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Starting a business is a leap of faith even in the best of circumstances. We at Kuza Biashara are focussed to encourage these daring small business owners who have the potential to innovate and change the world by contributing to the nation’s economy and livelihood.
About Kuza Biashara

About Kuza Biashara

Starting a business is a leap of faith even in the best of circumstances. We at Kuza Biashara are focussed to encourage these daring small business owners who have the potential to innovate and change the world by contributing to the nation’s economy and livelihood.

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When Doing Something You Love Also Earns You a Living.

When Doing Something You Love Also Earns You a Living.

There was a time when the most important beauty enhancement product a woman owned was an eye pencil lipstick and powder. This was a very tricky situation as the powder was white and only favored the light skinned ladies and had the dark skinned ones looking like they had just taken a swim in the waters of river Nyando. There were very few professionals and there was no YouTube to offer tutorials so to add salt to the wound most people did their makeup themselves and it was a sight to behold. 

Today we don’t have this problem. With online shops people have access to the best makeup suitable for different skin tones available both locally and from abroad. Thanks to beauty schools and YouTube people have perfected the art of applying makeup. This has also given birth to a lucrative business by makeup artists. One such beautypreneur is Linda Njambi.

It all started with a passion for hair and beauty products in high school but she knew it could not be the main source of livelihood so she went on to college studied something totally different from beauty and even got a job in sales and marketing. After a short while in the job Linda decided to perfect her craft through watching YouTube videos on makeup and making wigs. She would do it as a side hustle.

“I was the go to person in my high school if you needed your hair done so I’d say this is something I was interested in from a very early age. In 2017 I realized that I could do it as a fulltime business. Getting consistent clients was the first challenge as this was now my income generator and I needed the money. I used mostly IG and FB to market my business Make_up by Linda and I still do up to date. I had to become very active on social media as there are many people offering the same service so you either swim or drown. “

It helps that Make_up by Linda works with a variety of clients ranging from individuals weddings baby showers, photo shoot etc. Those provide a wider pool of clients.  She also sells the makeup products hair wigs and offers short course classes to empower her fellow youth to be their own bosses.

One of the lessons she learnt when starting the business was to be positive but also be prepared for the worst,

“Don’t have such high expectations when starting out especially when dealing with a luxury product. You need a lot of patience and perfect your people skills as it will involve a lot of talking, interacting with people and convincing people that they need the service despite it not being a basic need.”

When asked about friends who take advantage and request for free services Linda emphasizes as an entrepreneur she has to be firm and make them understand that this is her business and she needs to grow in it.

 “A good friend is one who supports you, not one who brings you down by asking for free services.”

Make_up by Linda is located along Moi Avenue street and she says what influenced the location is how easily accessible it is and the heavy human traffic along that area.

She is motivated by the positive feedback from clients. When she sees her clients happy and getting compliments she feels encouraged to keep doing what she does.

Her parting shot for upcoming entrepreneurs, 

“Take risk, give it your all and despite it not being easy don’t give up, nothing comes so easily.”


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What to Consider When Starting a Welding Business

What to Consider When Starting a Welding Business

This is a very lucrative venture as so many long-lasting equipment is made out of metal
Here is a list of things to consider before you set it up.

Getting your welding equipment

Some of the factors to consider when getting equipment are the cost of accessories that come along with buying the machine as well as the availability of spare parts in Kenya. It is also good to look at the authenticity of the company selling as well as the warranty of the machine. The best warranty on offer currently is 2-3 years. Also, beware of counterfeit and cheap machinery, go for companies that are recognized. Lastly buy equipment suitable for the kind of work you will be doing. some of the welding equipment available in the country include Gas welding equipment for the heavy metals, Stick or Arc welding equipment for mild steel, alloys repairs, and maintenance, Mig welding equipment for a broad range of materials and thickness,

Getting your metal

Metals used in welding include steel, aluminum, alloy, copper, etc. It all depends on the product you want to make as different items require different metals. Products could range from jikos, window grills to chaff cutters. Identify a reputable company that you can source your metals from.

