City classifieds Edition 58

CITY Classifieds Affordable, Effective Advertising

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How to Retain Your Customers

Classifieds Affordable, Effective Advertising

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Whysave in a Sacco & not bank

I

n Kenya it's either you save your money in a SACCO, a Bank or purchase real property with your surplus cash.

Two decades ago, there were few banks in the country, those which existed only operated from major towns only.

This led to emergency of SACCOs in small towns to cater for the services of farmers and few individuals who wanted to save their little cash.

Over time, it has b e c o m e increasingly important to have both SACCOs and Banks because people never trust Cont. Page 2

Published BI-weekly in Nairobi Kenya by: ROYAL SHOPPERS MEDIA, Agroho Hse, Nairobi. Enquiries Contact Tel: 0724512194, Email; brandskenya@gmail.com

Cont. Page 2

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How to create a lasting relationship with your customers Continued from page 1

Why save in a Sacco & not bank

Continued from page 1

their neighbors with money anymore. One worrying trend emerging from the Kenyan population, especially the middle class, is their desire to save in SACCOs than banks. There is something very important motivating them to save in the SACCOs. Savings and Credit Cooperative Societies are important institutions in the country. One of the major reasons why most people prefer to save their money there is the huge amount of interests the money attracts. Since SACCOs are primarily not meant for posting huge profits, they do everything to make their customers happy. Once your money is in a savings bank in any SACCO, you are assured of making some cash out of it.

A friend of mine who has worked for Kenya Airways for 10 years was initially struggling to save money to buy a plot. After being initiated into Mwanda Ndege SACCO, he saved Ksh 200,000 for two years. Later, was given a loan of Ksh 700,000.He used the loan to buy a plot in Kamulu and is now building a house.

What was amazing is that the loan was attracting interest rate of 1 % per month, which is son insignificant as compared to interest rates charged by local banks. Soon, he will be a proud owner of a home in Nairobi.

SACCOS also buy land and sell it cheaply to their members. This is one thing that makes many Kenyans proud. You might get a SACCO selling a plot in Kitengela to its members at Ksh 150,000 and if you move 10 meters from the location, you will be shocked to find an individual selling a plot similar to the one owned by the SACCO at Ksh 500,000.

In 2010, one of my colleagues joined a SACCO in Nairobi. He started buying sharing worth Ksh 5,000 every month. Today, he has over shares worth over Ksh 300,000 in the SACCO. He is a happy man because each year he is assured of Christmas from the SACCO in terms of dividends. Unlike banks where shares trade at prices which ordinary Kenyan is unable to buy, shares from SACCOs are always affordable.

It's very hard for Kenyan SACCOs to make losses.

Once you have your money in a SACCO, you are assured that it's safe and chances of making losses are minimal. I have witnessed several banks closing down because of being declared insolvent, but never have I witnessed a SACCO in Kenya going through receivership or failing to meet members' targets.

SACCOS like Ushuru, Stima,and Harambee have grown so big that they're threatening the existence of banks in the country

CITY CLASSIFIEDS

KCB bank half year profits up 14%

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strong performance in its home market helped KCB Group, Kenya's largest bank by assets, to report a 14 percent rise in first half pretax profit, offsetting a weaker return from South Sudan.

KCB Group also said a rights issue

Pretax profit rose to 15.1 billion shillings in the first six months of the year, with Kenya contributing 14 billion shillings.

"The Kenya business continues to show strong momentum and so are new business lines like Bancassurance, KCB Capital and Sahl Banking," Joshua Oigara, KCB's chief executive officer,

Customers at a kcb Branch planned for later this year to raise 10 said in a statement. Sahl Banking is the billion Kenyan shillings ($99 million) company's Islamic banking arm. had been rescheduled, citing a strong The bank is benefiting from economic projected cashflow for the full year. It growth which rose to 5.9 percent in did not give a new timeframe.

Kenya in the first quarter of 2016.

By contrast, South Sudan's economy has CEO: Joshua Oigara been hit by a twoyear civil war that started in 2013.

A peace deal signed last August to end the war is in jeopardy, after fighting broke out in July between soldiers loyal to long time rivals President Salva Kiir and Riek Machar, who was replaced as vice president after he left the capital.

"South Sudan remains challenging arising from the uncertainty following fresh fighting and tension between the two main political factions," Ngeny Biwott, KCB's chairman, said in a statement.

The bank said South Sudan's contribution to profit had fallen to 4 percent from 6.9 percent in first half 2015.

The bank, which also operates in Rwanda, Burundi, Tanzania, Uganda, said its total assets fell 1 percent to 560 billion shillings, while customer deposits fell 2 percent to 433 billion shillings, both attributed to the devaluation of the South Sudan pound.

It said net interest income rose 16 percent to 22.53 billion shillings in the first half, while net loans and advances were up 8 percent to 347 billion shillings.

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A-Z of buying a computer in kenya

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eciding on which computer to buy can be a daunting task for the average student who is not a techie.

Computer salesmen take advantage of this to swindle customers.

