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On the evening of 27th December 2016 at the Bahari Beach Hotel in Mombasa, the Hazina Fraternity officially launched Ushirikiano Savings & Credit Cooperative Society. This is a vehicle specifically formed to enable staff members of Hazina Development Trust Limited and its subsidiary companies save and borrow for different needs they may have. Ushirikiano SACCO is a duly registered Savings & Credit Cooperative Society through the State Department of Co-operatives in the Ministry of Industry, Trade and Cooperatives. The SACCO entails to promote togetherness among the staff members of Hazina in helping one another economically. As such it shall operates under the slogan: Pamoja Tusonge Mbele – Together We Shall Move Forward. The ceremony was witnessed by the board members of Hazina Development Trust Limited who have been supporting the initiative since the beginning of its formation. The Group CEO, Mr. Zayyad A. Said applauded the committee of the SACCO in ensuring the dream has been actualized and for their tireless efforts to ensure it is fully registered.

Count down began!!! A total of 269 applicants across Kenya boldly submitted their applications to participate in Hazina Accelerator Cohort 3 as of the close of the application window on 30th November 2021. 2 busy weeks for our panelists as they reviewed all applications received and have selected best 50 startups to demonstrate their businesses fighting for a slot in Hazina Entrepreneurship Bootcamp where they will undergo extensive training on what it takes to run and scale a successful business. Remember, only 25 out of the 50 will be selected to go for the bootcamp. Who will it be? Well, that’s for the judges to determine early January 2022? As for now, lets look at the best 50 startups selected. Congratulations to all the applicants. Hazina Accelerator – Where we invest in startups through knowledge and capital. Here is a list of the 50 startups selected in no any particular order or ranking: Victor Muiruri – Black Pavila (Machakos) Lenard Kiragu – Feedena (Nairobi City) Peter Chege Peter – Besefa Farm (Nakuru) Ochieng’ Odongo – Almi Group (Nairobi City) Nelson Mugendi – Kouponmart (Nakuru) Emily Mbui – Emms La Primo Enterprise (Kajiado) Awuor Sandra – Hawi Unifit Enterprise (Nakuru) Vincent Osere – Trace Africa Smart Ltd (Nairobi City) James Gathura Wambugu James – Farming (Nyeri) Michael Francis Mwimali – Biofranca Trans Technology Limited (Nairobi City) Mary Nafula – Shamba Nexus Limited (Nyamira) Hillary Awidhi – Confide Limited (Homa Bay) Robert Gacheru – Kiheo Creative (Kiambu) Roseline Ngala – Masika Business Enterprise (Kilifi) Benard Wafula – Pag Centre Of Education (Nairobi City) Edna Kaguongo – Flaming Sword General Supplies (Nyeri) Lilian Machuma – Benacare Medical Centre (Embu) James Kariuki – Taxflight Consultancy (Kiambu) Shadrack Matata – Digital Comrade Kenya (Uasin Gishu) Rhyl Kiio – Agrilla Enterprises (Machakos) Elphas Amanga – Histuinnovation Kenya (Kiambu) Meshack Nyongesa – Open Mic Studio (Trans Nzoia) Faith Okong’o – Desiccated Sweetness (Nyamira) John Mkamba – King Fahad Centre (Mombasa) Seline Kuti – Skip Celynne Occasions (Mombasa) Gabriel Kimeu – Zayin Aqua (Machakos) Raphael Asiba – Solakilimo Solutions Ltd (Siaya) Joyline Cheptoo Joyline – Cheptoo Mushroom Farm (Bomet) Victor Nyamawi – Dream Doers Investments (Kilifi) Anthony Murigu – Ukulima Tv (Nairobi City) Erick Olang – Ecosantech Waste Management (Migori) Kevine Otieno – Gotverk Enterprises (Siaya) Titus Mbithi – Stone Bridge Company (Nakuru) Edward Omondi – Bodabora (Nairobi City) Nancy Akoth – Dawn Of Obunga Waste Collection & Management (Kisumu) Vincent Omondi – CF Delivery (Uasin Gishu) Pramila Mwibanda – Urban Smart Gardeners (Kiambu) Antony Kimani – Brytons Tchnologies (Nairobi City) Irene Kigathi – Tuleane Afrika Initiative (Kiambu) Martin Irungu – Damo Dairy (Nairobi City) Harriet Sanja – Halisi Naturals Brands (Nairobi City) Dickson Mwabaya – Kilifi Gold Agripreneur (Kilifi) Demitila Nabwire – Garments Of Love (Nairobi City) Sammy Wachieni – Zaomax Solutions (Meru) Daniel Kimani – Ohospital (Kiambu) Stephen Owino Ogola Stephen – Mosho (Nairobi City) Denis Ogola – Fahtannah Foods Ltd (Homa Bay) Peter Otieno – Sican Focus Group Nursery (Homa Bay) Brian Onyango Brian – Usafi Green Energy Limited (Turkana) Endoveria Humphress – Endnep Innovations Limited (Nairobi City) Congratulations once more to the selected 50 startups.

