Erika Atienza: From solo backpacking through Africa to becoming a Digital Entrepreneur
This is not a success story of a freelance solo backpacker who became a digital entrepreneur. Not a story of someone who went from nobody to become somebody. This is a story of someone who used to live life passively, without a purpose other than to make it through the day okay, until finally realizing a dream, then realizing she can fulfill that dream, and eventually going after it. This is a story of how I finally came to understand a lesson I’ve heard many times over – That there is nothing in this world we cannot accomplish if we really put our heart’s desire into it. And it all started in Africa. [bctt tweet=”Erika shares how she became a digital entrepreneur and founded @whileinafrica by moving from the Philippines to backpack and volunteer through Africa. Read more…” username=”SheLeadsAfrica”] First, the Travel Bug… I had a typical life with an 8-5 job and everything about my life was “okay”. It’s not bad at all. I was fortunate but I was definitely not living life on the edge. But after being able to travel to a foreign country alone for the first time, I had an epiphany that I wanted to see the world. Since that trip, it was just never the same for me. That night, I finally understood what passion meant. And mine was to see the world. And so after 2 yrs of over-planning and some modest savings that were definitely not enough, off I went. I left despite the doubts because if I waited for the “right time”, I was afraid it wouldn’t come. Why Africa?… I was choosing between South America and Africa and somewhere along my research, I found cheaper flights to Tanzania. And that was really the main reason why Africa ended up becoming my first solo backpacking destination. Also, I thought it was exotic and I wanted to prove to myself that I can pull it off. Indeed, I was able to visit other African countries as well for the next few months. Budget Problem. No Problem… A few months before my flight, I looked for volunteering opportunities and ways to travel cheaply. I searched workaway for hosts but there’s really nothing in there that I found interesting. Couch surfing community in the cities I wanted to visit seemed dodgy and everywhere else, there was only voluntourism. A little deeper into my research and I had an “AHA” moment. I learned that safari tourism is big in Tanzania. In fact, all over East and Southern Africa. I did marketing in my previous job so I’m familiar with the whole concept of “Ex-Deal”. Hence, I emailed every one of them in a personalized manner, introduced myself like a pro, and offered to help in their marketing in exchange for food and accommodation. A few days later, I received another milestone in my backpacking career, someone actually replied and took me in. And so, with my heart full, I went to Tanzania and for the next few weeks, I was staying at their office helping them out with marketing while combining it with tours here and there. It was the perfect way to get to know the culture and experience the local life, just my kind of travel! I worked with Gosheni Safaris in Tanzania and experienced the local life From Freelancer to a business owner… After I left, my “boss” kept emailing and texting me about the things I have started while working for him. I carried on to politely help them and after some time of consistent demands, I had another “AHA” moment. I presented the best opportunity they can ever imagine… that I work for them remotely. They were thrilled with the idea and we came up with a fair price that later on increased to a modest amount that funded most of my travels. This idea fired me up and I basically traveled for the next 2 months in Africa, either looking for volunteering opportunities or trading off my skills. I continued to travel for a couple of years more doing the same thing until I finally decided to slow down a bit. As I had a lot of free time now that I wasn’t all over everywhere, I decided to take it up a notch and find a few more clients by emailing them and advertising myself. Eventually, in 2018, I took another major step and built my own website, made everything official, and registered my humble digital marketing service. It’s worth mentioning that until this time, the same company in Africa where I first volunteered is still a client and they have passed on a lot of referrals to me ever since. Looking back, I think the thing that made all the difference is that I always did my best while serving my volunteering time. Even though I was not getting paid, even though I know I wasn’t going to work-volunteer for that company for long, I gave it my best shot and I always try to have fun. And it paid off in better ways I can imagine. So always, always do your best. This is how you make impressions and build connections. A lot of opportunities can open by simply putting your best foot forward at all times. Here are some lessons you can learn from my experience… 1. There’s no one right way to do things You don’t need to have a big capital to start your own business. Especially in this day and age, even a kid can become an entrepreneur, all you need is creativity and courage. In my case, the right dose of luck and creativity allowed me to build a modest lifestyle of being able to work from anywhere in the world and where I was able to combine my skills and passion. But there is no one way right way to do things. The first things to ask yourself are: What am I passionate about? What am I good
