Diaspora Matters

Project capture is one of the most complicated areas where seasoned experts can struggle with. Capture science is rarely studied and only a few get to feel it through experience. Project capture happens at many boards, projects within companies, and in the open environment in areas such as start-ups and partnerships and community projects.

Where no legal documentation such as constitutions exist—capture is a breeze. Where new projects with no tried and tested systems exist—again capture is like slicing  cheese with a hot knife.

The first mistake most make is to focus on your project and failing to appreciate who could be interested—outside and within and what their plans could be.

Lets share some shield tactics for community owned projects.

Leadership Committee: Some leaders could be founders who may not have gone through elections. If the projects succeeds beyond expectations—there could be resentment and underhand tactics to join the leadership or expel the whole lot with a new capture team coming in. To curb this—have a constitution with limited tenure and elections. This is easy on paper as some could end up clinging on to power and not creating room for others. And this creates resentment and fuel strategies for capture.

Protecting Leadership: A leadership could be doing a sterling job but someone wants to be part of the leadership. Some of the strategies to barge in includes capturing the treasurer especially where cash is involved. Cash goes missing and chaos is automatic. The whole leadership is booted out creating room for new capture team. The treasurer is the easiest link where cash handling takes place. Innocent parties in the leadership in most cases get caught in the crossfire.

Therefore to protect innocent members of the leadership committee—in cases where the whole lot is booted out—the Risks and Management Committee should automatically come in—and this should be captured in the constitution. They do investigations—present to members with recommendations and if fresh elections are required, they do so. This singles out the guilty parties and not the entire leadership.

Still its complex as the new elected committee member could have done enough canvassing and yet guilty of triggering chaos.

Who moves in after chaos—a tricky and complex matter but at all costs move with caution when kicking out the entire committee.

2 Committees to find before capture: Having a leadership committee running solo makes them sitting ducks for capture. Those interested in turfing them out only have one collective target. Push them out using unorthodox tactics—and come in as Rescue Team. But if there is a constitutionally mandated team, this means capturers have 2 stairs to climb. In capture, they often move with speed and using speed to kick out one committee—and the second committee without detection or raising eyebrows–no stroll in the park.

You could reflect on projects you have been part of and reflecting on tricks and games employed by capture teams—there was a second in charge team that was the missing link, Missiles shot straight to one team and it was over.

The value of assets held by Kenyan Saccos (Savings and Credit Cooperative Organizations is estimated at US$10 Billion or roughly 10% of the country’s GDP. Applying this to Zimbabwe—the value of Saccos assets should be US$3,5 Billion. But where are the local Saccos?

Can you list the top 10 Saccos in Zimbabwe? Which Sacco has assets above a million dollars? Possibly a few which are under ground—how about those +$10 million?

The target should be a collective $3,5 billion and showing exponential growth. Yes millions of dollars flowing amongst diasporas and locals. But where is the evidence? How many high rise buildings in Harare or Bulawayo are owned by Saccos?

So Zbinites—here is your challenge to lay the foundation for the next generation. In your circles start serious discussions on what Kenyans are doing and steps you are taking to follow in their footsteps.

The 10 Best SACCOs in Kenya

Are you considering investing in or borrowing from a Savings and Credit Cooperative organization? Here’s a run-down of the 15 best performing SACCOs in Kenya.

1. Mwalimu National SACCO

With an asset base of 66.43 Billion shillings, Mwalimu National SACCO ranks among the largest Saccos in Kenya. The Sacco focuses on giving teachers access to affordable financial services. Just like its name ‘Mwalimu”, the Sacco majorly targets teachers of all calibers, from primary to tertiary level. Also included are TSC secretariat members and children or spouses of members who aren’t formally employed.

The Mwalimu National Sacco services include welfare services, business loan products, FOSA and BOSA products. The FOSA (Front Office Services Activities) provides banking services such as loans, salary advances, and instant credits. Business loans offered include asset financing, insurance premium financing, mortgage financing, and collateral-based loans.

Business loans

Besides savings, Mwalimu National Sacco provides welfare services to its members, including risk funds, last expense benefits, and burial benevolent funds. The BOSA (Back Office Services Activities) offers members different loan products against the deposits they’ve made. 

