K O K I @kawkeytrish Twitter profile | Pikagi

Pikagi

K O K I

@kawkeytrish

5,170

Followers

970

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538

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🌸🧠🇰🇪🦏🌍Versatile & Capable~Neurospicy | Mama🌻 #AwarenessIsKey 💡 #AgeOfAquarius ♒️ #KnowYourself 🪢 VC | Data | FP&A | Literacy | Strategy |✌🏽♥️🥂💋✨🌹

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Joined January 2020

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@kawkeytrish

K O K I

4 months

Making a thread of all my book threads for easy access to those literary lovers who believe knowledge is the great equalizer and the weapon formed against this govt Difficult things yield the greatest rewards +we owe it to our kids #PastPresentFuture #LoveItForward #RaiseYourBar

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@kawkeytrish

K O K I

4 years

The biggest thing about Fuliza is the interest that it earns on the borrowed amount. What they avoid talking about at all costs because if Kenyans really knew what’s up they would avoid it like the plague. Let me break it down for you like the FA I am

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K O K I

4 years

They simply offer customers a means to buy time, but at a premium so costly it would be illegal for a Kenyan bank. Ni hayo tu kwa Sasa. Let me go back to my books now🤯😳😅

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K O K I

4 years

What this means In numbers exactly is this: If you borrow 1000 from mshwari you’ll part with around 56 bob interest If you borrow the same 1000 with fuliza you’ll part with around 244 bob This is if both debts last 30days Those numbers are INSANEEE

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@kawkeytrish

K O K I

4 years

Safcom’s fuliza is no different from all these digital lending apps that are all over Kenya burdening the majority of Kenya’s poor with debt that can only be classified as slavery now. That’s why big papers like financial times call this ‘perpetual debt in the silicon savanna’

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@kawkeytrish

K O K I

4 years

In essence, what that really means is that while a bank will give you an annual rate of not more than 13.6(currently the highest by Jamii bora bank as per CBK website June report), Safcom will give you an annualized rate of 395.2% per year🤯

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@kawkeytrish

K O K I

4 years

Safcom is essentially a telco that is now offering financial services but doesn’t want to be classified as such and can’t according to the law. Communications authority powers are limited to their communication services. So who gon check them? NOBODY!

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K O K I

9 months

I will never be a well behaved woman Because in this society and world—that means conformity, rejection, painful tolerance, self-abandonment and self disrespect. No thank you.

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@kawkeytrish

K O K I

4 years

I’m the safcom website under FAQs for fuliza they have clearly indicated that you will be charged a one off interest rate of 1.083% and a daily administrative fee on the outstanding balance ranging from KES 2-30 for a limit of 0-70k Those numbers don’t look bad right? WRONG

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@kawkeytrish

K O K I

4 years

And another thing that makes it all the more disturbing is that it does not fall under Kenya Bankers Association so it is not a regulated product like what banks offer so they will inflate that interest rate to their hearts desires without any repercussions in the long run

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@kawkeytrish

K O K I

4 years

And of course this real cost of debt is never mentioned much lest Kenyans know they are not paying that 1.083% or the 7.5% for fuliza. It’s bad for business duhhh. They choke it down to product differentiation but it’s purely extortionist.

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@kawkeytrish

K O K I

4 years

You can’t be listed under CRB for not paying fuliza the way you would by banks and the digital mobile lending apps. They will just keep racking up your debt the more you don’t pay and it’s a classic debt trap

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@kawkeytrish

K O K I

4 years

Compare this with their other products like Mshwari that charge 7.5% standard fee(not revolving on outstanding balance like fuliza) which is essentially around 90% per year(still high but incomparable by a long shot)

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K O K I

4 years

It’s attractiveness and addictive ness comes from the fact that it is so easily accesible on your phone, it’s size and brand clout, lack of disclosure of the actual full interest in its terms and conditions(the 1.083% ni ya kufumba macho honestly) and the icing on the cake

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@kawkeytrish

K O K I

4 years

@DavidTecca @guylikericky Ooliskia wapi?😂 Napenda tena sana! This life is not for suffering Little pleasures in life are a must🤣😂

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@kawkeytrish

K O K I

4 years

@mathewsndolo 😂😅 Just educating the masses. Tebu share widely. People need to know. This isn’t information that only people who are financial analysts should know. And even for us we have to sit and calculate the real cost of debt. When they launched it I couldn’t believe🤯🤯 the audacity!

