10k to his mother in nyamira and paying school fees for his siblings, Ogero can comfortably save upto Ksh 60K cumulatively from his matatu and small restaurant businesses. How much is that in a smooth running year? What of 2 years? 4 years?

He tipped off of opening a serious big restaurant at Roysambu in 1 year time if all goes well. I wished him well.

As I was alighting at Engen, I felt challenged and small'
After my supper - I'm too poor to take dinner, something crossed my mind.That of a 28 year old bright university first class holders who is probably working at a blue-chip bank or a top-level re-known law firm around. He takes home a net salary of 80k.

Since he has some 'status' in the society, he lives at Genesis Apartments, Roysambu paying ksh 22k for a 1 bedroom. He has a USIU slayqueen who blows out 10k single handedly either directly or indirectly. He must buy another new suit at 7k. His generic fake Patek Phillipe wrist watch got spoiled during a brawl with the slayqueen a fortnight ago, he replaces it at 5k. He settles last months debts from friends, mama mboga using 10k. His mother needs 10k to buy fertilizer, he sends ksh 3,500. He doesn't pick calls from his sister studying at Moi university.
Since Nangacho secured a liason job at the Parliamentary Service Commission and is driving a Toyota Crown Athlete, the boychild secured a loan and acquired a mark X. He was not only deducted 35k to service the loan but also spends at least 25k in fuel, parking fees, service and maintenance

The poor young man didn't know the Athlete Nangacho drives belongs to his boss or rather he has a boutique in moi avenue that services most of his expenditures. He didn't know nangacho is a member of three chamas. He's not aware I live in a 1 bedroom in Rongai paying 10k. What am the only child in a family that resides in Washington and gets monthly stipend from parents. He just wants to beat Nangacho on the status.

On 8th, the young man is back to Mshwari, branch loans to push through the month. By 16th, he's back to the squad borrowing, before applying for advance on 22nd. He has no single investment. He isn't planning for any. No savings. No chama. He's not supporting his mother back home. Doesn't bankroll his siblings' sustenance.

Remember he'll pay for the Mark X for 4 years, till then, the car will be too old and poorly maintained with no resale value. He then dumps it to acquire another one to pay the next 4 years again. That's 8 years in total waste. The slay queen will have dumped him for a broker at Garden Estate. Nothing explains why an educated man will be still single or childless at 32 years than this.
Assuming all factors remain constant, where will Ogero be in 8 years?

In our lives, we all have the Ogeros, be it in class, office or even our apartments, those individuals who don't put on overrated expensive outfits, those who've been using a tecno phantom Z for 4 years now, they just drive a KAX nissan sunny, live in their own House in Juja, but they can comfortably lend you a soft loan of 25k anytime any day you request.

Young men, especially us, the millenials we need to have right priorities and wise choices in these streets. Don't be hoodwinked into buying an iphone 8 plus because your friend got an iphone 8-just to beat him. Don't relocate to Willmary estate just because most of your friends live around Garden Estate whilst your financial muscles are too feeble for that. Don't get a loan to take your girlfriend to Zanzibar because her EX used to take her to Mara.Why Spend Ksh 1.5M to purchase a Subaru which isn't a necessity to you while you can acquire two toyota Beltas using the same amount and register them with taxify and start earning to buy the Subaru in a year's time? Don't be afraid of failure. Start that Kiosk, let it fail, learn. Start a grocery, let it stagger, improve, invest in forex, do farming, commercialize your abilities and talent. You'll finally Succeed.

Cheers.
Recently Updated : Zuku Paybill Numbers to help you pay your bill through Mpesa, Equitel and Airtel Money.

Sunday, September 2, 2018

Zuku Kenya Satellite Packages

Zuku Kenya offers quality and affordable satellite TV entertainment to you and your family. There are 4 packages that you can choose from according to your budget and your preference. We shall look at the packages in detail in this post.

Zuku Smart Pack


This package is the most basic. It comes with 42 TV channels, 18 Radio channels as well as the local channels. The package will set you back Ksh. 449 a month.

Zuku Classic


The zuku classic brings you 76 TV channels, 55 radio stations and the local channels. This package goes for just Ksh. 1,099.

Zuku Premium


Zuku Premium is a little more expensive at Ksh. 1,549. The package comes with 97 TV Channels, 55 radio stations and local channels. 

Asian Standalone Channel


For just Ksh 1,150, you can get 26 plus Asian channels, 55 radio channels and local channels.

If you are wondering how to pay for your package, you can learn how in these step to step guide provided in this post. If for any reason you need to contact the customer care, here are their contacts.

Saturday, September 1, 2018

Bridget Achieng Reveals Shocking Details on What it Takes to Make it as a Socialite in Kenya

A look into the lives of Kenyan socialites though Instagram may seem glamorous and all that, but the women are forced to do some freaky and scary things for all that money. As Bridget Achieng revealed in a recent video, nothing goes for nothing! You are asked to suck toes among other things no self respecting woman would ever do.

In a video that was posted by BBC News Africa on their  youtube channel and social media platforms, Bridget described a socialite as a woman who goes half naked to attract the rich boys in town and  to get whatever she want to get. The model talked about growing up in Kibera where life was not easy. She was molested as a kid and that ugly experience affected her until she was 25 years.
 I grew up in Kibera slums. The ghetto is about survival for the fittest... Rape is Rampant in the Ghetto. No one is coming out to talk about it but I was molested when I was a kid. It really affected me until I was 25. I just had a tough childhood.