The head office of Mwalimu National Sacco is located at Mwalimu Towers, situated along Mara Road, in Uperrhill, Nairobi. This Sacco was founded in 1974 with just 9 members. Currently, it has 18 branches and over 123,000 members. 

2. Stima SACCO

Stima SACCO started operations in 1974 with a mandate of serving the formerly known East African Power & Lighting Company employees. It has since evolved to be among Kenya’s top saccos thanks to its broad coverage of members from different sectors including corporations, groups and business persons. The Sacco also ranks second in terms of asset base and thus has a high stability ratio.

Stima Sacco has many firsts; it was the first to be licensed by SASRA, the first to induct mobile banking, and the first to launch ATM services. It was also the first to unveil Sharia-compliant product services and the first to issue cheque books. The Sacco offers various services like savings options, investment options, credit facilities, insurance, mortgage, and diaspora services.

Stima Sacco embraces its core values of teamwork, innovation, integrity, and professionalism to fulfill its objectives. The Sacco currently has over 200,000 members which includes both residents and non-residents. Finally, Stima Sacco has 14 branches, and its head offices are at the Stima Sacco Plaza, Mushembi Road, in Parklands, Nairobi.

3. Kenya National Police SACCO

The Kenya National Police Sacco started in 1972 with a total of 690 members and has since grown to host over 73,000 members. This Sacco employs its core values of quality, integrity, teamwork and innovation to dispense its mission of providing members with competitive financial solutions.

Some of the services offered by the Kenya National Police Sacco include credit, savings, loans and investment services. The members who are drawn majorly from the police service enjoy low loan interest rates, interest on deposits, high annual dividends, instant loans, etc. However, the sacco membership isn’t limited to the police service as civil servants and individuals from business communities can join.

As part of its achievements, the Kenya National Police Sacco was recently awarded the “Best Managed Sacco in Kenya” at the Ushirika Gala Awards 2024. The Sacco has 7 branches in Kenya’s major towns, and its head office is at the Kenya Police Sacco Plaza situated along Ngara Road, Nairobi. 

4. Harambee SACCO

Harambee was Kenya’s first president Jomo Kenyatta’s favorite slogan which means “Pooling together.” The history of Harambee Sacco dates back to 1969 when members drawn from the then Office Of the President(OPP) joined to form a merry-go-round. Their vision was to encourage members to have a savings plan to help them access short-term loans.

The need for growth saw the merry-go-round transform into a full sacco-society under the name Harambee DT SACCO Society, which was formed in 1970. Despite its humble beginnings, Harambee Sacco now ranks among Kenya’s best and largest saccos. It boasts an asset base of 38.57 Billion and over 80,000 members.

The sacco’s members come from diverse backgrounds, including civil servants, corporates, groups or chamas, and CBOs (Community Based Organizations). This sacco offers its members different services ranging from savings and loans to investment opportunities. Harambee Sacco has 5 branches, and its head offices are at the Harambee Plaza, Heile Sellasie Avenue, Nairobi. 

5. Tower SACCO

Tower SACCO was formed in 1976 by a group of primary teachers in Ol’Kalou, Nyandarua County. The Sacco’s membership has since expanded to cover the police service, farmers, parastatals, business community, county government employees, etc. It currently has over 250,000 members and a 23.23 billion asset base.

Tower Sacco offers members different financial services, including investment products, loans, savings and insurance. They’ve adopted innovative measures like mobile banking, internet banking, visa-branded ATMS, and Tower Sacco agents to make service delivery easy. Finally, the Sacco has 25 branches, and its head office is at the Tower Sacco Plaza in Ol’Kalou.

6. Afya SACCO

If you’ve ever been to Nairobi, you are probably aware of the iconic green Afya Center Building located along Tom Mboya Street. This building houses the Afya Sacco head office. Afya Sacco was founded in 1971 by a group of 20 people but has since grown to host over 38,000 members. 

The Afya Co-op Sacco Society services include FOSA, investments, land acquisition and loan services. This sacco has embraced technology by introducing E-services like the tender portal, dividends portal, recruitment portal and customer inquiries for better service delivery. 

7. UNAITAS SACCO

This deposit-taking Sacco was registered in 1993 and was then known as Murang’a Tea Growers cooperative society. It comprised a group of like-minded farmers who combined to encourage the spirit of saving and getting loans at affordable rates. 