Cashless Banking in Africa: How we’re creating payment solutions with technology and innovation
African economies are well positioned to benefit from rapidly accelerating technological change if they can harness the current open landscape for innovation. East Africa is already a global leader in mobile payments, while mobile money accounts in sub-Saharan Africa are on an upward charge. Apart from being able to leapfrog the limitations and costs of physical infrastructure, the continent stands to benefit from having the youngest, tech-savvy workforce in the world in the next decade. Africa’s working age population is expected to grow by 450 million people by 2035. According to the World Bank and the continent is projected to have the largest working population of 1.1 billion by 2034, notes the World Economic Forum on Africa. Recent GSMA data shows that mobile money accounts in sub-Saharan Africa are up 18.4% between 2016-17 to 33.8m registered accounts. [bctt tweet=”Banking in a cashless society will require African solutions for African problems – @nnamdi_oranye” username=”SheLeadsAfrica”] However, we cannot wait 12-15 years before adequate job creating initiatives and policies are unlocked. The answer lies in harnessing the power of the digital economy today to create African solutions for African problems. An important part of this will require promoting and partnering with African innovators to unlock sustainable growth. We are already witnessing the significant potential of digital innovation in the remittance and mobile wallet space. Penetration of smartphones is expected to hit at least the 50% mark in 2020 from only 2% in 2010, according to the World Economic Forum, offering the continent a clean canvas for tech-based innovation. It is an opportunity we must not miss. These are exciting times and are forcing us to think differently to come up with true Pan African innovation and development. MFS Africa is a good example of how carefully harnessed and supported technological innovation can have ripple effects through the continent. It now operates the largest digital payments network in Africa and connects over 170m mobile wallets through 100+ partners, including Airtel, Ecobank, MTN, Orange and Vodafone across 55 markets. It has about 15% of the African population connected to a platform. M-Pesa, launched in Kenya in 2007, is an often-touted example of African technology making waves even outside its own borders. After capturing the local market for cash transfers it has spread to three continents and 10 countries. MicroEnsure, meanwhile continues on the path of developing pioneering insurance solutions for low-income people like micro-health, crop, and mobile insurance. These are solutions directly aimed at emerging customers and it is little surprise the company continues new customers by cleverly partnering with telcos. Access.mobile is another major success story, testing and growing its health innovation offerings for seven years in East Africa. The company works with health systems to hone their communications with patients in lower-income but also in growing areas and it hopped the pond in the opposite direction from most smaller startups and landed one of its first American clients. [bctt tweet=”Standard Bank, as Africa’s largest bank by assets, hopes to support even more start-up and tech initiatives across the continent” username=”SheLeadsAfrica”] Adventist Health White Memorial Hospital, a Los Angeles facility that works largely with lower-income Hispanics, was looking for ways to use health data to achieve better outcomes within its population. These are examples of the role models that will inspire our next generation of innovators. We need more and tech-savvy banks to need to continue supporting them as they grasp future opportunities. Just consider that Findex data shows that sub-Saharan Africa is home to all eight economies where 20 percent or more of adults use only a mobile money account: Burkina Faso, Côte d’Ivoire, Gabon, Kenya, Senegal, Tanzania, Uganda, and Zimbabwe. Opportunities, therefore, abound to increase account ownership up to 95 million unbanked adults in the region receive cash payments for agricultural products, and roughly 65 million save using semiformal methods. Standard Bank, as Africa’s largest bank by assets, hopes to support even more start-up and tech initiatives across the continent to ensure these opportunities are not lost. [bctt tweet=”We are setting a new standard in digital payments with the launch of Africa’s first prepaid virtual cards ecosystem, among many other digital innovations – @nnamdi_oranye” username=”SheLeadsAfrica”] We are therefore innovating ourselves at a rapid pace to harness the benefits of the digital age to drive financial services inclusion. Mobile payment solutions like Snapscan is now available at over 25,000 merchants and a vast user network across South Africa. We are setting a new standard in digital payments with the launch of Africa’s first prepaid virtual cards ecosystem, among many other digital innovations. The future will be about solving genuine customer problems rather than putting a band aid on them. One area in urgent need of change, for instance, is remittances, where Africa is still one of the costliest places in the world to remit payments – fees as high as 10% to 20% are still endured. We