Location

Ensure you are as close to the road as possible since it is most likely that you will be working on big and heavy products. Clients need to know that they can easily access you.

Keep up with trending designs

If you are setting up a metal fabrication business it’s advisable that you specialize in making specific products as opposed to shaping and bending anything metallic. Perfect your art and always keep yourself updated on emerging trends. If you make gates, for instance, ensure you know the latest designs.

Marketing

Social media has made marketing much easier. Take good shots of your product and post them online along with details such as your location the price and contact number. Also, encourage your clients to recommend your product to their friends as the referral is the number one marketing tool in such a business.

Pricing

Since you are new to this field make sure to conduct research. Find out how much other metal fabricators charge for their services and products. You don’t want to be the new kid on the block charging way more than the established ones when you still have a lot to prove to the clients. Strike a balance between being affordable and making a profit at the same time.


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Njeri Kabiru Is Proof That If You Are Passionate About Your Craft It Will Show

Njeri Kabiru Is Proof That If You Are Passionate About Your Craft It Will Show

Where we grow up has an influence on who we become. We can choose to use our background to cry and complain or we can use it to create a beautiful story that can only be compared to a breathtaking piece of art.

Njeri Kabiru’s story is one such breathtaking art. Having grown up in Dandora, a well-known damp site in Nairobi, there was no lamenting about her environment but rather turn the waste into fine art literally. She converts waste tyres into furniture and wine bottles into flower vases and lampshades among other things. It helped that she is a creative person, so when creativity, passion, and hunger to make a difference in the environment met the results were mind-blowing! And voila! A business was born.

“I have always been a creative person and even as a child I would draw in my books and most of the time I would be discouraged that nothing much ever came out of being an artist. As an adult, now I get where they were coming from. There is not enough support in this industry. I have seen so many artists give up and let go of their crafts to venture into other fields. For me, that is not an option. My art is my baby.”

Njeri Kabiru

Njeri, a mother of one, is determined to watch her business grow and flourish despite the challenges she faces. She advocates for business people not to push too fast too quickly. This being one of the lessons she learned on her entrepreneurial journey. When she started out she had no money and relied on friends and family. She would, therefore, make one table sell it and from the profit, she would make two. The cycle continued until her business began to take shape.,

“We all need a little help when starting something new. Am so grateful to my friends and family who came through when I needed a loan. Some went a step further to buy my pieces as well as referred me to more clients.”

The entrepreneur uses social media i.e. Facebook and YouTube  to market her pieces to her target audience. Her clients include homes, hotels and offices that need decorative chairs, tables, lampshades, flower vases etc.

Njeri’s motivation comes from her quest to inspire others her daughter included. She wants to show her daughter that you may not choose where you are born but you can choose where to be buried through the choices you make in life.

Her parting shot to upcoming entrepreneurs,

“Work on yourself. What you make is as important as who you are. People don’t just buy your product because it’s decorative or functional, there are probably so many more out there but they buy from you because it’s meaningful to you and they can see your passion through your work.”


Entrepreneurial Stories

From Hawking to a CEO

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From Hawking to a CEO; Fred Mugo is Proof that Dreams are Valid.
What makes a living room homely? Is it the carpet, the entertainment system, the seats, the art on the wall or a combination of all these things? The CEO of Eslis Furniture will tell you a good comfortable seat is everything. It will make you look forward to going home at any time of the day and give you the confidence you need to host friends and family.

Fred Mugo started out selling clothes at Gikomba. Although it gave him the income he needed, he did not love it as much as he loves what he does today. Designing and making seats for sale. A business idea that he got from a friend who was also willing to hold his hand and show him the ropes. They started out as partners and worked together for a while. The young entrepreneur was determined to succeed so he gave it his all. After working together for some time he gained the confidence he thought he needed to start his own venture and so
they went their separate ways.

afur “Working with a partner was easier, you have someone to brainstorm your ideas with and help you in making difficult decisions. But I had to think about my future and I knew it would not be easy; I was ready to take on the challenge. Little did I know just how stressful it would get and that is how Eslis Furniture was born.”

