10 REASONS YOU SHOULD UNBANK YOURSELF WITH CBA LOOP

The banking world has elated to higher heights with CBA Loop cutting its niche in the modern banking technology that many might be forced to embrace in the foreseeable future.

Loop ensures that your money is safe while at the same time checking your spending habits so that any time you spend; there is a crystal clear reason why. And it isn’t merely a bank since it makes sure that your money exists for one simple reason. To make sure you rip life’s price tag right off the label. Loop provides the coin you need to light up the game you’re trying to beat at life’s arcade.

"We set money free with a fully digital money management app that achieves something we've been told is impossible – letting money make us happy," says a CBA Loop agent.

According to a user manual upon account registration, one will realize that Loop is a fully functional bank just like any other, only that it is somehow portable. It allows you to do the usual things that usual banks do, but unusually. 

Managing your finances, loans and investments, slot right into your life like the perfect block in life's Tetris game.

“We turn jumping through hoops into joyful loops, it returns joy to the money you work so hard to acquire,” says another Loop agent.

There exists an array of reasons you should take that big leap of faith and register yourself with CBA Loop to turn your dreams into solid cash you can substantiate. All that you need is a smartphone, data bundles and you will be good to go. The following are reasons why you should unbank yourself while banking on your ambitions with CBA Loop:

          Photo Courtesy: CBA Loop Bank store

A pocket-sized financial manager - With Loop, you will be able to transact normally via the CBA Loop app on your smartphone. This can be sourced from the Google Play store and installed on your mobile phone so that your bank is within your reach everywhere you go.

"It is so convenient to use the application software once installed on your smartphone, I often use it to send money and it ensures that all my payments are made electronically to avoid the fraud that might be witnessed in cash dealings,” says Annette, a client.

Loop also enables you to keep an eye on your spending -For instance, if purchasing clothes, you will first have to fill a form indicating why you are making the transaction. The app checks if your request holds water before giving you the green light to access your monies.

With the Loop app on your phone comes convenience - You can make payments to an array of service providers ranging from electricity (KPLC), water(Nairobi water, airtime(Safaricom, Airtel, Telkom) and even DSTV. The application links directly to mobile money and ensures you make secure payments to your preferred service providers at a small cost of around Ksh. 42. Isn’t this awesome, paying your bills directly from your bank account without having to physically go to the bank. 

Loans at the touch of a button – With this kind of technology, one doesn't have to make long queues in banks when in need of financial assistance in the form of loans. You will simply have to log into your Loop application using your smartphone, at the taskbar which is towards the bottom, click on loans and you can choose between a personal loan and overdraft. It is this easy!

Easier card replacement – We all could misplace important documents and cards at times. Albeit this, Loop offers a more convenient methodology to have your debit card replaced as soon as possible should you lose it. In case of a misplaced card, simply make a replacement card request from your Loop app or web address. Log in to the loop app or web and select “request for a replacement card” and select the card you want to replace.

 Photo Courtesy: CBA Loop application on phone

Promptly block and unblock your card – In case someone made away with your card, then this can be fixed. There is no cause for alarm; simply go to the Loop app or web and assign a "block" status. In case your card is lost or damaged; apply the same procedure to have it blocked so that no one can access your monies. To also unblock your card, go to the Loop app or web and select "activate" if you had previously blocked it. 

Spending which spends on you – Loop is more like a financial management tool, which rewards your smart financial moves. Loop surprises its clients when they use some specific features within the app, for example, the Loop invests, setting goals and this enables you to spend wisely. It monitors your spending to make sure you do not out of your way making unnecessary purchases.

         Photo Courtesy: NCBA Loop Bank Logo

Loop corner in case you get stuck – With the app comes some rare convenience. Working around it is easy, but of course, not everyone is technology savvy. If clients get a hard time using the application, then the Loop corner can be of assistance. Here, one can get useful tips on Loop functionality, and answers to frequently asked questions. 

“We understand calls are not everybody’s cup of tea, raise a query from the same help corner and immediately obtain a ticket number to confirm your problem is being looked into by our Loop crew,” says a Loop agent from CBA Loop Mombasa.

