White Paper
Twende Twende: What ails Kenya’s Business Landscape
Context
"‘Mgeni Njoo, Mwenyeji apone’ is a proverb deeply ingrained in Kenyan culture, symbolizing the immense relief felt by hosts when visitors arrive. In Kenya, families extend the warmest of welcomes to their guests, offering unparalleled hospitality and top-notch services. It is not uncommon to find specially designated cutlery for visitors in numerous Kenyan households, exemplifying the spirit of hospitality that permeates our thriving tourism sector.
A simple Google search on Nairobi paints a vivid picture of a bustling metropolis adorned with towering skyscrapers and burgeoning tech startups, attracting investments worth millions of Kenyan shillings. Amidst the scorching sun, the streets teem with hawkers who tirelessly ply their trade at bus stops and residential areas, ensuring they sell something to anyone before calling it a day. Mahindi choma, mtumba, and an array of other vendors contribute to the vibrant street life of Nairobi.
Depending on one's interests, Nairobi reveals different facets to its visitors. Returning to the proverb of visitors and hosts, it is worth noting that visitors often bring gifts, particularly international players who arrive in Kenya bearing valuable offerings. Beyond direct investments, these visitors foster a sense of global interconnectedness, inspiring Kenyans to dream big and tap into the international market. They encourage Kenyans to leverage their assets, acquire knowledge, amass wealth, and pursue various endeavors.
Among the gifts bestowed upon Kenyans are mobile phones and access to the internet. Companies such as Safaricom, Airtel, and Telkom strive to provide fast and affordable internet connections to citizens, tailoring tariffs and bundle packages to enable even the average mwananchi to access the online world. Notable plans like "HOOK" by Safaricom, "Amazing Data" by Airtel, and various bundles like Tik Tok bundles have made it possible for Kenyan citizens to engage with social media and the internet through their mobile devices.
In 2021, the Kenya Time Use Report, compiled from a survey conducted by the Kenya National Bureau of Statistics, revealed a concerning trend. According to John Mutua's report in the Business Daily, the report indicated that the active labor force in Kenya spends an additional 16 hours of their day on non-productive activities. This unfortunate reality deprives many households of the opportunity to improve their financial health.
When we consider that a day consists of 24 hours, with at least 5 hours dedicated to sleep and additional time spent on preparing for the day, the remaining hours available for productive work are significantly reduced. Essentially, this means that Kenya is a country filled with individuals who have dreams locked in their minds, yet fail to take action due to laziness.
It begs the question: what are we doing with the technology available in our country? Are smartphones merely tools for posting food and party deals? Or are we utilizing technology to enhance our lives and the lives of fellow Kenyans? Do we take these advancements for granted and complain about what doesn't work? It is crucial to recognize that it is up to us, as Kenyans who understand the problems at hand, to develop local solutions for local issues.
In this modern era, access to the internet has become a basic necessity as the world increasingly migrates into the digital space. Need directions? Google Maps has got you covered. Feeling hungry and craving a snack? Glovo is at your service. The list goes on, with platforms like Jumia, Copia, Uber, Little, and Bolt, all benefiting from internet access and the widespread availability of mobile smartphones. It is worth noting that just a decade ago, smartphones were a luxury reserved for a select few. I vividly recall my business teacher being the only one who owned an IDEOS smartphone, and this starkly contrasts with the present, where almost everyone, or at least the majority, owns a smartphone, and even kaduda’s have access to the internet
No Kenyan has developed these gadgets; however, our visitors bring these gifts, sharing with us the technology and philosophy behind their creation. Kenyans often feel relieved when comparing themselves to neighboring countries like Uganda and Tanzania. Nevertheless, a fundamental question remains: How are we utilizing this technology when we spend 16 hours engaging in unproductive activities?
During the 2022 general election, there was a widespread consensus on the "Bottom Up" approach, aimed at empowering the common Mwananchi to access a better quality of life. This philosophy, championed by the victorious candidate, Dr. William Ruto, focuses on addressing the needs of ordinary citizens, such as increasing household income, reducing the growing income inequality gap, tackling unemployment, and resolving other issues afflicting our nation.
While promises were made, it is crucial to delve into the significance and potential far-reaching impacts of Dr. William Ruto's philosophy. On one hand, relying solely on politics to solve our country's problems is akin to playing a guitar for a goat. On the other hand, some politicians do possess intelligent ideas, and Ruto's philosophy deserves careful analysis. Undoubtedly, philosophers have shaped the world through their morals and ideologies, leading to the assertion that the "Bottom Up" philosophy is precisely what our country needs to break free from the chains of poverty.
