Kshs. 300 / Ushs. 9000 Tshs. 6000 / RWF. 2200 ISSUE 24 / 2018
INSIDE JACKLINE CHEROP: TRAVEL GURU TAKING PEOPLE AROUND THE WORLD 170 YEARS OF PRUDENTIAL’S CONTINUOUS FINANCIAL SERVICE CREATE HEALTHY TEAMS WITH BLUESKY TEAM BUILDING
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Editor’s note
Time For Low Cost Housing The Kenyan real estate market has grown tremendously in the recent past. The industry is characterized by myriad property companies, both established and startups. The sector, which contributes greatly to the country’s GDP, is influenced by many factors among them infrastructural developments such as improved roads and utility connections; as well as demographic trends such as rapid urbanization and population growth.
Despite these developments, the property sector has for a long time targeted the upper and middle income segments, and shied away from investing in low-cost housing due to the risk associated with getting returns on their investment. Developers have invested a lot of money; therefore the high prices are justifiable. Even so, they should start focusing on the low income segment, considering that most urban dwellers are in this segment. There is no doubt that if they are offered decent houses, which are within their means, they have a high probability of purchasing. This is a great opportunity for property developers as it is in line with President Uhuru Kenyatta’s Big Four Agenda. The stable political climate following the handshake, and the positive economic outlook with the GDP growth expected to rebound to 5.4% this year after it dropped to 4.9% in 2017, is also driving factor.
The President is expected to launch Sh1.3 trillion low-cost houses project, which will be used to deliver 500,000 houses by 2022. The affordable housing programme, aims to ensure that at least 1 million Kenyan families become homeowners. In a nutshell, developers should embark on affordable housing projects, not only by relying on government incentives, but also by scaling up and using new building technologies such as Expanded Polystyrene Panel (EPS) technology and precast concrete. This is not only profitable and sustainable, but will also address the issue of slums in our towns and shortage of low-income homes.
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Contents 22.
YOUNGPRENEUR
28.
22. INSPIRING WOMAN
5. EDITOR’S NOTE 10. GET INSPIRED 12. CORPORATE NEWS
Safaricom Aga Khan University Hospital Liquid Telecom OLA Energy Kenya
18. TECHNOLOGY Oracle Advances Emerging Tech with Latest Innovations
20. YOUNGPRENEUR Jackline Cherop: Travel Guru Taking People Around the World
Irene Wanjiku Scales the Heights in the Construction Industry
24. COVER STORY In Five Years, Username has made Property Ownership in Kenya Unique and Accessible to all
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Africa 8
GET 25% OFF
Editor-in-Chief : SUSAN ARMSTRONG EDITORIAL Features Editor JENNIFER NYAWIRA Features Editor SHABAN AHAB Assistant Editor ALEX NYAMU Digital News Journalist JOE
DESIGN & PRODUCTION Art Direction & Design CAITLIN SHARON Graphic Designer FELIX CONTRIBUTORS Reuben Kimani Hasnain Noorani Michael Armstrong Mukaindo A. Mwaniki MARKETING & DIGITAL Head of Digital and Marketing JACKSON THUITA Digital Content Producer AMANDA Digital Coordinator KATE ISSAH FINANCE & OFFICE MANAGEMENT Accounts – accounts@destinafrica.co.ke Head of Sales & Media STEVE – steve@destinafrica.co.ke
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© 2018 Destin Africa published by FORAFRICA MEDIA. Copyright subsists in all work published in this magazine. Any reproduction or adaptation, in whole or in part, without written permission of the publishers is strictly prohibited and is an act of copyright infringement which may, in certain circumstances, constitute a criminal offence. www.destinafrica.co.ke
Contents 18.
28. PRUDENTIAL 170 Years of Prudential’s Continuous Financial Service
30.
OPINION
34. REAL ESTATE 36. HOSPITALITY 38. MANAGEMENT 40. HEALTH & FITNESS Cervical Cancer a Common Cause of Death Among Women Yet The Most Preventable Form of Cancer
42.
42. MOTOR 2018 NISSAN KICKS
44. TRAVELWISE British Airways Empowers its People at Heathrow to Assist Customers with Any Travel Issue
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Get Inspired
Provoking Quotes By Entrepreneurs And Executives
When it comes to putting your all into a business, no one knows it better than Wahu Kagwe. “It took me a lot of gut, a lot of sacrifices and real power. It has not been easy,” she says of her business. “I pushed on even when it seemed impossible because it has always been my dream and passion.”
Wahu Kagwe is the owner of Afro Siri salon in Kenya.
New technology is transforming the way people live. Churchill Nanje is utilizing new tech platforms to ensure that young people in the continent are updated with the latest job offers. “When I see young people, ‘I’m like, maybe if someone had taken me like this, I would have been [where I am] faster.’” To Nanje, young people are a source of inspiration. They remind him of where he comes from, and of his younger self.
Churchill Nanje- founder of Njorku, a Job Search Engine Company based in Cameroon.
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“What I believe is, when you get to commit yourself to your dream, and you know how big your dream is, it informs you how high you should jump.” “For me, I know how big my dream is, what it needs, and how much commitment I need. So, that keeps me going.” A business also needs as much passion, Janerose
Gatobu the founder and owner of Jagari Designs in Kenya said. Her company deals
with making bags using Ankara and leather.
It takes a lot of courage for an individual to quit a well paying job to start a business. “It is never easy, but consistency pays. Yes, the market is as big as the number of people who walk to work, but there are still many infrastructural challenges.”
Wycliffe Waweru- owner of Play Guru, a company that deals with selling secondhand bicycles in Kenya.
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Africa 12 Corporate News
Safaricom Celebrates 18 Years
S
afaricom has marked its 18th anniversary since the official launch.
As part of 18th anniversary celebrations, the mobile operator has unveiled a new brand campaign targeted at reinforcing its commitment to customers.
The campaign, dubbed Nawe Kila Wakati, is aimed at deepening customer engagement by positioning the brand as an enabler, in line with Safaricom’s business strategy of putting the customer first and delivering relevant products and services.
“We understand the impact of the current economic climate on Kenyans all over the country, so Nawe Kila Wakati is a promise to our customers that we will continue to enable them to communicate, socialize and do business using our network, by making voice, data and SMS more affordable,” said Sylvia Mulinge, Director of Special Projects – Safaricom. As part of the campaign Safaricom unveiled a customer promotion that will see customers enjoy more affordable calls, SMS and data. The promotion, dubbed 18For18, will see customers enjoy 18 minutes of talk time every day for only KES 18, allowing them to make calls across local networks for KES 1 per minute up to 12th December 2018. The offer will be redeemable once a day for each customer and will be valid for 24 hours from time of purchase.
“Kenyans are tough; we are resilient, innovative and optimistic. This promotion is Safaricom’s way of not only thanking Kenyans for their support over the last 18 years, it is our way of showing that we are here to walk with them as they navigate a rapidly changing economic landscape, by
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giving them greater value,” said Ms Mulinge.
Individual PostPay subscribers will be rewarded with a 10 per cent discount on their October bills, while Enterprise PostPay customers will also be rewarded discounts customized to their needs. Safaricom Home Fibre customers will enjoy 18 per cent discounts when buying, renewing or upgrading their subscriptions between 1st and 18th November 2018. Additionally, Safaricom is making it possible for customers to reactivate expired data bundles by simply purchasing a new data bundle within seven days after the bundle expiry date.
“Safaricom is a truly Kenyan brand that inspires hope and celebrates the inherent goodness and resilience of Kenyans, and one whose success can be attributed not just to those who work here, but to those we have served over the years, which is why we are celebrating our customers,” said Michael Joseph, Former CEO and Member of the Board of Directors – Safaricom.
To personalise the celebrations, each customer will be rewarded with a free 1GB data bundle and a special KES 1 per minute rate for voice calls on their birthday. The birthday reward will remain available beyond the period of the promotion, as a permanent offer.
To kick off the Nawe Kila Wakati and the 18For18 promotion, Kenyans around the country were treated to free bus rides, employees spread cheer to children in wards in selected hospitals and vendors in markets had their day’s stock bought and donated to children’s homes, among other celebrations.
NHIF to Cover Cost for Patients Needing Aga Khan University Hospital’s New Pet-Ct Scanner Services
commitment to expanding access to high-quality health care by introducing new technologies, educating skilled health professionals and conducting innovative research.
“Our vision emphasises excellence, because the quality of care determines whether a patient is correctly diagnosed and treated, or continues to suffer,” President Rasul said. “And it emphasises broad access because every life is valuable, and a healthy population is more productive, resilient and happy.” More than 40 percent of heart and cancer patients at the Aga Khan University Hospital receive financial assistance from the Hospital’s Patient Welfare Programme, which helps make treatment affordable for qualifying patients. The programme is supported by individual and institutional donors, as well as Hospital revenues.
Her Excellency Margaret Kenyatta receives a dummy cheque of 30 free PET CT Scans from Aga Khan University Hospital during the Launch of PET CT Services. Looking on are Dr Jackson Kioko, Director, Medical Services, Mr. Firoz Rasul (2nd left), President, Aga Khan University and Mr. Shawn Bolouki (left), CEO, Aga Khan University Hospital.