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@kawkeytrish

K O K I

4 months

@MuchiriiMike The more you speak on it; the more energy you give it. Today is the day of expanding; expand in the right direction where energy goes grows

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@kawkeytrish

K O K I

4 years

Social capital investment There is something in life called "Social Capital." The people you know; the people who know you and how they know you.

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@kawkeytrish

K O K I

4 years

@ngilablood Lolest Sasa si you educate without throwing stones. We are all here to learn. Cost should be a factor of risk. Not convenience. I know my finance to the best of my knowledge

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@kawkeytrish

K O K I

7 months

Kenyan law-makers once again demonstrate utter disregard & contempt for Kenyans The Seed and Plant Varieties Act Cap 326 punishes farmers with jail up to 2yrs or a fine of 1MN for sharing indigenous seeds without certification or registration. Small holder farmers will suffer

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@kawkeytrish

K O K I

9 months

1MN KES = 6,000 USD Outrageous

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@kawkeytrish

K O K I

4 years

There is so much tragedy all round everywhere that if it hasn’t touched you directly and death hasn’t come knocking on your loved ones door Be extra grateful🙏🏽

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@kawkeytrish

K O K I

9 months

“Shaming is one of the deepest tools of imperialist, white supremacist, capitalist patriarchy because shame produces trauma and trauma often produces paralysis.” — bell hooks

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@kawkeytrish

K O K I

9 months

This is the kind of stuff that triggers my spirit every time I get on this TL. My mum died due to femicide and a robbery plot gone wrong. That was over 20years ago. A whole cold case STILL. YET the problem is not only persistent but worse today. STOP KILLING WOMEN! Exhausting AF

@citizentvkenya

Citizen TV Kenya

@citizentvkenya

9 months

Woman found dead in her house, lover on the run

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@kawkeytrish

K O K I

4 years

Alafu if I may add before Twitter nazis attack me. Yes Fuliza is an overdraft facility. I am speaking on it being used as a loan facility since some people are using that reason to defend the high rates. And even if overdraft. Check what is being offered elsewhere. No comparison

@kawkeytrish

K O K I

4 years

The biggest thing about Fuliza is the interest that it earns on the borrowed amount. What they avoid talking about at all costs because if Kenyans really knew what’s up they would avoid it like the plague. Let me break it down for you like the FA I am

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@kawkeytrish

K O K I

4 years

@MuhandeCaleb Exactly! And it’s a very sad state of affairs because the rich that can afford these rates probably don’t even take fuliza. It’s people in the “Kadogo economy” and the “zero balance economy” Lemme explain

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@kawkeytrish

K O K I

2 months

Anyone know someone who designs logos Please link me up Thanks in advance

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@kawkeytrish

K O K I

3 months

✨🍯🌻💛🌕✨ @ijeomaumebinyuo

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@kawkeytrish

K O K I

4 years

The world is full of lonely people afraid to make the first move

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@kawkeytrish

K O K I

4 years

Okay guys I’m not an expert I just know a lot of finance stuff and I read too much if there is such a thing. Want advise and to give me work here is my LinkedIn; Instagram ni ya raha tu😂

@kawkeytrish

K O K I

4 years

The biggest thing about Fuliza is the interest that it earns on the borrowed amount. What they avoid talking about at all costs because if Kenyans really knew what’s up they would avoid it like the plague. Let me break it down for you like the FA I am

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@kawkeytrish

K O K I

4 years

@SurfKimathi @_misplacedhuman Sasa deni ya China if I write a thread si you just make me minister or Finance I clean up this shit teketeke 😂

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@kawkeytrish

K O K I

4 years

Some people don’t realize that you can forgive them without ever speaking to them again It’s not a grudge It’s PEACE OF MIND

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@kawkeytrish

K O K I

9 months

The thing about new beginnings is that they require something else to end Some endings take a long time to reveal themselves but when they do, they’re almost too easy to ignore Some beginnings start so quietly you don’t even notice they are happening

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@kawkeytrish

K O K I

4 years

For those asking if I recovered from the stupid manchild😂😅. Yes yes. Still slaying. Still glowing. Still a gift. Still impressive. Best believe it!🤗❤️

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@kawkeytrish

K O K I

9 months

Nature loves courage. You make the commitment and nature will respond to that commitment by removing impossible obstacles. This is how magic is done.

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@kawkeytrish

K O K I

4 years

The most important asset you have in life is not your job, money or title; its people. Your network is your networth!