need to harness technology to genuinely solve this problem. Sometimes when we talk about banking in cashless society we look too far out – but we don’t have the luxury of time. Knowing your customer (KYC) is about understanding what they need today based on their culture and context and then unlocking the already available data to provide the solution. Technology, for instance, can solve the unbanked problem on the continent. However, this does not mean you can “plug and play” by taking something that works in one country and expecting it to work in another. Success will increasingly be centered on having a Pan African view of the problem, but local implementation. The future is certainly bright for Africa as exponential innovation continues to drive change across the continent we call home, disrupts industries and replace legacy technology. It is now time to grasp this opportunity with both hands before the innovation wave passes us by. Article By Nnamdi Oranye, Fintech Author and International Remittances Lead at Standard Bank Group. October 2018 Sponsored Post.
Eva Warigia: Be mindful of your network, it is the base of your success
Eva Warigia is a jack of many trades with a passion for Africans and their economic advancement. As one half of the executive directing team of the East Africa Venture Capitalists Association, representing over sixty firms, she uses her knowledge of finance and strategy to position East Africa as a thriving investment hub. In this interview, she talks about her leadership position, and how she’s working with stakeholders to promote investment in East Africa. At what point in your life did you first learn about your field of work and what drew you to it? I probably came across private equity in 2011. At the time I worked for a technology and corporate advisory firm as a strategy analyst focusing on helping businesses fundraise. It was there that I got to interact with the different structures of funding. [bctt tweet=”My docket as one half of the leadership of EAVCA is in leading the advocacy and intelligence – @eva_hawa” username=”SheLeadsAfrica”] You are one of the two executive directors of the East African Venture Capitalists Association (EAVCA) what exactly do you do? EAVCA is a member association for private equity and venture capital firms who are interested in deploying capital in East Africa. As a trade organization, we represent the interests of member firms deploying private capital in the region, which constitutes Ethiopia, Uganda, Rwanda, Kenya, and Tanzania. We are the interface between the region’s stakeholders, the general public and the investors. Our activities largely involve advocacy for the private capital sector, research, and intelligence for investors considering the region for investment. Being the foremost networking platform for East Africa to advance thought leadership in the PE and VC space, and finally, conducting training for the sector. We also nurture the local professionals, as well as building awareness with the sector stakeholders. My docket as one half of the leadership of EAVCA is in leading the advocacy and intelligence. This entails working with the sector stakeholders to create partnerships that promote investment inflows in East Africa.Internationally, less than 10% of venture capital funds go to female entrepreneurs. Is this situation just as bleak in East Africa? This is also the case in East Africa. There was a time when female-led enterprises were not as visible as they are now, especially on the funding front. Emerging trends for conscious investment (particularly gender lens investing) mean that the tide is slowly turning to acknowledge that female-led enterprises are equally lucrative. Furthermore, women are more deliberate in their business planning and less likely to take investment capital for personal use. What does EAVCA do to ensure that besides women-owned businesses there is diversity in general in businesses being considered for funding? From 2018, EAVCA became more deliberate in local engagement by working with trade associations, incubators and accelerators to grow local awareness of PE and VC as alternative sources of capital. We are also ensuring we carry out industry-specific research showcasing opportunities that exist in East Africa. One such research was on the opportunities available for fin-tech investing in East Africa, which we launched in March this year. This allows investors deeper access to sectors that have probably been on their radar but whose information may be hard to come by. [bctt tweet=”I think it is important for technical entrepreneurs to find partners who will help them with the business side of their enterprise or product – @eva_hawa” username=”SheLeadsAfrica”] What are some of the mistakes you have seen female entrepreneurs make while interacting with venture capitalists, and what can they do to better pitch their businesses to investors? While I would not categorize this as a mistake, I think it is important for technical entrepreneurs to find partners who will help them with the business side of their enterprise or product. Far too many entrepreneurs are struggling to raise capital by themselves without the tools or skills to approach this. Thankfully, there are programmes and incubators that equip entrepreneurs with the skills needed to begin thinking of their vision as a commercial venture. There is quite an array of accelerators