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Posts Tagged ‘Kenya’

Being a small company with limited budgets for advertising, we think it’s very important to keep all interested investors and friends of MYC4 up to date with what’s going on behind the curtain. To give our investors a versatile picture of MYC4, and at the same time don’t overload with unnecessary information, we give the followers different opportunities to follow where they think it’s interesting. Below you will find our social media channels, and what you get.

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facebook-logo-300x300Facebook

Facebook is currently our biggest communication platform with 1400+ likes. Our Facebook profile is managed from our Copenhagen office and is used to inform users and fans of MYC4 about general information about Africa with a financial twist, announcements, interesting blog post, milestones and current loans on MYC4.

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twitter-300x300Twitter

To differentiate our tweets from our Facebook updates, we have chosen to set up a Twitter account which is managed from our Nairobi office in Kenya. These tweets are mainly focused on our provider and borrower updates and the everyday life at the office.

If you are already on Twitter you might also find these two profiles worth a follow; the first is our CEO, Mads Kjaer. Here you will get updates from his business trips and participation in different events, latest The World Economic Forum in Cape Town.

The second is our Operations Manager, Githa Kurdahl. Here you will get insights in the daily management and a good opportunity to dig deeper into MYC4 and learn about our key challenges and opportunities.

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Insta51-300x300Instagram

The best pictures of our borrowers who currently are or have been active on MYC4 are handpicked by the staff and shared on Instagram. You can use the first hash tag (#) on each picture to track the loan on MYC4; all you have to do is copy the link http://www.myc4.com/Invest/Loans/View/ and add the first hash tag with five digits to the link (essentially the loan id).

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linkedin1-512-300x300Linkedin

We are slowly building up our Linkedin profile with the approach that it can be used to generate new impact investors and raise more capital to be invested in African entrepreneurs. It’s also a good way to show your professional network that you support MYC4 on our way to build a sustainable Africa.

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Our key challenge with our social media channels is in general to build a bigger fan base as well as satisfy current users with relevant information about MYC4 and Africa.

We are always open for what you as an investor think is relevant information to you and where you would like some more – so please share/like/comment/follow/tweet/retweet to contact us.

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Last week we could share the news that Micro Africa Ltd has decided to exit as a MYC4 provider. The decision comes as a result of Micro Africa being acquired 100% by Letshego Holdings who is able to finance Micro Africa’s lending activities going forward.

We have received a letter to the MYC4 investors from Tim Carson, Micro Africa’s CEO. He writes:

To all MyC4 Investors

It is with great regret that I write to advise that Micro Africa will be ending its long association with MyC4. Micro Africa has been acquired by Letshego Holdings of Botswana, a financial services company listed on the Botswana Stock Exchange and active in 12 African countries. Letshego has advised that it will take care of all of Micro Africa’s future funding requirements. As a consequence, Micro Africa will not post any new loans on Myc4.

Letter to investors

Click to enlarge

Over the past 5 years, the MyC4 investment community has been a vital cog in enabling Micro Africa to transform the lives of its entrepreneurial clients. Since 2008, MyC4 investors have provided EUR2.8million of crucial funding to almost 2500 clients of Micro Africa in Kenya, Uganda & Rwanda.

The MyC4 funding has been extremely beneficial to our clients enabling them to expand and develop their business activities.

The MyC4 funding has also been a key part of the development of Micro Africa. In 2008, when we first began our association with MyC4, Micro Africa had a portfolio of $4million and approximately 4200 clients. Today Micro Africa has a loan portfolio in excess of $21million and over 45,000 clients.

I would like to thank you all for your support of Micro Africa and our clients. I urge you to continue your support through MyC4 of the thousands of small businesses in Africa that would find it difficult to fund their activities without the support of MyC4.

Many thanks again

Tim Carson

CEO -Micro Africa Ltd

Micro Africa is currently the largest provider on the MYC4 platform with 1469 active loans and an outstanding portfolio of approximately €630,000. The portfolio is held in three countries, namely Kenya (60 %), Uganda (25 %), and Rwanda (15 %). As a result of the exit, no new loans will be uploaded to the MYC4 platform for funding, and the active loans will be repaying in accordance with their respective repayment schedules. Micro Africa has reaffirmed its 100 % guarantee to cover on behalf of its clients in case of loan defaults.