When setting out there are so many things he had not considered. One of those things was the employees. He understands just how important a good carpenter can be for his kind of business. For a while he kept getting carpenters who did not understand his vision. Some would even go as far as getting drunk on the job. At some point he had to take a break, and travelled to Nakuru for some serious prayers.

“I had to commit to prayers for two days because things were getting so stressful for me. I am a believer and I know that prayers work because when I got back things started looking up. I got very good carpenters as well as tailors. You need employees who get your vision to succeed at your venture.”

Fred may be having employees but for the three years that he has been running his business he has been a hands-on entrepreneur. He goes to Gikomba himself to source for the raw materials he designs the seats and also works on social media to promote his hassle. He uses mostly Facebook and instagram as well as referrals. He says most of the people who show up at his workshop along Thika Road just a few kilometers from Roysambu do so because they have heard about the good product that they sell. He strives to offer the best, especially in the competitive market. He has to make sure he gives the best.

Things are looking good. He has achieved financial freedom doing something he loves. But the journey has not been without challenges and fears. One of the fears he grapples with is the fear of making seats and they don’t sell, what then? He has bills to pay regardless of whether he makes money or not. Although that rarely happens but as an entrepreneur it gets thinking of ways you can better yourself and your product.

When asked if he would get into employment he says No

“Being an entrepreneur is so fulfilling especially if you deal with something you are passionate about. I urge the youth to embrace entrepreneurship but they should know it is not that simple. It takes a lot of work, dedication and prayers if you believe in God.


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Cassava; What The Growth Of This Resilient Crop Could Do For You Financially

Cassava; What The Growth Of This Resilient Crop Could Do For You Financially


Introduction

Cassava is one of the crops that have different end products, for one you can peel and boil the cassava tubers and take them with tea (note that not all kinds are edible in their fresh state), you can dry then grind them to turn it into flour for making ugali or porridge, cakes biscuits and doughnuts. Lastly you can make crisps and cassava chips that are very healthy and delicious. As a result of this Cassavas definitely have a big market. The Cassava crop also tolerates long dry seasons (6 to 7 months) as well as reduced rainfall making the Eastern, Coastal, Nyanza and Western Kenya ideal for cultivation of this crop.

Planting

There are varieties of cassavas depending on the region they are grown .We plant cassava by cutting stems closest to the roots. Cassava cuttings are usually collected in the field during harvesting. Improved varieties may also be obtained from research institutes or appropriate development organizations such as Kenya Agricultural and Livestock Research Organization (KALRO) .It advisable to get stems/seeds from the later since they multiply their seeds to make them resistant to diseases. Some of the diseases that attack cassava crops include the cassava mosaic and brown streak. Cassavas take 8 to 12 months to mature and require very minimal efforts in terms of weeding because once the plant is around 6-7 weeks it already forms canopy with its leaves making it difficult for weeds to thrive reducing the cost for weeding.

Cost

So just how much would you need to invest in this crop and how much should you expect in return?

Leasing land – (1 Acre) ksh.15000
Buying stems/seeds – Ksh.10000
Farm labour – ksh.20000

Fresh cassavas a bag of 90kg goes for ksh.3, 500 if your acre produced 20 tonnes that gives you ksh.777,778

Market

Marketing should not be so hard especially when you know who your target is. There are regions in Western Kenya that people swear by ugali made out of cassava, that should be your first priority if you are a farmer in that region as they tend to buy in bulk and also need the product dry increasing its shelf life. In the coastal region they lead in the processing of cassava chips and crisps. Another alternative is to join a cooperative society which buys the tubers and relieves you the hassle of having to find the market yourself. In Western one such cooperative is the Tangakona cooperative society in Busia County.

