Saturday, December 23, 2023

Havard is offering 10 FREE ONLINE COURSES IN AI & ENTREPRENEURSHIP.

 Havard is offering 10 FREE ONLINE COURSES IN AI & ENTREPRENEURSHIP. 


1) https://pll.harvard.edu/course/cs50-introduction-computer-science


2) https://pll.harvard.edu/course/cs50s-introduction-artificial-intelligence-python


3)  https://pll.harvard.edu/course/data-science-machine-learning 


4)  https://pll.harvard.edu/course/cs50s-web-programming-python-and-javascript 


5) https://pll.harvard.edu/course/cs50s-understanding-technology


6) https://pll.harvard.edu/course/cs50s-computer-science-business-professionals


7) https://pll.harvard.edu/course/entrepreneurship-in-emerging-economies


8) https://pll.harvard.edu/course/improving-your-business-through-culture-health


9) https://pll.harvard.edu/course/exercising-leadership-foundational-principles


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Friday, December 22, 2023

20 Scholarships Around the World

 20 Scholarships!!! 





1. Friedrich Ebert Stiftung Scholarship 

https://lnkd.in/ddB88NKC


2. York University Vice-Chancellor’s Scholarships

https://lnkd.in/dzPg4vWQ


3. University Of Macau Scholarships

https://lnkd.in/d6KMix5T


4. GREAT Scholarships In UK 2024

https://lnkd.in/gvp9KhpT


5. Islamic University Madinah Scholarship

https://lnkd.in/gs4Y7Gar


6. Schwarzman Scholarship Program

https://lnkd.in/dUXid7TP


7. Florida Bright Futures USA Scholarship

https://lnkd.in/dq3JK7X4


8. Hong Kong Baptist University Scholarship

https://lnkd.in/dJBmFNRf


9. 300 University of South Australia Scholarships

https://lnkd.in/dRKFAtQ8


10. Woods Hole USA Internship Program

https://lnkd.in/dSCiatXj


11. University College London Scholarship

https://lnkd.in/dzCKfHv4


12. Mauritius Government Scholarships

https://lnkd.in/d2C-QkXi


13. Queen Elizabeth Commonwealth Master Scholarship

https://lnkd.in/dm4A_AdV


14. Cambridge University Gate Scholarship

https://lnkd.in/ddzvQCpH


15. BI Norwegian Presidential Scholarship

https://lnkd.in/dnJx-T8y


16. Mid Sweden University Scholarship

https://lnkd.in/dyEXhDEu


17. University of Waikato Excellence Scholarship

https://lnkd.in/dGtmwvxq


18. Vingroup VinUniversity Scholarship 

https://lnkd.in/g8Bvxvru


19. Dalhousie University Scholarships

https://lnkd.in/grDs2nPd


20. University of Winchester Scholarships

https://lnkd.in/ddyQsiHJ


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Newcastle University Scholarships in UK 2024 [Fully Funded] | Study in UK

 Newcastle University Scholarships in UK 2024 [Fully Funded] | Study in UK





✅ Scholarship Country: UK

✅ Host Institute: Newcastle University

✅ Course Level: Undergraduate & Masters

✅ Who is Eligible?: International Students

✅ Deadline Date: 30 May 2024


Apply Now: https://lnkd.in/eWri-p9c


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Here are 10 ways to stay safe online and adequately secure your accounts from online hacks

 Every day numerous cyber attacks occur, with hackers targeting accounts persistently.
Here are 10 ways to stay safe online and adequately secure your accounts from online hacks


I get atleast 2 or more request every week to help recover a hacked account. Everyday day, a staggering number of accounts, reaching into the thousands, fall victim to online hacking attempts, emphasizing the critical need for robust security measures.


๐Ÿ“ŒHere are 10 ways I have compiled to help you stay safe online and adequately secure your accounts from online hacks…Please Share…

1. Enable Two-Factor Authentication (2FA):

2FA adds an extra layer of security by requiring a second verification step, usually a code sent to your mobile device, in addition to your password.


* Steps to Enable Two-Factor Authentication on Facebook and Instagram:

* Go to your Facebook Settings.

* Click on "Security and Login" in the left menu.

* Scroll down to the "Two-Factor Authentication" section and click "Edit."

* Choose your preferred 2FA method: either a text message (SMS) code or a third-party authentication app.

* Follow the on-screen instructions to complete the setup.

Note: Using a third-party authentication app, such as Google Authenticator or Authy, adds an extra layer of security as it doesn't rely on SMS.


2. Create Strong, Unique Passwords:

Use complex passwords with a mix of uppercase and lowercase letters, numbers, and symbols. Avoid easily guessable information like birthdays or names. Aim for a password that is at least 12 characters long. Longer passwords are generally more secure. Each account should have its distinct password to prevent potential domino effects from security breaches. Consider using passphrases, a combination of words, numbers, and symbols that are easy for you to remember but challenging for others to guess.