MAL - Office 2_JPGTim’s letter to MYC4 investors expresses in many ways the direction that MYC4 has actively been taking for the last 12-18 months; to be an instrumental financing partner for Tier 2 and Tier 3 microfinance institutions (MFIs) in East Africa that are looking to grow and build institutional capacity.

Our CEO, Mads Kjaer says: ‘We would like to thank Micro Africa and its management for a constructive and professional partnership over the years and we are sure that we will meet again. On one side it is sad to see a 5-year partnership come to an end, yet it is wonderful to part on such good terms and great to know that MYC4 has been part of Micro Africa’s journey from being a small MFI to now being the largest credit only MFI in Kenya’.

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Today, Kenyans go to the ballot box yet again to elect a president, senators, county governors, civic ward and women representatives. Everyone is excited and cannot wait to elect the leader they feel will bring about change and care for the common man. Voters woke up as early as 4.00 am. this morning to queue even though the polling stations opened at 6.00 am.

Kenya became a republic in 1964 and later adopted a multi-party system in 1992. So far Kenya has had 3 presidents and Kenyans will be voting in their 4th president. Kenya’s system is one with characteristics compared with two-party system. Coalitions have dominated since the last general election in 2007. However it has been a multi-party system since 1992. One of the leading coalition consists of several parties. The president together with the other leaders will be in power for a term of 5 years. Kenya had over 160 registered parties  as of November 2007 but the number came down following the implementation of several political parties act to 43.

The last elections were held in 2007 whereby the outgoing president his Excellency Mwai Kibaki won. This election was marred with claims of rigging and there was eruption of tribally fueled clashes that saw more than 1000 Kenyans killed and many businesses destroyed. This was a sad moment for Kenyans and investors as well. Kenyans have however used every way to fight tribalism and ethnicity.

Although six other presidential candidates aspire to be presidents (Mohamed Abduba Dida, Musalia Mudavadi, Peter Kenneth, Martha Karua, James Ole Keyapi and Paul Muite), the two favourites expected to win the race are the outgoing prime minister Honourable Raila Odinga and outgoing deputy prime minister Honourable Uhuru Kenyatta, of Cord party of Kenya and Jubilee party respectively, but there could be a surprise win from either of the others. This is the first election held under the new constitution passed during the 2010 referendum and the first general election run by the Independent Electoral and Boundaries Commission, (IEBC).

Uhuru kenyatta and Raila Odinga, the two that are likely to win

Uhuru Kenyatta and Raila Odinga; one of these could be the next Kenyan President.

Raila Amolo Odinga

Was born in January 1945 and is popularly known by his supporters as Agwambo. He is the prime minister of Kenya in the coalition government. Odinga is a member of parliament for Langata since 1992 and has served as a minister for environment of energy from 2001 to 2002 and a minister for roads, public works and housing from 2003 to 2005. He was the main opposition candidate in the 2007 presidential election. Odinga is the son of the first vice president of Kenya Jaramogi Oginga Odinga and he is vying for presidency under the CORD coalition, an alliance of political parties.

Uhuru Muigai Kenyatta

Was born on 26th October 1961. He has been the deputy prime minister since 2008 in the coalition government. He is the member of parliament for Gatundu South and former chairman of Kenya African National Union, (KANU). He started his political life after being nominated to parliament in 2001 by the then president of Kenya Daniel Toroitich Arap Moi. Uhuru is the son of the first president of Kenya, Jomo Kenyatta (1964-1978), and is vying for presidency Under Jubilee party, also an alliance of several parties.

 

Elections and businesses
In 2007, many microfinance institutions – especially those with clients with businesses located in Kibera and Mathare slums in Nairobi – had many loans defaulted as the clients were unable to pay off their loans as their businesses and properties which formed part of the collateral were burnt due to tribal clashes. This was hence a dark time for most businesses and the country’s economy. Many MFIs have therefore decided to down scale their activities especially in areas that are considered volatile. All in all, Kenyans are very optimistic that this is going to be a peaceful election and transition period as they have leant from their mistakes. No more burning of properties and killing. Many campaigns for peace have been formed, for example I AM KENYAN!, a globally backed, Kenyan driven, awareness campaign that has used photography as a platform to promote peace during the election time with the message being for Kenyans to look at themselves and others as Kenyans and not as ethnic groups. The media have also come forth to spread the message of peace to Kenyans and even came up with a debate on the 11 and 25th of February where eight of the presidential hopefuls came out to present their policies to the Kenyans. This, Kenyans believe, is a start to getting better leaders in the future as in these debates they are accountable to Kenyans on the promises they give on their campaign trails, and also issues dividing the country are addressed in these forums.