Final Word

Cassava can be combined with other crops to improve agricultural profitability and soil quality. Because of the nutrients they release into the soil, legume species such as cowpea, beans and groundnut are particularly suitable. This crop can be the financial breakthrough that you need especially because intercropping means it allows you to make money from other crops as you wait for it to mature. To reduce the cost you can use your own land if it’s in an ideal area and put on your boots together with your family and provide that free labour. The returns will be so worth it.


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Making That Christmas Party a Success

Making That Christmas Party a Success

As the year comes to an end one of the ways to close it at the office is by having a celebration. This is a time to reminisce on all of the experiences you have had at the workplace, the good and the bad. When you realize you have spent more days at your workplace, more hours with your colleagues than with your family then you definitely see the point of having a party to celebrate. It can be fun but it can also be awkward. In all honesty who wants their boss to see them dancing on top of the tables after having one too many shots of tequila? What that means is that most people will be afraid to let loose with the fear of misbehaving in the presence of their superiors. That is nothing to worry about as they are also there to have a good time so let go and enjoy the party. Here are a few tips to make the party a success.

Notice

Your end of year office party can be truly amazing, and you understandably want a great turnout. Because this time of year can be busy for many people, it is wise to give your employees a save-the-date notice at least a month in advance. You can send out formal invitations approximately two to three weeks in advance. In these communications highlight the date time and venue of the party so people can be aware in advance.

Venue

Depending on how many staff members you have you may choose to have the party at the office or at a different location, it could be a restaurant or a garden. Should you opt to go with a public venue ensure you reserve your venue early enough as they may be in high demand at this time of the year. Also make sure that your venue has enough space available for all of your employees as well as their plus ones if they are allowed.

Theme

In most offices people wear either official wear or casual wear and since this is a party, some members may be confused as to what to wear to the party. Make things easier by indicating the required color and dress code. This will boost the confidence of those attending and possibly lead to a good turnout.

Decor

A holiday party would not be a festive event without the right decor. There are some fairly inexpensive ways to decorate a venue for the holidays. You can get everyone a Santa hat or bring in a fake Christmas tree. For a more festive feel ask your DJ to mix holiday tunes into the playlist.

Food and Drinks

Avail a variety of food, especially if you have a large group of people. Everyone should be able to enjoy their meals whether they are steak lovers or vegetarians. The same goes for drinks. This is why you need to plan early enough. You could go around the office asking your members what drinks they prefer so come that day everyone is attended to. If holding the party at the office organize for outside catering and if it is at a restaurant remember to ask about the available options when it comes to food.

Entertainment

It is very important to have entertainment during this time. It is a time to relax and have fun. The best source of entertainment is music. Organize to have a dj present to play music or to control the sound if people need to make speeches. You can also ask members to prepare short presentations to entertain their colleagues.

Transport

How will people get to their homes? That is a question you should ask as you plan for the party. Make arrangements for people to be dropped off in taxis or designated drivers especially if the party ends late in the night and alcohol is involved.

Final word

After a full year of having a cordial relationship with your colleagues it’s only right that you celebrate. Reminisce on your success and draw lessons from your failure as you gear up to do better in the following year.


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You Can Either Wait For Things To Happen Or Go Out And Make Them Happen

You Can Either Wait For Things To Happen Or Go Out And Make Them Happen

A story is told of a King who asked his subjects to always cover the ground he walked on with a carpet, of course this was before man knew what shoes were .So to overcome the hardships of stepping on uneven ground and stones the king required everywhere he stepped to be lined with a carpet. On seeing this one genius villager came up with the idea of shoes which saved the Kings warriors a lot of unnecessary work as the king was now comfortable with his shoes on and did not need the carpet anymore. 

Alex Njonde finished school and like any other graduate went on a job seeking mission and hoped his guardians would help him using their connections to make the job seeking process much easier. Unlike the Proverbial King, Alex’s expectations were crushed, the job he got was not fulfilling so he quickly realized there was no carpet that would be lined on his path and had to make his own shoes and so literally the young man got into the shoe selling business.