However, the Sacco later changed its name to Muramati in 2007 hence expanding operations beyond Murang’a and opening doors for other entrepreneurs. Muramati later changed its name to the currently called Unaitas Sacco in 2012 by incorporating members form different sectors and developing client-tailored products.

Unaitas has 31 branches in Kenya’s major towns, and its head office is at the Cardinal Otunga Plaza, Kaunda Street, Nairobi. The services offered by Unaitas include savings, investments, and loans. 

8. Imarisha SACCO

With only 14 branches, Imarisha Sacco has an asset base of 21.78 billion and over 160,000 members. This broad membership is attributed to Imarisha Sacco’s commitment to providing effective yet efficient financial services through accountability, integrity, equity and transparency. The incorporated services include savings, loans, digital banking and diaspora services.

Imarisha Sacco Society opened its doors in 1978 under the name Kipsigis Teachers Sacco, which was formed by a group of 100 teachers. In 2014, the Sacco rebranded to its current name, Imarisha Sacco and began to accept non-teaching members. The Sacco has 14 branches, and its headquarters are at the Imarisha Sacco Building, in Kericho town.

9. United Nations SACCO

The United Nations Sacco was formed in 1975 with only 131 members and aimed to provide financial services to UN (United Nations) employees. Nonetheless, the Sacco has since expanded its membership to include United Nations-related agencies, staff and selected international organizations.

This Sacco has since grown to be home to over 6900 members and an asset base of 18.21 billion. The United Nations Sacco services include mobile banking, savings, money transfer, safe custody, loans and investments. Its offices are located at the UN SACCO Building, United Nations Complex, Gigiri, and Nairobi. 

10. Ukulima SACCO

Ukulima Sacco was formed in 1972 when employees of the Ministry of Agriculture pooled funds to help empower themselves financially. This Sacco doesn’t put restrictions on membership. For instance, formerly employed or self-employed Kenyans can join the sacco, no matter their country of residence, as long as they are Kenyan citizens. Thus, it accepts membership from individuals, corporations, chamas/groups, etc. 

Members of Ukulima Sacco can access different services, such as borrowing, saving, or investing. With only 8 branches and over 58,000 members, this is more than enough proof of the trust that Kenyans have in the sacco. The head offices of Ukulima Sacco are at the Ukulima Cooperative House, Haile Selassie Avenue, Nairobi.

Despite Zimbabwe and South Africa being neighbours, there are some stark contrasts in culture divided by the Limpopo River. Take for instance in South Africa—passengers can calmly wait for taxis (kombis) and when they arrive—you board and greet everyone. In Zimbabwe you just board and greetings not necessary.

In South Africa, a stationary taxi can easily fill out with passengers before the driver revs the engine and driving off. In Zimbabwe a stationary bus or kombi is likely to face huge challenges in attracting passengers. A stationary bus resembles a broken down or dead bus.

So we can safely trace the culture of revving engines in Zimbabwe. Go to any bus rank and a lot of fuel is wasted as buses rev engines interminably. At major bus ranks such as in Dulibadzimu in  Beitbridge—a bus can have a running engine for hours before departure.

This has forced buses plying the Harare-Bulawayo route to pick up passengers headed to Bulawayo and pretending to be going to Bulawayo and only to perform u-turns and return to pick up more passengers till they have filled out the bus.

Remaining stationary is technically suicide as no one will board the bus. Revving the bus now not enough—pretend to be finally driving to the destination and in the process fooling passengers.

In vernacular—Hatikwire Bhazi Risati Rofamba (We do not board stationary buses).

And this culture permeates across the country and business strategists can study and implement innovations in business.

• Market Entry—have sufficient numbers of influencers to help in launch of products. Show ACTION.
• Selling Vehicles—post images of vehicles on roads (shows it is a runner), including video footage.
• Travel Agents—show evidence of clients who have benefited.
• Whatsapp Group—you will need a good number in your group before others join.The fewer the numbers, the harder it is for new members to join.
• New app launch—have a good number of downloads before launch. Show ACTION.
• A business seminar—have a core team that attends first and showcase to those with questions. In most cases those who miss the first event, will attend the next one.