 

NPS BECRY OFFICERS' MEAGRE ALLOWANCE INCREMENT.

National police service officers who occupy government houses in wide array of police camps shall be categorically required to pay rent and cater for their own utilities and service costs. This recent move that cuts all forces ecompassing Kenya prisons service, Administrative police, K.W.S, regular police, General service unit among other cadres of units has witnessed a foggy and vague disquiet engulf the workforce that makes our Kenya's police.

Campuserian learns that a go - slow is privy and imminent as officers are seriously offended by the unscrupulous monies which do not before their standards of their lives and those of their loved ones.

"I have been working for the government since '82. I'm am as we speak on the verge of cruising promptly into retirement. What is 15,000 for a Sergeant of prisons like me. It is only 5 years to my retirement. I have a family. Shall the above figure cater for my already grown family of 4. In the present time... This is should be a joke and we feel shortchanged," reiterated a Sergeant whose name is withheld on grounds of anonymity. The worthy Kenyan officer is a sergeant at King'orani prison, Mombasa Remands home.

Officers cruising in pay grade "12" (senior cadre - senior assistant inspector general) based within the metropolitan Nairobi will duly pocket sh. 63,646.

Privy, it is of worth to note that out of an estimated 100,000 blue uniformed police officers, only the ones above inspector rank earn house allowances as it stands currently.

 One letter (signal) in police parlance from the police HQ to regional directors postulates that officers will start receiving house and commuter allowances from December. Albeit the ceremonious signal, chief afandes do believe that whatever they are getting from the government is minute as to withstand the current real estate market presently.

The disbursement of the aforementioned allowances shall be on grounds and merit of rank and position.

"The new rates of house allowances which will be implemented with effect from December 1," affirmed a letter backdropped to be scribbled on Friday and signed by Mr. Larry Kieng' - director of the Kenya Police Service.

Grade, common a terminology as job group(1-15) and the region of deployment come in handy and the new rates of house allowance shall be based on those.

The letter also indicates that police officers occupying houses inside the famous 'kambis' shall be required to immediately vacate the government houses once the salaries are adjusted and fend for their own houses, utilities and service cost.

"If we are to vacate government houses within major cities the likes of Mombasa, Nairobi, Kisumu; then it becomes father worse a situation. You cannot find a house from CBD. Peculiarly, the rates of houses in Central Business District especially Nairobi do not match with the peanut allowances weather are being offered. This is  shortchanging at it's best," reiterates Peter Njuguna, a Kenya Prisons Service police sergeant at Mombasa Remands Home.

Those with larger families also grieve that the amount possibly shall not allow one to find a plausible residence; since it is too meagre too little.

"I have 3 kids and one wife to my belt. Even a queer 12,000 will not be enough to facilitate our housing. In this Kenya if ours, where really shall I land a rental residential 3 bedroom house with enough space for my family and house maid at 12,000 a price? I presume nowhere," reiterates Albert Santa Gideon, also a regular police corporal, Tononoka police station, Mombasa.

Albeit all the debacle, interior cabinet secretary Fred Matiang'i has defended the housing and commuter allowances for police officers. He says the figures we're arrived at after hefty consultations.

"We were advised by SRC, Treasury and PSC who determined the allowances. They also introduced commuter allowances. They were never there before," said the C's.

Beside the commuter and house allowance, the close to  100,000 officers shall receive supplimebtation allowance, to cater for their electricity and water bills among others.

Those working in operational units shall be paid supplements. Most officers do not live with their families at their operational matrices. So the monies we shall give them shall be used to fend for shelter of their families away from the government houses in places they already are housed." Said Charles Owino, National police spokesman in an interview on K24 TV at 7:21 PM Saturday interview with Mwanaisha Chidzuga.

An internal memo dated December 13 says the monies will be paid starting December 1.

"This applicable allowances at the stated rates include house and commuter allowance as well as housing supplimentation which will be paid effective December 1, 2018," reads the memo.