However learning a thing or two about computers may help you avoid this.

Before you buy a computer there are certain specs that you should be well aware of beforehand. Some of these include: 1. Processor.

This is the brain of the computer and is where the computer does all its work.

Processors come in different types and speeds depending on the generation of the processor. The most common are duo core, corei3, corei5 and corei7 in ascending order of superiority and speed. The faster the processor the more expensive the pc or laptop so if you are a regular Microsoft Word user, you don't need a very fast processor. A duo core should be enough.

Therefore a prospective

Wanjukuu Plaza( Former G-Mart, Githurai 45, Next To Bingwa Sacco)

computer buyer must be able to judge a computers speed based on

the processor type and speed.

2. Random Access Memory (R.A.M) Random Access Memory commonly referred to as RAM is a virtual memory that the computer uses to store data that it repeatedly uses.

The higher the ram therefore the higher the number of processes that the computer can support concurrently. Amount of RAM required for a user depends on what the user does with the computer. The average computer user would sit comfortably with 4GB of RAM however heavy games and anybody doing graphic and video processing should have RAM of up to 16GB. 3. Hard-disc/Hard drive.

This is where the computer stores all its data. It should be noted that harddisc space has no influence over the speed of the computer and is usually a matter of preference for the computer user. The standard space is 320GB which is more than enough for an average user.

4. Operating System This is the software that runs and manages your computers. The average Kenyan computer user would prefer the Windows Operating system since they are well accustomed to it and it is very easy to learn as opposed to other platforms.

However more advanced computer users would go for other platform like Linux, iOS and Solaris. Apple products are also easy to use but their exorbitant prices keep them out of reach of the ordinary Kenyan.

Keeping the above mentioned things in mind, the average lay man should now find buying a computer not as hard as originally perceived.

However one should be cautious and steer clear of dubious computer shops and dealers, stick to the wellestablished and well known computer shops, where you can get a warrant of up to one year.

N/B: Try and avoid buying branded and refurbished computers; refurbished computers are old computers that have been renovated and repackaged to be sold as new whereas branded computers are cheap knock-offs of well-established computer brands. But they still work if you are on a budget.

CITY CLASSIFIEDS ADVERTORIAL It’s free WiFi for Kiambu, Says Gov. Kabogo

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esidents of Kiambu County in Kenya will in coming weeks enjoy free, fast and reliable public WiFi connections, following a partnership with Liquid Telecom Kenya.

Kiambu County Governor William Kabogo explained that the WiFi hotspots will help county residents get access to the information required for services such as applications for business permits among other services.

“The WiFi initiative is driven by the county's mission to better use technology to improve service delivery for all Kiambu County residents,” he said.

The high capacity WiFi network will cover a 5km radius from the Central Business Districts of each of the county's four largest towns, with a capacity of 10 Megabytes per second (Mbps).

Kabogo said the delivery of free street WiFi zones in Kiambu will enable rapid access to information vital for economic and educational development in the county.

Kiambu County ICT Director Douglas Njiraini said the Kiambu WiFi connection will be rolled out in phases, with the first phase being installations in Thika, Kikuyu, Ruiru and Kiambu towns.

“It is not just people in hospitals that will have access to the Internet, but businesses and offices around the point of connections will also benefit. These locations were chosen because they have the highest number of human traffic, highest concentration of businesses and offices, and thus they are expected to have the most impact,” he said.

The first of the new WiFi installations will be at Thika bus stop and the Level 5 Hospital; at the Ruiru sub-County Hospital and bus stop; in Kiambu town, near Kiambu Hospital; and in Kikuyu; at the sub-County offices, main stage, market and at Alliance Bus Stop to serve the main Kikuyu Mission Hospital, two universities, one college and

15 schools.

The rest of the county's remaining sub-Counties, Limuru, Kabete Lari, Gatundu South, Gatundu North, Githunguri, Kiambaa, and Juja, will be connected in the second phase.

“The aim of this project is to promote the use of ICT among the people of Kiambu, encourage innovation, and bring services closer to the people, by improving service delivery through the Digitika Portal,” Njiraini said.

The Digitika Portal enables residents to log in and request services from the county as well as make online payments using M-PESA, Airtel Money, Visa or MasterCard.

Bank statistics showing that a 10 percent increase in Internet access results in approximately 1 percent of extra growth in Gross Domestic Product (GDP) per year.

Internet access has been widely tipped to be the key differentiator in Kenya's economic performance, creating at least 1,000 jobs a month in the business process outsourcing sector since 2013, according to the ICT Authority of Kenya.

“Free WiFi is a facility that is gaining traction globally.

The Head of Government Affairs at Liquid Telecom Kenya, William Oungo, said affordable Internet access should be seen as a basic need, necessary for the public to access information, adding that unemployed youths are locked out of accessing the Internet because of lack of disposable income to purchase data bundles.

The free hotspots now being set up in Kiambu are using the same technology as has been deployed in Nakuru for the Bilawaya project, initiated by the President's Office and implemented in partnership with Nakuru county and Liquid Telecom Kenya.

