DENI

Ukweli kabisa…Hekata zikuje…
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I used to be a money lender. Never again. Kenyans are good at borrowing and giving stories about their plans.
Time ya kucollect, “oh im waiting for someone to send me something ngoja…” and then it now becomes a tripartite issue when it really was a bilateral situation.
Never ever again!

If you want to know if someone will pay you back ask them their mshwari loan limit.
Kama Ni mtu anachezea below 5k wachana na yeye huyo ni bad news.

dawa ya deni ni kukunywa gibleys

gibleys?? omwami we inakaa unakunywa sumu na hujui :D:D:D

The golden rule is never lend money to friends or family.

Dawa ya deni ni kulipa. Simple! Hekaya za cheque bado hijaclear ama iko deal nangoja iive nikulipe tuliskia guka ya kijiji bado kama hajamea fudhi

With family I give what I can afford, isipo rudi ni Sawa, but this is just my bros and sisters

It gets tricky when beste analia shida and you’re in a position to loan him something

Manze

majamaa hukasirisha mtu ni wale wa top-up loan “buda nakumbuka ile deni yako, fanya ivi… nikopeshee thao zingine mbili nikulipe zikiwa zote pamoja”.

Last week nimekopesha mwingine 50k, sijawahi ongeleshwa hadi wa leo. Wacha grace period iishe…

Sometimes inabidi, give whatever you can. Hio hua hairudi!

Family and friends help out what you can afford to lose.

mimi sijawahi tumia Mshwari, so utaninyima?

You must be very rich

Have a limit of what you can give and not get stressed if it’s not returned. Mine is 500bob or 1000 during good times. Anything more than that we’ll have to involve legal paperwork. I learnt this the hard way. Plus you should always mention problems or projects you have when hanging out with friends so that you can have a readily available excuse if you don’t feel like lending. Unamwambia unakumbuka ile mjengo mi hukushow, imenileta juu sana so hiyo pesa itakua ngumu sahi.

The amount of money I have lost to the extended family is enough to simamisha a high rise building hapo Ruaka. These days I pay money direct to the schools or hosi. If I don’t get it back nasema at least it was for a worthy cause.
Loaning niliacha. Some pay, some don’t and the sob stories they come up with!!!. Don’t know where they will be hiding at the family get to-gether this xmas.

Ntakunyima na nikuambie uanze kukopa kwa Mshwari.

Nmepea sparta flani 6k sometime in october sai ninja hashiki simu zangu