Having friends who were already into business Alex decided to use that opportunity to learn all that he could. For instance where to get the best shoes in terms of quality and prices, the location of his shop and what type of market to target. He learnt that the best target was the youth who are always in competition to keep up with fashion trends.

How does one start a business without capital? That was the big question on Alex’s mind.

“I decided to get a job as a sales person for my friend which acted as a stepping stone for me because I learnt how to deal with clients as well as saved money from my salary so I could eventually set up my own shop”

He started with capital of ksh. 1500. This amount was only enough to buy his first stock. What that meant was that he could not afford to rent a shop however that did not stop him. He went to the market got his stock and went on to sell the shoes at the verandah of his friend’s shop. The young entrepreneur says it has been tough especially with challenges such as the weather but he is hopeful that soon he will have a shop of his own.

“There is no venture without challenges so that is never a reason to quit. Before I went into this entrepreneurship I was employed at IMAX. I went to college and studied film production but right now I can tell you confidently that I don’t want to be employed again. I am able to watch my business grow seeing that all the efforts I put in are bearing fruits.”

Alex has been able to employ people to assist him especially in this jobless economy as he puts it. He is glad to be able to help someone earn an income. As more people continue to lose jobs and universities continue churning out graduates and no jobs in the vicinity many are resorting to entrepreneurship. The young man is not fazed by competition as he thinks it’s healthy but aside from that he is very confident in his skills and believes he has nowhere else to go but to the top.


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Progress is When You Don’t Let Gender Bias Define You

Progress is When You Don't Let Gender Bias Define You

Gender equality is not a women’s issue but refers to the equal rights, responsibilities and opportunities of women and men, girls and boys, and should concern and fully engage men as well as women. It is also used to refer to the equal participation of women and men in decision-making, equal ability to exercise their human rights, equal access to and control of resources and the benefits of development, and equal opportunities in employment and in all other aspects of their livelihoods.

Most African countries continue to lag behind the rest of the world on both men and women’s participation in development, in large part due to deeply rooted beliefs and discriminatory views about the role and place of men and women in the society, which relegate women to an inferior position relative to men and result in unequal power relations between men and women. Similarly men are considered to be the superior gender hence roles such as domestic chores and some jobs like secretarial are frowned upon by the said gender. 

These discriminatory views and harmful practices often prevent both men and women from achieving their full potential as productive members of society because they result in their fear of trying out new opportunities due to the stigma that is attached to their gender and the various roles that they shouldn’t be involved in.

Take for instance the number of women in formal employment, there are so many women in the entrant positions because they are perceived to be loyal and negotiate for a relatively low pay but can the same be said about women in the executive roles? Why are there so few women in managerial roles if they are loyal? It is in an effort for women to make everyone see them as strong and equally competent that they have started taking up jobs originally perceived to be for men.

Even in countries where women are playing a greater role in development, governance and politics, such as in Kenya, women are treated and judged disparately and more harshly, by institutions as well as the public, in comparison to their male counterparts. When women vie for political position insinuations are made of their incompetence simply because they are women. Sad thing is that even their fellow women also buy this narrative and that is why the phrase women are their own worst enemies is even popular in the country. It is because of this that there are few female politicians.

On the other hand because men are perceived to be the strong gender they cannot afford to be emotionally vulnerable lest they are told they are weak. They deal with depression and mental illness silently and others even end up taking their own lives since as a strong gender how dare you seek help when society is telling you deal with your issues like a man! 

While notable progress has been made to create gender awareness efforts need to be sustained and intensified. The government needs to show their support by putting in place policies that ensure equal access to education, economic opportunities, and leadership for girls and women. Awareness has to be created among men as well so that they understand that carrying out some roles in society does not make them any less of a man. Toxic masculinity is just as harmful to them as it is to women.


