JIJENGE CREDIT LIMITED’s Post

𝐃𝐢𝐯𝐞 𝐢𝐧𝐭𝐨 𝐭𝐡𝐞 𝐖𝐨𝐫𝐥𝐝 𝐨𝐟 𝐂𝐨𝐦𝐦𝐞𝐫𝐜𝐢𝐚𝐥 𝐏𝐚𝐩𝐞𝐫 𝐈𝐧𝐯𝐞𝐬𝐭𝐢𝐧𝐠! Did you know that while the Government of Kenya (GOK) offers a 365-day T-bill at 16.6% p.a., there's a commercial paper (CP) out there offering a net 20% p.a. for the same period? 💼💰 📝 𝐖𝐡𝐚𝐭 𝐀𝐫𝐞 𝐂𝐏𝐬? Let me break it down:Think of them as short-term investments, similar to GOK T-bills, but instead of lending to the government, you're lending directly to private companies. 🎯 𝐖𝐡𝐚𝐭 𝐭𝐨 𝐋𝐨𝐨𝐤 𝐅𝐨𝐫 Understanding the credit quality of the company, investment time to maturity, and interest return on investment. This is just but a few essential for evaluating their potential benefits and risks to your investment portfolio, along with having a solid financial consultant to advise. 𝐇𝐨𝐰 𝐭𝐨 𝐒𝐮𝐜𝐜𝐞𝐞𝐝 Diversification into several CPs, keeping an eye on the market, and consulting a finacial advisor is key to maximizing your investment potential. ⚠️ 𝐑𝐢𝐬𝐤𝐬 𝐭𝐨 𝐂𝐨𝐧𝐬𝐢𝐝𝐞𝐫 While commercial papers offer attractive returns, they also come with risks. Factors like credit risk (the possibility of the issuer defaulting on payments) and market risk (fluctuations in interest rates and economic conditions) should be carefully evaluated before investing. 𝐀𝐧𝐝 𝐢𝐟 𝐲𝐨𝐮'𝐫𝐞 𝐢𝐭𝐜ℎ𝐢𝐧𝐠 𝐭𝐨 𝐥𝐞𝐚𝐫𝐧 𝐦𝐨𝐫𝐞 𝐟𝐞𝐞𝐥 𝐟𝐫𝐞𝐞 𝐭𝐨 𝐫𝐞𝐚𝐜ℎ 𝐨𝐮𝐭. #commercial_paper Investing #Investing_right Sarah .W. Wambugu Sean Gichuru Francis Njoroge

Insights from our recent workshop to explore the feasibility of an #OpenFinance regime in Zambia in partnership with the Bank of Zambia and the William and Flora Hewlett Foundation, highlight a key takeaway: the private sector collaborations for data sharing surpass expectations but encounter challenges. These include diverse approaches to liability and consent, which underscore the importance of context-specific solutions, shaped by local market assessments. Addressing these challenges creatively is key to advancing Open Finance.

Exploring Key Agri-SME Lending Trends in East Africa: Aceli Africa's 2024 Financial Benchmarking Report in Collaboration with Dalberg Advisors Highlights Insights from a 20K Agriculture Loan Dataset Worth $1.2B #agriSME #eastafrica

The 2023 EFInA Access to Finance 2023 Survey Highlights reports only a 4.2% growth in the use of Credit as a financial service between 2018 to 2023 to just 38%. The recently launched Nigeria Consumer Credit Corporation (CrediCorp) owned by the Federal Government of Nigeria #CrediCorp has outlined strategies to accelerate consumer credit access to 50% of working Nigerians by 2030 through building partnerships for #financial inclusion!