available for African entrepreneurs such as MEST Africa which is available in Ghana, Nigeria, South Africa, Kenya, and Cote d’ Ivoire or Growth Africa for East Africans. There are also institution backed programmes like the Trade and Investment Hub (the Hub) by USAID, which is available in East, West and South Africa, or the Stanford Seed Transformation Programme in Ghana and Kenya. Finally, we have philanthropy backed incubators also committing to support the initiative by Africa’s entrepreneurs such as the Tony Elumelu Foundation or Africa Netpreneur Prize by the Jack Ma Foundation. EAVCA has been led by women from its inception. Can we interpret that to mean Africa doesn’t share the same discouraging international statistics when it comes to women’s leadership in VC firms? As an association, we are privileged to have women as the champions of the industry in East Africa. For the VC and PE funds, the bulk of fund managers are still led by men although we have a growing number of women taking up that space. I believe it is important for women to support each other in male-dominated industries such as ours and share their journeys so that we can all learn from each other. How has working at EAVCA changed your perception of Africa’s potential to be an economic and innovation hub in the future? I have always been an Afro-optimist and firmly believe in Africa’s value and ability to influence the future! Working with EAVCA has furthered my confidence in our potential as a continent. I interact each day with people who are as passionate about Africa as I am and who are effecting positive change within their different spheres. I am able to see how it is all shaping out from my bird’s eye view at the Association and it just fuels me to want to do more! What is the favorite part of your job? Every day, I meet people that are clear about
Jane Karuku: A lot of change is happening in Kenyan Boardrooms
When we talk about Motherland Moguls and #BossGoals, Mrs Jane Karuku is the perfect definition of just that. Currently sitting at the top of the corporate ladder as the Managing Director of Kenya Breweries Limited (KBL), Non-executive director of East African Breweries Limited (EABL) and Barclays Bank Kenya, and a member of prestigious boards such as the Global Sustainability Index board among others. Mrs Jane Karuku has over 20 years of expert experience in the consumer-goods industry and is not looking to slow down anytime soon. Her passion and energy for great leadership tells an enticing story of grit, consistency and sheer hard work. SLA contributor Diana Odero had a quick sit-down with Mrs Karuku to learn about her current role now and what keeps her going in the cut throat business world. As an African woman with over two decades in corporate leadership, what does leadership mean to you? Leadership is getting people to do what’s good for an organization and more importantly what’s good for them. Leadership is unleashing the potential of people. Therefore you need to have great influencing skills for moving anything or anyone from point A to point B. What is the biggest misconception people have about your job? I don’t think there’s much of a misconception. For me, I have never seen myself as just a woman, I just see myself as a leader. Once you see yourself as a leader, you get what you give. Within my job, my career, I consider myself a leader – I see myself as a woman in different places outside the professional aspect. I always tell my fellow women – don’t look for favors because you are a woman and expect diversity to help you. Just turn up and do your job as a human being and you have a better chance to succeed. [bctt tweet=”Jane Karuku from @Diageo_News talks about leadership, her experience in the business world, and manufacturing in #EastAfrica” username=”SheLeadsAfrica”] Following the production of fake alcoholic products in the Kenyan market, how do you ensure that these illegitimate products do not get into the market especially working with a brand as big as EABL? We try to work with government agencies, there’s no knowledge management because people don’t know. Also, we work very closely with Kenya Revenue Authority (KRA), Kenya Bureau of Standards (KEBS) and with enforcement agencies just to educate them about our products and the systems we’ve put in place to make sure that these are legitimate products. We also work with IT solutions, which are mobile based so you can check every brand online and see its legitimacy. Our borders are very porous but in Kenya we have different classes. You can have a class of genuine products that come in with no duty paid, and that’s the bigger problem with our brands more than the fakes because we have very serious security features. With lots of surveillance placed around, we can spot something that’s fake and sort it out before it gets to consumers. The only challenge we’ve had so far is the imported products which belong to Diageo and are under-called in duty value therefore underpriced and not able to compete in the market and this in turn loses revenue so it’s quite a big challenge. [bctt tweet=”I always tell my fellow women – don’t look for favors because you are a woman and expect diversity to help you – Jane Karuku ” username=”SheLeadsAfrica”] What do you think are Kenyan’s attitudes towards alcohol and alcohol production? How can we make these attitudes more positive? Kenya is quite interesting in that we