She even worked as a house-girl where she earned 1,200 shillings. That was until a friend of hers mentioned that she had a good body and could make it big as a socialite. She took her friend's advice, became a socialite and the rest is history.
You Know when you are a socialite, your picture is all over. People are seeing a sexy girl, like a sexy, curvy girl. All these rich tycoons want to have a taste of this fine beautiful African Woman. These are big businessmen. Tycoons. You name it. They'll send you a message and tell you on the DM.  Or they can send their pimp who'll just text you like, 'Can I get your number?' And I got those a lot when I became a socialite. 

Things got a little weird though when she went into details as to what it is expected of a socialite.
You are a desperate girl looking for money and you are getting a guy wanting to give you $10,000 just to go visit him wherever in Dubai or wherever and he's willing to dash you $10,000. $10,000 - some people have never seen $10,000 in their life. You just need to look pretty and get $10,000 and be on the flight and go and do what you have to do. 

I always feel like it has to be something that is in you because it's crazy things that you're asked to do. You're told to suck toes, to do what... it's crazy. You can suck... I don't want to go deep. I don't want to go into details about that because it freaks me out. I don't wanna scare people.

She had some advice for the young girls aspiring to be socialites.
But the young girls need to know there is nothing for nothing. You want a million bucks, you will do something that is worth a million bucks. You want $5,000, you're going to do something that is worth $5,000. It's something I tried when I was in my desperate moment. I had to do it to just get back up. It's not something any woman should be proud of doing.
Bridget now has an orphanage with 30 kids in Kibera.

Watch the whole story in the video below.

Saturday, July 21, 2018

CK-BTI CALL FOR APPLICATIONS

The Centre for Bioethics and Culture (CBEC) and the Kenya Medical Research Institute (KEMRI), have been awarded a Fogarty International Centre (FIC) - National Institutes of Health USA (NIH) grant to initiate the CBEC-KEMRI Bioethics Training Initiative (CK-BTI).
Attached please find a call for applications of interest for a Certificate Training Course in Clinical ethics Scheduled for September 24th -29th 2018;
  1. Clinical Ethics Certificate Course
APPLICATION DOCUMENTS REQUIRED INCLUDE
  • An updated CV
  • A one page Letter of Intent, describing why you are interested in the course, and what practical benefit might emerge to you and to your institution as a result of availing this opportunity.
  • Two letters of reference with one from a line supervisor and this should indicate that the institution will facilitate the time needed for training.
Please note that preference will be given to candidates actively involved in healthcare provision including Medical Doctors, Clinical Officers, Nurses, Hospital Ethics committee
members and those for whom the training will have particular relevance because of their involvement in healthcare facilities. 

All applications will be reviewed by a Selection Panel whose decisions, based on the strength of the applications, shall be final.

Partial scholarships are available for successful applicants. No fees are charged for training
Please send in your application (complete package) to cbeckemri.bti@rctp.or.ke Or cbeckemri.bti@gmail.com 
The Centre for Bioethics and Culture (CBEC) and the Kenya Medical Research Institute (KEMRI), have been awarded a Fogarty International Centre (FIC) - National Institutes of Health USA (NIH) grant to initiate the CBEC-KEMRI Bioethics Training Initiative (CK-BTI).
Attached please find a call for applications of interest for a Certificate Training Course in Clinical ethics Scheduled for September 24th -29th 2018;
  1. Clinical Ethics Certificate Course
APPLICATION DOCUMENTS REQUIRED INCLUDE
  • An updated CV
  • A one page Letter of Intent, describing why you are interested in the course, and what practical benefit might emerge to you and to your institution as a result of availing this opportunity.
  • Two letters of reference with one from a line supervisor and this should indicate that the institution will facilitate the time needed for training.
Please note that preference will be given to candidates actively involved in healthcare provision including Medical Doctors, Clinical Officers, Nurses, Hospital Ethics committee
members and those for whom the training will have particular relevance because of their involvement in healthcare facilities. 

All applications will be reviewed by a Selection Panel whose decisions, based on the strength of the applications, shall be final.

Partial scholarships are available for successful applicants. No fees are charged for training
Please send in your application (complete package) to cbeckemri.bti@rctp.or.ke Or cbeckemri.bti@gmail.com 


The Centre for Bioethics and Culture (CBEC) and the Kenya Medical Research Institute (KEMRI), have been awarded a Fogarty International Centre (FIC) - National Institutes of Health USA (NIH) grant to initiate the CBEC-KEMRI Bioethics Training Initiative (CK-BTI).
Attached please find a call for applications of interest for a Certificate Training Course in Clinical ethics Scheduled for September 24th -29th 2018;
  1. Clinical Ethics Certificate Course
APPLICATION DOCUMENTS REQUIRED INCLUDE
  • An updated CV
  • A one page Letter of Intent, describing why you are interested in the course, and what practical benefit might emerge to you and to your institution as a result of availing this opportunity.
  • Two letters of reference with one from a line supervisor and this should indicate that the institution will facilitate the time needed for training.
Please note that preference will be given to candidates actively involved in healthcare provision including Medical Doctors, Clinical Officers, Nurses, Hospital Ethics committee
members and those for whom the training will have particular relevance because of their involvement in healthcare facilities. 

All applications will be reviewed by a Selection Panel whose decisions, based on the strength of the applications, shall be final.

Partial scholarships are available for successful applicants. No fees are charged for training
Please send in your application (complete package) to cbeckemri.bti@rctp.or.ke Or cbeckemri.bti@gmail.com