A lot to be learnt from the streets—do take your time to analyze developments and they help you  in appreciating consumer behaviour. You want to reboot your business strategies? Take a short trip to Mbare Musika Bus Terminus, spend a few hours observing the environment and asking yourselves a lot of critical questions, and return to the boardroom.

This is an area you are not taught in auditing at colleges or professional studies. An area that leaves experienced risk management professionals with an egg on their faces. This also applies to those who enter the partnership route. It could be equated to The Art Of War and everyone should take an interest taking notes for future implementation.

The textbook highly recommends having constitutions in place to safeguard interests. However disputes abound where constitutions exist. The underlying cause will be greed.

Greed is in most cases hidden but resurfaces at critical periods such as winning a big tender or a big contract. And you don’t need to go far—just study the hunting styles of lions. Great team work and strategy in following prey—then the coordinated hunt and if lucky, dinner time. You may need to check out videos on Youtube for lessons.

Let’s share a case study;

Our first project: We pooled funds for a farming project with land secured, inputs secured under contract, soil tests done. With a week to go before tilling of land and planting—the following took place;

One member profusely protested about farming sesame and not maize? This took place despite a business plan developed and endorsed by everyone—he was part of it. Sudden change at the critical period of farming and changing crops to be planted.

The methodology involved an avalanche of complaints coming thick and fast—endless phone calls, and messages. This will tire everyone and the weak will pull out and this often results in leadership changes.

A sudden last minute change proposal followed by huge coordinated traffic often achieves changes. It’s a tiring game and often succeeds. Some in frustration can exit leaving their funds.

After achieving the change in stopping the original crop for farming— A change in crop followed, and also a change in place for operations. A distance of over 150 kilometres.

A series of changes took place resulting in a change from crops to livestock.

Financial & Risk Management Advice did not yield results—it never does. Those trying to bring light often end up leaving—which would be the objective anyway.

The new sheriff working in cahoots with a clique eventually took over promising great returns. This was before increasing share prices to eject those who could not afford and replacing them with new investors who paid huge sums.

The value of the project shot up by 500%. Later the same script was played to the remaining members till the project ended up as a family affair. Yes it ends up with these words; Iyi I company yemhuri yedu!

Where cash is involved-capture is extremely easy. The target is the treasurer—infiltrate the treasurer and it’s a done deal.

The project was not captured at inception, instead; the capturer waited for enough funds to be pooled, and  final decision to plant crops reached—then changed goal posts because if the planting had succeeded, it was going to be extremely difficult to convert it into own empire.

To you scholars and lawyers—there is a critical period at which a project is captured. Do revise your drafting of constitutions. (1) Funds Pooled + (2) Critical Action Point About to Take Place.

Stop Stage 2 by all means necessary—wreck havoc, increase the noise volume, leave everyone disoriented till some exit. Win by all means necessary. If there is a constitution—shred it into pieces!

Change amounts, change venues, change periods, change terms, change leadership, change everything to suit the needs of the capturer or a small clique of capturers. And the script is almost the same across the country including the diaspora.

Now did you study this at school? If an auditor—was this part of the risk management module?

Plan for this if planning to enter into a partnership or crowdfunding project. There is a stage 2 to navigate—succeed and there lies your success. You need to include this in project planning under risk management.

A journey that started with just 3 bean seeds back in late 2023, how is progress 21 months later? The good news is that we have exponentially grown our seedbank with thousands of our members involved in seed multiplication at their backyard gardens. A few members managed to extend to big spaces such as plots and rural areas.

Big plots farming has come with its own challenges such as irrigation and poor soils. But we keep pushing and we are also inviting small investors or sponsors interested in the scale up phase.

As we enter June, we expect frost to impact the beans thereby derailing progress till end of July.

On a positive note more varieties have been discovered varying in shapes, sizes and colours. Another new variety emerged due to cross pollination. If you are interested in buying seeds, we could link you to various members dotted across the country and the contact number is +263773055063

Thousands have been benefited from cruise ships jobs since 2021 and more continue to search for opportunities 4 years down the line. Our forum helped to champion or kickstart cruise ships and we are proud for the role we played. Initially there was resistance but with time more embraced cruise ships jobs.

When did cruise ships jobs start?