have a big population of religious people, both Muslim and Christians so there’s a lot of people who do not take alcohol based on their beliefs. There’s also a big proportion of women who just do not want to drink. I would say that Kenyans are not the biggest consumers of alcohol per capita, we are actually behind other East African countries such Tanzania, Rwanda, Uganda and Burundi. But in terms of responsible drinking, we do a lot of work on that. One challenge we have is the presence of so much bad alcohol all over the place, therefore people consume or overuse alcohol which demonizes it. We spend a lot of time on alcohol education, we call it drink IQ – how you should behave and drink responsibly, we press in our campaigns the importance of eating and then drinking, drinking a lot of water after indulging in some alcohol and drinking alcohol within the recommended portions. We don’t advocate for binge drinking but we do advocate for responsible drinking. What are some of your favorite products that you manufacture/market and why? Tusker Cider would be on the top of my list, I think it’s a very good drink and in the spirits section – the Ron Zacapa Rum, it’s a very gentle nice rum. What trends do you see within the East African region that you find interesting? Some new trends would be the places that people drink at first of all. There’s a lot of innovation around bars, a lot of work is going into how bars look – we are starting to get very sophisticated for consumers. Food and alcohol pairing is becoming a very big deal, it’s an enjoyable and social experience. This is mostly throughout Kenya, wherever you go you can find a nice location where you have a good meal and a drink with ease. Another trend I have taken note of is the cocktail culture – it’s interesting to see the many new ways of taking alcohol. It’s exciting and different. This is already a big global phenomenon, East Africa is quickly catching up on that trend. There’s also a lot of innovation in alcohol production with a lot of new alcohol products coming in, we are becoming very globalized which is good progress. What do you think has been most difficult for you to deal with as a woman rising
Doreen Nyamaka: The Wedding Planner in Tanzania
Doreen Nyamaka has always had a passion for wedding dresses, decor, and planning, since her childhood. But she finally stepped into the business of wedding planning in 2015 when she was getting married and her husband had insisted they plan the wedding themselves without asking for contributions or help from family and friends. Doreen could not get a professional wedding planner to handle her wedding preparations, that was when she noticed there was a gap in the wedding industry. From there, Doreen quit her job, went to a wedding planning and management school and got a certificate in wedding planning in 2016. How did you get into wedding planning in Tanzania? Wedding planning is actually a new thing in Tanzania. Normally weddings are paid for by family and friends who help the couple with contributions and the whole planning process which is never professionally. As you’d expect, this leaves the couple super stressed and with no authority over their own wedding. I am determined to introduce it and make people save themselves the stress of planning a wedding, and reducing boring and repetitive weddings which do not represent their vision. How do you differentiate yourself from competitors? First, I take my job very seriously and treat every wedding as my own. I want to make it right for the things I could not do at my wedding. This is my passion, so I give it my all when I get a client. Apart from that, I am a professional, with an MBA and wedding planning, flowers and decor certificate. Most of my competitors go with passion and intention to make money. I have the passion, skills, and commitment to turn my client’s dreams into reality. What has been your challenges in this business so far? My biggest challenge so far is awareness. People do not know what wedding planning is, and how it can save them stress, time and money. It has been difficult to introduce the new culture and win clients over. Are there peculiarities to doing business in Tanzania compared to other countries? I guess so. In most countries, couples do not ask for contributions, the couple fund their own wedding with maybe a little help with close family members. I doubt that people go all the way to do a fundraising just to get money for their wedding. I think this only happens in Tanzania. What do you wish you knew before you started the wedding planning business? I wish I knew that this new culture of wedding planning will take a while to be acceptable and that the old culture of planning a wedding is deeply rooted and will take time to be uprooted. What is your best memory on the job? The last wedding I planned and coordinated in 2016. The father and daughter danced to Luther Vandross’s song “Dance with my father again”. That moment was so epic and emotional, I can still feel the goosebumps. Final words to other entrepreneurs… Before you jump into a business, make sure it connects to your core. Don’t go into it because of the money only, but because you love what you are doing from your heart. That way even if you face challenges and you can’t find a way, you’ll still hang in there, and step forward. Do you have a business idea that isn’t popular in your country? Let us know here.