A
ga Khan University Hospital, Nairobi announced that it has invested more than KES 600 million to become the first hospital in the region to introduce a state-of-the-art technology that will improve the diagnosis and treatment of cancer, heart disease and other diseases. The Positron Emission TomographyComputed Tomography (PET-CT) scanner and Cyclotron is the first such scanner in East and Central Africa. It enables physicians to study the body in extraordinary detail, allowing them to diagnose diseases early and plan the most effective course of treatment.
First Lady of the Republic of Kenya, Her Excellency Margaret Kenyatta, was Chief Guest at a ceremony inaugurating the PETCT scanner. Also in attendance were Dr Jackson Kioko, Director of Medical Services, Ministry of Health, and other dignitaries. “The launch of PET-CT scanner services
could hardly be more timely,” said Shawn Bolouki, Chief Executive Officer of the Aga Khan University Hospital, Nairobi.
“Cancer, heart disease and other noncommunicable diseases now account for nearly three in 10 deaths in Kenya, according to the World Health Organization. The PET-CT scanner is a lifesaving tool in the fight against these deadly diseases.”
The National Hospital Insurance Fund (NHIF) has committed to cover the full cost of PET-CT services at the Aga Khan University Hospital, a reprieve for cancer patients, who are often burdened by the high cost of treatment. In addition, the arrival of the scanner means patients will no longer have to incur the travel costs associated with leaving the region to access this advanced technology. Firoz Rasul, President of the Aga Khan University, said the addition of PETCT services is part of the University’s
Mr Bolouki thanked GE Healthcare for partnering with the Aga Khan University Hospital to hold a symposium on Thursday that drew 250 health professionals to learn more about PET-CT’s role in diagnosis and treatment.
The PET-CT scanner will also be used in the diagnosis and management of neurological conditions such as dementia and epilepsy. The service will be offered as an outpatient procedure unless the patient is already admitted to the hospital. President Rasul noted that the Aga Khan University is making a number of other significant health care-related investments in Kenya and beyond. In Nairobi, it is building a 13-story University Centre to provide faculty and students with advanced resources for learning and research; establishing a Centre for Cancer Research and Department of Oncology; and plans to construct a Children’s Specialty Wing to provide specialised paediatric care. In addition, it will build a new Aga Khan University Hospital in Kampala.
• Patients no longer need to leave the region • AKU to establish Centre for Cancer Research
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Africa 14 Corporate News
Liquid Telecom to Invest 8bn EGP ($400m USD) in Egyptian Network Infrastructure and Data Centres Following Completion of ‘Cape to Cairo’ Link Landmark partnership agreement with Telecom Egypt herald’s significant investment in data centre infrastructure across Egypt and the African continent
President El-Sisi welcomed the development as a major milestone in connecting the African continent with Egypt and said he would continue to push the initiative during his tenure next year as Chair of the AU’s 54 nation body. This follows the signing of a landmark partnership agreement with Telecom Egypt to mark the completion of Liquid Telecom’s award winning ‘Cape to Cairo’ network. This network represents the first direct land-based terrestrial fibre link from Cape Town to Cairo.
The $400 million investment will enable Liquid Telecom to significantly expand its position as a connectivity and cloud solutions provider in North Africa, serving businesses in the region with world-class network and data centre services. Through its data centre offering, Africa Data Centres (ADC), Liquid Telecom is facilitating the growth of Africa’s Cloud by providing a platform for cloud services to be delivered locally in many markets for the first time.
L
eading pan-African telecoms group Liquid Telecom has announced that it is investing 8 billion Egyptian Pounds ($400m US Dollars) in Egypt over the next three years. This is part of a major partnership with Telecom Egypt which includes network infrastructure and data centres. The investment announced at the Africa 2018 Forum was made during a signing ceremony between the two companies.
This historical agreement was signed and witnessed in the presence of Egyptian President and incoming chairman of the African Union (AU), His Highness Abdel Fattah El-Sisi and the current AU chairman, His Excellency - President Paul Kagame of Rwanda.
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Telecom Egypt will use the network to connect Egyptian businesses to the rest of Africa, whilst also partnering with Liquid Telecom to build data centres across Egypt. Following an initial investment of $50m in data centres and cloud services, Liquid Telecom plans to invest an additional $350m in broadband and financial inclusion initiatives, as well as high capacity data centres. These will be similar to some of the best-in-class data centres in South Africa. Liquid Telecom’s expanding network is almost 70,000km in length and is linked to more than 600 towns and cities in 13 countries across Africa. It is also part of the wider ‘One Africa’ broadband network which has been strongly supported by the African Union leadership and President Kagame, Chairman of the African Union.
According to the Group Executive Chairman of Liquid Telecom’s parent company Econet, Mr, Strive Masiyiwa, the next mission is to complete a link between Cairo and Dakar Senegal through Sudan, Chad, and Nigeria, as well as the rest of West Africa. “We have already crossed Africa from East to West through Sudan and Chad. We are at the Nigerian border and we expect to reach Abuja by the end of January in time for the AU Summit. We want to reach Dakar before President El-Sisi finishes his term,” he said. Mr, Masiyiwa also acknowledged the support of President Kagame, adding: “It would have been impossible to reach this far so quickly without his support. He adopted this initiative as a key project during his tenure and has been highly supportive throughout its development. We know President El-Sisi will help us take it to the next level because he understands the vision of Africa.” Mr Masiyiwa expressed his appreciation for leadership support across the continent. He said the ‘One Africa’ model could encourage other entrepreneurs to build projects in complementary sectors, such as rail and power. “We need to push the linkage of our continental power grids, and also rail and air transportation. Now is the time for bold initiatives to build intra African trade and investment.”
Oil Marketer OilLibya is Now Ola Energy
Elmarimi Ali Kashim, Libya Oil Regional Business Manager East Zone and Omar Essamin, Head of Planning and Communications, Libya Oil Group during launch of OLA Energy Kenya.
This new brand captures the essence of our company as a modern energy player across our footprint in Kenya and Africa
O
il marketer OilLibya has changed its name to OLA Energy. The new brand follows the rebranding of the Oilibya Group to OLA Energy Group that has also seen Libya Oil Kenya Limited change its name to OLA Energy Kenya Limited. A statement from the group says “The new brand is symbolic of the company’s expanding market offering as a modern Pan-African energy retailer that seeks to cater to the rapidly changing demands of consumers.”
In Kenya, the new brand will be initially introduced in a number of pilot stations across the retail network. These include Parklands, Waiyaki Way and Forest Edge. This will be followed by a phased rollout throughout the companies’ entire retail network of 80 stations in the country bringing a modern and fresh new look. The rebranding will also be implemented in 1100 stations in the Group’s 17 countries operating across Africa.
“This new brand captures the essence of our company as a modern energy player across our footprint in Kenya and Africa,” the statement quotes Libya Oil Holdings CEO, Mazin Ramadan.
“Our teams and partners are committed to working together as one to deliver on the promise of our new brand; by ensuring that our customers always come first, we will offer a standard of excellence in our products and services that distinguishes us from the crowd and befits the vitality of this magnificent continent,” Ramadan said. Your opinion is valuable. Take this quick survey to help us improve the website and content The new retail visual identity, adds the statement “reflects the Group’s guiding vision to be Africa’s downstream marketer of choice, shaping African energy and empowering African born prosperity.” OLA Energy Kenya Limited (formerly Libya Oil Kenya Limited) operates a network of 80 retail sites across the country under a dealer network.
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Africa 16 Corporate News
Mastercard Partners with DPO Group to Further Boost Pan-African Merchant Payments
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eading global payments and technology company Mastercard and Africa’s leading payment service provider, DPO Group have announced a collaboration to enable more than 40,000 African merchants to accept Mastercard payments, connecting more people and businesses to the global economy. The collaboration will enable DPO to act as a Pan-African switch by using the Mastercard Payments Gateway Services (MPGS). DPO will now be able to independently authorise transactions without any bank integration required. Through the solution, Mastercard enables payment partners like DPO to easily and securely accept a wide range of digital payment methods from all over the world
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and for numerous industries online, inperson and via mobile.
The collaboration seeks to enable both small and medium enterprises (SMEs), which are critical to the growth of the African economy and global enterprises, to better process payments across Africa via a simple integration to a single platform. The collaboration between Mastercard and DPO will improve merchant benefits like seamless, secure digital payment acceptance; access to cutting-edge technologies; fraud management, and global connectivity through recognised payment methods. “Mastercard’s partnership with DPO is an important milestone in our vision to financially include every African. Our
partnerships with DPO and other key FinTechs across Africa, allows Mastercard to speed up building of the acceptance railroads that will drive the growth of secure and convenient electronic payments. This in turn acts as the engine that drives faster economic growth across the continent for the benefit of millions of Africans” says Raghav Prasad, Division President for Sub-Saharan Africa.