Way back from as far back as 2010—Zimbos were already working on cruise ships—but there were a tiny few. Requirements to join cruise ships jobs were extremely tough. In South Africa one needed to part with no less than US$600 to get a placement.

So what happened?

Cruise ships faced serious challenges during the Covid-19 pandemic as there were fatalities—and on reopening some opted not to return, so a very serious gap opened in late 2021. Bottom line is cruise ships were very desperate for staff members. A change in immigration laws resulted in  mass recruitment from Southern Africa region with Zimbos and South Africans dominating.

How many were recruited?

It’s difficult to come up with numbers, but directly from the forum—around a thousand were recruited. Outside of the forum—the numbers could run above 10,000.

 Are recruitments going on in May 2025?

Yes but very limited—just last week, a Zbinite who had waited for 3 years finally got an offer letter from Msc Cruise, I also assisted on interview coaching someone who had an interview for a laundry assistant position. Just be patient—don’t give up but the numbers of recruitment had drastically gone down. We however do expect more ships to be added and this will result in more recruitment—wait for the next BOOM in recruitment.

What are the requirements?

Qualified professionals from all areas are recruited—from culinary services, to support services such as Accounting, Digital Marketing, House-keeping, Laundry, butchers. The list is long. Look for posts on the forum.

Are there any scammers?

Yes there are plenty with some guaranteeing jobs—but there is no recruitment agency for cruise ships in Zimbabwe. It’s a Do It Yourself Process. You apply (using relevant resume templates), get interviews(there are tricks for winning), and if successful—an offer letter given which you use to obtain an American Visa (You have to physically go to the Embassy—no middlemen), you also need to pass medicals, and obtain a Police Clearance.

Final Advice

Be extremely patient—cruise ships still recruiting but in drips and drops—no longer enmasse recruitments. Be innovative in applications and wait for the next BOOM. Also consider job fairs which regularly take place in South Africa—some have been successful after travelling all the way from Zim to SA. Regular posts and updates found on our subscribed members forum for cruise ship jobs.

One of the best benefits of being a member of the forum is learning from fellow members as their share their experiences of how they started, the challenges they faced and how they overcame them. Every member of the forum has an equal chance to participate as a host on our Premium Chats which are held every Friday evening. You get your name known across the forum and in most cases the impact is felt on your cashflows.

Our last presenter was Rejoice Blessing Ndhlovu who is the founder of Rebbles Interior Deco based in Harare. We share below some of the material she shared.

Professional Background: She has a decade of experience in teaching before resignation and venturing into entrepreneurship. She tried her hands at many things before finally settling for interior deco and the first thig she did was getting a training on sewing.

Business Launch: She launched her business in November 2023 registering it as Rebbles Interior Deco after her initials. A legally registered business which has risen to become one of the best in the capital.

Challenges: The first challenge was the fear of entering a market with big established players. A lot of training and mentorship helped overcome the fears. Her next challenge was competition from runners who imported material. However with time-the established brand started gaining market traction as they preferred locally available materials.

Her contacts:

Address: No 40 Josiah Tongogara Avenue, Harare

Phone: 0712087911/0774312640

Website: www.rebbleinteriors.co.zw

What an honour to have been a panellist amongst the top brains across the region—from Academia, Professionals, to Entrepreneurs. Presenters from;

• Angola, Namibia, Mauritius, Mozambique, South Africa, Zambia & Zimbabwe

The Southern African Development Community Marketers Association (SADCMA) is the brain child of Angolan who is The Chief Marketing Officer for Angola Special Economic Zone. SADCMA seeks to promote regional integration and unlocking opportunities for SADC states. Amongst the founders is one of Admins—Darlington Letala representing Zimbabwe.

Yesterday’s webinar sought to assess trade disruptions, economic pressures and strategic responses to the recent USA Tarrifs.

Great presentations and contributions from all members of the panellists and interestingly the webinar was oversubscribed thanks to the great work by the media team.

Angolan Entrepreneur Marlene Jose: Founder of Foodcare LDA. We hope to explore Agriculture Opportunities and share notes on the exports of agricultural exports.  Zimbabwean farmers doing extremely well on horticulture exports to Europe and excelling on blueberry exports where we have risen to become the third largest exporter of blue berries. There are a lot of opportunities to explore in this area.