In a bid to increase impact in the coastal region, Hazina Development Trust Limited makes an entry to a new market in Kwale County making it the 3rd county in the Coastal region to operate in after Kilifi and Mombasa Counties. Kwale County is located in the South Coast of Kenya, it borders the Republic of Tanzania to the South West and the following Counties; Taita Taveta to the West, Kilifi to the North, and Mombasa to the North East. Even though Ukunda is considered the largest town in the County; Hazina Development Trust Limited has set up office at Msambweni where majority of the poor resides and is inline with the goals of the organization. The Msambweni Office also serves other constituencies like Kinango and Matuga. The majority of the population in Msambweni are muslims and have long been kept out of financial system as there was no institution which could serve them as per their Islamic faith. On opening the office, Hazina received overwhelming support from the locals who have provided the below testimonial to the management of the branch office. Just wanted to say that we have long been looking at financial institution where we would be able to access credit facilities which are in line with our Islamic faith and now we are happy that Hazina has come to our place and its able to serve us well. We the Kwale people are so grateful for hearing our call and we shall do many more things together. Asanteni Sana! Hazina is now planning to venture the remaining 3 counties in the Coastal region so as to achieve its objective of serving the whole Coastal region.

  Hazina Advisory which is a cornerstone of capacity building efforts of hazina group is currently at Rift Valley Institute of Business Studies in Nakuru equipping trainees with the skills to scale their ventures, master pitching, and build powerful networks.This training will run from.17th February till 28th February 2025.#BusinessAcceleration #Entrepreneurship #HazinaAdvisory #Hazinacares

Recap of Day 2 Empowering Training Sessions: Today’s training was an absolute powerhouse, packed with insightful discussions, practical exercises, and strategies designed to elevate our professional journeys. From honing our networking skills to mastering marketing techniques, the sessions were dynamic and enriching. Here’s a quick recap of the key highlights! Mastering the Art of Networking The morning session kicked off with a deep dive into networking—one of the most essential tools for professional growth. We explored different types of professional networks, understanding their roles in advancing careers and fostering long-term business relationships. A key takeaway from this discussion was the importance of choosing the right connections. It’s not about the number of people you know; it’s about the quality of those relationships and how you nurture them. We also delved into interpersonal skills and their role in effective networking. Good communication, active listening, and empathy were just a few of the key skills discussed that can help create lasting connections and leave a positive, lasting impression. In today’s professional world, your interpersonal abilities can truly set you apart from the crowd. Strategic Marketing Insights In the afternoon, the focus shifted to marketing strategies—one of the most vital skills in any industry. The session was an eye-opener, as we explored both traditional and digital marketing techniques that help brands build awareness and drive business growth. Attendees learned how to identify their target audience and use the right tools to engage them effectively. One of the standout moments was a breakdown of current trends in digital marketing, including content marketing, social media strategies, and SEO techniques that are shaping today’s market landscape. The session emphasized that in today’s fast-paced environment, a strong marketing strategy is crucial for staying competitive. Key Takeaways – Networking isn’t just about quantity; it’s about quality.Focus on building meaningful, long-lasting connections, and don’t forget to nurture them.– Interpersonal skills are essential.The ability to communicate effectively, listen actively, and build rapport is at the core of successful networking.– Marketing is more than a buzzword. Understanding your audience and applying the right strategies is key to creating lasting impact. Conclusion Today’s training sessions provided valuable insights and practical tools that we can all apply in our professional lives. Whether it’s refining our networking approach or gaining a deeper understanding of marketing trends, we’re all better equipped to face the challenges ahead. This is just the beginning of a journey toward growth, and we’re excited to continue learning and applying these lessons! Stay tuned for more updates as we continue our training sessions—there’s so much more to come! #NetworkingAndMarketing#hazinacares#hazinaadvisory

