Vincent Munderu

Vincent Munderu Finance and Property.
(2)

Faith Kipyegon wins Kenya’s third gold at the World Athletics Championships in the 1500M, finishing in 3:52.15Dorcus Ewo...
16/09/2025

Faith Kipyegon wins Kenya’s third gold at the World Athletics Championships in the 1500M, finishing in 3:52.15

Dorcus Ewoi took silver, while Nelly Chepchirchir finished fourth.

Earlier in my career, I witnessed something that completely changed how I think about management...Back when I was fre...
15/09/2025

Earlier in my career, I witnessed something that completely changed how I think about management...

Back when I was fresh in the industry, I watched two different credit officers handle the same situation.

Here's the background story.

A small-scale trader named Grace hadn't paid her loan for 2 months after her inventory was damaged by flooding in her area.

As a junior staff member, I observed how both approached the situation closely...

OFFICER A (The Boss mindset):

❌ Called Grace during peak business hours, demanding immediate payment ❌ Threatened to blacklist her with credit reference bureaus
❌ Sent debt collectors to her shop, embarrassing her in front of customers
❌ Told other group members "Don't be like Grace - pay your loans"
❌ Focused only on portfolio at risk metrics

OFFICER B (The Leader approach):

✅ Visited Grace's shop to assess the flood damage firsthand
✅ Sat with her to understand her family's situation and remaining stock
✅ Helped restructure her loan with a 2-month grace period
✅ Connected her with the bank's business development training
✅ Introduced her to a supplier who offered credit terms for restocking

The results after 4 months:

👉 Grace (Officer B's client): Cleared her full loan, expanded to 2 additional product lines, referred 5 women to join the bank

👉 Officer A's similar clients: 4 out of 8 defaulted completely, 2 switched to competitors, negative reviews on social media

That's when I realized the difference between managing and leading people.

You see...

When you lead with empathy:

🔸 Trust increases (better long-term collections)
🔸 Word-of-mouth grows your membership
🔸 Default rates actually DECREASE
🔸 Team morale improves significantly
🔸 Community impact multiplies.

So let me ask you...

Do you think showing empathy in credit management makes you WEAK or STRONG?

Does understanding a member's struggles REDUCE your authority or INCREASE your influence?

What approach gets better results in your experience?

Tag someone in who needs to see this story.

Which officer's approach would YOU have taken?

No one is coming to save you.You see...We often wait for opportunities like farmers waiting for rain. But here’s the tru...
15/09/2025

No one is coming to save you.

You see...

We often wait for opportunities like farmers waiting for rain. But here’s the truth:

☔ Sometimes the rain doesn’t come.
🌞 Sometimes the season changes.
🌱 And sometimes, the field you’re watching isn’t even yours to harvest.

So what do the resilient ones do?

They don’t just wait.
They dig wells, plant seeds, and build irrigation systems. They create their own path.

Yes...

Every failed opportunity isn’t rejection.
It’s redirection.

The leaders who rise aren’t the ones waiting by the door… they’re the ones building it.

So if the opportunity doesn’t knock, build the door.
nd when you do, you also build the courage to walk through it.

Now tell me: What’s one “door” you built for yourself when no opportunity was in sight?

Happy new week!

15/09/2025

Good morning, dear friends...
May you have a great week ahead.

UNANIMOUS DECISION 🏆TERENCE CRAWFORD BEATS CANELO ALVAREZ TO BECOME THE UNDISPUTED SUPER MIDDLEWEIGHT CHAMPION 🔥
14/09/2025

UNANIMOUS DECISION 🏆

TERENCE CRAWFORD BEATS CANELO ALVAREZ TO BECOME THE UNDISPUTED SUPER MIDDLEWEIGHT CHAMPION 🔥

10/09/2025

Budgeting is painful because it reveals your financial constraint. It clearly shows you what you cannot afford! 😎

09/09/2025

Land is an illiquid asset

No matter how prime the location is, you can’t sell it overnight when you’re in a financial emergency

That’s why you need a mix of assets in your portfolio:

✅ Land—for long-term growth

✅ MMFs—for liquidity

✅ SACCOs—for disciplined saving & cheaper loans

✅ T-Bonds—for regular income

✅ Stocks—for capital growth

This is saddening….For the ninth consecutive year, Kenya’s microfinance institutions are making losses.The numbers are s...
08/09/2025

This is saddening….