3. Beware of Phishing Attempts:

Avoid clicking on links or opening attachments from unknown sources. Be skeptical of unexpected emails or messages asking for personal information. Phishing often relies on creating a sense of urgency or exploiting curiosity, so taking a moment to assess the legitimacy of requests helps protect against potential scams. 


Recently, I have noticed many pages are being created pretending to be Facebook and will often send notifications in the form of direct messages for example that an account has violated a policy and action required. They will inturn collect login details such as email and passwords, if the user eventually follow the provided link in a biat to appeal the said violation. Be cautious!


4. Regularly Update Passwords:

Change your passwords periodically to minimize the risk of unauthorized access. Consider using a password manager to help keep track of complex passwords. Regularly updating passwords is crucial because it helps thwart the efforts of a hacker who may gain unauthorized access through stolen or leaked credentials. Additionally, it provides an opportunity to implement the latest security practices and stay ahead of evolving threats. 

Examples of popular password managers include LastPass, Dashlane, and 1Password.


5. Monitor Account Activity:

Regularly review your account activity and statements for any suspicious transactions or logins. Report any unauthorized activity promptly. When a suspicious login happens on Facebook, usually Facebook will prompt you with confirm "THIS WAS ME" or "THIS WASN'T ME". Selecting the "THIS WASN'T ME" prompt will allow you to change your password, securing your account.


6. Use Virtual Private Networks (VPNs):

When accessing the internet, especially on public Wi-Fi, it is recommended to use a VPN to encrypt your connection and protect your data from potential eavesdropping. Leveraging Virtual Private Networks (VPNs) is a savvy strategy to bolster your online security, particularly when navigating the internet on public Wi-Fi networks. Public Wi-Fi, often found in places like cafes, airports, or hotels, is susceptible to potential eavesdropping by malicious actors seeking to intercept your sensitive data.


7. Regularly Check for Software Updates:

Keep all software, including web browsers and plugins, up to date. Vulnerabilities in outdated software can be exploited by hackers. Software updates often include patches and fixes that address known vulnerabilities or weaknesses identified by developers or security experts. Hackers are adept at exploiting these vulnerabilities to gain unauthorized access or deploy malicious activities.


8. Secure Your Email Associated with Facebook, Instagram or any online account:

Ensure the email linked to your Instagram account is secure and regularly check for any suspicious activity on your email account. Given that if this account is hacked all linked accounts could be potentially exploited and gained access to.


9. Backup Important Data:

Regularly backup critical data to an external device or a secure cloud service. In case of a ransomware attack, you'll have a copy of your essential files.


10. Stay Informed with Cybersecurity Awareness:

Stay updated on the latest cybersecurity threats and best practices. Being informed helps you recognize potential risks and take proactive measures. I am now starting to share many awareness on Cybersecurity and online safety and hopefully I will be sharing alot of informations. Please stay in touch with this profile.

Cc. Felix Fomengia 

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Friday, December 15, 2023

Work Visa to Luxembourg ๐Ÿ‡ฑ๐Ÿ‡บ

 Work Visa to Luxembourg ๐Ÿ‡ฑ๐Ÿ‡บ.


https://youtu.be/VRBcHIZupTY?si=jY1XQ7WrkQrpLh-x

Please watch and subscribe for more.


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Tuesday, December 5, 2023

28 Global Remote Nonprofit Jobs

 28 Global Remote Nonprofit Jobs

 

 


1. Programme Associate - Climate & Gender Equity Fund at 2X Global. Remote. https://lnkd.in/g3sy5_6w

 

2. Programme Manager at 2X Global. Remote. https://lnkd.in/gAEXPQKR

 

3. Programme Associate at 2X Global. Remote. https://lnkd.in/gWKRY_k2


4. Communications Strategy Consultant at Mama Cash. Remote. https://lnkd.in/gRyBwvqT

 

5. Operations and Administration Manager at Youth Climate Justice Fund. Remote. https://lnkd.in/gVU6j4nm 

 

6. Research and Communication Assistant at India Migration Now. Remote. https://lnkd.in/gbdYVUgk 

 

7. Head of Movement Building and Policy (Maternity cover) at CHAYN. Remote. https://lnkd.in/gJh4hmAG 

 

8. Content & Communication Manager at Piramal Foundation. Remote. https://lnkd.in/gzWAyVY2 

 

9. Operations Lead at Global Commons Alliance. Remote. https://lnkd.in/gqKrsY6k 

 

10. Executive Assistant at Rainforest Action Network. Remote. https://lnkd.in/gwPtQ7sz 

 

11. Learning and Development Specialist at FAO. Remote. https://lnkd.in/gaQdrPVa 

 