The third day of training at the Rift Valley Institute of Business Studies was an eye-opener for participants as they delved into the world of Digital Content & Monetization. The session focused on empowering attendees with the knowledge and strategies needed to turn their creative ideas into profitable ventures. The training emphasized a crucial truth in the digital era: “Content is king, but monetization is the queen.” This statement set the tone for discussions, as participants explored various ways to create valuable content and generate sustainable income from it. Understanding the Power of Digital Content The session began with an insightful discussion on the importance of content creation in today’s digital economy. Participants learned that in a world where billions of people consume online content daily, standing out requires a combination of creativity, strategy, and consistency. The key is not just producing content but offering value that attracts and retains an audience. The facilitator highlighted the significance of identifying one’s niche, understanding the target audience, and leveraging storytelling techniques to make content engaging and impactful. Whether through blogs, videos, podcasts, or social media, participants were encouraged to develop a strong personal or business brand that resonates with their audience. Exploring Monetization Strategies A major focus of the session was understanding different monetization models. Participants explored practical ways to earn from digital content, including: * Ad revenue – Leveraging platforms like YouTube and websites to earn from advertisements. * Affiliate marketing – Partnering with brands to earn commissions from promoted products. * Sponsored content – Collaborating with companies to create paid promotional material. * Product and service sales – Using content as a tool to market and sell personal or business products. * Subscription models – Building exclusive content that followers can pay to access. By the end of this segment, participants gained a deeper understanding of how digital content can be transformed into a steady source of income. Key Takeaways from the Session * Quality and consistency matter – Regularly creating high-quality content helps in building credibility and attracting a loyal audience. * Know your value – Understanding what sets your content apart is key to effectively monetizing it. * Engagement is essential – Connecting with audiences builds trust, which is crucial for long-term success. * Diversification is important – Relying on multiple income streams ensures financial stability in the digital space. Moving Forward The session was an inspiration to many, reinforcing the idea that anyone can succeed in the digital world with the right approach. The training emphasized that success in digital content creation is not just about going viral but about adding value, staying consistent, and continuously learning and improving. As the training continues, participants look forward to implementing the knowledge gained and taking their content creation efforts to the next level. The world is waiting for fresh ideas—now is the time to make them happen! #hazinacares#hazinaadvisory#hazinagroup

The Future of Work: Thriving in Freelancing and Remote Jobs The way we work is evolving, and traditional office jobs are no longer the only path to success. As more people embrace the digital economy, freelancing and remote work have become powerful alternatives that offer flexibility, financial independence, and global opportunities. Day 4 of the Rift Valley Institute of Business Studies training focused on helping individuals understand the world of freelancing, covering essential skills, success tips, red flags to watch out for, payment methods, and different ways to earn online. Understanding Freelancing and Remote Work Freelancing involves offering services independently rather than being tied to a single employer. Remote work, on the other hand, allows employees or contractors to work from anywhere in the world. With advancements in technology and internet accessibility, working online has never been easier.For students, professionals seeking extra income, or individuals looking for a full-time online career, freelancing presents an exciting opportunity to work on their terms. Key Success Tips for Online Work Succeeding in freelancing and remote jobs requires more than just having skills. Here are some key strategies that can help build a sustainable career in the online space:* Develop a Marketable Skill – Specializing in high-demand skills such as graphic design, writing, programming, digital marketing, and virtual assistance can give you an edge.* Create a Strong Portfolio – Showcasing previous work builds credibility and helps attract potential clients.* Build an Online Presence – Platforms like LinkedIn, Upwork, Fiverr, and personal websites can help freelancers get noticed.* Time Management & Discipline – Remote work requires self-discipline and the ability to meet deadlines without direct supervision.* Networking & Continuous Learning – Engaging with other freelancers and constantly upgrading skills ensures long-term success. Identifying Red Flags as a Gig Worker While freelancing offers numerous opportunities, it also comes with challenges. Here are some red flags to watch out for:* Unclear Job Descriptions – If a client cannot clearly explain what they want, it could lead to unrealistic expectations and payment issues.* Requests for Free Work – Some clients may ask for unpaid samples or “test projects” that could be a way of exploiting freelancers.* Poor Communication & Delayed Responses – Clients who take too long to reply or avoid clear communication could be difficult to work with.* Unrealistic Payment Promises – If an offer sounds too good to be true, it probably is. Always verify legitimacy before accepting a gig.* No Written Contract – Without a proper agreement, freelancers risk not getting paid for their work. *Payment Methods & Compensation Models*Getting paid safely and on time is crucial for freelancers. Here are some common payment methods:* PayPal & Wise (formerly TransferWise) – These are widely used for international transactions.* Direct Bank Transfers – Often used for local payments.* Cryptocurrency Payments – Some freelancers accept payments in Bitcoin or other digital currencies.* Escrow Services – Platforms like Upwork and Fiverr hold payments in escrow until the work is completed satisfactorily.Common compensation models include:* Hourly Pay – Charging per hour worked.* Fixed-Price Projects – A set amount agreed upon before starting the job.* Retainer Agreements – Ongoing work paid at a fixed rate per month.* Revenue Sharing – Earning a percentage of profits from a project. Affiliate Marketing: A Passive Income Stream Affiliate marketing is another way freelancers can earn money online. It involves promoting products or services and earning a commission for every sale made through a unique referral link. This is a great way to build passive income while focusing on other freelance projects. The Digital Economy is Here – Are You Ready? The shift towards freelancing and remote work is undeniable. The ability to work from anywhere, set your rates, and choose projects that align with your passion makes it an attractive option for many. However, success requires strategic planning, continuous learning, and the ability to navigate challenges.For those ready to embrace this new way of working, opportunities are endless. The key is to stay informed, be adaptable, and take action. The future of work is digital, and those who prepare today will thrive tomorrow!