Eran Feinstein DPO Group CEO agrees. “By enabling both customers and merchants to transact securely online and offline we’re able to facilitate the growth of businesses across Africa. With the right pan-African technology partners, we’ve managed to turn online transactions to a preferred choice of conducting business across all industries.”
EABC 2018
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Connect to East AFrica`s Largest Fleet
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Africa 18 Technology
Oracle Advances Emerging Tech with Latest Innovations
Customers build the next big thing with Oracle AI, Blockchain, and Digital Assistants
P
roviding organizations with the transformational tools they need to embrace innovation, Oracle has announced continued advancements in emerging technologies across Oracle Cloud, including artificial intelligence (AI), machine learning, blockchain, IoT, and human interfaces. Oracle’s strategy is to make emerging technologies pervasive throughout its cloud offerings. To help customers more easily take advantage of these technologies as part of their digital transformation, Oracle has embedded innovative technologies into its business applications and extended these new capabilities into the platform so customers can build upon them. Additionally, Oracle Cloud Infrastructure serves as the foundational enabler for Oracle’s AI and Autonomous capabilities. “The real opportunity with emerging technologies is enabling our customers to embrace innovation on a scale we’ve never seen before,” said Amit Zavery, executive vice president, Oracle Cloud Platform.
“Oracle’s technologies provide the building blocks for customers to pioneer new innovations, create new opportunities, and drive amazing breakthroughs.” www.destinafrica.co.ke
Amit Zavery, executive vice president, Oracle Cloud Platform talking about our continuous pace of innovation at the Next Big Thing.
Oracle’s technologies provide the building blocks for customers to pioneer new innovations, create new opportunities, and drive amazing breakthroughs Machine learning and advanced AI are woven into Oracle Cloud services. For example, Oracle CX applications include built-in AI tools that better predict account health, deliver next-best service actions, automate answers and provide more personalized services. Oracle also embeds machine learning into its security offerings in order to help detect security threats. Most importantly, Oracle also combines machine learning with decades of database optimization to deliver the world’s first and only self-driving database.
Continued emerging tech advancements across Oracle’s portfolio include:
• Digital Assistant for Personalized Interactions: The next evolution of Oracle’s chatbot functionality, Oracle Digital Assistant enables companies to build personalized digital assistants to help employees work smarter and more productively. With this technology, employees can leverage one comprehensive digital assistant that can be trained to support domain skills from multiple applications such as HR, ERP, CRM and CX. Leveraging AI, Oracle Digital Assistant understands context, derives intent, and identifies and learns user behaviors and patterns to automate routine tasks proactively, such as expense approvals and meeting reschedules, on behalf of the user. • Blockchain for Supply Chain Applications: Recently launched, Oracle Blockchain has already seen global adoption spanning multiple industries. Now, Oracle is expanding its blockchain
service offering to include new business applications built on its own blockchain development platform to support new use cases, such as track and trace for supply chain and logistics. New Oracle Blockchain Applications enhance traceability and transparency throughout the supply chain and include Intelligent Track and Trace, Lot Lineage and Provenance, Intelligent Cold Chain, and Warranty and Usage Tracking. •Automation for Security Services: Oracle offers new cloud security services that use machine learning and intelligent automation to help prevent, detect, and respond to security threats. The new cloud services include a Web Application Firewall (WAF) to help protect against attacks on web traffic; Distributed Denialof-Service (DDoS) protection to stop outside parties from disrupting running applications; an integrated Cloud Access Security Broker (CASB) which monitors and enforces secure configurations; and a Key Management Service (KMS) that allows customers to control the encryption of their data.
• Intelligent Apps with Built-in AI: To help enable faster and easier adoption, Oracle Cloud Applications weave AI features seamlessly into the existing tasks and processes to reduce the learning curve for end users. For example, the applications send users subtle cues—slide outs and alerts—to let them know about new AI features within the familiar user interface of the application. New interaction models, such as voice recognition and chat bots, are built into applications to create a more intuitive and personalized user experience www.destinafrica.co.ke
Africa 20 Youngpreneur
She is not new to tourism industry, having worked for over ten years and becoming an expert in the field. Cherop talks about her entrepreneurship journey and how she has managed to grow Densey Tours and Travel to what it is today. By Jennifer Nyawira
I
n 2013, Jackline Cherop had a vision of becoming an entrepreneur. With over 10-year stint in the tours and travel industry, she decided to register her own company, Densey Tours and Travel. The company is one of the leading African travel houses that specialize in conducting tours and travel worldwide. Her work experience, complemented by her education background in the same field, was what motivated her to venture into the tourism industry.
Cherop holds a diploma in Travel and Tourism Management from Kenya Utalii College and a degree in Business Administration from Kenya Methodist University. She is currently pursuing a Master of Business Administration (MBA). Her inspiration behind starting the company was that she wanted enough time to spend with her young family. She was also tired with employment, and with adequate knowhow in the tourism industry, it was a sure bet, since she knew how to do it best.
Jackline Cherop: Travel Guru Taking People Around the World www.destinafrica.co.ke
After registering the company however, the young entrepreneur had the fear of the unknown. “I lacked the courage to quite the job immediately as I had the fears of the company not succeeding.� It is the fear of failure that holds many people back from success. The mother of two nevertheless decided to opt out of employment in 2015, two years after registering the company, and the operations of Densey Tours and Travel started officially in the same year.
“I started with one employee, but today the company employs 12 permanent staff.” She has also brought another director on board, and together, they are scaling the company to higher heights.
Densey Tours and Travel offers a range of services which include ticket booking, hotel booking, tour packages, corporate travel, travel insurance, and car rentals just to name a few. The products also comprise a choice of more than 150 airlines and over 65,000 hotels. We are proud of our passion for travel, pleasing experiences and first class customer satisfaction.
Most remarkably, the products are customized to suit the needs of every client. “Our services are personalized as opposed to the group or mass. Particularly for leisure travel, we want to make sure it is tailor made to meet client’s needs. It helps to give individuals personalized attention,” she offers. Experience “It has been fun as I have been able to interact with many people.”
In a span of four years, the young entrepreneur has been able to grow Densey Tours and Travel, especially in corporate and leisure travel.
Cherop says: “It is our commitment to our customers that has led to this growth.” The company has also introduced an option that allows people to save for a holiday. “Planning is the only way many people can afford to go for a holiday. We encourage our customers to save as early as possible to avoid last minute rush,” she states.
Despite the major strides, Cherop observes that entrepreneurship comes with a host of harsh, but rewarding challenges. To start with is that everything and everyone depends on you, including making sure the company is running profitably, paying salaries on time, and ensuring customers are satisfied. In this regards, entrepreneurs must visualize and put more effort to ensure the company stays afloat. Furthermore, stiff competition from other industry players keeps them on their toes. Cherop however feels that the market is big enough for all service providers, considering that customers are becoming aware that they can travel, and tourism is for us, not for people outside there. The tourism market is also very unpredictable, and it depends on the stability and economy of a country. Good economic climate means that people have
extra money to spend on leisure activities. Additionally, a stable political condition is a significant requirement that enables a tourist to visit and travel within the destination region or country.
Going forward, Cherop plans to expand Densey Tours and Travel both within and outside the country. “Our plan is to open more offices in Kenya in the short term, and expand to other countries in the long term.
They also plan to be big in corporate travel. To other women planning to start up, Cherop advises them to start something they are passionate about. They should also ensure customers are satisfied as this will make them to come back. Above all, discipline and patience are key factors as a business takes time to grow. Cherop at a glance A mother of two and a wife
Starts her day at 6:30 A.M – takes kids to school before leaving for office
Arrives in the office at 9 A.M and leaves at 4 P.M Unwinds by traveling with her family and hanging out with friends Loves reading inspiration books
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Africa 22 Inspiring Woman
Irene Wanjiku Scales the Heights in the Construction Industry Ms Irene Wanjiku is an entrepreneur who is out there to hopefully change the lives of people and impact them differently. She is the managing director at Rexe Roofing Products, a construction company that provides quality roofing and waterproofing materials. This is a lifetime commitment that she makes to people as she believes that the roof is the most important aspect of a home. Ms Wanjiku is a person who likes to make commitments and stick by them irrespective of the challenges. She is also a determined person who believes nothing in life comes easy, you have to work hard! We recently caught up with Ms Wanjiku at her office at Menelik Court in Kilimani, and we had a chat with her regarding her entrepreneur journey and how she has grown Rexe to what it is today. www.destinafrica.co.ke
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ow did you get started as an entrepreneur? After the small jobs that everyone does after school, I joined a construction company, where I rose through the ranks from a receptionist to the assistant to the country director. During my stay, I could encounter many clients who kept on asking on different/unique products. People wanted newness as they didn’t like what was already in the market. This gave me the drive and I saw a gap in the industry, not only in Kenya, but in East Africa at large. In 2011, I quit my job and went out of my way to do some research to find out what else was different. I’m a strong believer of look in the mirror, and the person you see can bring the required change.
How it started I was walking around at an exhibition at the KICC, where I met a Canadian manufacturer called IKO. They were looking to set up distribution partnerships for roofing Shingles products in Africa.
