Kayof Training and Business Consultants

22/09/2025

💡 7 Timeless Rules of Money That Build Wealth (Not Just Income)

Building lasting wealth isn’t about luck—it’s about discipline, strategy, and consistent habits. Here are seven principles that stand the test of time:

1️⃣ Spend less than you earn → Live below your means to create margin.
2️⃣ Save first, spend later → Pay yourself first. Automate it.
3️⃣ Avoid bad debt → Debt that drains you ≠ debt that builds assets.
4️⃣ Invest to grow your money → Make your money work for you.
5️⃣ Protect your money from risks → Insure what matters. Diversify.
6️⃣ Keep learning about finances → Knowledge compounds like money.
7️⃣ Be patient and consistent → Wealth is a marathon, not a sprint.

Which rule resonates most with you? What would you add to the list?

21/09/2025

🌍 18 Benefits of Having a Port for Landlocked Countries like Ethiopia 🚢

For landlocked nations, access to the sea is more than trade—it represents sovereignty, security, and sustainable growth. Ethiopia, with its fast-growing economy and a population of about 130 million people, could unlock transformative opportunities by securing direct port access.

1️⃣ Reduced trade and transport costs
2️⃣ Faster export and import processes
3️⃣ Increased competitiveness of exports
4️⃣ Attraction of foreign investment
5️⃣ Revenue generation from port services
6️⃣ Greater national sovereignty
7️⃣ Less dependence on neighboring countries
8️⃣ Stronger bargaining power in regional trade
9️⃣ Enhanced regional influence
🔟 Expansion of transport and infrastructure networks
1️⃣1️⃣ Growth of logistics hubs and industrial zones
1️⃣2️⃣ Access to fisheries and marine resources
1️⃣3️⃣ Job creation across multiple sectors
1️⃣4️⃣ Lower cost of imported goods
1️⃣5️⃣ Development of workforce skills in maritime and logistics industries
1️⃣6️⃣ Improved food security
1️⃣7️⃣ Faster humanitarian aid and emergency response
1️⃣8️⃣ Long-term economic transformation and resilience

✅ In negotiations, a port is not just a gateway to the sea—it is a strategic asset that can redefine Ethiopia’s future.

17/04/2025

Customer Relationship Management: More Than Just a System

In today’s competitive banking environment, building strong, lasting customer relationships isn’t optional—it’s essential.

Over the years, I’ve learned that successful CRM isn't just about using software to track customer data. It's about creating a culture of care, where each customer interaction—online or in-person—is seen as an opportunity to build trust and add value.

At Awash Bank, I’ve seen firsthand how aligning CRM tools with personalized service can transform the customer experience. By truly understanding client needs and consistently delivering on promises, we turn one-time visitors into lifelong clients.

As a Customer Service and Operations Manager, I believe that relationships are the foundation of everything we do. Let’s continue to innovate, listen, and lead with empathy.

How is your organization strengthening its customer relationships this year?

16/04/2025

Every expert was once a beginner. This little one reminds us that success doesn't come from being perfect—it comes from having the courage to try, fall, and try again.

In our careers, businesses, and personal growth, it's not about avoiding mistakes. It's about taking that first step, no matter how shaky it may be.

Let’s celebrate progress, not perfection.

=============================

ሁሉም ባለሙያ ከመጀመሪያ ጀምሮ ከፍጹምነት አልጀመረም። ይህ ሕፃን ለእኛ የሚያሳየው ነገር፣ ስኬት ከትክክልነት አይመጣም — መሞከር፣ መውደቅ እና እንደገና መነሳት የሚፈልግ ድፍረት ነው።

በስራችን፣ በንግድና በግል እድገታችን ውስጥ፣ አስፈላጊው ስህተቶችን ማስቀረት አይደለም። ነገር ግን ማንኛውም ሁኔታ ቢኖር የመጀመሪያውን እርምጃ መውሰድ ነው።

ከፍጹምነት በላይ እንቅስቃሴን እናክብር።

==============================

Ogeessi kamiyyuu yeroo jalqabaatti kan fiixa ba'e miti. Mucaan xiqqaan kun: milkaa’inni sirrii ta’uun osoo hin taane, yaaluun, kufuun, deebisanii ka’uun jabaachuun akka barbaachisu nu yaadachiisa.

Hojii keenya, daldalaa fi guddina dhuunfaa keessatti kan barbaachisu dogoggora irraa of qusachuu miti. Garuu, haala kam keessattuu tarkaanfii jalqabaa fudhachuun murteessaa dha.

Guddina haa kabajnu – sirrii ta’uun qofa osoo hin taane tattaafachuun/carraaquun/sosochiin.