Entrepreneurial Stories

Edward Kariuki Is Proof That Grass Is Greener Where You Water It

Eliud Kariuki Is Proof That Grass Is Greener Where You Water It

Have times ever been so hard that you considered going to another country to seek a better opportunity? It is highly likely that your answer is a yes. With the many job opportunities advertised in the Middle East and even adjacent countries such as South Sudan, many have packed up and left for these nations only to realize that grass is not always greener on the other side.

This is the story of Edward Kariuki a young man who started by selling Newspapers then left Kenya for South Sudan with big dreams. His plan was to sell his merchandise which included cosmetics and other beauty products until he could break even. Little did he know that the challenges would be too much to bear.

“There were so many hurdles in South Sudan that it no longer made sense for me to continue doing business there. From the insecurity to harassment from the authorities, not forgetting the language barrier so I decided to come back to my Country”

Upon arriving Edward continued with his business of hawking anything he could get his hands on in the streets. He would wake up very early in the morning to get his merchandise from Gikomba and sell them in the streets of Nairobi. Due to his dedication a good Samaritan spotted him and offered him a shop along Tom Mboya street at a small monthly fee. This relieved him of some challenges like the constant chase from county police and the weather conditions because he now had shelter for him and his merchandise. With time he learnt what products did well and where to source for them . It has been a struggle but he knows he made the right call by coming back.

“There are still challenges here but I wouldn’t compare it to how it was back in South sudan. Besides this is my passion so I wouldn’t let any hurdle get me down. I like being my own boss and cannot picture myself doing anything else. I keep pushing on because this is also my source of livelihood and I even plan to open bigger shops in the near future”

The three skills that the entrepreneur believes one needs to be successful is resilience, people’s skills and discipline, especially for young people he encourages them not to live beyond their means instead they should invest back into their business.


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Need Health Insurance In Kenya? Here Are The Top Companies And Tips On Choosing The Most Suitable One For You.

Need Health Insurance In Kenya? Here Are The Top Companies And Tips On Choosing The Most Suitable One For You.

We all become sick at some point in our lives. Research shows that many illnesses in Kenya are transmitted by insects, animals, and contaminated water. Well, we frequently come across any of these and are at risk of contracting one disease or another. This is where health insurance comes in. When you get sick, it might be an emergency, and you would need, in some cases, medical costs that you might not be able to afford at that moment. Health insurance coverage will lift the heavy load for you.

About Health Insurance in Kenya

Kenya is a leading country in Africa when it comes to health insurance innovations. Various health coverage companies have brought about an environment of healthy competition, which brings the consumer to choose from the very affordable and convenient health coverage plans.

Family and Individual insurance plans can help you cover expenses in the case of any serious medical emergencies, and will further help you and your family to stay on top of preventative health-care services across the globe. Having a health insurance plan can save you tons of cash on preventative care, doctor’s visits, prescriptions drugs, and other frequently arising health-care services. The Standard health insurance plans for single individuals include costs like a monthly premium charge, annual deductible cost, and may also include coinsurance. Apart from this, you should also get enrolled with the NHIF for full potential.

Insurance companies In Kenya

  1. Jubilee Insurance

Founded in 1937, Jubilee insurance has evolved not just providing motor insurance but also affordable health coverage for Kenyans. They have a product particularly tailored for individuals and families. With their innovative J CARE product, you have the option to choose where and how you will receive your treatment. On top of this, you will also have the “JubiCare App” with easy to use interface.

Jubilee health coverage is available for all individuals aged between 1 month and 17 years for children and 18 to 60 years for adults. However, interested adults over 50 must have a medical examination from their certified centres before enrollment to the program. 

  1. UAP Insurance

The company is not just a regular health insurance coverer. You will have the option to choose from a plan that best suits your needs. Some health coverage plans offered by UAP insurance include:

  • Afya Imara Junior: This is specially tailored to cover your children below the age of 19.
  • Afya Imara Executive: Offers a worldwide coverage plan that extends up to Ksh10 million for individuals and up to Ksh. 20 million for Families for inpatient services.
  • Afya Imara Seniors: This plan covers individuals between 66 and 80 Years of age.
  • Afya Imara County: You will be covered within county-level hospitals across Kenya.
  • Afya Imara: Covers treatment across Africa and overseas, get up to Ksh. 5 million for inpatient services.
  1. Madison Insurance

This health insurance company in Kenya covers individuals between those ages of 3 months up to 70 years old. However, only individuals below 55 years of age can get enrolled in this health coverage plan. Also, their payment policy is quite flexible. There is no waiting time in case of accidents, 90 days for surgery, and 30 days for illness.