The 2002 election represented a consolidation of democracy in Kenya proving that democratic change was and is possible and increased the trust of the population that the same can happen in 2013. Kenyans hope that the new group of leaders tackle issues of insecurity, unemployment health care, education and land and that the solutions are permanent.

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The risks faced by low income people are the same as those faced by the rich people. However, these risks have greater financial impact and occur with greater frequency among the low income people. The vulnerability of low income people is exacerbated each time they incur a loss. Key risks include; death, illness or injury, loss of property (through fire or theft), natural disaster (earthquake, drought). Recurrent climate hazards challenge farmers in developing countries. Reliance on various diversification and traditional risk sharing among kin and families has had serious limitations; low income households are vulnerable to risks and economic shocks. One way for the low income people to protect themselves is through insurance.

Microinsurance is the protection of low income people against specific perils in exchange for regular premium payment proportionate to the likelihood and cost of the risks involved. It is the use of insurance as an economic instrument at the micro level of the society to enable the poor to maintain a sense of financial confidence even in significant vulnerability and to manage risks. Microinsurance is growing and expanding throughout Africa although parts of the continent remain barren of microinsurance. Microinsurance has been available to low income people in the society for a while now, risk management schemes and informal insurance are not entirely new even in the most inaccessible places; however these schemes and methods are usually limited in their outreach or cover only a small portion of the risk.

Microinsurance covers health, agriculture, death, property among other things. An ILO study from October 2009 entitled “The landscape of microinsurance in Africa” indicates that 14.7 million people or about 2.6% of the population living under $2 per day in 32 countries are covered by microinsurance products in Africa, with life insurance being the most popular (9.5% of the estimated market). This is still a small number compared to that in developed countries and with this in mind the vital aspect is to explore ways of significantly increasing the number of poor household that have access to microinsurance.

Different Models and Delivery Structures

  • Partnership between insurers and distributing agents such as cooperatives and microfinance institutions (MFIs).
  • Commercial and cooperative insurers, insurance companies, that are regulated by insurance regulations and serve low market directly.
  • Healthcare providers offering a financial package and absorbing insurance risk.
  • Community based micro insurance programs that pool funds, carry risks and manage a relationship with health care providers.
  • Microfinance institutions, NGOs, Hospitals and other insurance programs not regulated. These assume the risk of offering insurance to their clients.
  • Government sponsored or subsidized insurance schemes.

In Kenya and most parts of Africa, agriculture insurance is important due to the unpredictable weather patterns. This has brought about programmes to help minimise the losses. In Kenya for example, a new program called Kilimo Salama Plus (Safe farming) compensates farmers for investment in seeds, fertilizers and other inputs lost due to insufficient or excessive rains. Kilimo Salama – an initiative of UAP insurance, Syengenta Foundation and mobile operator Safaricom – goes an extra mile to give farmers an opportunity to insure the value of their harvest. This programme is available to farmers in the productive regions of Kenya, including Eldoret, Kitale, Embu, North Rift etc.

Challenges Faced by Microinsurance Providers

  • How to reduce administrative cost for all the parties involved.
  • Creation of awareness – This is usually time consuming and costly as most low income people do not understand insurance or even are biased against it. Many are sceptical about paying premiums for possible future benefits hence it is hard to convince them.
  • Capacity building among stakeholders – This is to enable development, sell and manage better products.
  • Delivery Channels – How to enhance effectiveness and curb risks in terms of improving providers’ familiarity with the preferences and behaviour of the low-income clients.

Do MYC4 Partners Offer Microinsurance Cover?

Most of MYC4′s partners offer microinsurance to their borrowers so that the loss is minimised. Tujijenge Tanzania Limited for example has a cover for their borrowers in case the client dies, has a permanent disability or directly encounters a catastrophic event, while SISDO covers their clients in case of death, fire and natural calamities.