12. Global Partnerships Officer at Global Survivors Fund. Remote. https://lnkd.in/gagwgaag 

 

13. Executive Assistant at Nalafem. Remote. https://lnkd.in/gPxwbaH2 

  

14. Content Creator at Nalafem. Remote. https://lnkd.in/gPxwbaH2

 

15. Community Manager at Nalafem. Remote. https://lnkd.in/gPxwbaH2

 

16. Social Media Campaign & Influencer Officer at Nalafem. Remote. https://lnkd.in/gPxwbaH2

 

17. Instagram & TikTok Specialist at Nalafem. Remote. https://lnkd.in/gPxwbaH2

 

18. Director of Programs and Business Development at Shabaka. Remote. https://lnkd.in/gGU24yzi 

 

19. Grant Management and Compliance Officer at CLEAR Global. Remote. https://lnkd.in/grZfeNST 

 

20. Head of Just Transition and Natural Resources at Business & Human Rights Resource Centre. Remote. https://lnkd.in/gBD5j28t 

 

21. Partnerships Manager at All Hands and Hearts. Remote. https://lnkd.in/gpye9K5i 

 

22. Coordinator- Sustainable Cities for All at PolicyLink. Remote. https://lnkd.in/g7cSfEm7 

 

23. Consultant, Stakeholder Mapping at Equality Now. Remote. https://lnkd.in/gi8czXpu 

 

24. Institutional Fundraising Manager at Yamba Malawi. Remote. https://lnkd.in/gQkMbPBu 

 

25. Part-Time Monitoring, Evaluation & Learning Consultant at EqualHealth. Remote. https://lnkd.in/g6PmAbMq 

 

26. Global Finance Co-Director at the Sunrise Project. Remote. https://lnkd.in/gs5rpf9E 

 

27. Program Director, Insurance at the Sunrise Project. Remote. https://lnkd.in/gugTpEyy 

 

28. Consultant, Advancement Specialist at Black Fox Philanthropy. Remote. https://lnkd.in/g5ugaagi 

 

๐Ÿ‘ Like | ๐Ÿ’ฌ Comment | ๐Ÿ”— Share | ๐Ÿ“Œ Save

 


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Sunday, December 3, 2023

Ways To Grow Your Money

 10 Ways To Grow Your Money


By Steve Burns

 


There are many simple principles that can make all the difference between allowing your money to grow or staying broke. Here is a very simple and quick top ten list that if followed with discipline can make a huge difference in a person’s life. Simple but very difficult for most people to follow consistently over a long period of time of years and decades. Don’t let your current desires and wants to consume the capital that you need to build for the older you that will need it.


Consistently buy things that go up in value.


Work in a field that you are passionate about and enjoy.

Don’t look for a job, look for a career and a mission.

Invest as much money as you can when you are young so you have 40+ years to benefit from compound interest.

By an investor primarily and a consumer secondary.

Learn skills that can earn you a good income.

Stay in good health so you can create value that will earn you money.

Stay away from expensive bad habits.

Only be in relationships that create value in your life.

Make small financial mistakes and avoid ones that can ruin you.


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One Habit That Will Change Your Life

 What’s Inside Matters 

(One Habit That Will Change Your Life)

By Julianna Summers


We all have habits. Some we recognize, like brushing our teeth before bed or hitting the snooze button multiple times in the morning. Others we do almost mindlessly, like snacking while watching TV or checking our phones constantly throughout the day. Our habits shape nearly half of our waking hours, yet we rarely consider how they impact our health, happiness, and success.


What if making one small change to your daily habits could significantly improve your life? It may sound unlikely, but hundreds of studies have shown that tweaking a single routine can have immense positive effects over time. Whether starting a new beneficial habit or breaking an unproductive one, you can transform your life through the power of habit.


The one habit that will change your life is always looking for new good habits to add to your daily routine


In this article, we will explore how to identify the proper habit to change, why habits matter so much, and how a simple adjustment can yield profound rewards. We’ll also hear from people who altered one pattern and saw astonishing results. Get ready to revolutionize your life, one practice at a time.


The Importance Of Habits

Habits are automatic behaviors we exhibit regularly, from brushing our teeth to checking social media. On average, nearly 40% of our daily actions are done by habit, not decision. This means a massive chunk of our lives is habits! Here’s why they matter so much:


Habits Shape Our Identity

The collection of habits we practice routinely becomes who we are over time. By changing our habits, we can reshape our sense of self. Want to become more active, patient, or focused? Make patterns to match that identity.


Habits Are Self-Perpetuating

We default to our habits, which then get reinforced through repetition. This makes habits extremely hard to break. But it also means new good habits will stick if repeated consistently.


Focus Is Key

Trying to overhaul all your habits is overwhelming and unlikely to work. The key is choosing one beneficial new pattern or breaking one bad habit. This focused approach makes success more achievable.


