Joyce Wanjiru

Medical Laboratory Scientist| Data Analyst in SQL, Power BI and MS Excel| Virtual Assistant.

[Joyce Wanjiru @_joyce_w_]

Here's what mental health is not: a sign of weakness, all in your head, something you can just snap out of, something to be ashamed of. Mental health is something to look after, real and complex, and a part of everyone.
#MyMindOurHumanity

[aether @bluewdrift]

romanticize your life, take pretty pictures, feel like the main character, light up a candle, read books, go for a walk, dance to your favorite music, buy yourself presents, do whatever you want, be happy - this is your life, don't let anyone take it from you

[k @alfkkifine]

Great. Study endometriosis now

[Mumbi. @miss_mumbzk]

Nina invests money in Sacco >>> Nina’s sacco money is invested in road >>> Nina pays tolls to access the road her money was invested in >>> Nina pays more consumption taxes because toll payment is not enough to repay investors, including Nina - oh and Nina has to continue paying to use the road she’s invested in twice over.

Nina is a happy bunny. 🐰

[Cyprian, Is Nyakundi @C_NyaKundiH]

They are now telling Kenyans that government eyeing SACCO money will be a big win for savers, which is the kind of comedy you hear when a hyena enters a goat shed and calls it a security partnership 😂😂😂😂😂

A broke government that has borrowed everywhere, taxed everything, sold public assets, crowded out SMEs through banks and now wants SACCO money cannot suddenly be marketed as a blessing to savers.

SACCO members did not save slowly from salaries, biashara, farming, boda rides, police pay, nursing shifts and teaching jobs so Treasury could arrive with a PowerPoint and call their private sacrifice infrastructure financing.

This debate is very simple, because government should not compete with ordinary Kenyans for SACCO money, loans and credit in the last financial corner where citizens were still breathing.

Calling this a big win for SACCOs is like telling a man that the thief measuring his door at night is doing free security assessment.

[Cerebral Assassin @xysist]

Looking at these conditions and it’s unfortunate that world bank has to come tell us to do these basic things

[Cyprian, Is Nyakundi @C_NyaKundiH]

SACCOs must stop hiding and speak out immediately, because their members are the ones panicking, asking questions and wondering whether their private savings are now being measured by Treasury.

Every serious SACCO should tell members whether it supports government access to SACCO money, whether members will vote before any exposure, whether liquidity is safe, and whether member loans will be affected.

This is not the time for silence, because silence will create rumours, rumours will create fear, and fear will do more damage to SACCOs than any honest statement ever could.

And this is urgent or we will send queues of angry Kenyans to them to ask the questions.

And the queues will be longer than those we sent during the collapse of Chase bank and family Bank.

[Moe @moneyacademyKE]

The audit reveals that Finsprint, a private firm involved in the SHA payment system, deducts a 2% fee from every payment made to hospitals before the money is sent.

Strangely, it also says the firm's majority shareholder has no verifiable address.

[Moe @moneyacademyKE]

The World Bank has given Kenya more than 10 conditions before it can access the next round of loans.

Here are 10 of the main conditions explained in simple terms.

Thread below:

[Anwar Saddat @AnuarSaddat]

By the time Ruto is done with SACCOs, hundreds of thousands of Kenyans watakuwa wanajinyonga because their savings from hard wok will be gone.

Already, there are reports of retirees who are not getting their pensions because their money has been sunk into the Ruto’s petty cash kitty he called Infrastructure Fund.

[Mary Kathomi @MaryK2022]

Can someone explain to me how they will do it?

[Gitz  @Gitz__]

This should worry everyone that has money saved up in a Sacco

[Cyprian, Is Nyakundi @C_NyaKundiH]

After SACCOs, Banks And M-Pesa Are Next As Kenyans Become Guarantors For A Debt Crisis They Never Ate

Kenyans must stop asking why Kenya has not defaulted and start asking who is being prepared to carry the default when the music finally stops.

Ghana was here.

Sri Lanka was here.

Zambia was here.

Argentina was here.