Below is an example of insurance information on one the loan products on the MYC4 platform:

Without microinsurance, low income people mostly deplete their savings, sell productive assets, default on loans, reduce spending on food and schooling, etc.

If governments, donors, microfinance institutions and development agencies across Africa are serious about eradicating poverty, then should microinsurance be one of the tools in their programs?

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Back in January, we set out some targets for the year ahead. We wrote:

A key opportunity for 2012 is portfolio growth. We have spent the last 1-2 years on improving the MYC4 business model, our organisational capacity and procedures, as well as our local partner network, meaning that our focus has been on quality rather than growth. We feel that we are now ready to start growing again, and we are experiencing a pull from MFIs that are interested in joining the MYC4 platform. Rest assured, we will not forget our (tough) lessons learned: quality must always remain at the centre of attention, and we strive for controlled growth with good quality loan providers.

The best way to measure our growth is to look at the Outstanding Loan Balance (OLB), that is the total outstanding principal on our active loans. When we started the year, we had an OLB of around 1.2 million euro in 1,200 loans; last week we hit the 2 million mark and we now have more than 3,000 active borrowers. Our overall goal for the portfolio is to end the year at €2.5 million – a target that is still within reach provided that the growth of the year’s first 9 months continues through this fourth quarter.

Another challenge at the beginning of the year was a lack of portfolio diversification country and provider wise. More than 53 % of the portfolio was at the time concentrated in Uganda while Rwanda (17 %), Kenya (11 %), Ghana (11%), and Tanzania (8%) shared the rest. The key issue at the time was that one provider, Gatsby Microfinance Ltd, was alone holding 43 % of the total portfolio. In this regard, the picture has also improved: the Uganda portfolio is still large at 49 %, but it is now held by three different providers and Gatsby’s share is slowly coming down (currently at 37 %); the Kenya portfolio has been growing steadily all year with the introduction of three new providers – KEEF, Yehu Microfinance Trust, and SISDO – and increased activity from Micro Kenya. It is now at 29 % and still growing, even with the exit of Fusion Capital, Growth Africa, and Makao Mashinani well underway; the third focus country for MYC4 is Tanzania where the portfolio has traditionally been small. The results of increased activity from Tujijenge Tanzania and the introduction of BELITA to the platform can be seen on the portfolio size which has grown to 14 %. It is furthermore expected that a couple of new MFIs from Tanzania will be joining the platform in the short to medium term. Evidently, the portfolios in Ghana and Rwanda have been reduced significantly in the same period (to 2 % and 5 % respectively), but we see that as a positive development as we deepen our presence in the three focus countries.

Outstanding Loan Balance and concentration of the MYC4 Portfolio

In terms of the portfolio quality, we were happy to report on another strong quarter in the recent Portfolio Performance update. The main challenge at the moment continues to be the liquidity situation on the platform – the loans in need of funding are plenty, but the capital available to fund them will need another boost if the growth is to continue.

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Last week MYC4 was featured on How we made it in Africa, in their Business Focus section. How we made it in Africa is an online business blog where readers can access news and development information from across Africa.

Eric Naivasha, MYC4′s Africa Director, is interviewed by Difin Mulupi. In the interview, Difin and Eric talk about what MYC4 is, how our business model works, whether the business model can be profitable for MYC4 investors, who can invest on MYC4, the impact MYC4 has had on African businesses, challenges and future plans.

One of the interesting things that was mentioned and we would like to highlight from the interview is our future business plan;

We want to move into the rest of Africa by 2015. We will be looking at the Southern African and West African regions. We also want to register a lot of business, like MYC4 East Africa Limited and have local shareholders. We will also expand our partners to about 45 micro-finance institutions which will use MYC4 as a funding platform.

If you want to read the rest of the interview please follow the direct link or click on the picture.

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Last week, MYC4 visited the Nairobi International Trade Fair. The fair – which opened its doors from 2-7 October 2012 – had its theme as Enhancing Technology in Agriculture and Industry for Food Security and Natural Growth. It took place at Jamhuri park which is to the south of Kibera and showcased the best of Kenya’s commerce and agriculture.

Popularly known as the Nairobi Show, it first began in 1901 and was known as the Royal Agriculture of Kenya until 1963 when it changed its name to Agriculture Society of Kenya. In 2002 it became a trade fair. This gave both local and international exhibitors a chance to showcase and promote their services and products. Before, the queen was the patron, but that changed after independence where the then sitting president became the patron.