The Future of Work: A New Era of Possibilities The traditional office landscape is shifting, making way for a new reality—one where work knows no boundaries. As the digital economy expands, freelancing and remote work have quietly transformed into powerful alternatives that offer more than just a paycheck. But what does it take to thrive in this evolving space? What challenges lurk beneath the surface? These are the questions we explored during Day 4 of the Rift Valley Institute of Business Studies training, diving into the hidden opportunities, subtle risks, and unspoken rules of succeeding online. The Hidden World of Freelancing and Remote Work Freelancing is more than just working independently—it’s about mastering the art of self-reliance in an unpredictable market. Remote work allows you to step outside the traditional office, but what lies beyond the comfort of routine employment? As technology bridges distances and barriers dissolve, the potential for success grows—but so do the uncertainties.For those daring enough to step into this world, the rewards can be immense, but only for those who know how to navigate the uncharted waters. The Unwritten Rules of Success Surviving in freelancing and remote work isn’t just about having skills—it’s about knowing the right moves. Here are some essential yet often overlooked strategies:* Master a High-Value Skill – The digital world favors those who offer something unique. Not all skills are equal.* Curate an Irresistible Portfolio – Your work speaks louder than words. But what if you don’t have experience yet?* Establish an Invisible Presence – Platforms like LinkedIn, Upwork, and Fiverr are gateways—but the real power lies elsewhere.* Control Your Time, Control Your Fate – The freedom of remote work is an illusion for those who lack discipline.* The Secret to Longevity? Keep Evolving – Trends shift overnight; those who fail to adapt disappear. The Dark Side: What They Don’t Tell You Every freelancer has heard the success stories, but few speak of the hidden dangers. Be on guard against:* Ambiguous Offers – If a job description leaves you with more questions than answers, trust your instincts.* The Trap of “Experience” – Free work under the guise of “building your portfolio” is often a dead-end.* Silent Clients, Unanswered Emails – If communication starts breaking down, reconsider the deal.* Too Good to Be True? It Probably Is – Exaggerated pay promises often lead to disappointment.* No Contract, No Security – The handshake deals of the digital age are traps waiting to be sprung. *The Secrets of Getting Paid*The path to financial security in freelancing is not straightforward. Some of the most commonly used methods include:* The Safe Havens – PayPal, Wise, and direct bank transfers offer security, but they’re not foolproof.* Crypto’s Rise – Some are turning to Bitcoin and other digital currencies for anonymity and control.* The Shield of Escrow – Trusted platforms hold payments hostage—sometimes for better, sometimes for worse.Meanwhile, payment structures vary:* Hourly Rates? A Double-Edged Sword.* Fixed-Price Projects? Stability or stagnation?* Retainer Agreements? The long game.* Revenue Sharing? A gamble few win. A Hidden Avenue: Affiliate Marketing Beyond freelancing, there’s another door—one that few truly understand. Affiliate marketing whispers promises of passive income, but unlocking its potential requires a different kind of strategy. Some see it as an easy shortcut; others know it’s a long, calculated game. The Future Is Unwritten We are at the crossroads of a major transformation. The digital economy is not just a trend; it is a shift in power, opportunity, and the very definition of work itself. The choice is yours—embrace the unknown, learn the rules, and carve out your space in this evolving landscape. Just remember: those who prepare will thrive. Those who hesitate will be left behind. Empower Yourself with the Right Training Success in the digital economy starts with the right foundation. Hazina Advisory Services Limited offers specialized training designed to equip micro enterprises and professionals with the skills they need to thrive. We deliver expert guidance at a minimal fee, ensuring access to valuable knowledge without financial strain.Some of the training we offer includes:* Entrepreneurship Training – Learn the art of starting and growing a sustainable business.* Financial Literacy Training – Master essential financial principles to secure your future.* Money Management Training – Develop smart strategies for personal and business finances.* Career Guidance & Interview Skills – Position yourself for success in the job market. We don’t just teach—we empower. Want to learn more? Take the first step toward a brighter future by reaching out to us at hazinagroup.co.ke or hazinaadavisory.co.ke. The opportunity is here—are you ready to seize it?

