August 17, 2014
Mitchel, a member of women go round from Mathare
Not everybody is a friend of banks and especially in the informal settlements where communities’ have circumvented established financial institution and devised ways of accessing credit facilities outside government controlled channels. Informal financial services vary from shopping of credit without paying an interest, shylock and merry-go-round initiatives.
It is common to meet a group of women meeting in homes or social places within Mathare to discuss ways of sharing collected money without think of banking. But what makes this kind of arrangement better than a variety of services offered by commercial banks? Eunice Wanjiku a member of unregistered women group believes that financial institution are not good for startup initiatives found in the Mathare like selling groceries, second hand clothes or starting chang’aa a local beer businesses. She quips “can you imagine a bank giving me Kshs.5,000 to start chang’aa business?, this is impossible. My previous engagement with a financial institution nearly made me develop ulcers. I will never take a loan from a bank again. They nearly sold my house”
There are many different types of businesses which are profitable according to the locals but unfortunately one cannot get easy credit to invest from established financial institutions. Fortunately, people have developed alternative strategies of attracting credit like forming merry-go-round and table banking initiatives. These groups are formed by likeminded and people who know each other very well. Here, loans are given out of trust with little intrusion from the lending group on the exact nature of your business. Mish, a young enterprenuer consulted fellow women and is in the process of getting Kshs.10,000 which she will refund with 5% interest over a period of six months. She was frustrated by commercial banks which asked so many questions and required her to save for at least three months before she could access the loan.
Requirements to access start-up business loans suitable for slums based businesses are minimal and this has contributed to mushrooming of shylock businesses within slums. In some places, community members own more than one or two expensive electronic item such as phones of TVs which they use for accessing loans from shylocks. Here the interest is quite high with the value of your item being determinant of how much you can access. The local shylocks are very strict and merciless. Failure to pay of time your valued good is sold to friends at a throw away price.
Our financial institutions have a long way to go in understanding how informal financial transaction operate and varied opportunities which needs to be tapped. In the informal settlements, most loans are on short term basis between 1 week to six months and default rates are quite low compared with commercial banks.
February 26, 2014
In the above age distribution chart for Mathare Constituency, I have tried to analyze age based of the total area population as per 2009 Census and percentages from the latest CIA website; https://www.cia.gov/library/publications/the-world-factbook/geos/ke.html while the total population. (Next implication of poor CDF investment to Mathare population)
February 19, 2014
Both places, Mathare and Kibera are a reflection of low income areas with overcrowding, lack of social amenities, high crime level, unemployment, teenage pregnancy cases, gender based violence and general lack of strong accountability and governance structures. Mathare a place of less than 3 Km sq has more than 200,000.
Mathare and Kibera share four things in common. First both had quarry at stage in life. Second they neighbour some of the most rich neighbourhoods. Kibera has Karen while Mathare is to Muthaiga. Another interesting observation is that the too have golf courses nearby. Mathare is next to Muthaiga Golf Club and Kibera has Royal Golf Club. Major road road construction are going, across Kibera we have while Mathare has Thika Highway.
Despite all these abundance nearby there is imbalance in the investment made by civil society. Kibera attracts high profile attention and funding than Mathare. The slum upgrading in Kibera is just one of the example how huge investments have been made. One might argue that most of the land in Kibera is government owned and that is why is easy to carry out housing projects.
Poverty level in Kibera is more glaring compared with Mathare. From housing condition and to terrain the place is terrible. In Mathare people also suffer too but they ‘hide’ it wth smile and welcoming charm. So many research have been conducted in Mathare but very little has been used to transform people’s life?-Simon
November 30, 2012
On 29th November 2012 political representatives and aspirants for the constituency and ward, NGOs / CBOs representatives, religious leaders, elders, youths, people with disability women representatives and provincial administration gathered at Mathare Valley Polytechnic to be addressed by the local IEBC representatives.
IEBC had their agenda while most people had questions, which they wanted addressed. IEBC wanted to sensitize public about voter registration in Mathare constituency, perception on the public on BVR kit, public, violence, role model and morality. When it came to questions, public were more concerned about accessing identity cards, extension of voter registration, transportation of voters into Mathare, voter education and the process which was used to recruit educators, what are the current numbers of registered voters and target for each ward? From the meeting it was clear that the public agenda and that of IEBC was different.