For the ninth consecutive year, Kenya’s microfinance institutions are making losses.

The numbers are staggering, and they tell a story we can't ignore:

💔 KSh 3.5 BILLION in losses for 2024
💔 Only 4 out of 14 licensed MFBs turned a profit
💔 3 bank accounts for 88% of ALL sector losses

The Big Three Loss Leaders:

🔸 KWFT: -KSh 1.64B
🔸 Faulu: -KSh 1.04B
🔸 SMEP: -KSh 409M

Meanwhile, the profit champions kept it modest:

🎯 Choice Bank: +KSh 66M
🎯 Caritas: +KSh 50M
🎯 Sumac: +KSh 5M

You see…

Microfinance banks are selling off loan books to commercial banks just to stay afloat.

Rising defaults, shrinking deposits, and fierce competition from bigger players are crushing this sector.

But here's what haunts me:

These institutions were designed to serve the unbanked, the small business owner, and the mama mboga who dreams of expanding her stall.

When MFBs fail, who fills that gap?

Is this the natural evolution of financial markets, or are we witnessing the death of grassroots banking in Kenya?

What's YOUR take on the microfinance shake-up?

Are we heading toward a future where only the big banks survive?



Data Source: Central Bank of Kenya, Kenyan Wall Street

𝐓𝐢𝐦𝐞 is the currency of life.When you squander it, you attract 𝗽𝗼𝘃𝗲𝗿𝘁𝘆 in all its forms.𝐕𝐚𝐥𝐮𝐞 every moment, for it holds...
08/09/2025

𝐓𝐢𝐦𝐞 is the currency of life.

When you squander it, you attract 𝗽𝗼𝘃𝗲𝗿𝘁𝘆 in all its forms.

𝐕𝐚𝐥𝐮𝐞 every moment, for it holds the key to a prosperous future.

Have a blessed week ahead!

07/09/2025

“Trust in the Lord with all your heart and lean not on your own understanding.

In all your ways acknowledge Him, and He will make your paths straight.”

Prov 3:5.

Here are three lessons I've learned from this powerful verse:

🔷Faith over Fear → Trusting in a higher power gives us the courage to face challenges.

🔷Humility → We don’t have all the answers; it’s okay to seek guidance.

🔷Direction → When we acknowledge our limits, we open ourselves to better paths.

What strategies do you use to keep faith and resilience in your daily life?

05/09/2025

'A grateful society is a growing society.'- Joshua Selman.

BREAKING NEWS.From today (September 1, 2025), the Central Bank of Kenya is flipping the script on how loans are priced.F...
01/09/2025

BREAKING NEWS.

From today (September 1, 2025), the Central Bank of Kenya is flipping the script on how loans are priced.

Forget the old system.


Now it’s all about KESONIA – the Kenya Shilling Overnight Interbank Average.

And here’s the new formula:

KESONIA + Premium (K) + Fees & Charges = Your Loan Cost.

Why it matters:
✅ Borrowers finally see exactly what makes up their rate.
✅ Banks must publish their numbers openly.
✅ Kenya locks into global best practices.

If you already have a variable loan, the change hits you on Feb 28, 2026.

Listen.
This isn’t a small tweak.

It’s a new era of transparency in lending.

👉 Question for you:
Does this shift put power back in the borrower’s hands…
or just make the pain clearer?

Address

Maragwa

Website

Alerts

Be the first to know and let us send you an email when Vincent Munderu posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category