Aceli Africa's 2024 Financial Benchmarking Report produced in partnership with Dalberg Advisors presents an analysis of key #agriSME lending trends in #EastAfrica based on a dataset of 20k agriculture loans valued at $1.2B. These loans were issued from 2019-22 by 35 Aceli lending partners across Kenya, Rwanda, Tanzania, and Uganda. Over the four years, lending to agri-SMEs by Aceli’s partners more than tripled from $154M to $497M (note: most of these loans were issued before lenders began working with Aceli).  More headlines: 💡 Agri-SME lending by commercial #banks in the dataset grew at an annual rate of 50%  💡 The fastest growth comes from #Tanzania where government enabling policies have increased access to affordable capital for the country’s largest banks 💡 The vast majority of the growth is concentrated at smaller ticket sizes below $200k, with the $10k-25k segment substantially outpacing growth in other loan size segments 💡 Profitability from agri-SME lending continues to lag both yields on government bonds and overall profitability for banks in East Africa 💡 Aceli’s incentives reduce the return gap, but agri-SME lending remains a higher risk, lower return proposition than other options Dive deeper into the data in the full report: https://lnkd.in/ecft67nC Stay tuned for our Y3 Learning Report coming soon!

Together As One PLC emerges as a rising star in Kenya's microcredit sector. This dynamic company offers a range of financial services tailored to meet the diverse needs of Kenyan consumers and businesses. Key offerings from Together as One include Specializing in financing options such as: - Car logbook loans - Car finance - Title deed loans - Import duty finance The company prides itself on providing affordable interest rates, aiming to make financial growth accessible to a wider audience. Together as One's mission focuses on creating "financial swiftness" - a concept that emphasizes rapid, efficient financial solutions to support their clients' development and growth. As Kenya's financial landscape continues to evolve, Together as One positions itself as a partner in progress for individuals and businesses seeking to expand their financial horizons. Their approach combines modern financial tools with an understanding of local needs, potentially making them a noteworthy player in Kenya's microcredit market. #starbrandsawards2024

Navigate Your Financial Journey with Confidence. Credit Nigeria helps you search for loan offers for which you are eligible. visit creditnigeria.com to begin. #creditnigeria

Our 2024 Financial Benchmarking Report produced in partnership with Dalberg Advisors presents an analysis of key #agriSME lending trends in #EastAfrica based on a dataset of 20k agriculture loans valued at $1.2B. These loans were disbursed between 2019-2022 by 35 lenders across Kenya, Rwanda, Tanzania, and Uganda. In this four-year period, topline lending to agri-SMEs more than tripled from $154M to $497M. More headlines: 💡 Agri-SME lending by commercial #banks in the dataset grew at an annual rate of 50%  💡 The fastest growth comes from #Tanzania where government enabling policies have increased access to affordable capital for the country’s largest banks 💡 The vast majority of the growth is concentrated at smaller ticket sizes below $200k, with the $10k-25k segment substantially outpacing growth in the other loan size segments 💡 Profitability from agri-SME lending continues to lag both yields on government bonds and overall profitability for banks in East Africa 💡 Aceli’s incentives reduce the return gap, but agri-SME lending remains a higher risk, lower return proposition than other options Dive deeper into the #data in the full report: https://lnkd.in/epX4PQe7

GDI-incubated Aceli Africa published their 2024 Financial Benchmarking Report, produced in partnership with Dalberg Advisors. The report presents an analysis of key #agriSME lending trends in #EastAfrica based on a dataset of 20k agriculture loans disbursed between 2019-2022. 📈 Aceli’s latest benchmarking data shows agriculture loan books tripled from $154M to $497M between 2019-2022 across 35 lenders in Kenya, Rwanda, Tanzania, and Uganda. The vast majority of the growth is concentrated at smaller ticket sizes, with the $10k-25k segment substantially outpacing growth in the other loan size segments. 💡 But profitability from agri-SME lending continues to lag both yields on government bonds and overall profitability for banks in East Africa. While Aceli’s incentives are reducing the return gap, #agriSME #lending remains a higher risk, lower return proposition. Learn more insights from the 2024 Financial Benchmarking Report: https://lnkd.in/epX4PQe7

Remember to invest wisely as you pursue your goals. Trust Zambia's leading firm, First Atlas Charter Consulting, to guide you on your financial journey. Your success is our priority. https://lnkd.in/eyC3RBtR #InvestSmart #FinancialConsulting #FirstAtlasCharter #ZambiaBusiness