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@kawkeytrish

K O K I

3 months

@KenyanSays I don’t agree with this After everything Anyone saying anything remotely to giving Zakayo even an inch… Nikiskia hizo maufala naskia KUCHIZI

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K O K I

4 years

@joao_joe1 Not everyone understands this as clearly as you do💯

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@kawkeytrish

K O K I

7 months

Happiness looks so good on me🥰♥️ #OpticalNutrition

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@kawkeytrish

K O K I

9 months

@DushiNjenga 😂😂😂 I have laughed out loud reading this Especially the drill sergeant part Women in male dominated spaces is 2024 for you😂🫠🤭

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K O K I

4 years

You are already represented by a chief, DO, MP, MCA, Senator, Women Rep, Governor and the list goes on How will adding more people benefit you if even the ones there have nothing to show for it Hii BBI inanisuffocate!

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@kawkeytrish

K O K I

4 years

Lakini before you go spending your hard earned cash to have things you see “influencers” having please think twice. Yeye amepewa bure or has demanded in the name of “I’ll give you exposure”. What are you doing in the name of standards?

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@kawkeytrish

K O K I

4 years

@poloka2010 @Belive_Kinuthia Yes and were they genuine about that need and demand they would have put a rate that makes sense and still gives them a sizeable portion of profit. As it stands it’s their cashcow

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@kawkeytrish

K O K I

4 months

They will not enjoy what they steal EVER

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@kawkeytrish

K O K I

8 months

Some cool books I’ve read on the state of the world I encourage every African who can, please please, to read them if they can. This is also a small lesson on how to integrate knowledge to serve you in current affairs. Enjoy! And add more 📚 A thread

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@kawkeytrish

K O K I

4 months

@KhalifKairo Please! selfserving refs are the worst Tumesoma sawa?! The same Sun Tzu says If you know the enemy and know yourself, you need not fear the result of a hundred battles That inference to lack of leadership leading to disorganization is invalid It is clear our demands #RutoMustGo

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@kawkeytrish

K O K I

3 months

@DushiNjenga I almost forgot about her Oh wait…I did What a pickmesha🚮😩

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@kawkeytrish

K O K I

9 months

@NjeriWaMigwi “Pick me” Jane and “Not all men” John where are you now?!

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K O K I

4 months

@_omalicha__ I am watching in DISBELIEF I am shook at the ridiculousness From are those abducted Kenyans to yellow distracting dresses to the ayes have it MAD

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@kawkeytrish

K O K I

3 months

Because I have no business forgiving people who do not feed me, fund me or fuck me😂💀💯🫡 In the corner of ‘steady increasing the commas’ #IndifferentToIdiots #Babygirl #Sundays

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@lianatarshy

LIANA❤️CK

3 months

Forgive Osama Otero or post yourself?

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K O K I

3 months

@nashohmy Straight outta black mirror I love it!🥰😂

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@kawkeytrish

K O K I

4 years

@MuhandeCaleb 3. These loans are not taken for anything else but necessity as much as they are for lack of awareness and information because what are your options really? All of them are just problematic. It’s that people think fuliza is the best problem to have but wueh! Nope 👎

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@kawkeytrish

K O K I

3 months

Another address that could have been an email/memo/note🤦🏽‍♀️ Dear Kenyans Sitoki Mtado Signed Ruto. He won’t go gently into the night and it’s infuriating but never stop; never settle. We have no expectations of you Zaks Just follow the directive #rutomustgo

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@kawkeytrish

K O K I

4 years

@MuhandeCaleb 1. Whether working as a hawker who cant accrue sufficient stock or an employee whose salary is not enough to last the month, the irregularity and paucity of income in Kenya added to the corruption and covid, all these compel borrowing

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@kawkeytrish

K O K I

4 years

@MuhandeCaleb 2. With rent income due, school fees on the horizon, relatives asking for help with medical costs not to mention feeding yourself and those who depend on you, Kenyans find themselves in a position of having to borrow to make ends meet

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@kawkeytrish

K O K I

4 years

Every time I see a rape/harrassment story online my heart bleeds. Yaani every woman knows a woman who has been through this but rarely do men say I know of a rapist/harrasser It just reminds me of my own story and it’s just a nightmare to relive that never goes away fully

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@kawkeytrish

K O K I

9 months

Is there a functioning app out there for learning African languages like Swahili, Igbo, Tswana, Xhosa, Yoruba, Berber, Hausa, Kamba, Kikuyu, Luo, Maasai, Kinyarwanda, Lingala, Ewe, Akan, Kanuri, Mossi, Kikongo, Krio, Luganda, Oromo? If not someone make it please and thanks

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@kawkeytrish

K O K I

5 months

A boss babe. Always. Where the champagne at🥂🥰🍀✨ Email me angela @diligenceafrica .co

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@kawkeytrish

K O K I

4 years

Avoid being a leech, a user or nagger. Just be a nice person who in a calculated way stays in touch with people and brings joy, encouragement and hope.