Example: Meditating for 10 minutes each morning may seem minimal. But over time, this habit can enhance your calm, focus, and self-awareness.


How To Identify The Right Habit

With so many potential habits to change, how do you identify the “right” one to focus on? Follow these steps:


Take Inventory

What are your most ingrained daily habits right now? Make a list. These offer prime candidates for change.


Find Problem Areas

Reflect on your health, work performance, relationships, and other vital areas. Where could a habit change potentially improve things?


Assess Impact

Rank the habits you identified by potential positive impact. Which offers the most benefits if adopted?


Start Small

Resist the urge to change everything. Pick just one beneficial habit to start or one bad habit to quit.


Example: A person who wants to improve their health and well-being decides to establish a new habit of taking a brief midday walk three days a week. This small addition can make a big difference in the long term.


Making Habit Change Last

You’ve identified a great new habit to start or a bad habit to stop. Awesome! Now comes the hard part – following through. Here are tips to make your habit change stick:


Be Specific About Plans

Decide the details of when and how you will implement your habit. Link it to an existing routine. Start with just 5-10 minutes a day.


Track Progress

Use a journal, app, or calendar to monitor your habit change efforts. Recording successes helps with motivation and accountability.


Enlist Support

Tell family/friends about your new habit. Their encouragement and reminders will keep you on track. Better yet, get them to join you!


Allow Time

It takes an average of 66 days for a new behavior to become automatic. Be patient with yourself and focus on consistency.


Example: To successfully establish an exercise habit, set specific workout days/times, log each session completed, exercise with a friend, and don’t get discouraged by setbacks.


The Rewarding Results

Changed habits pay off in so many ways. Here are just some of the rewards one habit change can bring:


Better Health

Just minor tweaks like eating an extra serving of veggies or reducing screen time can significantly improve your physical and mental health.


Increased Productivity

Habits that minimize distractions improve time management and boost focus, making you far more productive at work and home.


Stronger Relationships

Habits that reduce stress, increase positivity, and foster connections help strengthen your bonds with others.


More Happiness

Habits prioritizing gratitude, mindfulness, and self-care greatly enhance your mood, outlook, and happiness.


Financial Benefits

Habits like meal prepping, cutting discretionary spending, and saving more can help get your finances in order.


Example: A man decided to limit checking work email after dinner and on weekends. This allowed him to be more present with family and less stressed. His relationship with his wife and kids significantly improved.


How One Habit Transformed John’s Life.


John was unhappy. He felt tired all the time, his mind was foggy, and he was irritable with loved ones. He knew his lifestyle habits – like poor diet, lack of exercise, and too much screen time – needed improvement. But every attempt to overhaul everything failed quickly.


Then John learned that focusing on just one habit change could work. He decided to go to bed 30 minutes earlier each night, aiming for 7-8 hours of sleep versus his old 5-6 hours.


To ensure this new habit stuck, John set a strict bedtime routine. He tracked his earlier bedtimes on a calendar, revealing his progress. And he asked his wife to help remind him of his new habit.


After just two weeks, John was amazed at the results. He felt more energized and clear-headed every morning. His mood improved, and he no longer got frustrated over small things. He even became more productive at work.


This habit didn’t just change John’s days; it transformed his life. He went on to improve more habits, building on the success of this first step. But it all started with more sleep.


Conclusion

Your habits dictate so much of your health, productivity, relationships, and overall well-being. By focusing on changing just one habit, you can reap immense rewards over time.


Start by identifying problem areas and high-impact habits tailor-made for your life. Then, set a specific plan, get support, and stick with your new routine long enough to make it automatic. Be patient and focused on progress, not perfection.



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African countries with the best startup ecosystems

 Top 10 African countries with the best startup ecosystems in 2023


Nairobi city 

South Africa leads with cities like Cape Town and Johannesburg, which have a vibrant, private sector-led startup scene.

Nigeria stands out with significant funding and high valuations in the African startup scene.

Kenya has become an innovative tech hub, especially for mobile payment solutions.

The tech startup scene in sub-Saharan Africa has experienced significant growth, making the region a hub of innovation. Based on the Global Startup Ecosystem Index, we highlight the top ten African countries with thriving startup ecosystems.

These countries have shown remarkable achievements in funding, deal count, and sector-specific advancements, attracting entrepreneurs and investors alike.


1. South Africa

Skyline of Johannesburg, South Africa

The South African startup ecosystem is one of the most promising on the continent. With economically successful cities like Cape Town and Johannesburg, South Africa has a vibrant, private sector-led startup scene. Cape Town, in particular, has emerged as a tech hub and has attracted direct foreign investment as well as talented workers from around the country. It is also the most popular digital nomad hub in Africa.