The government initially had planned to pay police officers' constables in Nairobi upto ksh. 18,124 per month, and ksh. 13,124 for constables from Mombasa, Kisumu, Nakuru, Meru and Uasin Gishu. Other counties would have their own constables receive ksh.8,124.

The lower cadre officers - constables and corporals will now get ksh.9,500 as house allowance for those in Nairobi and ksh. 4000 as commuter allowance.

Similar rank officers in Mombasa, Kisumu, Nakuru, Nyeri, Thika, Malindi, Kisii, Eldoret, Kakamega and Kitale will earn ksh. 7,000 while those in other regions will get ksh. 5,500.

A Nairobi sergeant will earn ksh. 9,800 as house allowance, ksh. 4000 as commuter allowance. Those in Mombasa, Kisumu, Nakuru, Nyeri, Eldoret, Thika, Kisii, Malindi ostensibly shall be set to recieveksh. 7,300 and other regions ksh. 5,700.

A gruesome amount of ksh. 15,700 for house allowance and ksh. 4,000 for commuter allowance is likely to be fished out to a senior sergeant of police in Nairobi.
"Many officers are complaining on matters their delayed December payslips. Albeit this, what we reassure them is that when they come out, the changes shall have duly been effected there in and allowances credited," affirms Charles Owino.

WHO UHURU KENYATTA SHALL ENDORSE 2022 - ORENGO SPEAKS.

Clearly, the corridors of power have started speculating. Gradually the clock is fast ticking. Politics is soon taking a rather unprecedented  curve that will see the soil's phenotype on matters general elections largely bode imperviously to shape the 8th placed economy - rated country amid 54 recogonised and 2 disputed African states on the political arena  and presidency succession front.




James Aggrey Bob Orengo, who signs off as senator, Siaya county holds some queer yet almost close to real and swift - in - conviction sentiments regarding Kenya's future political curvature. The lawyer and activist does presumably think that H.E Uhuru Kenyatta shall go ahead to baffle many if not the entire Kenyan netizenry. His pick from the pack shall be rather unexpected and largely mystifying to the public eye.


"At the end of the day, we are saying that the leadership of H.E  Uhuru Kenyatta and R.H  Raila Amollo Odinga is going to produce the next president of the republic of Kenya," reiterated senate minority leader.

Senator Orengo hypothesizes the aforenentioned information in line with Uhuru's earlier remarks that shows even our incumbent Mr. President is sure of breaking hearts, certain to shape Kenya's future and progressive in his agenda towards enabling the country cement its mark as a highly rated middle income country within Africa before 2025.

"I am glad when  president Uhuru Kenyatta said he was going to surprise people in Jubilee as to who is going to be the next president of Kenya. He was saying that, knowing that William Ruto is his veep. And that surprise according to us, practically and for all reasons is Raila Amollo Odinga," affirms James Orengo.

The once SDP party chair also opines that Kenya shall orchestrate yet another referendum fete to adress the petty shortcomings of our current constitution. He staunchly holds the rare belief that whatever changes the government and minority group agreed upon back in 2010 shall be effected sooner after Uhuru's successor becomes apparent to the citizenry.

"We are going to have a referendum which I think will adress the 20% of the constitution that we had agreed in 2010 that; there were areas that needed attention," said the 3rd runners up in 2002 presidential election contention.

Kenya as a nation has done very well when it comes to building bridges. James Orengo thinks the initiative shall ostebsibly go a long way in restoring the nation's former glory while creating a platform from which peaceful elections, co - operation between our government and opposition encompassing still even  the private political framework shall all flourish to contribute towards better ideas for a better tomorrow. A better Kenya.

2022 general elections are set to be the most intriguing this state has ever whitnessed.  DP William Ruto has an ally to whom he is owed a political debt which stands as an agreement binding the both -  whitnessed by close to 40 million Wanjirus exluding a terryfying magnitude of  Eastmonds from diferent peripheries of global states the world over. Because of this, he is very much in contention.