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@kawkeytrish

K O K I

4 years

LAST WORKING DAY🎉🎉🎉 4years 4months Where did the time go Feels like the end of an era How we are feeling? Quite bittersweet, relieved, anxious for what the future holds Overall...Intensely proud of myself

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@kawkeytrish

K O K I

4 years

Aren’t Kenyans tired of contributing for hospital bills? Coz it’s too much!

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@kawkeytrish

K O K I

4 years

As we progress through the year, please learn to connect with people in your circles. Check on people, send someone a birthday message, check their timelines and comment something positive and inspirational.

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@kawkeytrish

K O K I

4 years

BBI My opinion and thoughts which I will take time as I read through it very thoroughly and carefully I’ll pin this and update this thread daily

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@kawkeytrish

K O K I

4 years

Have a conversation with a doctor or nurse one of these days Your heart will bleed for them Unless you are cold and heartless Supporting them is an important imperative They are fighting for the system for our future generations at this point

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@kawkeytrish

K O K I

4 years

😂😂😂😂 I need a smart husband Do you fit the bill

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@kawkeytrish

K O K I

4 years

Social capital is not built overnight; it is reciprocal and does not need money (especially in this virtually connected world) to build. It just needs being sensitive that people have emotions and that you can't sneak into their lives only when you need help.

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@kawkeytrish

K O K I

4 years

Most importantly, respect everyone no matter their status in life and be there when others need you. Be a solution, an encouragement and inspiration.

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@kawkeytrish

K O K I

9 months

#NewProfilePic

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@kawkeytrish

K O K I

8 months

The older I get, the more I realize that success at most things isn't about finding the one trick or secret nobody knows about. It's consistently doing the boring, mundane things everyone knows about but is too unfocused/undisciplined to do. Get good at boring

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@kawkeytrish

K O K I

8 months

For Anyone who wants to understand what’s happening with our economy at the moment

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@kawkeytrish

K O K I

4 years

Alafu our so called leaders have no leadership direction We are dealing with a pandemic, teachers and students dying while cases spike and they are here forcing BBI down our throats while spending tax payer money to launch etc?!?! Talk about misplaced priorities

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@kawkeytrish

K O K I

4 years

2021 is starting tomorrow in my mind Coz it’s the week that has 1st(I count my days in weeks) I’ll probably be the busiest I’ve ever been & away from social media I just hope everything starts well, goes well & I thrive See you later later Mashallah💕 Call/Text/Wozzap me🤗♥️

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@kawkeytrish

K O K I

4 years

😂😂😂😂😂

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@kawkeytrish

K O K I

4 years

Creating a connection with people is important for building your social capital. And even if they don't respond, at least keep in touch and don't just reach out when you are in need.

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@kawkeytrish

K O K I

4 years

I pride myself on being sensitive and empathetic Today I’m just distraught I clearly said some stuff that hit a nerve and that wasn’t even my intention 😔

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@kawkeytrish

K O K I

4 years

Did you know that in the 10months of the pandemic since January The top 1% roughly less than 1000 people in a world of more than 7bn people, got richer by over 930bn during the same pandemic We really do live in the strangest of times if this is normal😳

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@kawkeytrish

K O K I

3 months

@amenya_nelson Na AirPort kelele ni za helicopter tu Lovely scenes😂💉💀💪🏾👏🏾🤪🤣 Ahhhh Naisha #rutomustgo

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@kawkeytrish

K O K I

4 years

Quite unfortunately, people think or behave like social capital is only needed on weddings and burials. That is why you see someone will not have contacted you in ten years but out of the blue they are sending you a message, "Hello longtime. Btw, next Sunday is my wedding. I need

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@kawkeytrish

K O K I

3 months

@JobMwaura Where can I get a digital copy of this?