I showed my interest in the partnership, but they could not believe in my potential, as they wanted a big player in the industry. The only thing they gave me was a brochure. At this time, I had not registered the business; it was only on my mind. In November 2011, I registered the business and started sending proposals to architects, contractors and quantity surveys explaining to them about the roofing Shingles, as this was the product I wanted to deal with. I even remember being blocked for spamming.
Breakthrough My major breakthrough was in January 2012 when one of the architects responded to my email requesting for the samples of the roofing Shingles. They were constructing 100 housing units at the Mt. Kenya Wild Life Estate. I wrote to IKO regarding the project. Interestingly, they hadn’t gotten the distributor they were looking for. The samples were delivered within two days, and I took them to the architect and were approved.
Believe in yourself and your abilities. Identify a need that is therefore for a product or service in the market Prior to this, I gave them the terms of the contract as I wanted to be the sole partner in East and Central Africa. I wanted a winwin situation. However, being a months old company at the time, we faced a lot of challenges, especially from the big players who were also interested in the project. We were branded as swindles, incompetent, unreliable and many defaming names by some of our competitors. Additionally, the fact that I didn’t have any technical knowhow was used against me, which instigated a lot of fear.
At this time, I had already received Sh 900,000 deposit from the architect, which I used to order the products. I contacted our partners in Europe and requested them to come to Kenya and speak directly to the consultants of the project. It helped in boosting the client’s confidence.
The partnership with IKO has played a major role in the growth of Rexe Roofing.
The Canadian company is a family owned business that has been in existence for many decades. I recall going there for training and I saw how things are done, how the company is run, and how they treat their staff. It gave me motivation that it is possible to build a brand that outlives you. We borrow a lot from them as our partners. Today, I’ve built Rexe to a family business, since have brought some of my older relatives to run the business. Satisfaction The most satisfying part of the business is the people – our clients. I get a lot of business referrals from clients we have previously worked with.
Secondly is our staff. We usually hold staff meetings every two months. I believe I’ve been able to empower my staff financially,
something that motivates me to keep going. Thirdly is being called to speak to other young entrepreneurs. Despite the challenges of running a business, there are people out there who recognize there is something I can give back. Despite being at the helm of the company, I’ve realized I don’t know everything and have made it my duty to develop my leadership skills. For instance, I went through the 10,000 women programme at the United States International UniversityAfrica – fully funded programme. The programme attracted 200 people, and I was among the 43 who were selected. I’m also a member at Keroche Foundation Mentorship. Moments There is no doubt that my entrepreneurship journey has been characterized by both interesting and strange moments. I remember one time being asked to tell my boss to attend a meeting!
There is also the issue of competitors undercutting on installation costs, which I think is lack of integrity. In addition is the problem of copycatting, but this is an indication we are doing an excellent job.
Having started the business with no capital, but solely relying on savings and customer deposits is a major achievement. Today, Rexe Roofing has grown in leaps and bounds to become one of the leading players in the construction industry.
Basics values such as honesty, discipline, networking, starting small, putting structures in place and separating yourself from the business, have played a major role in the growth of the company.
My advice to other women looking to start up – Believe in yourself and your abilities. Identify a need that is therefore for a product or service in the market. Don’t depend on handouts to get something done. Look for a mentor, read about them, their life journey, challenges faced etc.
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Africa 24 Cover Story
Reuben Kimani, CEO, Username Investment Ltd. holding the trophy and certificate won at the 2018 Top 100 Mid-sized Companies Awards by KPMG and Nation Media Group.
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In Five Years, Username has made Property Ownership in Kenya Unique and Accessible to all The real estate company has redefined property ownership in Kenya by offering over 28 projects and issuing title deeds to over 5,500 clients
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t its core, Username Investments exists to provide the current and upcoming generation with a place they can call home. The company was co-founded in 2013 by three directors - Reuben Kimani, Chief Executive Officer, Julius Karanja, Head of Finance and Customer Experience and Joseph Gitonga, Head of Sales and Marketing. Starting off with 42 plots in Konza, the journey was full of determination and perseverance with an aim of changing how the real estate sector was operating. Their driving force was to have a sector that incorporates the low and middle income earners. This saw the beginning of a real estate company that has redefined property ownership in Kenya by offering projects with over 1,000 plots and issuing title deeds to over 5,500 clients. With over five years in operation, Username Investments prides itself in having opened up investment opportunities to young people who move to urban areas in search of employment, and they end up experiencing prolonged renting periods.
When the company started operation, most properties offered in the market were worth over a million shilling and thus unaffordable to many people. However, Username Investments offers properties with prices between Kshs 199,000 - Kshs 430,000 in favour of Kenyans with incomes between Kshs 30,000 – Kshs 100,000. The property prices are inclusive of title processing fees with no hidden charges. The title deeds are delivered with six to ten months upon completion of payment. With a title deed, investors can develop their properties or sell it to someone else in future. Headquartered at The Mirage, 10th Floor, Tower 3 Chiromo Road Westlands, Username Investments prides itself in having created employment to over 50
Reuben Kimani, CEO, Username Investment Ltd. holding the trophy won during the 2018 Top 100 Mid-sized Companies Award with Joseph Gitonga (left), Head of Sales & Marketing & Julius Karanja (right), Head of Finance.
employees directly and over 500 indirectly including suppliers, contractors, lawyers and surveyors.
It also has a branch at the International Life House, 6th Floor along Mama Ngina Street. The Chief Executive Officer, Reuben Kimani, is a thought leader in the real estate industry where he provides insights on matters real estate through a YouTube Channel dubbed Real Estate in Kenya with Reuben Kimani. Changing the real estate landscape The desire to change the real estate landscape has seen Username Investments offer serviced land that is ready for immediate development. This is done through value additions in all properties including putting up a perimeter fence, estate gate, grading the access roads and installing water and electricity.
The Company is also driven by the commitment to make life easier for customers, employees, suppliers and investors. This has seen it launch a new website that allows clients to book a plot(s), make payment, and book for site visits online.
Furthermore, Username Investments has broadened the customer base from local to abroad by reaching out to Kenyans living in the diaspora with affordable investments opportunities back home. The company organizes tours to the diaspora in a bid to reach out to Kenyans living there with opportunities to invest directly in their home country in a more secure manner with a guarantee of receiving title deeds at the end of their investment. This year, the company has visited Kenyans living and working in the United Kingdom www.destinafrica.co.ke
Africa 26 Cover Story
Username Investment Ltd. borehole as a value addition at The Haven- Konza project.
Username Investment Ltd clients viewing the Hamptons-Nakuru project during an open day.
and the United States of America where over 500 are now proud land owners.
Projects So far, Username Investments has done projects in diverse counties including Kajiado, Machakos and Nakuru, as a way of reaching out to every young person at county level with strategic, value-added and affordable properties.
The company has conceptualized and completed over 28 projects located in Ngong, Lekishon, Ipolosat, Bisil, Tinga, Nakuru, Naivasha, Konza, Athi River and Kangundo Road. Majority of the projects have been sold out and the company has formed a client base of over 6,000 clients.
The properties have free site visits every Wednesday and Saturday where investors can view their properties before the actual purchase as part of the due diligence process. The company lawyer also gives free legal advice to clients on all matters around land investment to enable them make an informed decision when purchasing a property and filling in the legal documents in the land transfer process that include Offer Letters, Sale Agreements and Title Transfer Form.
As a way of reaching out to every potential investor, Username Investments launched Woodcrest Estate - Athi River, a ready to build gated community project in a countryside setting with the convenience
of an urban lifestyle. The project is located approximately 27km from Nairobi and 5km from the Nairobi- Mombasa highway along Mutungoni road. The project is 14kms from the Syokimau railways Station and 18kms from Jomo Kenyatta International Airport. Value additions on the project include: a perimeter fence, estate gate, graded access roads, water and electricity. The cash price is Kshs 1,495,000 payable in 3 months and an installment option of up to 6 months is also available. Athi River Town has grown rapidly due to a number of factors including improved infrastructural development with the Standard Gauge Railway (SGR) train station, industrial activities, Export Processing Zone (EPZ) and a number of factories in the cement and construction industry. The town also enjoys direct rail connection with both Nairobi and Mombasa. This makes the area a perfect place for investors to consider investing in residential and commercial buildings. Other ongoing projects include:
i. Graceland- Kangundo Road located at
Kamulu-KBC Centre (Malaa) and 5.5km off Kangundo road. The anticipated construction of the greater Eastern bypass in the neighborhood will further open the area soon. The project is being offered at a massive discount of Kshs 100,000 off as an end of year sale. Instead of Kshs 399,000, we are offering the project at a cash price offer of Kshs 299,000, valid until 14th December 2018.
ii. Springfield – Nakuru Phase III
Username Investment Limited staff members (in red T-Shirts) with the Hamptons- Nakuru Phase I & II clients who received their Title Deeds during the title issuance ceremony in Nakuru. www.destinafrica.co.ke
- This project is 20 minutes’ drive from Nakuru town. It is strategically located 24km from Nakuru town along the NakuruEldoret highway next to Phase I&II of the projects. The distance from the tarmac is 1Km. The project has a clearance offer price of Kshs. 399,000 down from Kshs. 429,000.
iii. The Vantage – Naivasha - This
organized by The Institute of Customer Experience in October 2018.
