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| Articles & Case Studies |  |  | The Pursuit Of Financial Freedom
By: Rina Karina, 2 Apr 08
In reading the history of nations, we find that, like individuals, they have their whims and their peculiarities; their seasons of excitement and recklessness, when they care not what they do. We find that whole communities suddenly fix their minds upon one object, and go mad in its pursuit; that millions of people become simultaneously impressed with one delusion, and run after it, till their attention is caught by some new folly more captivating than the first. We see one nation suddenly seized, from its highest to its lowest members, with a fierce desire of military glory; another as suddenly becoming crazed upon a religious scruple, and neither of them recovering its senses until it has shed rivers of blood and sowed a harvest of groans and tears, to be reaped by its descendants, sites Charles Mackay in his book Memoirs of Extraordinary Popular Delusions. This is the madness of crowds. | | | Raising a Money-Savvy Child
By: Rina Karina, 2 Apr 08
Long before most children can add or subtract, they become aware of the concept of money. Any 4-year old knows where their parents get money - the ATM of course! I got a friend to help me quiz some children between 5 & 6 years in his Sunday School class. 30% said they didn’t know where money came from. The remaining 70% gave the following answers to the question “where does money come from?” | | | Baring Out The Logic Of Equity’s Growth
By: Rina Karina, 2 Apr 08
Equity Bank’s total income compounded annual growth rate of 193% per annum over the last five years has astounded many. From gutter press articles, S.K. Patels and phantom employees raising alarms of an impending collapse, to parliamentarians putting forward accusations that have had no basis. In July this year, the Central Bank of Kenya (CBK) Governor, Prof Njuguna Ndung’u advised the public that an audit of Equity Bank had been carried out and CBK was satisfied with the financial strength and stability of Equity Bank and all other banks currently operating in the market. Yet many continue to allege various improprieties against Equity. | | | Effects of the political crisis on the Economy
By: Rina Karina, 2 Apr 08
The past two decades to about 2003 saw Kenya slide systematically into the abyss of underdevelopment and hopelessness. Poverty increased, unemployment became rampant, insecurity visited almost every homestead, hunger was prevalent among the poor, and the health condition of the people declined significantly. Corruption, insecurity and political infighting, high level of unemployment were issues we faced everyday. | | | Kenya Has Slipped, It Can Rise Again
By: Central Bank, 2 Apr 08
Against the backdrop of vibrancy last year, the economy has opened the year with shaken confidence. But if a survey was carried out today seeking to know the perception of Kenya's economy outlook after what the country has gone through, the bet will be that majority of Kenyans will say Uchumi wa Kenya imeteleza lakini hautaanguka. Most Kenyans exude this confidence and there are fundamental reasons for that, but this does not mean that there are no challenges. This note tries to disentangle the fact and predict the direction the economy will take once confidence returns to the economy | | | Personal Finance
By: Rina Karina, 2 Apr 08
Sometime this year after I made a presentation on the stock market to some 200 or so men, I got a question from one of them asking how I could talk about investing money when a lot of Kenyan’s lived from hand to mouth. He said that the average Kenyan’s concern, was not stocks, bonds, etc but where their next meal would come from. His comment saddened me a great deal as it made me realise that a lot of Kenyans don’t think about saving as a necessity but rather an activity carried out by the wealthy. | | | Double your Money in 9 weeks!
By: Rina Karina, 11 Apr 07
The last couple of months have been interesting in the Kenyan financial arena, with individuals having reported gains of 200% to 350% in just 9 weeks through various investment schemes while others have lost about 50% in their investments at the Nairobi Stock Exchange. This has driven a lot of retail investors to sell off their shares in order to take advantage of these schemes giving phenomenal gains. Several schemes have popped up in every corner of the country promising above normal returns. | | | Investing in Shares
By: Rina Karina, 2 Feb 07
The most frequently asked question by potential stock market investors is "what is the best stock to buy". This article is aimed at demystifying the stock market and providing a foundation for investment knowledge for those who are new to the stock market. | | | Investing in Banking Stock: What you need to know
By: Rina Karina, 2 Feb 07
It is important to invest in a company only when you're absolutely certain you understand the business and sector within which it operates. Basically if you cannot see where the profits are coming from, don't invest. |
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