  1. APA Insurance

They have an affordable and comprehensive health insurance plan called Jamii Plus & Afya Nafuu. This health coverage combines Pre-existing, accidental or reconstructive surgery, Chronic, Congenital, cancer treatment, HIV/AIDS-related conditions, organ transplant, lodger fees, among many more others.

Here are other benefits of Jamii Plus & Afya Nafuu

  • Outpatient cover
  • Post hospitalization benefit
  • Maternity cover
  • Overseas inpatient referrals covered on credit under the listed hospitals
  • Dental & Optical Cover
  • Last expense cover
  • Personal Accident Benefit Cover
  1. Britam Health Insurance

Their medical insurance is popularly known as Mediflex. It covers both inpatient and outpatient services. Britam health insurance plan exceeds just personal Insurance. It also offers its services to NGOs, any registered company, and Chamas with over 10 members.

  1. Sanlam Kenya

It was formerly known as Pan Africa Life insurance. The company has its branches in all major towns in Kenya and is a market leader in life insurance. In the section of health insurance, the company partnered with Bonitas and Fedhealth medical schemes to provide a flexible medical plan for both individuals and families.

  1. Heritage Insurance 

This is another top health insurance company in Kenya. They enable you to choose from personal or family cover. Their plans are also diverse and include:

  • HERITAGE FLEXI: Covers family or individual with residency in Kenya.
  • BLUE: Plan tailored to suit health benefits to employers in Kenya and Africa at large.
  • BLUE CORE: Covers inpatient, Chronic Care, and other Major diseases 
  • BLUE LITE: Covers Kenyan families residing in The country for outpatient services, chronic diseases, etc
  • BLUE CLASSIC: Covers a vast East Africa region i.e., Rwanda, Kenya, Uganda, Burundi, Tanzania, and Southern Sudan.
  • BLUE PLUS: Plan covers the entire Africa region
  • BLUE ELITE: This plan covers the entire world, USA, Europe and is suitable for international business persons.
  1. Resolution health insurance

Just like the other health insurance companies in Kenya. They also have individual and family packages to choose from. Plans include;

  • Harmony Plan: Provides high-quality in-patient services shared within a family.
  • Value plan: Provides high-quality, in-patient healthcare services for individuals.
  • Outpatient Plans: Provides a wide range of outpatient services for their clients.
  • Faraja Plan

Final Word

Choosing the health insurance company in Kenya may be a hurdle. That doesn’t mean that you should opt-out of the services. Here is a quick checklist I came up with that will ensure you go for the best option.

  1. Go to your geographic marketplace and view your health plan options side by side.
  2. Decide which type of health plan is best for you and your family.
  3. Eliminate cover plans that exclude your doctor or any other local doctors in the health provider network.
  4. Determine whether you need more health coverage and higher premiums, or if you choose lower premiums and higher out-of-pocket costs.
  5. Ensure that any plan you choose will pay for your routine and necessary care, like your prescriptions and specialists.

Author

 Briton Ochieng’. A student and tech enthusiast who loves talking about gadgets and business. 


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TIPS FOR CONSTRUCTING RENTAL HOUSES

TIPS FOR CONSTRUCTING RENTAL HOUSES

Judging from the many buildings sprouting all over the country it’s clear that the business idea of rental houses is here to stay. Rental houses offer financial security since the risk is low once they are in operation, unlike quick money business like owning a matatu which can collapse in seconds through incidents such as theft or accidents. So what are some of the things to consider when constructing rental houses?

