The Machine Was the Opportunity — and the Problem The quotation was sitting on Brian’s desk. KSh 3.4 million. That was the price of the machine his small manufacturing business needed. For months, his customers had been asking for larger orders. He knew there was demand. He also knew his existing equipment was already being…
When James received his first serious bonus at work, he already knew what he wanted to do with the money. At least, he thought he did. For years, he had watched land prices rise around him. A friend had recently bought shares. His SACCO had been encouraging members to increase their savings. Then there were…
On a Thursday morning, Brian opened his phone because he needed money urgently. His small hardware shop had been doing reasonably well, but a supplier had given him an opportunity he did not want to miss. A particular batch of fast-moving stock was available at a good price, and he knew that waiting until he…
The Money Was Sitting There, But It Wasn’t Doing Much The money had been sitting in the account for almost six months. It was not a huge fortune. It was KSh 450,000 that James had accumulated after years of saving, a good bonus at work and a payment from a side business. He had resisted…
The KSh 5,000 Question “Should I invest this, or is it too little?” That was the question Kevin asked after receiving KSh 5,000 that he had not expected. It was not a huge amount of money. It would not buy land. It would not build a house. It would barely make a difference to the…
At 6:45 one Monday morning, Mary was standing inside her small hardware shop in Thika, looking at an empty section of the shelves. The previous week had been unusually busy. Contractors had bought cement, plumbing materials and several boxes of fittings. By Saturday afternoon, some of her fastest-moving products were almost finished. Normally, this would…
At 7:30 on a Friday evening, Brian was staring at his phone. His salary had come in earlier that week, but the excitement of payday was already gone. Rent had taken its share. So had the loan repayment. His daughter’s school had sent a reminder about the balance for the term. He had also sent…
It was the week before schools reopened when James realised that he had a borrowing decision to make. His daughter’s school fees were due, his small hardware shop needed more stock, and the car had developed a problem that could not be ignored. He had money coming in, but not enough at the same time…
The Loan Was Only KSh 20,000 The message came just after lunch. “Your loan of KSh 20,000 has been approved.” For Sheila, it felt like a relief. Her daughter needed money for an urgent school expense, and Sheila had already tried calling two relatives without success. Her salary was still several days away. She opened…
The Month the Money Finally Came In The payment notification arrived just after 10 a.m. KSh 120,000 received. Kevin stared at his phone for a few seconds. It had been a slow couple of months. One client had delayed payment, another had reduced the amount of work coming in, and Kevin had spent several weeks…
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