An agricultural  exhibition

Many schools took the opportunity to educate their students as the fair presented an opportunity for them to see for themselves how businesses work and to ask questions to the business people. There was a rich selection of exhibitors from all over the world who represented all sectors of the economy. Mostly, the livestock, trade and industry had something special and unique for those who attended to see and learn from. Most ministries’ had stands at the show ground which were divided into streets and showcased all services and products they provide, some had items for sale at a promotional price while others had free samples. This was a good way for those attending to learn of what the government was doing through the various ministries.

After an educational tour around the fair, most of the children joined the funfair grounds. The games in the funfair included: the merry go round, giant slides, jumping castles, mini train rides, go-carting cars, horses and camel rides. Laughter and screams of delight filled the air as children had the time of their lives.

At the funfair

This was made possible by a company of performers who had traveled far and wide to come and entertain school children and their parents. These included clowns, acrobats, magicians, artists; all who had unique displays of talent to delight their young audience. The children had their faces painted or wore face masks, had their share of goodies, from ice-cream to cotton candy and chips. The fun goes on, where the children learned of the different types of livestock and how to take care of them.

MYC4 managed to visit some stands, which included the Ministry of Livestock, Ministry of Agriculture, East African Women Entrepreneurs’ stands among other, where we saw various items show cased. This included bags from Uganda  and tie and dye fabrics from Tanzania which are thought to be the best in Africa. Mrs. Jane Munyao, an exhibition officer at the East African Women Entreprenuers’ stand, explained what the association deals in:

We target all the the women, the local woman in the village, as long as she is in business. We train them so that they acquire skills, take them on exposure tours and so on. Our products are sold both locally and internationally.

Mrs. Jane Munyao at the East African Women Entreprenuers stand

The Ministries’ of livestock and agriculture were the most visited by agriculture students and researchers as they went there to find all the different kinds of livestock and plants, from giant bamboo trees, the largest of cows to the biggest cabbage. All these created a good environment for learning.

For the young adults and the young at heart, the entertainment went in a different direction with dance and drinks and roasted meat. The trade fair grounds have a space set up to discotheques and barbecues, with live bands and artists from all over Kenya. These took place throughout the trade fair period.

Yes, the circus was in town and it was not business as usual!

The Acrobats

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Thika Road is a major road in Kenya linking the city of Nairobi and Thika town. The road has been under construction for the last five years to expand it to a superhighway consisting of an eight lanes highway. Thika road connects more than 500,000 people from Thika and all the estates along it to Nairobi.

The Nairobi-Thika road used to be characterized by traffic that increased with time as a result of urban population along the route. Before the development, the physical condition of the road and limited capacity were associated with long queues of cars, significant travel delays, high fuel consumption, high vehicle emission as well as massive inconveniences. Most people complained about the wastage of time and resources by the people commuting to the city and other destinations. For someone travelling to the city it would take them close to two hours to travel less than 20 kilometers. It was worse for the people on transit to other parts of the city; they had to wake up in the wee hours of the morning so as to get to work and places of businesses on time. This always made the affected people tired and fatigued. Road accidents were also common especially with long trailer drivers who found it difficult to go up the hills and even go down the hills, and motor vehicles whose drivers thought the road too narrow.

All this has changed since the construction of the Thika superhighway which is still underway. Gone are the days when people would wake up so early and get to work fatigued due to traffic, getting to town now takes 20-30 minutes. The road does not have potholes and eight lanes is a clear contrast from the narrow road it once was. The hills no longer exist – it is a smooth ride to work and business (see small video below).

Benefits of the construction of the superhighway

  • Commuters and business persons ferrying goods to the city and other destinations have something to smile about; before the cost to the city were too high and even higher when it rained because of the traffic, the prices kept fluctuating and it was never clear of the amount to be charged at a particular period. Now, the journey to the city has been cut by more than half in terms of hours and the cost has also reduced significantly.
  • With good infrastructure comes development, and this has been the case in the areas where Thika superhighway passes. From lighting of the streets, to improved security, employment and business ventures, the residence of areas around Thika superhighway do not have a lot to complain about now.
  • Business has also boomed, from small businesses to large businesses. With the installation of street lights and improved security, the street vendors can work until late and are even thinking of working 24 hours. This has increased their profit, their livelihood has improved, and they are able to take their children to school, pay the rent and provide for their families.