The IEBC official(s) present informed the public on the progress as from 19/11/2012 a follows but these figures were given as estimates (only for the 1st week of registration)
||1st wk registered voters
During the meeting, an aspirant brought a public address system to the meeting, which the public rejected. The IEBC officials should have rejected this move. By accepting ‘resources’ to facilitate an IEBC meeting from an aspirant amounts to being compromised.
The meeting was on a short notice. It was clear that supporters of certain politicians were more than others. IEBC needs to ensure that all aspirants are invited on time and their apologies acknowledged otherwise the public will view IEBC as collaborating with certain sections of the community. The public seems to be unclear on the new boundaries since it causing confusion among the potential voters. In Hospital ward for example, the Kenya Gazette had indicated that Gitathuru and Mathare 4B are still in Mabatini Ward. IEBC ward educators are expected to sensitize the public on the boundaries and other voter’s related issues. The Mathare area District Officer was very categorical that all residents have a duty to ensure that the elections are peaceful both at the party nomination and national elections. Public expect a credible election and IEBC officials should act in ways that will boost public confidence in the process.- Simon
November 23, 2012
Walking around most vote registration centers, one notices low voter turnout. There is urgent need for IEBC to undertake a vigorous voter registration mobilization campaign otherwise we might not meet the target. In all the six wards, there is very little activity going on compared with the interest generated during acquisition process of BVR kits. One would have expected people flock the centres.
In the community people are going around doing their own business and hoping that as usual the deadline will be extended to accommodate their time schedule. The aspirants are busy marketing themselves.- Simon
November 20, 2012
On 18th November 2012 there was a blast in Eastleigh near Juja road area bordering Mathare which has been attributed to terror action. Several people died but the aftermath of the incident later turned into urgly scenes where people of Somali origin were targeted by criminals. People were beaten, robbed and it is said that women were raped too. It is unbelieveable to that we are witnessing these kind of scenes as we register and approach elections.
Attacking people based on their religious or ethnic affliation is totally unacceptable. The Universal Declaration on Human Right is very clear on how human beings should treat each other especially the following two articles
No one shall be subjected to arbitrary interference with his privacy, family, home or correspondence, nor to attacks upon his honour and reputation. Everyone has the right to protection of the law against such intereference or attacks.
1) Everyone has the right to freedom of movement and residence within the borders of each state
2) Everyone has the right to leave any country, including his own, and to return to his country.
Actions of a few bad elements within us should not be blamed on the entire community. The question then is, who is a terrorist? Any people who organized or cordinated the blast together with those criminals who retaliated by stealing, injuring and raping women are all one and the same as TERRORIST. In the bible John 10:10 “….the thief come to steal, kill and destroy…”. Any act of terrorism is meant to destroy and kill people. The government should use its might and intelligence in crushing the few bad elements in our midist. If Kenyans are to enjoy their democratic right then peaceful coexistence is important. – Simon
October 21, 2012
Time for voting
Finally Mathare people have their own constituency; Mathare. This will mean that people will elect a new Member of Parliament along with six ward assembly representatives. The two new wards that have createted are Hospital and Ngei wards. The other wards are Mlango Kubwa, Mabatini, Huruma and Kiamaiko
There is alot of political movements on the ground. People who so far come forward seeking parliamentary seat are the current councillor for Kiamaiko ward Mr. George Wanjohi, former Mathare aspirant during KANU era Mr. David Irungu, a Huruma resident Mr. Francis Mbai and the son of the current MP for Starehe Kariuki popularly known as K1.
In 2013 the people will make their choice. for now it is for the aspirant both for county assembly representatives and members of parliament to convince the electorates why they are suitable. – simon
June 7, 2012
Walking around the community (Mathare) one will notice the high numbers of young with mobile phones. The most preferred handset among the youth are those with access to internet while old people want handset through which they can access Mpesa. People do not care much whether it is a Chinese or European make.
The days of using mobile phones for calling and talking purposes are long gone. This is just like when people used to work with computers for typing alone. When have reached a stage that access to mobile phone is slowly becoming ‘right’ for all.
The use of computers is quite rampant but not as high as use of mobile phones. There is need to investigate how use of mobile phones can be used to enhance service delivery to the people in informal settlement. The identification of services and needs will help software developers to come up with mobile phone applications to enhance efficiency in service delivery.
Having programmes to facilitate access to cheap phones and computers in the informal settlement can help stimulate meaningful dialogue for development. – Simon