2. Mauritius

Port Louis Mauritius

Mauritius is the 2nd highest-ranked country in Africa, bypassing Kenya, Nigeria, and Egypt this year. With a small but healthy startup ecosystem, thanks to a tight-knit community of freelancers and entrepreneurs, Mauritius has a relatively developed physical infrastructure that serves as a solid foundation for new businesses.


3. Kenya


Nairobi City skyline.

One of the most advanced economies in Africa, Kenya has become an innovative tech hub, especially for mobile payment solutions. Kenya’s pioneering status as a leading continental ecosystem is even more impressive considering the relatively low population compared to countries such as Nigeria.


4. Nigeria

Lagos CBD skyline


With a massive consumer market, Nigeria and its capital, Lagos, have become a leading startup hub in Africa. The country now tops Africa's unicorn charts, with companies such as Flutterwave and OPay rapidly expanding regionally.


5. Egypt

   

Cairo city 


Egypt’s startup ecosystem is one of the strongest in North Africa, dominantly led by its capital’s ecosystem, Cairo. The Egyptian ecosystem displays great potential, given the sheer size of the Egyptian market and population of over 110 million people. Egypt also offers entrepreneurs and foreign companies access to skilled and affordable talent. In 2023, Egypt achieved a major milestone by creating its first unicorn, MNT-Halan.


6 Ghana

Accra - Ghana


Ghana’s startup ecosystem is constantly evolving and receiving foreign direct investment, mentorship, training, and other types of support from various organisations, including the Ghana-India Kofi Annan Centre of Excellence in ICT and 3 Day Startup. One of the key initiatives in this ecosystem is the development of the Ghana Startup & Innovation Bill, which is still in progress.


7. Cape Verde

Cape Verde - Praia 


A new and energetic community of local entrepreneurs has already formed on the Island and is generating high-quality innovations with the potential to expand regionally and globally. Additionally, the Cabo Verde Remote Working Program allows digital nomads to stay in the country for six months with an option to extend for another six months. Additionally, the green card is a permanent residence permit for foreigners willing to relocate to Cape Verde and benefit from tax exemptions.


8. Senegal

Dakar, Senegal


Senegal is becoming increasingly popular for entrepreneurs and investors wanting to do business in West Africa. This is due to its favourable business climate and robust institutions. One of the largest seaports in the region is located in Dakar, Senegal, allowing quick access to European and North American markets.


9. Namibia

Windhoek

The Namibian startup scene offers local entrepreneurs a secure and stable environment that promotes entrepreneurship and innovation in the region. The main challenges for Namibian startup ecosystems are the lack of physical infrastructure, heavy bureaucracy and administrative requirements, access to the market, and low levels of funding for startups.

10. Tunisia

Central downtown Tunis (Image Source: Imen Hentati) 


The Tunisian startup ecosystem is still in the early phase of its development, but the total startup funding raised by the Tunisian tech startups increased significantly in 2022. The Tunisian government is well aware of the importance of creating startup hubs and has introduced the startup support organisation Startup Tunisia.


Credit to VICTOR OLUWOLE

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African countries projected to have the lowest economic growth in 2024

 10 African countries projected to have the lowest economic growth in 2024



10 African countries projected to have the lowest economic growth in 2024


Business Insider Africa presents the top 10 African countries projected to have the lowest economic growth in 2024.

This list is courtesy of the International Monetary Fund. 

Equatorial Guinea has its own economic growth percentage of less than zero. 

The global economic environment is always changing, and as 2024 approaches, certain nations are exhibiting encouraging signals of notable economic development, while the prospects of others are not exactly as encouraging.


Africa is no exception as some countries are projected to experience a rapid economic rise, while some are projected to live less than their full potential.


While the continent has shown resilience and potential for growth in various sectors, certain nations face challenges that might impede their economic advancement.


Factors such as political instability, external debt burdens, inadequate infrastructure, and reliance on specific sectors are contributing to the projected slow growth in some African economies.

According to the International Monetary Fund, the growth of developing and emerging market economies is expected to moderately fall from 4.1% in 2022 to 4.0% in 2023 and 2024, as seen in its October World Economic Output report.


The report titled, Navigating Global Divergencies also noted that global inflation is expected to gradually decrease as a result of tighter monetary policy supported by decreasing international commodity prices, from 8.7% in 2022 to 6.9% in 2023 and 5.8% in 2024.


This underscores the sluggish economic performance some African countries are projected to experience, and below are 10 of the worst hits.


1. Equatorial Guinea -5.5

2. Sudan 0.3

3. South Africa 1.8

4. Tunisia 1.9

5. Lesotho 2.3

6. Sรฃo Tomรฉ and Prรญncipe 2.4

7. Central African Republic 2.5

8. Gabon 2.6

9. Ghana 2.7

10 Namibia 2.7


Cc:CHINEDU OKAFOR

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Kenya has reduced government spending

 Local Leaders
Under its new administration, Kenya has reduced government spending


According to the most recent statistics, the cost of running the national government in Kenya declined slightly in the first quarter of the current fiscal year.