Mauritius Investment Analyst Taroonah Doolub: For all investment interests in Mauritius—we now have a contact who is a call away. She did an excellent presentation on Legal Frameworks to Navigate Tariffs as well as investment opportunities in Mauritius.

Zambian Entrepreneur Arnold Nyendwa: A lot of innovations coming through from Zambian entrepreneurs—excellent presentation from Arnold and there is room for collaboration with African  entrepreneurs.

Of course the continent is loaded with top academics and top economists from the region who provided economic insights and strategic responses included Miyelani Mkhabela (South Africa)—interesting insights on the South African vehicles assembly operations. Another top economist was Egas Daniel from Mozambique sharing Economic Policy Pathways and Regional Integration. Thank you Egas and Miyelani for the well researched and insightful presentations.

Of course Namibia recently elected a female president and the happiness and joy warmth did spread through the webinar with top class moderation from the Namibian Toucy U. Tjijombo—Namibia got talent!

My presentation was on currency volatility and hedging strategies with a bias on small businesses—sharing how resilient Zimbabwean Entrepreneurs were managing and innovating around the challenges. The latest remarks by the Zimbabwe Finance Minister Prof Mthuli Ncube on tariff negotiations. And my views on diaspora remittance investment opportunities and lessons for SADC from Zimbabwean  diaspora remittances. Of course glitches impacted the presentation, but we hope to get this sorted in future.

Its Africa rising through initiatives such as SADCMA as the key takeaway was unity of purpose across SADC and fully exploring opportunities presented by AfCFTA. Just do not miss the next webinar in order to explore opportunities across the region.

Rurimi rwaamai rwunoita zvinhu zvizhinji zvakawoma zvireruke. Nekudero tinopembedza muzvinafundo wepa University of Zimbabwe VaLuckson Mugomo ava vanova mazvikokota muzvidzidzo zve Data Analysis uye kuva nhengo ye ZBIN. Vakabvuma gore rakapera kuita Premium Chat iyo vaitipakurira zvizere zvingatibatsire mumabhizimusi edu pakushandisa Data Analysis ne Science.

Chidimbu chezvavakatipakurira chiripo pasi;

Good evening ladies and gentlemen, it’s an honour to meet you guys. l really appreciate the time. As we tune ourselves to the time we were waiting for.

Informal marketers nemaSMEs vanowanzoshandisa nzira dzakapfava dzemabhizinesi, asi pane mhando dzedata analysis dzavanowanzoregeredza, uye kushaya hanya nadzo kunogona kuvapinza mumatambudziko akasiyana. Heano maitiro ekuti dzimwe dzedata analysis dzinosarirwa kunze uye matambudziko anogona kuvaitika:

1. Customer Segmentation Analysis (Kuongorora Kwevatengi Pakutenga):

Inoregeredzwa Nei: Informal marketers nemaSMEs vanowanzo pinda mumugwagwa wekubata vatengi vese sevanhu vane maitiro akafanana.

Matambudziko: Kugumbuka kwevatengi kana kushaya chokwadi kwevatengesi. Vanogona kushandisa mishandirapamwe isina kutarirwa, vachitambisa zviwanikwa pasina kuvandudza zvavari kupa kune vatengi vanoda chaizvo.

Zvinoita Kupiwa Njere: Segmenting vatengi zvinoenderana nezvinodiwa, maitiro ekutenga, uye nhoroondo kunogona kuvabatsira kugadzira mishandirapamwe inoshanda uye kuchengetedza vatengi.

2. Sales Trend Analysis (Kuongorora Mafambiro Ekutengesa):

Inoregeredzwa Nei: SMEs dzinowanzo tarisa pane chikuva chazvino chemari, pasina kuongorora zvizere mafambiro ekutengesa kwavo munguva refu.

Matambudziko: Kushaya kuchenjera pakuronga nguva dzepamusoro kana dzekuderera kwemitengo uye kutarisira inventory, zvichizounza kana kushomeka kana kutambisa zviwanikwa.

Zvinoita Kupiwa Njere: Kuongorora mafambiro kunobatsira kutarisa nguva dzepamusoro pekutengesa uye kugadzirira kushandisa zvizere zviwanikwa panguva dzakakodzera.