 The influential Gideon Moi, Maendeleo chap chap leader Alfred Mutua, presumably Sultaan 001 among the likes of tiny personalities who have earned credible popularity in the recent past including Ekuru Aukot are in my opinion the most probable figures in Election 2022 starting Xl.

Orengo ran for presidency in 2002 for the Social Democratic Party (SDP) but finished 4th with just 0.4% of the votes. His party lost all of her parliamentary places, as many SDP leading personalities had joined the NARC coalition. He was still strong as SDP chair in 2007 before joining ODM later on.

He got sworn in to office in 2013 after emerging victorious for Senetorial second - in - command - after -gubernatorial - leader,  C- in- C  position  Siaya county.

DON'S STRIKE CONTINUES UNABATED - KUSU SEC. GEN AFFIRMS UNION'S STANCE.

The underway public varsities lecturers' strike that has seen education suffer paralysis in our Kenya's institutions of higher learning is still very far from ending.

UASU secretary general affirms that the strike is very much on. He blames the government  for acting unscrupulous, causing unrest and torment to over  0.6 million university students.

" The strike is still on. We highly empathize with students affected. However we have made our demands, the government has not come up with a counter offer. Something that shows they are not taking this matter with the seriousness it deserves. The strike will continue until the 2017 - 2021 CBA is negotiated, implemented and money banked. " Reiterated Mr. Constantine Wesonga few minutes shy of 11: 00 pm Monday April 10.

The dons  staged  4 strikes in the year 2017 alone. The current stalemate has seen the semester dated from February 19 disrupted for close to two months now. Students who were set for internship no longer know of their fate as issues stand.

One Mr. Charles Godfrey Mukhwaya, who signs off as KUSU secretary General also expressed his sentiments towards campus students' misfortune. Albeit his sympathetic ambience, he ratifies that lecturers shall not be cowed. Neither shall they relent in their quest to have government hear them out.

" The strike was on. Is on. And will remain on. Only one university (U.O.N) had their staff exempted from lawfully exercising the strike. The campus had their staff  working despite the union's strike through a court order - one which we appealed and their staff too have now joined in the Nationwide university lecturers' strike."  Mr. Mukhwaya stated.

It is somewhat lackluster of the government. They have not negotiated nor tabled a counter proposal, something that much irks the union.

Both UASU and KUSU delegates adsorbed their dissatisfaction towards central government. The manner by which government is handling matters salaries and renumeration of their members somehow baffles the unions' leaders. The ministry earlier yesterday via Cs Amina Mohammed unleashed placement of the 2017 KCSE graduates.
It ironically dismays the state when the affected ministry directs vitality  in other issues while completely doing zero to rectify the don's incessant and unending now and then go slows.

According to the union, until government tables a counter offer, the strike shall continue valid and unscathed. Mr. Wesonga further advised students to go home, give the lecterers 2 years to sort out issues with the authorities.

" Students, go back home, give us one year, two years to sort out our issues with the government. We shall have no other strike. We want our issues cemented once and for all. No longer shall we go back to the streets again. We want an array of well - calculated strategies that will cement the issue permanently.

However it has come to mind that we have a very shoddy and uncouth system as government. Uhuru seems to be touring other states, as if Kenya has no internal problems and externalities affecting her. And worst as if the people he put in place to watchdog Kenya's interests are doing so well.

Pathetic they are. We have very high professionals as cabinet secretaries. Very learned. With multiple degrees to their credit. Master -  at story telling But who know not what they are doing.

"STRAIGHT OUTTA CELLS" - MORE THAN 5000 INMATES TO WALK FREE BY END MAY.

More than 5000 petty offenders shall smell not of prison medieval levels of squalor come end may.

This is after High court judge Luka  Kimaru; who signs off as national chairman of the Community Service Orders (CSO) ruled in favour of prisoners in a  lubber measure to see prison circles decongested.

The affected inmates shall be released from the period dating 15th April to end May.

Only petty offenders and those with  long term sentences but have served to see off a huge chunk of their sentences reduced to three months or less shall be considered.