President William Ruto hosted the 22nd Extra-Ordinary Summit of the East African Community Heads of State

In the three months through September, the Ruto government spent Sh268.10 billion on administration, operations, and maintenance, as well as salaries and compensation, a 2.90 percent decrease from Sh276.11 billion in the same time the previous year


The Sh8.01 billion year-on-year decrease in day-to-day operating costs for the administration, Parliament, the Judiciary, and independent bodies is mostly due to lower election spending following the completion of the contentious polls in the first quarter of last fiscal year.


According to statistics released by Treasury Cabinet Secretary Njuguna Ndung'u, recurrent expenditure for the Independent Electoral and Boundaries Commission (IEBC) has dropped from Sh10.33 billion to Sh544.52 million, indicating the expense of the traditionally high-stakes elections on taxpayers.


Excluding the IEBC's recurring costs, the national government's operating expenses were almost steady compared to the previous year, rising by 0.66 percent, or Sh1.77 billion, to Sh267.55 billion.


The rising costs of debt payment have now surpassed those for operating, maintaining, and compensating employees, underscoring the impact of the commercial loans taken out over the past ten years to build desperately needed roads, bridges, power plants, and a new railway line.


For instance, during the three-month review period, debt charges devoured Sh347.22 billion, surpassing the daily cost of administering the government, which includes salaries and wages, by 29.51 percent, or Sh79.13 billion.

Since taking office a year ago, the Ruto government has struggled to reduce recurrent costs, while promising to lower the previous administration's spending by up to Sh300 billion during the previous fiscal year.


This became clear when the recurrent expenses for the fiscal year that ended in June came in at Sh43.17 billion more than the Sh1.18 trillion that Uhuru Kenyatta's administration had planned.

Head of the Public Service Felix Koskei announced that the State will no longer reimburse expenses incurred on trips taken by government officials for benchmarking and study visits, training and related capacity-building initiatives, research, academic meetings, and symposia. This is part of a renewed effort to control growth in recurrent expenditures.


Conferences and meetings with open enrollment, side events, and exhibitions, as well as committee and association meetings and activities, are additional costs that will be reduced as part of the new austerity effort.


“Public institutions wishing to travel and participate in any of the pipeline events in the above categories are required to request for virtual participation where available and, alternatively, engage the Ministry of Foreign and Diaspora Affairs to ensure on-the-spot participation of diplomatic officials in the country of reference,” Mr. Koskei wrote in the memo.


Cc. CHINEDU OKAFOR

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From creating his own toys to creating Africa’s second-fastest-growing company, here’s Tosin Eniolorunda’s remarkable journey

 Exclusive: From creating his own toys to creating Africa’s second-fastest-growing company, here’s Tosin Eniolorunda’s remarkable journey


In an exclusive interview with Business Insider Africa, Tosin Eniolorunda discusses how his life experiences led him to become one of Africa’s leading fintech CEOs. 


Tosin Eniolorunda 


Tosin Eniolorunda is the founder and CEO of Moniepoint, Africa’s second-fastest growing company in 2023. Moniepoint has more than 1,000 employees.


He programmed the first point-of-sale software for Interswitch, on which the majority of POS terminals in Nigeria are being run, and is currently revolutionizing payments for businesses in emerging markets through Moniepoint, which processes over $14 billion monthly for businesses; with a presence in Nigeria and East Africa. 


1.Personal Journey

Q1: You've achieved remarkable success at a relatively young age. What early experiences or influences do you credit for shaping your entrepreneurial journey?


Growing up in Ibadan as part of a loving family provided me with a great start on this journey. Firstly, my parents showed the value of hard work and perseverance, while urging me to follow my dreams. As a first child, I had to learn to be responsive and responsible while providing leadership for my younger siblings. So, I am grateful for the gift of family. I also think that not having a lot of toys to play with while growing up pushed me to be creative and inventive with stuff that we had around the house. While at college, I used to build a lot of final-year projects for students - the hard work I had to put in when doing so proved invaluable to shaping my entrepreneurial journey. After leaving school, I learned a lot from my early experiences of working in the informal sector. This helped me to understand the challenges faced by the underbanked, and it fueled my passion to create a solution that could help them.

Q2: Building a successful startup often involves making tough decisions. Can you recall a pivotal moment in your journey where you had to make a difficult choice? How did you navigate it, and what did you learn?


Building any venture requires a leap of faith, especially as you can’t see clearly what lies ahead. In our early days as TeamApt, we had a platform error that was causing us to lose money. This was in the early days. Imagine a small company losing around 250 million naira and the only fix around this was a platform shut-down. We had to make the painful and difficult decision to shut down our platform for three and a half weeks to fix the error. This felt like a form of death because, over this period, our dependable and loyal customers had to look for alternatives. This was a very tough moment for me, as I knew it would cause problems for our customers. However, it was the right decision to make to ensure the long-term health of our business. I also learned in the process how valuable it was to have committed colleagues who were ready to do whatever it took to ride through the turbulence.