• The Best Land Agency in the use of Digital Solutions to Enhance Customer Experience in September 2018.
• The 2018 Best Land Agent in Value-added plots in November 2018 • The 2018 Land Agent of the Year in November 2018
Username Investment Ltd. staff members pose for a photo with the CEO, Reuben Kimani holding the trophy won during The Kenya Homes Expo as The 2018 Best Land and Investment Company.
• Reuben Kimani, CEO, Username Investment Ltd, was awarded The JKUAT Alumni Achievement Award at The 2018 JKUAT Alumni Convocation. The award recognizes the achievements made by alumni post-graduation.
• Reuben Kimani, CEO, Username Investment Ltd. was awarded the 2018 Entrepreneur of the Year Award by Kenya Professional Realtors Association.
Recent events
Username Investments holds several Title Issuance Ceremonies in a year to bring investors together and award them for investing with the company. The recent ceremony was held in Sobea, Nakuru where over 500 clients who invested in The Hamptons- Nakuru Phase I & II received their title deeds. This was the first ever Title Issuance Ceremony to be held in the County.
Username Investment Ltd. Team pose for a photo with the two awards won during The Real Estate Excellence Awards- 2018 Land Agent of the Year and 2018 Best Land Agent in Value Added Plots.
project is conveniently located 11km from Naivasha town along Naivasha – Mai Mahiu – Nairobi road and only 75km from Nairobi. The introductory cash offer is Kshs. 399,000.
iv. Tinga Suburbs - This is a carefully selected low-cost high-return project. The project sits next to Tinga town and exactly 100 metres from Nairobi- Magadi tarmac road. The clearance cash offer is Kshs. 199,000.
v. The Haven – Konza – This is an ideal investment opportunity in the outskirts of Konza City along the greater southern bypass. This strategic project provides close proximity to Konza. The introductory cash offer is Kshs. 399,000. The project is being offered at a massive discount of Kshs
100,000 off as an end of year sale. Instead of Kshs 399,000, we are offering the project at a cash price offer of Kshs 299,000, valid until 13th January 2019.
Accolades
Username Investment Ltd has been recognized by key players in the industry and won many accolades including:
• The 2018 Top 100 Mid-sized Companies Award by KPMG and Daily Nation. • The 2018 Best Land and Investment Company at the 26th Kenya Homes Expo, the biggest Homes Show in East and Central Africa.
• The 2018 Best New Entrant in the 2018 Customer Service Innovation Awards
Speaking during the ceremony, Mr. Kimani said that issuance of title deeds to Nakuru clients is a key milestone towards providing affordable land at the county level in line with the company’s mission to reach out to the current and upcoming generations. He mentioned that the company is targeting every young person aged between 20 – 40 years in all counties with affordable land within their incomes and ensure they settle in their own homes.
Road ahead Putting in mind vision 2030 that aims at creating a globally competitive and prosperous nation with high quality of life, we have begun our expansion to counties and we will be opening our Nakuru Office in December 2018. We intend to have a presence in every county as we offer strategic, affordable and value-added properties to all Kenyans.
As part of our expansion strategy, plans are also underway to construct affordable residential developments for our investors who prefer purchasing an already built house. www.destinafrica.co.ke
Africa 28 Financial Services
The company entered the Kenyan market in 2014 and since then, it has fulfilled its promises by honouring claims, besides launching innovative products focusing on customer needs. By Jennifer Nyawira
170 Years of Prudential’s Continuous Financial Service
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he entry of the British multinational life insurance and financial services company, Prudential, into the Kenyan market in 2014 was set to stiffen competition, pitting leading insurance companies and brokers.
Founded in London, United Kingdom, in 1848, today, the company has a footprint in Africa, Europe, Asia and the United States. Prudential is the biggest UK incorporated and regulated life insurance company, and one of the oldest insurers in the world. “What we are proud of is that for 170 years, it has always been Prudential; it has never been through a name change, and has maintained the same standards and values since incorporation” says Andrew Greenwood, the company’s chief operating officer, Africa and chief executive officer, Kenya. “Today, we serve more than 26 million customers in the four continents, and have Sh 93 trillion assets under management as at end of 2017,” he reveals. Furthermore, Prudential employs over 24,000 employees and 600,000 agents across the world.
“In 2014, learning from the lessons of the success of our business growth and
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Andrew Greenwood, the company’s chief operating officer, Africa and chief executive officer, Kenya.
development in Asia, the group felt that it was time to re-enter the African insurance market.” Prudential previously operated only in South Africa as asset managers. The company entered the Kenyan market in the same year through the acquisition of Shield Assurance and since then, it has invested over Sh 2 billion and Sh 3 billion in the East Africa at large. It has branches in Nairobi, Nakuru, Eldoret, Mombasa and Kisumu.
and makes sure they stick to past promises as it helps in building trust among customers. “We took over all the Shield life insurance policies and committed to fulfill the promises made to those customers,” says Greenwood, adding that, “Since the acquisition of Shield Assurance, the company has paid over 22,000 claims worth KSh 566 million.”
So far, Prudential has entered four other markets in Africa – Ghana, Uganda, Zambia and Nigeria. It partnered with a Nigerian bank, Zenith plc, to set up life insurance business in the country.
Often, with little or no customer contact details on file, Prudential’s staff and agents have been contacting older employers, speaking with friends, colleagues and neighbours, to find customers and pay them their benefits, something the CEO says is a great source of pride of achievement.
Honouring promises The CEO says Prudential sells a promise
In 2016, Prudential launched PruMemorial,
Greenwood says at this stage, they are consolidating what they have and looking for new opportunities in other markets. They also plan to expand in the markets they are already operating in, in terms of product offering and physical presence.
Innovative products “We spent some time to find out what customers needed and what was available in the market. Since then, we’ve come up with three innovative products uniquely built around the Kenyan family life,” observes Greenwood.
PruDahari-Dumu, the first product in Kenya with a “Never Lapse” guarantee. a unique last expense cover for the wider family.
It covers the extended family including spouses, parents, parent’s in-law, children, nephews, nieces, aunts, and uncles among others. It’s upon the main member to decide which family members they wish to cover.
An individual chooses between three plans offering different cover levels depending on the needs. It’s a low cost product with a minimum premium of Sh 500 per month.
According to Greenwood, PruMemorial is very flexible and it covers both natural and accidental death, as well as accidental disability. Claims are paid within 48 hours upon filing.
The second product is PruSuper7, which is basically designed around, but not limited to, education. It is a unique savings product with a seven year payout structure.
It allows members to takes a policy of between 10 to 30 years. Prudential however, pays yearly installments in the final seven years of the policy, meaning that members need not wait for the policy to mature in order to start receiving payout benefits. Furthermore, in case of permanent disability, critical illness or death of the principal member, the company steps in and provides a range of benefits to ensure that members still achieve their set objectives if these cover options are selected.
Finally is the recently launched PruDahariDumu, the first product in Kenya with a “Never Lapse” guarantee.
up with ways to allow customers to buy insurance when they can afford to, and it doesn’t run out when they cannot afford to,” offers Greenwood.
From Left: Prudential Africa Kenya CEO Andrew Greenwood the company’s Chief Commercial Officer Gwen Kinisu Head of Operations Irene Kamau and Daniel Beresford Senior.
The innovative “Never Lapse” feature means that policies beyond the first six months will never lapse or become inactive. When it comes to paying benefits to the customer or their family, either at maturity or at the claims stage, the payout will be pro-rated based on the overall contribution. According to the Association of Kenya Insurers (AKI), one in three life policies in Kenya lapse in the first year. By the end of the third year, six in ten have lapsed. It means when the customer stops paying the premium, the policy comes to an end, leading to loss of savings built-up within that period.
“While developing the product, we looked into ways where the premiums could be a bit more flexible for customers.”
In principle, PruDahari-Dumu is a protection plan that provides life insurance cover and savings. The policy term runs for 5-10 years. As an additional benefit, if a customer pays 11 months of premium in time in a year, they get the 12th month free. Furthermore, if a customer stops paying because of other obligations or unforeseen events, they can catch up at no extra cost. Why Prudential? In less than four years, Prudential has identified the needs in the Kenyan market, and designed innovative products to meet them. “With the understanding that not everybody has a bank account, salary or a regular stream of income, we have come
The company’s focus on its customers also sets it apart from the rest. “We’ve gone out and spent money, looking for 22,000 people to pay claims to.” The company went an extra mile to look for its clients through advertisement, direct calls and personal visits just to settle their claims.
It is in line with Prudential’s philosophy: ‘The claims we pay today, secures our customers for tomorrow’. It is based on the fact that we are selling a promise – Which takes courage to believe in. Penetration Kenya is the 4th most penetrated life insurance market in Africa, with South Africa coming first. However, the life insurance penetration is about 1 per cent, which is very low by international standards. It is double digits in South Africa and approximately 12 per cent in most European markets.