"These are basically petty offenders serving a sentence of three years and below. Or who were sentenced to longer periods but have a sentence of 3 years or less remaining," said Justice Kimaru.

Privy, the one month long exercise shall be undertaken by CSO officers, probation and aftercare service officials, as well as those from the prisons and Judiciary.

The  "men who appeared atop the scaffold" that are deemed beneficiaries of the above action  will be released and integrated into community work.

Counties that are to witness highest numbers of convicts released within the aforementioned time span include Nairobi county (624), Eldoret ( 429), Mombasa county (336), Kiambu county (288), Nakuru (282), Kisumu (204), and 199 convicted individuals from Kisii, Bommet and Trans Nzoia.

Lowest number of petty offenders emanate from counties including Migori (49), Siaya (45), Tana River (44), Vihiga county (40), Garissa (40) and Marsabit which will see 26 individuals off penal institutions' perimeters.

Cringe worthy it is to note that none in this bracket of offenders shall be set free from Nyamira and TaitaTaveta counties.

The above set of individuals once released from prison will be sent to their homes. The government lobbies for national unity  as well as family unity through such a programme. Albeit fostering unity alone, the measure shall see the released individuals clear rifts and reconcile with the offended community.

One consortium dubbed Criminal Justice System Audit (CJSA)  carried out  a retrospective survey and published its report in 2017. According to their findings, every two years, more than four million netizens are arrested and detained.

32% of these arrests are converted to charges in courts of law. 70% of the above charges are related directly to petty offences.

The CSO Act was adopted and established by legislators through an act of parliament. Its reason for set up largely being to find a way of addressing challenges in prison, most significantly on matters congestion.

Our Kenya  is hugely affected as far as accomodation of prisoners is concerned. Penal institutions are brimming with an astounding number of 55,000 prisoners against a possible holding capacity of only but 32,000.

        Photo courtesy; prisoners being released from Nakuru prisons. File AFP.

The programme to offset cells of inmates has largely helped the government in saving cash it would have otherwise used to cater for prisoners' welfare. It is also a wide measure in curbing contagious illnesses that normally cause chaotic stumbles within prison walls.

PUBLIC UNIVERSITY DONS VERY UNSCRUPULOUS AND SELFISH.

Without scruple, public university  lecturers' are holding staunch stances on matters  strike. The Kenyan gentry dons are exercising an underway strike that has seen education in public campuses paralysed for almost 2 months now.

Most if not all would concur that the higher education practitioners are unorthodox and uncouth, especially after judge Makau termed the ongoing strike as illegal, unlawful and unprotected.

Photo courtesy; Education Cs. Amina                            Mohammed AFP.


Notwithstanding, the 22 public campuses' staff have since held their grounds and are still yelling solidarity, thinking not of Students nor their parents.

Have you thought of parents, the figures they've had to part with while settling their kids for school? The numbers  of hours wasted for public campus students. The humongous dreams you squash and  stacks of ambitions you make crumble with your shoddy unprecedented  now and then strikes. Oh I forget, you have your lives all worked out, and not for a second do you relax to think of other persons' ?

An array of strikes blossomed  the academic year 2016/2017. With lecturers' holding a duo- go slow during the aforementioned year. This has translated to the current 2018 now, with the dons issues proving cringe- vital as it stands.

Barely less than 3 weeks ago, University Academic Staff Union (UASU) alongside other affiliate bodies denounced a court order. The "teachers by profession" guys had no scruples about muttering a loud bewildering NO to judge Makau's verdict. An action they feel no sorry about. One they executed without compunction whatsoever.

 Constantine Wesonga, who signs off as secretary general UASU reiterates that the union should not be confused for being egocentric, but the guy feels public campus lecturers' are suffering a disorder best known to him as " discrimination".

"Why are the highest and most learned academic staff (professors) not in the highest job group? So who is supposed to be there if the most learned aren't there?" Wesonga lamented.

Privy, Cs Amina Mohammed feels there exists a lot of creepy issues which overwhelm  and continue to cripple smooth operation of public university academics. She too feels lecturers' are behaving in  somewhat of an unorthodox and archaic manner.