2 Moniepoint's Growth

Moniepoint


Q1: Moniepoint started as a PoS service provider and has now expanded into retail banking. Can you share the strategic thinking behind this transition and what you believe it will bring to the financial landscape in Nigeria?


Our expansion aims to connect businesses and their customers more effectively by enabling the use of the payments, credit, and business management tools that we have already provided for our businesses to grow. Armed with the experience of banking small businesses, we have a very good knowledge of what individuals need, and this move is designed to make it easier for Nigerians to access financial services. Over 33 million Nigerians use our terminals monthly, providing a solid foundation for this development. It’s only fair that we provide our banking services to the customers and employees of these businesses, by providing reliable, best-in-class banking solutions for these personal users. Our industry regulator, the Central Bank of Nigeria has a lofty and admirable goal of achieving 95 percent financial inclusion by 2024. As industry leaders, we see it as a call to duty to help drive forward its accomplishment. Our foray into the personal banking space is about scaling impact, deepening our innovation credentials, and driving financial happiness for the greatest number of Nigerians.


Q2: Moniepoint has achieved remarkable growth, processing $12 billion in monthly transactions for 1.6 million businesses. What key factors do you attribute to this rapid success, and how do you plan to sustain and build upon it?


If I had to distill the factors behind our success, I would pick out three things. First, we have a team of highly talented and experienced professionals who are passionate about our mission. I look at our leaders across the various business segments, and we are blessed with a rich bench of seasoned operators who have an unquestionable passion to power the dreams of others. Second, we are ready to go the extra mile to meet the diverse needs of businesses and consumers. Third, we have a strong focus on customer service and helping people secure their financial happiness. We have thrived by placing these principles at the heart of our approach and will continue to do so to ensure our business goes from strength to strength.


Q3: Expanding into retail banking is a significant move. What are the primary challenges you foresee in this transition, and how do you plan to overcome them?


Financial inclusion is the right of every Nigerian, not a privilege. This has been our mantra and part of what has pushed us into the retail space. We are going to see a lot of diversity in terms of what customers are asking for considering the lack of homogeneity in that space. To meet the challenge, we have clear plans in place to build trust with consumers through our focus on offering an unparalleled service, to comply unwaveringly with all regulations, and to compete with established providers.


3 Leadership Insights:

Tosin Eniolorunda at work

Q1: As a young CEO in a dynamic industry, how do you balance innovation and risk-taking with the responsibility of leading a growing company?


The future is defined by dreamers, innovators, and risk-takers. Dreaming helps to broaden and expand our horizons. Embracing risk allows us to step out of our comfort zone and explore new opportunities. We are also constantly looking for new ways to improve our products and services by generating fresh ideas that will meet the needs of our customers. So, we have a culture that encourages our dream makers to be responsible risk-takers. Our approach to risk-taking involves assessing potential risks, quantifying their impact, and developing contingency plans. It also involves fostering a culture that understands that not all risks will lead to successful outcomes, but even failures can provide valuable lessons for the future.

Q2: Diversity and inclusion are increasingly important in the business world. How do you promote diversity within your organization, and why do you consider it essential for success?


We believe that a diverse workforce is essential for success. We are working hard to deliver on our D&I goals and ambitions. First, we have curated a workplace where everyone feels seen, respected and valued. We have also removed barriers and biases, allowing us to make the most of varied perspectives in our decision-making. We have also seen good traction with our Women in Tech internship, which aims to bring in 5 women into technical roles across the business. I’m proud to say past hires have grown to become solid engineers who are now even leading teams. We also sponsor a lot of training programs that upskill women and the underprivileged as well as our partnerships with universities to train young people in a bid to boost tech talent development in Nigeria.


Q3: In a fast-paced industry like fintech, how do you stay ahead of the curve in terms of technology trends and emerging market opportunities?


Staying ahead of the curve in technology is key to success in this industry. That is why we put our money where our mouth is by investing heavily in research and development. These investments ensure that we are responsive to ever-changing trends and remain competitive in our ability to meet customer demands. We also have our teams work proactively to monitor the latest trends from consumer focus to cyber security and identify new opportunities to capitalize on.


4 Entrepreneurial Advice:

Tosin Eniolorunda at an interview

Q1: The intersection of technology and finance holds tremendous potential for Africa's economic development. How do you envision the role of fintech in shaping the continent's future?

Fintech has a critical role to play in shaping Africa’s future. It helps to promote financial inclusion, enabling Africans to have access to traditional financial services. But our work is far from over as millions more still do not have the same access. Fintech can help to bridge this gap by providing innovative and accessible financial products and services.

