KIIZA

Retired banker/@scvilla

[KIIZA @KiizaLaban]

@TheMutaD @Bygones_24 Don't tell me Lebanese guy sold off riham?

[KIIZA @KiizaLaban]

@aghbeliever @davimasinde Read her story from new vision days🤣🤣🤣she will fight with whatever she has

[KIIZA @KiizaLaban]

@IamHaxx Not until the season starts and you go back to swimming

[KIIZA @KiizaLaban]

Hello Alex
I'm a Ugandan based in Rwanda
I would like to meet you but unfortunately can't DM you
But I would like to meet you over coffee early next week

[Alex Ponton @ponton_alex]

I am going to be in Rwanda for a big part of next week. If anyone wants to meet, send me a DM :)

[KIIZA @KiizaLaban]

@256Volleyball Because Kigali is safe that kids can be out until midnight

[KIIZA @KiizaLaban]

@brintonmarcus Agree with you
I watched all the games live but makuto was far much better and single handedly worn matches for police

[KIIZA @KiizaLaban]

@JosephRyarasa It would be a disaster that can be implemented
Subsidy on the goods you don't have or don't know when the war will end

[KIIZA @KiizaLaban]

@AllanSseky I thought people who can write or speak some little English understand?

[Joseph Nkurunziza Ryarasa @JosephRyarasa]

You borrowed It, pay It back, why access to finance is not enough

Last evening before i went to bed, i read a message from the central bank social media X handle saying, “Microfinance institutions (MFIs) offer flexible lending options that don’t always require traditional collateral, making it easier for individuals and small businesses to access the funds they need to grow and thrive.” https://t.co/YTDclNNp8A

But given what i have seen, observed, read, heard, and personally gone through, i now better understand why this model faces real challenges in practice.

I have always supported collateral free lending for SMEs because it expands opportunity and supports entrepreneurship. It gives a chance to those who may not have assets but have viable ideas. However, the reality on the ground shows that access to finance alone is not enough. The deeper issue lies in behaviour, discipline, and accountability.

As a society, we seem to be drifting away from values that once guided us. The sense of "Kirazira", that internal moral boundary, is slowly fading. Today, some people, relatives and friends borrow money without a genuine commitment to repay, forgetting that this money comes from someone else’s hard-earned savings. When loans are not repaid, the effects ripple across the system. Financial institutions tighten conditions, interest rates increase, and those who are serious about business are the ones who suffer most.

The same pattern is visible in business. Some traders take goods on credit or what is called consignment sell them and fail to pay suppliers. When follow ups are made, you find the products are gone and the money has been used elsewhere. This breaks trust and weakens the entire business ecosystem.

Even socially, it is becoming common for people to seek financial help without responsibility. You help a friend or relative, sometimes even stretching yourself or borrowing to assist, but repayment never comes. Over time, this erodes trust and discourages support.

I recently as i was going through my notes and i landed on a message i sent to a relative who had reached out for financial help, and i responded honestly,

“Muneza, there is a need to take this matter seriously. It is difficult to expect continued support from people if there is no honesty and accountability. The mentality of constantly seeking help without showing progress or responsibility has to come to an end.
Uncle Gatsinzi himself mentioned how he has been supporting you for nearly 25 years, yet there has been very little visible progress from one stage to another. Over the years, money has been given to many of you in good faith, but unfortunately none of it has been paid back. At some point there has to be reflection. Support and assistance cannot continue indefinitely without responsibility. Where do you think that money comes from? It is earned through hard work and commitments that must be honoured.”

Reflection on access to finance and support for SMEs, we must also be honest with ourselves. When you hear that a bank is auctioning someone’s property, do not rush to blame the bank. First ask hard questions, Was there a proper business plan before taking the loan? Was the money used for its intended purpose? Was there discipline in managing the business and repayments?

If we want sustainable growth, then access to finance must go hand in hand with integrity, responsibility, and accountability. Without restoring these values, even the best financial systems will continue to struggle, and the cost will be carried by all of us.

[KIIZA @KiizaLaban]

@BJavis1 @nbstv @NsimentaBridget Those who know him, we actually think he reduced it by 5

[KIIZA @KiizaLaban]

@Nuwahereza31 He should be one of the people not allowed near villa any time
If you remember the club in masaka,kampala,mpiji and lira
Any he is shameless man

[KIIZA @KiizaLaban]

@BenMisagga @SCVillaJogoo Same people who made the club a briefcase want to come back
The team moved from masaka to Kampala to lira and now they want to come back here
Find other things to do

[Ministry of Finance & Economic Planning @RwandaFinance]

The national planning and budgeting consultations for the 2026/27 fiscal year are underway. Running from 2nd to 18th March 2026, these sessions bring together both Central and Local Government entities to strategically invest public resources where they will have the greatest impact.

Guided by the National Strategy for Transformation (NST2), the consultations are focused on identifying and funding key priorities that will drive sustainable development and long-term prosperity.

[KIIZA @KiizaLaban]

@SimonKaggwaNjal @kasyate @KCCAUG Suggested nothing while appearing to be knowledgeable
Vending in all forms is bad,it disorganises the city and creates petty crimes

[KIIZA @KiizaLaban]

The magnitude of the project doesn't matter but both are getting government contracts and subsidies

[KIIZA @KiizaLaban]

@Rel8245 @BakerDauda @nikita_helene Power and money are not given but grabbed

[KIIZA @KiizaLaban]

@missnBri How many masters btw?

[Helena Of Troy @nikita_helene]

sudhir has been a top govt crony for like 3 decades... that's how he's made most of his wealth
you can't replicate his wealth path unless you are also a top govt crony for that long