The Bilawaya project won the 'Best WiFi Deployment to Connect the Unconnected in Rural Environment' award during the World Wi-Fi Day Awards held in Liverpool, in England, last month.

Research shows there is a direct correlation between Internet access and economic growth, with World

Kiambu County Governor William Kabogo And it is time for Kenya to be on the same level of technological advancement as other countries in the world. It is for this reason that we at Liquid Telecom Kenya are committed to ensuring every Kenyan has access to the Internet as we aim to provide free WiFi across all towns in the country,” said Oungo.

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Classifieds Affordable, Effective Advertising

From the experts in advertising, Brands media brings you the City classifieds, a bi- weekly advertising publication that seeks to market your business This is made to make it ease for shoppers to find your offers.

A quantity of 5,000 copies is distributed on one on one basis to businesses/offices and the public in Nairobi and Environs Boxed Adverts @ kshs 1500/= You can pay through Mpesa Till: 999297, Cash, Or cheque Book your advertisement today for Our next edition set for 1/12/2015.

Call Stephen Matata on 0724512194 Email: brandskenya@gmail.com

Cont. Page 14

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Traditional midwives in frontline of drive to cut maternal deaths

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y the time she was three months pregnant, 24-year-old Cynthia Salome had already decided that she wanted her husband's grandmother to be her midwife when it was time to give birth.

She felt more comfortable in the hands of Roselinda Akumu, the oldest midwife in the village of Manyatta, in Kenya's Kisumu county.

Akumu, 78, delivered her first baby in the 1960s and has lost count of the number of mothers she has helped.

So when Salome's labour pains begun in December, her husband took her to Akumu's home. She was hoping to give birth to her first child there.

However, Akumu, one of the village's 10 traditional birth attendants who are attached to nearby Migosi Hospital, decided that the birth was complicated and the expectant mother should be admitted to hospital.

"I was in labour for a long time and gave birth in the morning of the third day," Salome told the Thomson Reuters Foundation.

"All this time, Roselinda was by my side," added Salome who now has a healthy, seven-month-old son.

Kisumu County in western Kenya has begun an initiative to involve traditional birth attendants in interventions to curb maternal deaths.

The midwives are taught about the dangers of unskilled deliveries and assigned the task of referring pregnant mothers to hospital.

For every referral, a traditional birth attendant at Migosi Hospital is paid 300 Kenyan shillings.

Health officials in Kisumu hope that hospital deliveries will improve the overall health of women and children.

Maurice Otieno, Kisumu county's director of health services, said that it was worrying that almost a third of pregnant women in Kisumu County were not delivering in hospital.

"The policy direction is to re-orientate traditional birth attendants, train them and task them with referral of pregnant mothers," Otieno told the Thomson Reuters Foundation.

According to a 2014 report from the United Nations Population Fund (UNFPA), 488 expectant mothers die per year in Kenya per 100,000 live births. This compares with just six deaths per 100,000 births in Germany.

Kisumu is among the counties with highest maternal mortality rate in Kenya with 495 mothers dying for every 100,000 births. In the remote and poor eastern areas like Garissa and Mandera, the maternal mortality rate is even higher.

Otieno hopes that once the hospital initiative is implemented throughout Kisumu county, the maternal death rate will fall.

So far, the number of women delivering in the pilot hospitals like Migosi has more than tripled since the intervention began in 2014.

MATERNITY WING FULL On a typical day at Migosi Hospital, almost two dozen new mothers queue to be seen with their newborn babies. "Referrals by TBAs (traditional birth attendants) have increased the number of women coming in for clinics," said Kennedy Ondito, the doctor in charge of the hospital.

The maternity wing is also full with mothers who have recently delivered and others waiting to deliver.

"Before the intervention started, we could go a whole week without a single delivery and in a month we could deliver less than ten but now we are doing over 50 deliveries a month," Ondito told the Thomson Reuters Foundation.

In case of emergencies whereby the mother or child are at risk and where the hospital is too far, traditional birth attendants are encouraged to conduct the delivery first then rush the mother to hospital.

"Our skills are still recognised because we are the first ones that the mothers see before we take them

to hospital," said Roselinda Akumu, the midwife. "I can still deliver an emergency birth but after that I have to take the mother to hospital where they have better equipment. Things have changed nowadays."

The training of the traditional birth attendants has also helped in preventing mother to child transmission of HIV. This was the case with Akumu's neighbour, Phoebe Awino, 20, who is HIV positive.

"Roselinda advised me to go to hospital when I went to see her when I had abdominal pains. It was during my prenatal clinics that I was tested and found to be HIV positive," Awino said.

She told Akumu who insisted on the importance of delivering in hospital in order not to transmit the virus to her baby.

"I was happy when I was told that my child was HIV negative. I realised that it was a good decision to give birth in hospital for me especially," Awino said.

(Editing by Ros Russell; Please credit the Thomson Reuters Foundation, the

charitable arm of Thomson Reuters, that covers humanitarian news, women's rights, trafficking, corruption and climate change.