Some of the challenges for this low uptake include a low understanding of what life insurance is all about. Greenwood says it is a very sophisticated financial product that requires much understanding to pass it on to others. To deal with this, Prudential uses user friendly words in its policy documents.
The company also works with AKI to create product awareness. Furthermore, Prudential has over 500 people across the country selling the insurance products, and plans to double the number in the next few years. Despite the tough economic climate in Kenya, Greenwood says there is an emerging middle income group of people who are interested in the kinds of insurance products they have designed. There are also products that are sold to groups of people in the informal sector and big collective organizations. “I have no doubt that there is a need for life insurance products in the market, but we need to provide more education for customers to understand on the best ways to invest,” he concludes.
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Africa 30 Supply
Your One Stop Shop For All Car And General Products Car & General is the leading supplier of a range of global brands in East Africa
products from global players in a particular segment.”
Headquartered in Nairobi, the company has footprints in Mombasa, Kisumu, Nakuru, Kitengela and Eldoret; and subsidiaries in Uganda, Tanzania, and Rwanda.
David Chesoni, Car & General’s Managing Director.
E
stablished decades ago, Car & General is a listed company on the Nairobi Securities Exchange (NSE) since 1950.
The company is the leading supplier of various global brands among them, lawn mowers, Kubota tractors, Doosan construction equipment, compressors, Piaggio three wheelers, TVS two-wheelers and Garmin watches and navigation equipment. “We deal with a range of product lines, which are refreshed over time,” says David Chesoni, Car & General’s Managing Director.
Car & General prides itself as the only company in Kenya with a Cummins engine rebuild center and testing facilities. Additionally, it offers exceptional customer experience and high quality products, something that sets the company apart from its competitors. “We source our www.destinafrica.co.ke
Product range “We have been supplying passenger and cargo Piaggio three wheelers for the last 16 years,” observes Mr. Chesoni. Customers have the freedom to choose between diesel and petrol powered versions. Within the cargo range, the company offers both the van and open pick up models.
Among the petrol models is the Piaggio Romanza that is mainly manufactured for the tourist market. “It has for people who want more of style since it’s a convertible three wheeler.” It is a four-stroke 200cc petrol
engine with an average fuel consumption of 30km per litre.
Three wheelers are gaining popularity in the recent time as they are perceived to be safer than motorcycles.
Furthermore, the company recently launched TVS 150cc. It’s a robust motorcycle that comes with various features including IOC (Internal oil cooling) technology, USB mobile charging port, fuel gauge, gear position indicator, and hazard indicators.
Mr. Chesoni says the product was launched after doing a thorough market research to
Other products include air compressors, laundry equipment, marine engines, Doosan infracore, Kubota tractors, and Toyota forklifts. Kubota tractors are sourced from Japan, and are the number one globally in terms of fuel efficiency and their ability to work efficiently in rice paddy areas.
Strategic partnerships Mr. Chesoni says that the company has partnered with a number of financial institutions to empower their clients, especially young people, with credit facilities and transform their lives from being employed to self-employed. They include Watu Credit, Juhudi Kilimo, Unaitas, and Musoni. With 13 outlets and various dealers in different regions across the country, Car & General has surely transformed the lives of many people. Expectations As the newly appointed Managing Director at Car & General, Mr. Chesoni’s main objective is to continue fulfilling the mandate of the company.
“Having been around since 1936, we must continue to be closer to our customers, since at the end of the day, it’s about customer experience that determines if someone will stick with you or move on because customers have got many options,” he says. To connect with its customers, the company is involved in various activities including jua kali training. “We train jua kali mechanics on how to look after our products, besides giving them specialized tools to achieve that,” notes the Managing Director. understand the market and what would really work for the boda boda industry.
“The bike is the most efficient in terms of fuel consumption compared to any other product in that segment, consuming only one litre per 60 kilometres if well driven,” offers Mr. Chesoni.
Other motorcycle models include TVS 100 and 125, targeting the SME and corporate
sectors. Others include Wego, Victor, and Apache range. The latter usually targets young people.
Furthermore, the company supplies Cummins power generators ranging from the small, light and economical ones for individual use to the heavy duty engines for industrial use. They help in supplementing power rationing by providing power solutions for clients.
Furthermore, the company holds sessions with bodaboda riders to train them on safe riding, and how they can see the activity as a business by itself. Supporting customers is also a key objective. Mr.Chesoni says that for any product line supplied, there is support skilled man power and stocks of spare parts. “We are just improving on what we have and perfecting to the best level possible.”
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Africa 32 Team Building
Create Healthy Teams with BlueSky Team Building
The company offers a range of custom-made programs to fit clients’ needs
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lueSky Team Building has been around since 2001, with a mandate of promoting lasting organizational change by developing effective leaders and creating healthy teams. “We started as the only organization doing recreational programs for school going teams and corporates in the Kenyan market and east Africa at large,” recalls Michael Maina, programs director at BlueSky. Recreational programs and activities entail learning by doing through various programs. According to Maina, BlueSky uses ‘Experiential Learning Cycle’, a well-practiced tool that has been tested and proved working in the rest of the world. The company uses obstacle courses to bring out the practical aspect of it. In the same vein, BlueSky was the only one doing team development back then, such as the use of challenge courses.
“This is where we saw a need that existed in the market, and in 2008, BlueSky Adventures was formed. It incorporated three main arms: team building, camp, and climb,” says Maina.
Teambuilding is an arm that deals with team development, from a personal, to a corporate, and to a company growth perspective. These improve work performance and relational interaction among employees. The programs range from half-day programs, to one-day programs, to several-days programs depending on the teams need.
Climbing gym is the newest baby at BlueSky. Launched in 2012, it is the only indoor rock climbing gym in east and Central Africa. “The idea behind climb stemmed from the need to create a space where indoor and outdoor rock climbing can also be practiced by the local people.”
Over and beyond, it is used as a recreational space. It helps people to challenge themselves as individuals, friends or as a team that wants to tackle some of the greatest hurdles such as mistrust or miscommunication, and work on its fundamental core of existence. Why BlueSky? The company’s team development facilitators are internationally www.destinafrica.co.ke
trained under a body called ACCT (Association For Challenge Course Training). It is an American certification body that governs the use of programs on recreational facilities across four continents of the world. “The beauty of our programs is that they are follow-up programs. They are a buildup of where you left from,” offers Maina. Having that model in place, promises growth, not only from a personal perspective, but also from a productivity view of the organization
BlueSky targets corporates, schools, churches, NGOs, ministries, Embassies, or any other given person who has a need of elevating the status quo of where they are to become more effective and create an impact in an organization setting. So far, the company has made an impact on over 1,000 organizations and in a city of over 3 million people. Customized programs At BlueSky, programs are customized to meet the needs of every client. “Through our needs assessment, we determine the type of programs to build for each client,” says Maina. The needs
assessment is a simple evaluation of what the client actually needs. On top of that, the company goes ahead to find out more what the client really wants in order to build an effective program.
This stems from the understanding that compromising on the quality of service kills the client’s productivity. “We also have different models that have been used by very successful organizations.” They include the S.E.R.V.E Model and the High Performing Teams Model. BlueSky brings these into perspective and match them in an experiential way.
Why organizations should engage in team building activities BlueSky believes that all play with no work makes Jack an ineffective boy, something they refer to as sharpening of the soul, adapted from a book called “The 7 Habits of Highly Effective People”.
Investing in team building increases organizational productivity. It helps to rejuvenate employees’ working skills, enhances their working relations, their personality (why people behave the way they behave), besides strengthening the mission and vision of an organization.
Maina however reveals that some organizations do not understand the importance of investing on their staff. This is one of the major challenges facing the industry. In spite of this, BlueSky has created an impact over the many years it has been in operation.
“Over the course of the years, we have brought on board many individuals, who we have sharpened their practitioner skills. These people have in turn established their own ventures.”
Being ahead of the curve, the company promises to continue providing tangible results for its clients. “We will continue impacting more people and make them more productive.” To achieve this, BlueSky will continue coming up with more challenge courses, and put the theoretical aspect of experiential learning into practice. www.destinafrica.co.ke
Africa 34 Real Estate
By Reuben Kimani
Importance of Having Next of Kin Details in Land Transfer
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n July 2018, unclaimed financial assets stood at approximately Kshs 36.5 Billion according to the Unclaimed Financial Assets Authority (UFAA) Chief Executive Officer Kellen Kariuki. UFAA has continually expressed concern of Kenyan’s disinterest in pursuing funds that legally belong to their families. The authority now may have to plan campaigns to inform the public of the available money, securities, unit trusts, matured insurance policy and other assets including land. There are large tracts of land lying idle in the country, thousands of properties remain unclaimed with a great probability that the buyer died without disclosing ownership of such properties to their family members or never indicated a next of kin, or if they did, they failed to provide contact information.