3. Inventory and Supply Chain Analysis (Kuongorora Inventory uye Cheni Yezvinhu):

Inoregeredzwa Nei: SMEs uye informal marketers vanowanzotadza kuongorora zvakanaka mashandiro echeni yezvinhu uye kuongorora masheya avo.

Matambudziko: Kuwanikwa kwezvinhu kunogona kupererwa kana kutakura zvinhu zvisina kudikanwa zvinodya mari. Dzimwe nguva izvi zvinokonzera kukundikana kubhadhara zvinhu zvakakwana kana kufa kwezvigadzirwa zviri mumaoko.

Zvinoita Kupiwa Njere: Kuongorora mashandiro ekuwana zvinhu, kutarisa kunzwisisa mashandiro ayo uye kuona kuti zvigadzirwa zviri mukuchenjera here zvinodzivirira kana kutora mikana pazvinodiwa.

4. Customer Lifetime Value (CLV) Analysis:

Inoregeredzwa Nei: Vatengesi vakawanda vari pamisika isina kurongeka vanowanzogadzirisa kutengesa kwavanosvika asi havakwanise kuverenga kukosha kwevatengi kwenguva refu.

Matambudziko: Kusaziva kuti vatengi vapi vane kukosha kwepamusoro kunokanganisa marongerwo emari, vasingagadzirise sarudzo dzebhizinesi kugutsa vatengi vane hukama hurefu.

Zvinoita Kupiwa Njere: Kuongorora CLV kunobatsira mabhizinesi kushandisa zviwanikwa zvavo zvinobudirira pazvikamu zvevatengi zvine mikana huru yekusimudzira bhizinesi kwenguva refu.

5. Cost Analysis and Profitability Analysis (Kuongorora Mitengo neKuwana Purofiti):

Inoregeredzwa Nei: SMEs dzinogona kuverenga purofiti pasina kunyatsorondedzera mitengo yakazara, semuenzaniso mari dzekutakura, kutengesa, kana mitero.

Matambudziko: Izvi zvinoguma nekusaziva kuti ndedzipi zvinhu kana zvigadzirwa zviri kuita purofiti uye ndedzipi dziri kutambisa mari, zvichitadzisa kutora matanho anovandudza bhizinesi.

Zvinoita Kupiwa Njere: Kushandisa data kuongorora mitengo yakazara kunobatsira kuchengetedza purofiti uye kuvandudza masarudzo ekuti zviwanikwa zvirongedzerwe kupi.

6. Predictive Analytics (Kuverenga Zvinogona Kuitika):

Inoregeredzwa Nei: Informal markets uye SMEs vanowanzoita sarudzo dzebhizinesi dziri kutevedzera manzwiro emazuva ano kana zviporofita, kwete kushandisa data kuita fungidziro dzekuzivikanwa kwekambani munguva refu.

Matambudziko: Izvi zvinogona kuunza kukundikana kuronga ramangwana zvakanaka, kurasikirwa nezviwanikwa, uye kukanganisa kugadzirwa nekusimba kwemasheya.

Zvinoita Kupiwa Njere: Kushandisa predictive analytics kunovabatsira kufanotaura mikana uye matambudziko anouya, uye kuita sarudzo dzakanyatsobatana nedata kuti zvigadzirise kuwana purofiti uye kuchengetedza bhizinesi.

7. Competitive Analysis (Kuongorora Kukwikwidza):

Inoregeredzwa Nei: SMEs dzinozvitarisa dzoga uye dzinonzwa sekunge hakuna kukwikwidza kwakanyanya mukutengesa kwavo.

Matambudziko: Kusaita ongororo yemakwikwi kunoita kuti vakundikane kunzwisisa zvigadzirwa kana masevhisi avanofanira kuvandudza kuti vagare vachikwikwidza.

Zvinoita Kupiwa Njere: Kuongorora maitiro emakwikwi nevatengesi vakuru uye vakuru vemumunda kunogona kuvapa nzira dzekusimudzira bhizinesi ravo uye kushandisa misika yavanogona kuwana.

Kushaya hanya nedata analysis inodzika mushe mukugadzirisa bhizinesi kunogona kuunza SMEs nema informal marketers munataisireva nematambudziko anosanganisira kuderedza purofiti, kushomeka kwevatengi, uye kutadza kukwikwidza nemusika mukuru.

