End of Bankelele? Discovering backwards

Deno at Virtual Insanity recently wrote about Close Calls and I must share mine from the weekend.

Driving down towards Naivasha on Friday afternoon, we had just broken through the fog of Limuru, and got our first view of Mt. Longont and the whole rift valley drop at the edge of the road. We were doing about 100 kph and had just passed about four lorries and buses that were going much slower. We passed a petrol station that sits alone on the edge of the drop, and began the long descent that would take us to the floor of the valley a dozen kilometres later.

Suddenly the back of the car swung out and we found ourselves facing one of the few roadside barriers left in Kenya. We had an excellent driver who still found time to apologise to us, saying “we’re dead” as his hands worked the steering wheel. He didn’t make any sudden turns, but somehow the car turned away from the cliff-drop and spun the other way, toward the rock-edge of the road. This part of the road was quite wide because there’s a climbing lane for slow moving lorries to crawl up the hill. Our spin did not end there, and we found ourselves going down the hill backwards as Juan Montoya has preferred to do recently.

The car did another ¾ turn during which we briefly faced forwards and saw a Nissan tourist van which had been coming up hill, but had now stopped, to witness our moment, and avoid tangling with us.

All the spins, must have taken used up a lot of momentum because we ended up, off the road, facing the rocks, but stopped in a shallow grass ditch. We hadn’t hit anything during our spin, but had been re-passed by the slow 4-car train. As we cooled off, we gave small waves to the van driver to show we were ok. The engine had gone off at some point, but it re-started without any trouble, and once we righted ourselves, we continued on our journey.

SUV scare

I later drove the car around Nakuru and discovered that 4X4’s are bit unsteady – in Kenya where one is constantly dodging potholes, an SUV is difficult to manoeuvre around them without losing control – perhaps this is why many drivers (mostly driving GK cars) just plough straight through them at high-speed.

divine intervention

But back to our, earlier spin – which was a completer freak incident as we weren’t going too fast, and driver didn’t hit the brakes or make any turns. I can’t remember if seatbelts (which we were all wearing) became a factor, but the car had no airbags. Maybe it was an oil slick on the road (from the nearby petrol station perhaps), orange peel, or banana peel on the road that caused it – but we’ll never know. So as Jules Winnfield famously said, “this was divine intervention.”

Tag

Have enjoyed reading this one, and now been tagged, by Kipepeo so here goes.

10 years ago:
Enjoying life in DC, just done with college, got my first real job, which came with a company jeep (w/car phone which was a big deal back then)

5 years ago:
Just done with grad school, and life was not as rosy as expected. Companies were laying off people, dot-coms were going bankrupt, tarmacking was very strict, and Osama was still a jeopardy answer

1 year ago:
Nairobi, contemplating parenthood

Yesterday:
Meeting people as I walked around at town lunch time which is what I do when there’s a wter shortage in the City – I don’t eat (i.e. what do restaurant kitchens use?)

5 songs bands I know all the words to:
Yeah – Eddie Murphy
No Woman No Cry – Bob Marley
several Jay Z
several Ice Cube
National anthem

5 Snacks:
a beer
ice cream
yoghurt cup
brown bread slice – plain/kavu
coke/sprite

5 Things I’d do with $100 million:
That’s 7.3 billion shillings!
become a Member of Parliament
build several apartment blocks
buy a Mombassa time share
retire
start a non-specific foundation

5 places I would run away to:
Mombasa
Seychelles
DC
Monaco for GP
my local

5 things I would never wear:
tight trousers
jeans
rings/jewellery
sideburns
long Aladdin shoes

5 favorite TV shows:
Sopranos
X-files
Howard Stern show
Bernie Mac show
Seinfeld

5 greatest joys:
F1 racing
the Internet
soccer
P
tusker

5 favourite toys:
Mercedes E200
Boeing 777
my nokia (phone, camera, organizer, alarm, radio, flashlight)
my TV
my microwave

5 people I’m tagging:
Afromusing
Blue poet
Chanuka
Kenyan Pundit
Ms k

What’s the 411

The NY Sun (tabloid) claims that most Kenyan papers have it wrong, and this is how the story goes.

Newsy Kenyans

  • Noble work = Nobel Prize?: The Christian Science Monitor commends Gen. Lazaro Sumbeiywo for heading the Sudan peace talks.
  • Cash Money Brothers: Two Kenyan brothers could earn in 1.6 billion shillings when they float shares of their 12 year old community service company in the UK.
  • Girl tribes: The Washington Post looks at tribalism/the tribe factor at a girls school in Kenya.
  • Diplo-jack: A few days after the new Danish ambassador was invited to interact with Kenyans, he met the car-jacking type, but was otherwise unharmed.
  • Absa Coming: As the Barclays-Absa merger continues into its next phase, Absa is expected to buy up Barclays operations in Kenya and other African countries over the next two years. Currently, Barclays parent owns 68.5% Barclays Kenya, valued at 33 billion shillings ($450 million).

Money Transfer within Kenya

I had a situation over the weekend, where I was faced with a choice of having someone send money instantly to me while I was in Eldoret – and this led to a discussion of the cash remittance business in Kenya

Past:  Surprisingly, Western Union and Moneygram, which have been recording growing volumes and signing up new banks (like KCB) every month, already represent the past in money remittance. The reason for this is the cost of the transfer, which now puts off savvy consumers. E.g. to send 10,000 shillings to Eldoret, the cost was 1,700 (14.5%) via Western Union and 1,850 (15.6%) via Moneygram.

  • Transaction time: a few seconds
  • Cost: about 15% of amount transferred
  • Convenience: All major towns, available at over 10 bank and dozens of forex bureaus which have extended hours.

Present: With recent investments and advances in IT, banks like Barclays and Standard Chartered are now fully networked, with transactions made instantly reflected in accounts. For cash remittance, I’ll give a friend my Barclays account number, and he’d go to his local Barclays branch, e.g. in Mombasa, or Kisumu, and deposit the money into my account – and I’d be able to withdraw it almost instantly in Eldoret.

  • Transaction time: a few minutes
  • Cost: 0 – 500 shillings (depends on withdrawal fees at the bank for over the counter transactions since cash it not always reflected at the ATM)
  • Convenience: One must have an account with a bank which is networked e.g. Barclays, Standard Chartered, NBK, ABC and the bank should have a branch. But banks have very short working hours usually 9 a.m. – 3 p.m. KCB which has the country’s largest branch system has not networked all its branches yet.

Future:  The future will be for money transfer via cellphone, as is already taking place in the Philippines and South Africa. Like MTN, Safaricom and Celtel will one day launch cellphone banking systems to capitalize on the millions of cell phone users, who don’t operate bank accounts, especially in rural areas, where banks have been closing unprofitable branches.

  • Transaction: a few seconds
  • Cost: transaction fee to be determined
  • Convenience: Safaricom and Celtel combined have over 5 million subscribers. Also one can expect market leaders like Western Union and Barclays to capitalise on cell phone banking.