" When the country set up the SRC, it was agreed that it will be the guiding pillar in salary determination. But the lecturers don't want to be guided by the same body, " she said.

It has come of wind that some public universities actually implemented the CBA 2017 - 2021  in full, but then others didn't comply with the Collective Bargaining Agreement's set codes of conduct, such including submission of payroll data to the ministry by all public campuses. Now, Amina Mohammed is aware and promises to get to the seabed of the issue through look and crook.

Ms. Amina has sprung up some measures including the  establishment of a probe which will dig into the matter and  issue out a concise report within a month dating from 18th March 2018.

Suffice is to say things will remain as they stand on matters education in public universities at least until 20th April 2018, a point at which the ministry will decide on the most possible option going forward.

Comrades are vacating university premises, leaving them vacuum- empty with the aforementioned eluding pangs of academic hunger that has left their hopes of clearing higher learning as per their admissions' stipulations grow leaner by day.

KALONZO MUSYOKA; THE BIGGEST LOSER WITHIN NASA'S CRUMBLED WALLS.

Wiper Democratic Movement has witnessed its chief Mr. Stephen Kalonzo Musyoka's political career suffer the worst of drubbings in history.

The aforementioned individual has watched his visions as far as Kenyan politics is concerned maimed. Something that has left him crippled if not wounded and he would never fancy extending not even an ounce of forgiveness nor pity towards his perpetrators. Especially one Mr. Raila Odinga.

With the traitor- effect of  Mr. Raila Odinga;  the ex chief of the National Super Alliance, it almost beats logic to think of  the former vice president rekindling his hopes of ever becoming politically viable in a more unprecedented yet conspicuous political front.

So what next for the former deputy president? What can be his best strategy on matters charting his political agendas going forward? With Raila Odinga off his shadows's proximity, and Moses Wetangula having job security to his claim, is it any wrong terming the " watermelon"  nicknamed guy the loser?

We wouldn't go down the road comparing and contrasting Kalonzo and Mudavadi. This is because the latter has never had any serious political ambitions since time in memorial.

 Bungoma senator Moses Wetangula was irked by a weird and unorthodox move opposition leaders took early march. The outspoken  senator was dropped as leader of minority and Siaya senator James Orengo replaced at the helm of corridors of opposition's power.

"The shepherd has turned wolf to his flock. Instead of protecting them, " this were Wetangula's grievances as he bemoaned Raila's misdeeds.
I opine that Wiper leader ought to be singing a similar aubade. Grieving and mourning for his political career is just but close to hitting the wall head on.

The guy is victim of making wrong choices time and again. It is worthwhile to note Mr. Kalonzo made the best decision only once in his political life to date. This was in 2007 when he ganged up with retired president Hon. Emilio Mwai Kibaki to become Kenya's  tenth vice president.

In 2013 general elections, the guy did choose his cards bad, teaming up with Raila in CORD. The two lost this time round to UHURUTO, and this was the focal point from which Mr. Musyoka should have stood on his own.A way from Raila's ghosts.

Notwithstanding, the guy went ahead in 2017 to support Raila Odinga as his running mate yet again. And their ambition to land in Statehouse was once again botched.

The guy he almost but all  put his faith in has now crossed over to reconcile with president Uhuru Kenyatta. This was a good move on matters national unity. Albeit the merits of such an action by Raila, the act comes as awful and so irritating in Kalonzo's ear.

Could Mr. Musyoka ostensibly revamp his  status on matters Kenyan politicking? Could the guy surprise us come 2022 general elections? Is this the end of former Dp's political future? Do Kenyans still fancy the guy as staunch and rigid enough to spearhead the country  as state's president? Personally I doubt.

Either way, only time would tell. However as things stand, Mr. Musyoka's hopes along the corridors of power are very meagre and continue to grow dismal and minute  by day. Only seconds, minutes and piles of hours would tell  how far the guy could possibly chart his political foci in the foreseeable future.