What’s more, fintech can turbocharge Africa’s economic development by boosting growth, making it easier for businesses to access capital and invest in their future.

Q2: Many young professionals aspire to become entrepreneurs but may be hesitant to take the leap. What advice do you have for those who are on the fence about pursuing their entrepreneurial dreams?


My advice to young professionals is simple: just do it. Taking the leap in pursuit of your entrepreneurial dreams can feel daunting. But it is one of the most rewarding things you can do.


To those who need advice, I offer these three tips: start small and scale your business gradually, surround yourself with a team of talented and trusted people, and don't be afraid to fail - that is all part of the process of learning and moving forward.


Q3: Beyond business success, what legacy do you hope to leave as a young trailblazer in Africa's entrepreneurial landscape?


I hope to leave a legacy of financial happiness. I want to show young Africans that it is possible to achieve their dreams, no matter where they come from or what their circumstances are. I also want to help create an entrepreneurial ecosystem in Africa where everyone everywhere has the opportunity to succeed.


Tosin Eniolorunda is a leading innovator in the African Fintech space, with a passion for creating financial happiness and a track record of groundbreaking contributions to financial technology in Africa.


Tosin’s vision is to build an impactful financial technology platform that supports the dreams of millions of small business owners while generating annual revenues of more than $1 billion.


He has been recognized by several leading institutions, among them The Central Bank of Nigeria, CB Insights, Endeavor, and PYMNTS, in appreciation for the impact of his work to create innovative solutions.


By. CHINEDU OKAFOR


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Hair vitamins

 

5 Best Hair Growth Vitamins For

 Healthy Hair

Vitamins are equally important for hair growth as they are for other parts of your body. Learn about the most important vitamins for hair and supplements you must try.




Arushi Bidhuri 

PUBLISHED: 24 OCT 2023, 13:30 PM IST
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Bad hair days aren’t exactly anyone’s favourite, and people always dream of luscious, flowing locks. While some hair products might give you a temporary fix, what you really need is to focus on a healthy diet. It might be time to consider that the secret to achieving your hair goals lies within your daily vitamin intake as well. Vitamins play a pivotal role, acting as an essential building block that can help turn dull hair into luscious locks and promote hair growth. If your daily food doesn’t cut it, there are plenty of hair growth vitamin supplements out there you can try.

Vitamins For Hair Growth

Maintaining an overall nutritious diet is crucial to maintaining healthy, luscious locks. Vitamins are also extremely important for growing healthy hair. A study published in the journal Dermatology and Therapy found that a deficiency in vitamins can lead to hair loss, especially vitamins D, A, C, and more. The key is to add the right vitamins to your diet that help promote hair growth.


1.Nutriburst Multivitamin

You can try the Nutriburst Multivitamin Gummies for Health & Vitality which is an amalgam of Vitamins A, B, C, D, E & Biotin. It is sugar-free and vegetarian that promotes hair growth and reduce breakage and promote hair health.


2. B vitamins

B1, B2, B3, B5, B6, B7, B9, and B12 are all a part of B vitamins and important for healthy hair. Studies have shown that a deficiency in B vitamins can lead to problems like hair loss.

One product that promises to be your “good friend if you want to keep your hair healthy” is Himalayan Organics Vitamin B Complex. A premium dietary supplement that offers a comprehensive blend of essential B vitamins. With its potent formula, it promises not just to give you healthy hair, but also to support metabolism, and skin health and promote well-being.


3. Vitamin C

A powerful antioxidant, vitamin C plays an important in the growth of healthy hair. Did you know that it contributes to collagen production, the most abundant protein in your body? It is important to maintain hair health and promote hair growth.


You can try Asterveda Lypo-Spheric Vitamin C Supplements. It comes in a pack of 2 and is gluten-free. Using liposomal technology, they deliver this essential nutrient directly to cells, ensuring maximum absorption. Not just your hair, it also helps boost your immunity, promote skin radiance, and maintain overall health.


4. Vitamin D

Several studies have shown that vitamin D deficiency can lead to hair loss. If you want to promote hair growth and limit hair loss, you should add vitamin D supplements to your diet. A study published in the journal Dermatology Practical and Conceptual found that inadequate levels of vitamin D can lead to hair loss.


Genone E-Gen 400 Vitamin E Capsules may help you get radiant skin, lustrous hair, and a youthful glow. Packed with Vitamin E, these capsules are a potent source of antioxidants, offering protection from promoting hair health and skin health.


(Disclaimer: At Health Shots, we make a constant effort to break the clutter for our readers. All products listed are carefully curated by the editorial team but use your discretion and an expert’s opinion before using them. Their price and availability may differ from the time of publication. If you buy something using these links in the story, we may earn a commission.)

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