Lebanon was here.

The script is always the same, because a broke government borrows until lenders get tired, taxes until citizens are dry, leans on banks until credit disappears, pushes pain into pensions and domestic savings, then tells the public that sacrifice is needed to save the country.

That is why the SACCO story should scare Kenyans more than they currently seem scared, because SACCO savings are not government money, they are the private sweat of teachers, police officers, nurses, farmers, matatu people, boda riders, mama mbogas, small traders and workers who ran there after banks abandoned them.

In every default story, the government does not stand alone at the edge of the cliff, because it drags citizens there as guarantors through inflation, taxes, currency pain, bank losses, pension restructuring, frozen credit and forced patriotic nonsense dressed up as national recovery.

Banks already formed a comfortable debt circle with government, where lending to Treasury became safer and sweeter than lending to SMEs, which slowly choked biashara, starved the real economy and turned ordinary Kenyans into beggars inside their own banking system.

Now the same government that fed banks with public debt is walking into SACCOs, looking at the last pool of money ordinary Kenyans still controlled after taxes, deductions, mobile money charges, fuel prices, school fees and rent had already eaten their pockets.

The anus cannot be stitched to stop diarrhoea.

A debt crisis cannot be solved by raiding SACCOs, squeezing banks, eyeing M-Pesa, selling public assets and pretending that every desperate grab is an infrastructure plan.

Ghana called it domestic debt exchange.

Sri Lanka called it restructuring.

Argentina called it emergency controls.

Lebanon left people staring at bank balances they could not freely touch.

Kenya will give it a cleaner name, maybe national development, domestic resource mobilisation, infrastructure financing or patriotic investment, but the meaning will be the same.

The citizens are being prepared as guarantors for debts they never ate.

Kenyans are not angry enough, because if they understood where this road ends, they would know SACCOs are not the final target, they are the warning shot before banks, M-Pesa and every private pool of money still breathing outside Treasury’s hands.

The money is finished.

[Okong' Okuna @XivTroy]

We should all be happy again, at some point in our lives. Laugh until our stomachs hurt. Sit quietly with ourselves, free from the ever-lurking anxieties. Even if only for a minute. Growing up has a way of chipping those things away.

[Writer | Climber | Mother of Dragons | Kas Ka Gan @Wordslinger__]

Neither. You must parent within the contexts you find yourself in, and as per the dispositions and conditions of your individual children.

[Portia Moemedi @PortiaMoemedi]

To every woman who’s shared in this thread: I’m genuinely in awe. You are incredibly smart. The number of degrees, Cum Laude and Summa Cum Laude distinctions 🤌🏾 especially in such tough fields like is truly remarkable❤️.

Black women in particular keep showing the world something deep and powerful: we keep rising, keep mastering spaces that weren’t designed for us, and we do it with quiet strength and undeniable excellence.

Thank you for reminding us all what’s possible. This thread means more than you know to many❤️😍🤌🏾

[🎧Astro girl🫧 @Amarachukwuuu]

women are busy posting their academic achievements and your own biggest flex is having a man? sweet Jesus 😭

[Cyprian, Is Nyakundi @C_NyaKundiH]

We spent a lot of time popularizing the #WeAreAllKikuyus movement, then some people wake up and post this kind of tribal nonsense like Kenya has not suffered enough from ethnic stupidity.

Such statements take us backwards. They feed the same poison we have been fighting, where every political disagreement is turned into a tribal war and every community is dragged into battles created by politicians and their mouthpieces.

Kenya does not need such polarizing people on social media. We already have enough problems without adding reckless tribal incitement from people chasing likes and cheap applause.

This is exactly the kind of garbage that keeps the country stuck.

[!! @VObiloh]

@Kenyans Why not quarantine them at the source, in DRC??

[Writer | Climber | Mother of Dragons | Kas Ka Gan @Wordslinger__]

Strong and resilient when women give birth using torchlight and there's such poor infrastructure sick people die on nduthis enroute to the nearest referral hospital because local clinics are in utter rot???
You people are devils.