MYC4 borrowers

Anne Wanjiru Muraya and Mary Wambui Ngima are two business ladies who have borrowed money through KEEF on the MYC4 platform. They both have their businesses along the superhighway. Anne Wanjiru had this to say about business before and after the reconstruction of the superhighway:

Before, business was not doing well because we had limited business time and the little we got from the business was shared with the city council. Now business is doing okay regardless of the dwindling economy, we get something to support our families because of the security we enjoy and the good working hours.

Mary at her business near Thika superhighway

Anne at her business by Thika superhighway

Property developers have had the value of their properties rise up to 5 times or more as a result of better infrastructure along the 50.4 km highway. Rose Njoroge, a landlady in the area, had this to say about the superhighway:

Property is selling like hot cake along Thika superhighway, like here in Kahawa, plots for sale went for around 200,000 [shs] just a few years ago, but now without 2 million you cannot get a plot. Everyone is coming to Thika road and because of the high demand, property prices are going up.

Over 3,500 Kenyans worked in the reconstruction of Thika road throughout its span period, and with large investors such as Nakumatt (a chain store super market in East Africa), there is a possibility of more people living along the superhighway benefiting from employment hence residence are eagerly waiting for it to open. Supply of vegetables and other fresh food stuff to the supermarket will be easy and timely as it is strategically located near farms.

Superhighway of money or not, Thika superhighway has truly changed the lives of many Kenyans and the economy of the country at large.

A drive from Thika to Nairobi; not a pain anymore.

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When I was hitch hiking the US as a young man in the seventies I sometimes had to spend the night in bus depots or open-round-the-clock restaurants. One of them was a restaurant called “Jack in the Box”, a chain of burger joints with lousy coffee and big ambitions. One night I was staring at their motto over my umpteenth cup of stale  brew. The motto said: “ Watch out McDonalds – we’re coming!” Meaning, of course, that the little Jack would eat the great Ronald McDonald for breakfast sooner than he could count all his billions.  We all know that didn’t happen, but I came to think about that motto, when I visited a small shop in the Nairobian neighbourhood, Kawangware.

Behind the counter was Josephine Wlangui and husband Patrick Kanja Ragae.  Jack in the Box was open 24/7 – Josephine and Patrick not quite so many hours, but from 7 in the morning till 7 in the evening they are open for business, 12 hours every day, only closed during church time on Sundays. To the customers the shop is just a hole in the wall, where you place your order. We’re not talking supermarket or self-service here.

- You have to be there for the customers, otherwise they will go elsewhere, says Patrick as he’s paying attention to a customer, who’s buying a couple of cigarettes. The purchase is quite typical: People buy little at a time, a few biscuits, a bag of rice, a bottle of cooking oil, but this has not stopped Patrick’s ambitions.

- We’re doing well, but we would like to take it further. A real supermarket is my plan, and since you ask why not supermarkets all over, even in other countries, Patrick dreams on. And this is where I think: Nakumatt, go home!

Their shop is eight years old, and they have two employees who bike around the neighborhood with goods. They have three children and live with some family but would like to have a house of their own. They are on their second loan through Micro Africa (100.000 Kshs), the first (30.000 Kshs) was paid back on time. They have no problems paying and would like a third loan. With me this morning is branch manager from Micro Africa Jobes Omondi, and Patrick enthusiastically asks him what the limit is. – It can go as high as 1 million Kshs,  Jobes tells him.

Loan officers from Micro Africa come around every so often and can see for themselves that everything is running smoothly. Jobes Omondi:  – The good thing about it is that they are a couple. Family stability is a big issue for us in the micro finance world. They are both aware of what it takes, and they have a good customer base. The wife is really good, and they are good with money.

Most likely Josephine and Patrick will not push Nakumatt aside any day soon, but less can do it, and there’s no doubt in my mind that the ambitions are there in the small shop in Kawangware as well as a will to work hard for it.