1. TAKING A LOAN FOR THIS IS A NO-NO

Rental houses are an investment that takes longer for an investor to start realizing returns especially if you factor in other associated costs such as maintenance, agent’s fee and the loan interest. What this means is you may end up using all the money you get monthly on repaying the loan and taking care of other expenses. If you start making returns on an investment after 50 years and you built it when you were let’s say 40 years, do the math. The most reasonable period that one should be able to recoup their initial investment should not be later than 10 years from when they finish construction

2. LOCATION

What is the point of putting up a house and you don’t get tenants? One of the reasons for this could be the location of your building. Remember, buildings that are closest to social amenities fetch a higher amount in terms of rent. So when buying land after you have made due diligence and are assured of no drama such as court orders behind that land, see to it that it is at least close to the road. Also, do your research to find out who are your potential tenants. Do not put up an executive 5 bedroom flat in an area highly populated by university students thinking you have a ready market.

3. LEGALITIES

Before you construct a commercial building it is important that you get to know the building regulations of that area. This means you may have to involve the Local authority. A survey has to be conducted by the relevant bodies to establish whether the building is appropriate in that location. Is the land a public land or not? Are you putting up a club near a learning institution etc? Woe unto you if you don’t heed to their instructions and build where you are not supposed to. Chances are that your building will be demolished in the future and you will have no one to blame but yourself.

4. DON’T BE AFRAID TO GET YOUR HANDS DIRTY

To save on some maintenance cost you could learn to do some tasks like fixing broken electrical sockets and a clogged pipe as this will save you time and is way cheaper as compared to hiring contractors.

FINAL WORD

Make sure to involve professionals in every step of the construction process from architectures to the laborers. Avoid shortcuts as they can be costly in the long run. There is no venture without risks so be prepared and handle every challenge as it comes since the benefits are also in plenty.


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When we change the beginning of the story, we change the whole story

When we change the beginning of the story, we change the whole story

In Kenya like many developing countries providing holistic ECD interventions remains a major challenge for children under eight years. Yet, a child’s development is greatly shaped by the environment they grow in. They need a stable environment that is sensitive to their needs emotionally supportive and stimulating. Currently most children are affected by poverty and some of their basic requirements are not a priority. To some parents, food, clothing and shelter are considered enough. However, is it?

Mrs. Lily Oyare, the founder of Little Rock ECD centre noticed a gap in the knowledge of parents living in one of the largest slums in Kenya, Kibera, when it comes to their children’s needs and decided she had to do something. Having been a teacher for many years she had interacted with children and knew how important education was but most importantly knew how other aspects such as nutrition, nurturing care and positive guidance among others were equally important. Together with her team of caregivers, they have dedicated their time into giving children a better start at life and making up for lost time with those who never had the opportunity.

“It has been a long journey. We have seen great impact of our programs in these children. Little Rock is an all-inclusive centre. What that means is that we have children with special needs as well as normal kids, so our curriculum is tailored to cater to all these different needs. There are kids who joined us when they were malnourished. Others as old as two years could not move about on their own. We were afraid they wouldn’t make it but thank God and the tireless efforts of the caregivers, these kids are now thriving. Most of the issues we had to deal with are issues that could have been avoided if parents paid more attention to their children,” Ms. Evelyn the Operations Manager at Little Rock ECD Centre states.

ECD centres are doing their best to correct some mistakes committed by caregivers but how many ECD centres are there as compared to children in need? From my interactions with the Little Rock community, one thing is clear; parents need to step up. Most programs at the centre have been birthed from the need they observed on a daily basis. Poorly groomed hungry children with low self-esteem. All these are issues that parents can handle but because of their lack of awareness, their children are paying the price. We could all sit back and chastise these parents but how is that helping? What is more important at this juncture is to come up with a long lasting solution that will save the future generation.

In conclusion, we all have a role to play in shaping up the young ones. As the saying goes, it takes a village to raise a kid. Indeed it does, so let’s step up our game.