Kana managing yevashandi kumashop kuri kukunetsa, unogona kushandisa data analysis kuti uwane nzira dzekugadzirisa matambudziko aya.

 Heano maitiro data analysis ingakubatsira pakumanager basa rako:

• Kutevedzera mashandiro evashandi: Ungashandisa data analysis kuona kuti vashandi vari kushanda sei kana kugadzira metrics dzekuita kwavo. Zvinhu zvakaita sekugadzirisa nguva dzavanosvika kubasa, maitiro ekuvashanda, uye huwandu hwebasa ravanoita zvinogona kukubatsira kuvandudza kutarisirwa kwavo.
• Kuita kwemasheya uye kushandiswa kwezvipo: Paunoramba uchishandisa data kuongorora mashandiro ezvipo nemasheya, unogona kuona kuti zvigadzirwa zvipi zvinotengwa zvakanyanya, zvinotora nguva yakareba kudarika kugadzirwa here, uye ndedzipi nzira dzingaitwa kuti kuderedza marara nemari yekuchengetedza.
• Kushandisa predictive analytics: Ungashandisa maalgorithms kuongorora mamodheru ezvinotarisirwa kutenga zvigadzirwa, zvichiita kuti ugadzire maoko ekutenga izvo zvigadzirwa zvinodiwa kazhinji, zvichideredza kurasikirwa uye kukwidza purofiti.
• Kuongorora reviews kana mafeedback: Kukanganisa kunowanzo kuitika mukubata nevashandi kunogona kuoneka mukufunga kwavo kana mafeedback evatengi. Data analysis inokubatsira kugadzira nzira dzekukoshesa mafeedback uye kugadzirisa nzvimbo dzinosangana nematambudziko.
• Kutarisira mari: Kubatsira ne data analysis, unogona kuve nemakakatanwa ekudzora mari uye kugadzira zvigadzirwa zvinonyanya kubatsira, zvichiita kuti uchengetedze purofiti.

Munzvimbo dzisingaputike (informal markets), unogona kushandisa mhando dzakasiyana dze informal data collection methods:

Surveys neGoogle Forms kana WhatsApp kugadzirisa ruzivo nezve vatengi nevashandi.

Dashboards dzePower BI kana Tableau kuti unzwisise mashandiro emakambani evatengi uye maitiro ekutenga.

Sales analysis uchishandisa Excel kuti uwane nzvimbo dzine simba uye nzira dzekuvandudza.

Data analysis inowedzera kujekesa pamashandiro evashandi uye inobatsira kugadzirisa basa rako se manager.

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How He Started: I became a middleman. Yes, I found a man with trucks and told him I will sell your sands and for every load give me $10. In my first 2 weeks I moved sands worth $1600. getting a commission of $300. One episode that really pushed me to go into hardware…

I got a job to renovate a house and showed the lady mikoto of cheap items and helped her get discounts. We bought paints, sands tubs, sinks, electrical items worth $7000.When I charged 1800 to do the renovations she said you want to buy a car? I was pained and left the job as I had saved her in excess of $900 using my contacts.

Let’s go to stats a bit: 1. Zim has a housing backlog of over 1 million and it’s still growing, 2. In Byo over 2000 plans are submitted yearly, 3. A house needs between $10 000 to $60 000 in materials to be completed.These are items that a bought on cash.

Startup Figures:To start a hardware business you need between $0.00 like me to $10 000. There are these types of hardware, General hardware or specialised hardware, eg paints hardware, electrical or plumbing,

Shifting to Supply: However, in my journey as a builder I discovered some things that made me move towards supply.1. Even if you direct prospective home owners to the cheaper mikoto they wont thank you. In fact they want a further discount on your labour charge.2. Its the suppliers who give you ye drink for bringing a client.3. Labour fee is paid over a long period but all materials are paid up front on cash. I decided to move over to supply.

Requirements: A general hardware is capital and human resource intensive as construction is very broad. You need manpower who understand, plumbing, electrical etc.

Mostly those main items you need to build.

Cement Tricks: The curious case of cement, cement has a profit of 70 cents a bag. But cement is a client puller. Low profits but it pulls people who buy other items.