10 East African songs that will get you hyped for your next big interview
No matter how many times you practice your introduction or write down the skills you’ll bring to the position, interviews can be the most stressful part of getting a new job. We all know the stakes are high for an interview – you can go from the bottom of the pile to the #1 candidate by presenting yourself well and telling a compelling a story. With so much riding on your success, you can’t go into the interview room full of jitters and unsure of yourself. The best way to make yourself stand out is to be confident and calm. Not sure how to do that? We’ve pulled together a list of 10 East African songs to help center yourself and find some inner peace before the big moment. 1. Habida – Superwoman As the title suggests, this song will get you into a ‘conquer the world’ mood. With its catchy beat and uplifting lyrics, it is just the kind of song you need to conquer an interview. 2. Octopizzo – Black star Straight from the chorus, it is clear that the song is telling the listener to believe in themselves. “Forever you will be, a shining star… You will always be, a black star…” Go forth black star and rock that interview. 3. Khaligraph Jones – Yego This song is about Julius Yego, the Kenyan javelin thrower who broke the African record twice and Kenya’s national record four times. Seeing as the song is based on a champion, it shouldn’t be hard to get into a winning spirit when listening to this song. 4. Juliani – Exponential potential The title says it all and so does the video. The video is set within the confines of a boardroom which seems appropriate given the lyrics of the song. This is just the song you need to get the energy to unleash your full potential. 5. STL – Dreamer Stella Mwangi (STL) uses this song to encourage all the dreamers to go out into the world and follow their dreams while recounting her own story. It will definitely get you in the mood to conquer your fears and ace the interview. 6. Wangechi feat Karun – Analogue dreamer Although on the surface, the song seems to be talking about following your dreams, the more profound message is about being courageous enough to be different and to be you in a world clogged with similarity. Just the dose of courage anyone needs before an interview. 7. Muthoni the Drummer Queen (MDQ) – Nai ni ya who? This song was written for the city of Nairobi and what it takes to make it. But the song’s universal message also applies to any other city in the world. At its core, the song emphasizes the importance of getting up and doing something to change your life. The track’s awesome beat will get you hyped in seconds. 8. Avril feat Rabbit King Kaka – Ninaweza ‘Ninaweza’ means ‘I can’ in English. The song stays away from metaphorical analogies and remains as simple as its title suggests. It is the only motivation you need to get hyped for your interview. The message is clear, ‘You can.’ 9. Vanessa Mdee – Hawajui With a colourful video, Mdee encourages her listeners to overcome any obstacles that come their way, including unfair judgement from people who have no idea who you are. 10. Jua Kali – Baba Yao The song begins with these words, “Hauezi niekea chini, me ni baba yao” “You can’t put me down, I am a champion” (English Translation). Side Note: The Direct translation of the phrase, ‘me ni baba yao’ is ‘I am their father’ which is a sheng colloquialism used to refer to oneself as the best or a champion among colleagues. Which of these are your favorites? Any ones we missed? What is your all time favorite song for getting pumped your big interviews?