11/02/2025

Hojjettoota Baankii irraa

Dhimmi Rakkina yeroo kana Hojjettoonnii mana Baankii Biyya Itoophiyaa keessa jiran hubachiisuu ilaallata

Akka biyya keenyaatti dhaabbanni namni barnoota Dinagdee (business) barate kamiyyuu filatuu fi iddoo kana yoo hojjenne fayidaanis irraa argama jedhamee yaadamu keessaa isa jalqabaati.

Haa ta'u malee, yeroo kanatti hojjettoonni baankii rakkina keessa galaa akka jirruufi lammii nuuf birmatullee akka dhabnee yoo ta'u kana booda garuu, hundinuu akka nuuf hubatu barbaanna.

Nuti hojjettoonni Baankii ga'ee hojii nuuf kenname boqonnaa tokko malee hojii dabalataa kan biraa osoo hin qabaanne umrii keenya kenninee dadhabbii guddaadhaan maatii keenyallee yeroo itti dubbisnu osoo hin qabaanne hojjennee 'Industry' kana guddisaa kan jirru yoo ta'u, miindaa nuti arganne baasii qabnu cufee nu jiraachisuu hin dandeenye. Karaa nama keessa hin jirreetiin yoo yaadamu immoo maallaqaa gaarii argannee jireenya gaarii waan jiraannu itti fakkaachuu danda'a.

Amma dhimmi ijoon nuti akka lammiileen nuuf beekan barbaanne, faayidaan nuti baankii keessa hojjechuudhaan argannu liqii dhala gadi aanaadhaan fudhannee mana yookiin konkolaataa bitannee gatii qabeenya liqiidhaan argame sanaa waggaa 25f kaffalaa jiraachuudha. Osoo kanaan jirruu, dhuma bara 2023 irraa jalqabee Mi'aayina jireenyaa hir'isuuf jecha baankiin biyyoolessa Itoophiyaa akka liqiin hin kennamne dhorke. Yeroo sanaa jalqabee liqiin hojjettoota Baankiif haala duraan tureen kennamu ni hafe.

Dubbiin ijoon akka nuuf hubatamu barbaannu amma mootummaan warra duraan liqii fudhaterratti ''Discounted Interest Loan Fringe Benefit Tax'' Jechuudhaan Sababa liqii dhala gadi aanaadhaan fudhanneef Taaksii hanga miindaa keenya Dhibbeentaa kudhanii kaffaluu akka qabnu murtaa'ee haal-duree tokko malee taaksii duraan kaffallu irratti dababalataan nurraa hir'isaa jiru. Gochi kun ammoo jireenyi ittumaa akka nutti mi'aawuu fi abdii kutannaan seektara kana keessatti akka uumamu kan godhuu fi fedhii ogummaa kana qabachuuf barbaadamaa ture kan gadi buusudha. Kanaafuu dhimma kana hawaasni biyya keenyaa beekee nubukkee dhaabbachuu akka qabu mootummaanis yoo iyya uummatasaa dhaga'a ta'e tattaaffii nuti jiraachuuf goonu fuuldura akka hin dhaabbanne barbaanna waan ta'eef waliif dabarsaa qaama ilaallatu biraan nuuf ga'aa!

05/02/2025

08/12/2022

Baga gara qabsootti deebite, Caalaa Bultumee.

DHUGAA KANA FUDHADHAA!

"Qurxummii xixiqqoon Qurxummii Gurguddaaf nyaata" jedhama.
Biyya kanatti Oromoon Diinagdee irraa barootaaf dhiibameera, ammas tooftaa biraa ittiin Oromoo diinagdeerraa dhiiban argataniiru fakkaata, sochii duula Dr Abiyy Ahimad malaammaltummaa irratti jalqabe keessa dhokatanii ijoollee Oromoo reefu diinagdee keessatti wirwir jechuu jalqabde hidhaatti guuraa jiru, hanga yoonaatti hattoonni biyya qorqanii nyaataniifi Faanoo hidhachiisanii Oromoo qe'ee isaarratti ajjeesisan seeraaf hin dhiyaanne, biyya hattuun kaazinaa Baankii biyyooleessaa duwwaa godhe laphee dhiibee jiraatu keessatti dubartii Oromoo biyya Arabaatti carraaqqattee maallaqa argatteen saba ishee gargaartu lafa caraqaa qabattee jedhanii malaammaltumnaan hidhuun duula malaammaltummaarratti godhamu osoo hin taane qoosaadha.

balleessuuf malaammaltummaa biroo raawwachuun yakka.

GAAFFIIN BARATAA OROMOO FI QEERROO OROMOO SIRRIIDHA!!!

TBE