Majority of Kenyans do not take the next of kin slot seriously when signing property documents, signing employment contracts, Chama/group forms, opening bank accounts and mobile money accounts. It is important to note the importance of having next of kin details in any agreement made by parties. A next of kin is a person’s closest living relative, a spouse or a person who can be contacted in case of an emergency. Their details include official names, ID number, postal address, phone number and their relationship to you. These details are not only important in land ownership but in www.destinafrica.co.ke
It is the responsibility of a property owner to inform their next of kin because neither a lawyer nor a property seller can disclose it to protect your interest
every aspect of life such as bank details, investments/properties, job/employment and insurance.
Below are the advantages of having next of kin in any agreement you make;
a) Protects your hard-earned investments in your absence. In February 2018, the state announced plans to nationalize thousands of acres of land in the Coastal in which landlords have failed to identify themselves and prove ownership before the National Land Commission. This land could have been owned by individuals who may have never indicated their contact details, physical address or that of their next of kin. In case you own a property secretly and no one knows, the land could in future be nationalized because your family members may never know you owned a piece of property somewhere. b) The next of kin has much power in case something happens to you Your next of kin has the capacity to make a decision for you in case of sickness or death. Your investment could come in handy when you need to settle a hospital bill or pay for your child’s school fees, unfortunately, no one can decide to sell a property they are not aware you owned even when you are critically ill to communicate about your wealth.
c) Helps in determining inheritance rights if a person dies without a will and has no spouse or children. In case a property owner passes on without a will their next of kin take over the property without much struggle and it greatly helps in reducing court cases related to the distribution of wealth among
family members in case the owner dies.
d) Leads to full utilization of land as a resource When your next of kin is aware of a land you own they may decide to invest in agriculture or construction without worry.
However, in case they are not aware of such land, it is left bare for many years neither benefiting the owner or their close relatives. Choosing a next of kin The choice of a next of kin is solely dependent on the property owner and a lawyer comes in handy in advising on the legal procedure.
Disclosure of the next of kin details It is the responsibility of a property owner to inform their next of kin because neither a lawyer nor a property seller can disclose it to protect your interest. This works to your own good to ensure your investment is secure even in your absence. It is of great importance to gradually update the details of your next of kin especially the contact details, ID number and address.
Reuben Kimani, CEO, Username Investment Ltd. articulates on the importance of having next of kin details in land transfer documents and the established real estate company treats such details with utmost confidentiality to protect the interest of investors. “As a professional company, we cannot compel our customers to disclose their assets but it’s important for them to share this information with those they trust to safeguard their property in their absence.” The writer is the CEO at Username Investment Limited.
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Africa 36 Hospitality
By Hasnain Noorani
Hosting Skal World Congress Means Conferencing Has Plenty of Room for Growth
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ombasa recently hosted the week long 79th Skal World Congress. This is an indication that the conference market in Kenya and especially along the coast is a real opportunity for the hotel and hospitality sector as delegates tend to gravitate towards hotels for accommodation, conference venues and ancillary activities.
Many properties, particularly those located along the beach, have invested heavily in space to facilitate this market. Hotel properties like PrideInn Group can stage an entire conference of more than 2500 pax in-house, providing bedrooms, exhibition space, breakout rooms and a food and beverage solution. Conferences are part of what the hotel industry calls the MICE sector: Meetings, Incentive, Conferences and Events.
Business visitors who fall into the conferencing element of this sector tend to visit in numbers and can spend even up to Ksh 5000 per day per person.
Their economic contribution can be considerable. Recent investment by PrideInn Group in PrideInn Paradise Beach Resort and Convention Centre which is open just over two years, has resulted in the growth of the conference market along the coast. It is important to note that not all the benefits of a conference are confined to www.destinafrica.co.ke
Kenya has lately experienced a thriving MICE tourism by hosting prestigious global events like Tokyo International Conference on African Development (TICAD), The United Nations Conference on Trade and Development (UNCTAD) and Global Partnership on Economic Development Conference (GPEDC) in the last two years among others
its primary site. Delegates often add on a leisure break as part of their trip or the conference programme may include a visit to a site of interest outside the host city. Another reason why the meetings and conferencing element of this sector is so appealing is that it tends to take place during the week, Skal world Congress is a good example.
Leisure breaks and holidays are more weekend-orientated. A mix of both markets is the perfect blend for the hotel sector. In recent times, there have been reports of considerable expansion in the hotel sector. Much of this activity is concentrated in Nairobi, where 1,500 bedrooms are likely to be on stream by 2020.
Hotels in the city relied on the conferencing market to fill rooms during the week and attract a wider business audience. The majority of the new developments are in the four-star market with a definite eye on the conferencing and business market. This is a sector that hotels are keen to see expand and its growth is imperative to the continuing success of the hotel sector in Kenya.
Kenya has lately experienced a thriving MICE tourism by hosting prestigious global events like Tokyo International Conference on African Development (TICAD), The United Nations Conference on Trade and Development (UNCTAD) and Global Partnership on Economic Development Conference (GPEDC) in the last two years among others. This week, Kenya is hosting the International World Skal Congress at PrideInn Paradise Beach Resort where the key decision makers in the travel and tourism industry around the globe will be expected. These Meetings, Conferences and exhibitions have positioned Kenya as an important player in the conference tourism. The writer is the Managing Director and Founder of PrideInn Group of Hotels
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Africa 38 Finance Management
By Michael Armstrong
Why Some National Account Imbalances are Fine, but Others Aren’t
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he current account balance is primarily the difference between a country’s total exports and imports of goods and services, usually measured as a share of GDP. Surpluses tend to be reported as “good” or “healthy”, while deficits are often regarded as “bad”. The importance of an economy’s balance of payments can never be overstated as it reveals various aspects of a country’s international economic position and presents the international financial position of the country.
In the case of a developing country like Kenya, the balance of payments shows how much its economic development depends on financial assistance from developed countries. The Kenyan economy is currently on a rebound. According to a report by the World Bank, real GDP growth is estimated to rise gradually to 6.0 percent by 2020. This is thanks to improved rains, better business sentiment and easing of political uncertainty.
This development curve lays a solid basis within which the government could accelerate poverty reduction. However, the downside risks to this outlook arise from reduced private sector credit triggered by the capping of interest rates which could curtail private investment. This, coupled with an uptick in oil prices and tightening global financial markets could also exert undue pressures to Kenya’s current account balance, which is currently in deficit.
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Equally, professional accountancy bodies have a valuable role to play in providing the frameworks and expertise to help government develop effective public financial management
In the recent economic crises in Turkey and Argentina, there was much talk about how current account deficits played a big part in their problems. Nothing unusual in that, of course: many economic crises are associated with such deficits. It’s one reason why the business press focuses on the current account as one of the key measures of a country’s macroeconomic performance. While the deficits that were run up in Turkey and Argentina certainly did cause problems, this way of looking at current accounts is fundamentally flawed. Exports not only refer to the buying and selling of products by a country, but also to the amount of capital flowing in and out to finance government and business spending. When a country has a current account surplus, it is exporting capital to the rest of the world. Consequently, it is a net lender. Countries with deficits like Kenya are the opposite: it imports capital from the rest of the world and it is a net borrower. The point is that being a net borrower or net lender is not usually bad in itself – it depends on what is happening to the money.
The Australian dollar, for example, has no special status and the country has been running sizeable deficits ever since the 1980s. Australia finances this by selling domestic assets to foreigners, such as wealthy Chinese families buying expensive apartments in Sydney. Australia clearly has enough space to build more real estate to keep financing its imports.
In some situations, running excessive imbalances over a prolonged period of time might be more problematic. Yet surpluses can be troublesome, too. The world’s biggest surplus countries in recent years have been China, Germany and Japan. China started running a massive surplus in excess of 8% in the early 2000s after becoming more integrated with the world economy and exporting goods heavily on the back of ultra-low manufacturing costs.
Current account deficits are more dangerous if the inflow of capital does not represent productive longterm investments, but rather shortterm “hot money” China came under international pressure for helping to cause global imbalances. While China’s trading position has now swung almost towards being balanced, it still has a substantial surplus with the US.
Current account deficits are more dangerous if the inflow of capital does not represent productive long-term investments, but rather short-term “hot money”. Capital flows can rapidly reverse as foreign lenders abruptly start withdrawing their money. This can make the country’s currency plummet, culminating in a financial crisis if domestic banks, businesses and even consumers have been borrowing in foreign currency and the repayments are suddenly beyond their reach.
This is exactly what has happened in Argentina and Turkey this year. Turkey’s persistent deficits were a sign of the country’s reliance on foreign borrowing to fuel its domestic consumption boom under the current regime, which came unstuck as the West called time on quantitative easing and started raising interest rates.
At any rate, it’s important to be more accurate about current account imbalances. Large and continuous deficits or surpluses can either be totally non-threatening or the result of some underlying economic problem. The author is the FCA, and ICAEW Regional Director for Middle East, Africa and South Asia.