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A member of the Atamaisi Disabled Farmers Group

Ability beyond disability – this is how we should see the disabled people in society. Gone are the days when people with disability were thought to be a nuisance and an object of pity to the Kenyan society. The notion that their work was only to beg by the street corners or when they were not allowed to borrow money from financial institutions etc. is so backwards. Disabled people in society have come forth to let the society know that there is nothing wrong with them, that with a bit of empowerment and acceptance they can do as well as any other person. When educated, they can perform well if not better than any other person – graduate, get jobs and fend for their families. When empowered, they can operate businesses just like any other businessman/woman.

This is well demonstrated by Atamaisi – a disabled farmer group. This group was formed in July 2011, consists of 25 members 14 of whom have borrowed money on the MYC4 platform through Tujijenge Uganda. This has made it easy for them to access financial services and their businesses are doing quite well. The businesses range from bicycles repair shop, tomatoes selling shops, rearing of livestock, to baking of small cakes etc. The group has members with various disabilities – some are lame while others are deaf – from Uganda. This group hold meetings twice a week on Mondays and Saturdays and have good credit history with Tujijenge Uganda. Some of the challenges the group say they face include:

  • They are left out when it comes to NGOs and government programs. This is particularly ironical since these programs are meant for the empowering of the disabled in the community.
  • They are still looked upon by part of society as people who are not productive.
  • They are unable to walk long distances especially to the special programs which are usually organised by the government and NGOs and held in the cities and town area.

Atamaisi Disabled Farmers Group was formed so as to enable its members fight poverty as the level of poverty among them was rising, they also wanted to form a village savings bank to enable them save and access financial aid, they wanted to start businesses and support each other so as to survive and they wanted to earn their daily bread and to educate their children so that their future may be bright. Betty who is disabled and a member of Atamaisi Disabled Farmers Group had this to say:

“I have accepted the situation and strive to work hard since I believe disability is not inability. I can bring food home and fend for my family unlike some people who say they are “normal” and cannot take care of their family due to alcohol abuse.”

In Kenya in the current past and even now, women and children with disability have been more vulnerable to sexual violence, with children being more in danger of rape and verbal abuse by people who deem them lesser human beings. Duncan Mwangi of the Association of the Physically Disabled Kenya says that the society perceives disabled women as a bad omen. He continues to say that there are cases where women who gave birth to disabled children were divorced, and also that some families tend to lock their disabled children indoors to hide them from society. These children or persons with disability are sometimes not allowed to mingle with their age mates, go to school, access medical facilities and they also face attitudinal barriers from society etc.  Sometimes some are forced to live in unhygienic conditions as no one is taking care of them. In some instances, the persons with mental disability were tied up in a room or a tree. To date, society has not fully accepted people with disability. This is however gradually changing with more campaigns advocating for the rights of people with disabilities, which are not only done by foundations but also by churches, schools and the society at large.

The disabled persons have as well come out to educate the rest of the society that disability is not inability, that what they need from the society is :

  • A sense of belonging and acceptance in society
  • That the society focuses on their abilities and not disabilities
  • To be included in decision making, more so when the decision made is about their lives
  • Patience and tolerance
  • Guidance and counselling
  • And empowerment, not pity.

In Kenya, several programs have been organized to educate the society on the rights of the disabled; several associations have also been formed to advocate for the disabled persons rights. Some of the most recent campaigns in Kenya include :

  • The Ability Beyond Disability (niko fiti) campaign – This is aimed at sensitising people with disabilities to increase their participation in community and social life; they were presented with assistive devices e.g. wheelchairs, white canes etc that would help them in carrying the day to day activities.
  • The Bring Zak Back Home campaign – This is a fund raising initiative aimed to raise 250 million Kenyan Shillings (approx. 2.5 million euro) to build a spinal injury treatment centre in Kenya that can accommodate up to 75,000 spinal injury cases. This initiative was launched by the local charity Kenyan Paraplegic Organization (KPO) which works to help people living with serious injuries of spinal cord injury in Kenya.

Disability is clearly not inability as the Atamaisi group has proved. Let us all do our part and empower the disabled in the society and help eradicate the stigma that is associated with disability and poverty.

The Kenyan society has come up in their numbers to fight the social injustice people with disabilities are facing. They have done this through campaigns and even songs as in the case of gospel artists Daddy Owen and Denno, who in their song ask why the disabled in society are being isolated and victimised. See their music video below.

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