Day 6 of the Rift Valley Institute of Business Studies training was a significant milestone, emphasizing the practical application of business research and strategic planning. Participants engaged in market research presentations, followed by an in-depth session on Go-To-Market strategies to bridge the gap between theory and execution. Market Research Presentations: Showcasing Business Insights The day commenced with participants presenting their market research assignments, an exercise designed to deepen their understanding of industry trends, customer behavior, and competitive landscapes. Each group delivered well-researched insights, highlighting potential opportunities and challenges in their respective business fields. Their ability to analyze data and derive meaningful conclusions showcased a strong grasp of research methodologies, a crucial skill in today’s dynamic business environment. The presentations were met with insightful feedback from facilitators, who encouraged participants to refine their analytical approaches and use data-driven decision-making for their entrepreneurial journeys. This session emphasized the importance of research in minimizing risks and making informed business choices. Go-To-Market Strategy: Turning Ideas into Reality Following the presentations, the focus shifted to Go-To-Market (GTM) strategies, a crucial step in launching a business successfully. Facilitators guided participants through the process of identifying target audiences, crafting value propositions, and selecting appropriate marketing channels. By the end of the session, participants had a clearer vision of how to apply their market research findings to develop scalable and sustainable business strategies. Building the Future: Strategic Thinking for Business Growth Day 6 of the training reinforced the essence of strategic planning in business success. The combination of market research and Go-To market strategy sessions provided participants with a holistic approach to business development, equipping them with the necessary tools to navigate the competitive business world. As Sun Tzu famously stated, “Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.” This quote perfectly encapsulated the essence of the day’s training—balancing research with actionable strategies for sustainable growth. The Rift Valley Institute of Business Studies continues to empower future entrepreneurs, ensuring that each participant leaves with a wealth of knowledge, skills, and confidence to succeed in their business ventures. With the momentum from Day 6, the journey towards business excellence and innovation continues!

On Day 7 of the program at Rift Valley Institute of Business Studies, students were introduced to the essential topics of accounting, record keeping, and taxation. These foundational areas are critical for anyone looking to establish a solid financial base for their business or career. Understanding accounting principles allows individuals to track and manage income, expenses, and profits accurately. Effective record-keeping ensures that every transaction is documented and organized, which is crucial for making informed business decisions. Moreover, knowledge of taxation laws and regulations is vital for ensuring compliance and avoiding costly penalties. As Warren Buffet wisely said, “The best investment you can make is in yourself.” By learning these financial fundamentals, students are investing in their own success. Whether you are an aspiring entrepreneur or a professional seeking to sharpen your skills, mastering these concepts empowers you to build a stable and prosperous future. At Rift Valley Institute of Business Studies, students are not just learning theory—they are acquiring practical knowledge that will help them navigate the complex world of business finance with confidence. With the guidance of Hazina Advisory Services, participants are being taken through a comprehensive training, ensuring they are well-equipped to manage their financial futures. By investing in financial literacy today, they are positioning themselves for growth, success, and lasting impact in their professional journeys.