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Africa 40 Health & Fitness
Cervical Cancer a Common Cause of Death Among Women Yet the Most Preventable Form of Cancer
By Dr. Mukaindo A. Mwaniki
C
ervical cancer affects the neck of the womb and it is the growth of abnormal cells in the lining of the cervix. Worldwide, this disease ranks as the fourth most frequently diagnosed cancer and the fourth leading cause of cancer death in women and yet is a preventable disease. Cervical cancer ranks second behind breast cancer in low-income countries. According to WHO 2018, 33 per 100,000 women in Kenya have cervical cancer and 22 per 100,000 die from the disease. All women are at risk for cervical cancer and this disease occurs most often in women over the age of 30. The human papillomavirus (HPV) is the main cause of cervical cancer, HPV is a common virus that is passed from one person to another during sex. Most sexually active people will have HPV at some point in their lives, but few women will get cervical cancer. Other factors that can increase the risk of cervical cancer are intimacy at an early age, multiple sexual partners, sexually transmitted diseases, HIV and cigarette smoking. Precancerous conditions of the cervix are changes to cervical cells that make them more likely to develop into cancer.
Precancerous conditions are not yet cancer, but there is a higher chance these abnormal changes will become cervical cancer if they aren’t treated. If left untreated, it may take 10 years or more for precancerous conditions of the cervix to turn into cervical cancer, but sometimes
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A well-proven way to prevent cervical cancer is to have testing (screening) to find pre-cancers before they can turn into invasive cancer and vaccination in pre teen children against the virus that causes the cancer.
this happens in less time. These changes are seen on screening tests conducted by your doctor.
Cervical cancer and precancer lesions can be detected through a Pap smear test. For this test, your doctor/nurse looks inside your vagina using a device called a speculum. He or she will then use a small brush to collect cells from the cervix that will be examined in the laboratory. Depending on your age, the doctor will also do a test for a virus called human
papillomavirus (HPV). Alternative tests done in low resource settings include visual inspection with acetic Acid (VIA) or Lugols iodine (VILI). A screening test is not painful and provides information that can be life saving. The Government of Kenya is conducting a nationwide campaign to encourage screening for cervical cancer.
Women between the ages of 25 to 64 are advised to have Pap smears every three years. However, HIV positive women are urged to undergo the procedure every year. Early cervical cancer shows no symptoms and therefore screening is of utmost importance. The most common symptoms at presentation are irregular or heavy vaginal bleeding or bleeding after sexual activity. Some women present with a vaginal discharge that may be watery, mucoid or foul smelling. Advanced disease may present with pelvic or lower back pain, bowel or urinary symptoms, such as pressure-related complaints, vaginal passage of urine or stool, are uncommon and suggest advanced disease. In asymptomatic women, cervical cancer may be discovered as a result of cervical cancer screening or incidentally, if a visible lesion is discovered upon pelvic examination. Once cervical cancer is diagnosed, the next step is to determine the stage. Staging is a system used to describe the spread of a cancer. Cervical cancer is staged upon the results of physical examination and imaging studies. There are several options for treatment of early-stage cervical cancer. Decisions about treatment depend on the stage of the cancer, your age and health. The most common treatment for early-stage cervical cancers is radical hysterectomy. The alternative is radiation therapy which is usually given in combination with chemotherapy.
The widespread use of cervical screening programs has dramatically reduced rates of cervical cancer in the developing world. A well-proven way to prevent cervical cancer is to have testing (screening) to find precancers before they can turn into invasive cancer and vaccination in pre teen children against the virus that causes the cancer. In Kenya, women should be keen to screen for this type of cancer as delayed diagnosis and lack of awareness are the major factors causing women to die from the disease. www.destinafrica.co.ke
Africa
GREAT DRIVE
Motor
Mercedes-Benz Gle And Gle Coupe Released Mercedes-Benz’s upcoming off-roader will get a more muscular exterior design and a cabin filled with the latest technology www.destinafrica.co.ke
T
he current GLE - codenamed W166 - made its debut in 2015, and this successor, the W167, will continue to face that car’s incumbent rivals, the Porsche Macan and Range Rover Sport, when it arrives in showrooms early next year.
The GLE has now been revealed - take a look at the production car here The 2019-model-year GLE is described by senior officials from Mercedes’ R&D headquarters in Germany as a “clean sheet design” with little relationship to the
4.2sec AMG’s current GLE model is no slouch, accelerating from zero to 62mph in 4.2sec current model, which was launched under the M-Class banner in 2011 before being rebadged as part of a midlife facelift in 2015.
Mercedes has offered a first official glimpse which features twin digital displays for the instruments and infotainment functions within a single panel. Unlike the freestanding units used by the A-Class, E-Class, G-Class and S-Class, however, the digital panel in the new GLE is mounted below the upper section of the dashboard.
The German car maker’s boss of interior design, Hartmut Sinkwitz, said this provides a more integrated appearance: “We wanted to integrate the panel more seamlessly. It provides a greater feeling of sturdiness”. Sinkwitz has played an important part in the transformation of the interior design of Mercedes models in recent years.
The GLE’s panel supports two 12.3in digital displays as standard. They are supported by a new multi-function steering wheel featuring 18 controls, including two touch-sensitive pads within the horizontal spokes, as well as a larger touchpad within the centre console that replaces the rotary dial used by the outgoing GLE. As with the new A-Class, the instruments and infotainment system operate via a new MBUX (Mercedes-Benz User Experience) interface that supports conversational speech and information gathering via the Mercedes Me app. Mercedes-Benz announces Electric Silver Arrow as EQ flagship concept Sinkwitz suggested improvements in component cooling has allowed Mercedes to better integrate the digital instrument and infotainment panel within the GLE: “We’ve improved the operation. There’s less heat build-up than we had before.” Further interior elements of the new GLE previewed in the official sketches include a near-vertical steering wheel and a wide centre console featuring two prominent grab handles. As in the existing GLE, the gear selection is via a direct shift stalk
on the steering column rather than a traditional gear lever, a measure that frees up space for two large cupholders within the forward section of the centre console. At the heart of the new SUV is the car maker’s MHA (Modular High Architecture) platform. Heavily related to the MRA (Modular Rear Architecture) platform that underpins the C-Class, E-Class and S-Class, the new structure has been conceived for Mercedes models featuring a high ground clearance.
Power is expected to come from an updated list of turbocharged four and sixcylinder petrol and diesel engines, as well as a new plug-in hybrid option. The latter is important to ensure the car can conform to strict emissions legislations in key markets, including China, which dictates that a car must be capable of zero-emissions running. Like the current car, a hot AMG GLE 63 version is due, where it is expected to use AMG’s twin-turbocharged ‘hot vee’ V8 engine, in place of the current car’s older 5.5-litre unit. The more efficient unit is good for 603bhp in other applications, such as the AMG E 63 S, but the biggest improvements over the 5.5-litre come with efficiency and its lighter weight, which should lend to more responsive handling. AMG’s current GLE model is no slouch, accelerating from zero to 62mph in 4.2sec, so its more potent and lighter successor could edge this heavyweight’s sprint time into the realms of proper supercars. Its arch-rival, the BMW X5 M, is due on roads later this year with 592bhp, ensuring close competition. www.destinafrica.co.ke
Africa 44 TRAVELWISE
British Airways Empowers its People at Heathrow to Assist Customers with Any Travel Issue
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ulti-million pounds investment in staff training
• Staff empowered and trained to work across the terminal to solve any problem
• Mobile devices will help them to assist with reservations, ticketing, flight changes, re-bookings and up to date flight information
Part of a continued initiative to care for and put customers at the heart of its business As part of its continued commitment to put customers at the heart of its business, British Airways has today announced a multi-million pounds investment in training for its staff at Heathrow beginning with its customer service hosts at its flagship home, Heathrow’s Terminal 5.
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Investment in customer service training The investment is part of the airline’s plan to have the most skilled, responsive and flexible customer team of any major hub airport. British Airways’ hosts have traditionally helped customers with one aspect of their journey.
As part of a new approach, between now and next summer a huge training operation will get underway to enable every host to help customers across a range of different areas – from ticketing, to re-booking, changing reservations, finding delayed luggage or providing up to date flight information. More help for customers Hosts will use iPads loaded with a number of specialist apps and will walk the
terminal floor, reaching out to customers, rather than waiting for them to visit desks.
Klaus Goersch, BA’s Chief Operating Officer said: “This will change the service we deliver at Heathrow, but at its heart, this is a really simple idea. It’s about trusting our people and empowering them - giving them everything they need to provide the very best service to our customers. We’re encouraging our hosts to treat customers as they would their own family, and to own and resolve issues on the spot. It’s this exceptional customer service that will set us apart from other airlines.” The new approach is expected to be extended across Heathrow to empower all British Airways staff, whichever area of the airport they work in, to provide outstanding customer service.
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Africa
PLOTS FOR SALE This is a luxurious, ready to build project offering you the comfort that comes with a gated community.
1/8th ACRE
1.495 M SMS YOUR NAME TO 20321 CALL 0725 000 222
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Woodcrest Estate is located approximately 27kms from
Graded roads
Nairobi, 5kms from the Nairobi- Mombasa highway, exiting
Perimeter fence and gate
to your left at Engen Petrol station, along Mutungoni road
Water and electricity
The project is 14kms from the Syokimau Railways Station
Flexible payment plan
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and next to Mutungoni Academy. and 18kms from Jomo Kenyatta International Airport.
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