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@kawkeytrish

K O K I

4 years

It can save you money, make you money, get you a better job, make things easier and safer, it can save you from prison, or save your life: it can save you time and effort, and make life more enjoyable and productive

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@kawkeytrish

K O K I

4 years

Pick your phone and call someone, or text them. It could be your relative, your colleague, your former schoolmate, a former or current boss, your CEO, your parents etc.

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@kawkeytrish

K O K I

8 months

High standards protect you from low quality experiences

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@kawkeytrish

K O K I

4 years

@elvisgromyko @SafaricomPLC Imagine if zuck had managed to invest in safcom when he came and it was scaled up to be part of Facebook Facebook would be untouchable A behemoth! That’s why they refused the deal to begin with.

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@kawkeytrish

K O K I

2 years

My mother’s bestie when she was alive🌸🌸🌸 I’m so proud by association NGL Love this woman first because she has loved me as a promise to my mother in all the 20+ years she has been resting in peace and secondly because she is AMAZING My mama would be proud as am I💕

@patricksafariR

Patrick Safari

@patricksafariR

2 years

Machakos County MCAs have elected Anne Kiusya as their county assembly speaker. Now the top county leadership is under women. Governor, speaker, senator, women Rep. Congrats machakos Girls

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@kawkeytrish

K O K I

11 months

It is definitely a work of art. Absolutely Brilliant!

@ibramxk

Ibram X. Kendi

11 months

Not long after that, Sadiqa comes over with a huge smile: “It is a work of art. It is a beautiful gift for Black people. Really everyone.” A gift. 🖤 I am in awe and gratitude for the fearless, innovative, ambitious, and love-filled village that created this gift. 3/3

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K O K I

3 months

Reject colonial debt Reject colonial institutions PanAfricanism needed here Know the debt but tell them In fact You owe us reparations 🤷🏽‍♀️

@IMFSpokesperson

Julie Kozack, IMF

@IMFSpokesperson

3 months

I extend the IMF's deepest sympathies to the people affected by recent events in Kenya. We remain committed to help Kenya establish sound macroeconomic fundamentals, crucial for sustainable growth and job creation, especially for the country's young people.

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K O K I

4 years

I think the sentence I use the most is “I’m grateful” and I truly am♥️ My life has been a blessing. I’m grateful for everything I do, have and the places I’m going and the things I’ve seen

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@kawkeytrish

K O K I

4 years

The best wisdom you’ll get💯♥️

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@kawkeytrish

K O K I

8 months

Nothing feels sweeter than calls that start with “I was recommended to you” or even better “you came highly recommended” Value doesn’t shout💯🔥✨🥂 💃🏽💃🏽💃🏽

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@kawkeytrish

K O K I

8 months

The only real dating advice is self improvement. The best way to meet an incredible person it to become and incredible person

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K O K I

9 months

What’s happened to that babe is sad. & can people stop pretending that prostitution doesn’t exist. It’s one of the oldest professions & what two consenting adults do in private is none of anyone’s business but it becomes everyone’s business when murder is involved. Protect women

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K O K I

3 months

Art will cure society faster than politics @gufydox That was brilliant🔥💯🫡

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@kawkeytrish

K O K I

4 years

I can’t understand why anyone would support the BBI Please make it make sense I’ve been reading it since morning and my head hurts! This is just disempowering the masses through and through

@sankaristi

Sapient Sankarist

4 years

@wmnjoya BBI is simply gaslighting Kenyans into voting to take away their right to vote.

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K O K I

4 years

Social capital is massively important and when built and used correctly, it can make a very big difference to one's quality of life.

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@kawkeytrish

K O K I

7 months

90% of seeds planted in Kenya come from informal systems So who benefits from this law? Seed companies? Gatekeepers? 15 smallholders are petitioning the High Court at the moment but shouldn't there be better avenues for public participation?

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@kawkeytrish

K O K I

3 months

Baba Charlene is so fucking out of touch You can’t tell me this is normal behavior Because only psychopaths behave like this I’m sorry

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@kawkeytrish

K O K I

4 years

Today I want to tell you about a new concept I’ve learnt today called Antifragility A thread

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@kawkeytrish

K O K I

4 years

So kazi mtaani is being used to collect signatures by force?!?! This gava!🤦🏽‍♀️🤦🏽‍♀️🤦🏽‍♀️🤦🏽‍♀️

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@kawkeytrish

K O K I

4 years

Warogi wako wapi they take care of this BBI issue aki🤦🏽‍♀️

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