As a philosophical ideology, Bottom Up champions entrepreneurship, where individuals known as 'Hustlers' strive to make ends meet. When examining classism and the development of societal classes, Hustlers find themselves at the bottom of the pyramid, representing the working class with just enough to sustain their daily needs, but lacking any savings for their future. These hardworking individuals can be observed as street vendors, selling items such as roasted corn (mahindi choma), while some of them, who enjoy slightly higher incomes, own stalls and shops within their local communities, engaging in business activities.
In this philosophical framework, the emphasis lies on empowering these Hustlers, recognizing their determination and resilience in the face of economic challenges. They embody the spirit of entrepreneurship, as they navigate the complexities of survival and strive to improve their circumstances.
Hustlers, often referred to as Mwananchi, symbolize the backbone of our society. Their unwavering commitment to providing for themselves and their families is a testament to their indomitable spirit. Despite their limited resources, they exhibit resourcefulness and creativity, transforming humble street corners into bustling marketplaces.
Kenya’s Informal Sector
The (Hustler) informal sector in Kenya, according to Kenya Bureau of Statistics, employed approximately 15.96 million individuals in 2022, accounting for over 83 percent of the total workforce in the country. Service activities dominated the informal sector, with 9.32 million individuals engaged in wholesale and retail trade, hotels, and restaurants. Manufacturing followed closely, providing employment for around 3.18 million Kenyans.
Kenya's urban informal economy encompasses individuals working in unregistered enterprises, including informal traders and artisans who produce goods and services for the market. As of 2019, there were nearly five million informal enterprises in Kenya, primarily concentrated in urban areas. Wholesale and retail trade, along with the repair of motor vehicles and motorcycles, constituted the majority of these informal establishments, accounting for over 60 percent.
The informal sector plays a crucial role in job creation in Kenya. In 2019 alone, it generated approximately 768 thousand new jobs, compared to the formal sector. Consequently, informal businesses have become the primary entry point into the labor market for young Kenyans. In 2019, individuals aged 18-34 years constituted the majority of employees in informal enterprises, with a nearly equal representation of men and women.
There is a significant presence of business people (wanabiashara) in our society, which reflects a burgeoning entrepreneurial spirit reminiscent of Dr. Ruto's visionary ideology. According to his philosophical beliefs, individuals striving to succeed must reclaim our nation and utilize its resources to establish businesses, thereby generating employment opportunities for fellow Kenyans. This collective effort will ultimately lay the foundation for a prosperous Kenya.
Dr. Ruto's historical background, particularly his close association with former President Daniel Arap Moi, is worth examining. During that era, Kenya's economic landscape bore similarities to the present, and it was the relentless efforts of numerous 'hustlers' that propelled the country to its current standing.
Rags to Riches
Everyone is captivated by extraordinary stories that inspire and remind us that anything is possible. In the United States, this concept is encapsulated in the renowned 'American Dream,’ which holds that anyone with a vision and unwavering dedication can attain their heart's desires.
For those who may not be familiar with this concept, it is essential to understand that the philosophy of the American Dream is deeply rooted in the country's cultural fabric, shaped by its relentless pursuit of progress. Following the devastating Civil War, akin to Kenya’s own fight for independence, Americans aspired to establish themselves as global players, on par with nations like Britain and France.
Fortunately, the Americans had access to a wealth of knowledge from Europe and Asia, as well as ancient scrolls from across the globe. This invaluable information served as a foundation upon which they could construct their nation, drawing inspiration and guidance from diverse sources.
During the period of reformation in America, many individuals chose to embark on various initiatives, with some opting to become inventors. Among these remarkable inventors, George Washington Carver stands out as a true visionary ahead of his time. Carver, an agricultural scientist and inventor, revolutionized the use of peanuts, sweet potatoes, and soybeans by developing hundreds of innovative products. It is worth noting that contrary to popular belief, Carver did not invent peanut butter, as often claimed.
Born into slavery before its abolition, Carver displayed an unwavering determination to pursue education from a young age. His relentless pursuit of knowledge led him to Iowa State University, where he earned a master's degree in agricultural science. Carver's remarkable journey and contributions to the field of agriculture have left an indelible mark on history.
According to historical accounts, Carver's groundbreaking work with peanuts, sweet potatoes, and soybeans revolutionized the agricultural industry. His innovative approach and scientific expertise allowed him to develop a wide array of products that had previously been unimaginable. Carver's inventions not only transformed the way these crops were utilized but also had a profound impact on the economy and the lives of countless individuals.
What about in Kenya? Do we have a philosophy? One that pushes people to make great things like George Washington Carver?
The second president of Kenya has passed away, leaving behind a legacy known as Nyayoism. This philosophical movement gained notoriety during his tenure. One particularly interesting aspect of Nyayoism, as highlighted by Doubghlas Baraka in his article on Fika Kenya, is the loyalty pledge.
Who doesn’t remember; “I pledge my loyalty to the president and the nation of Kenya: My readiness and duty to defend the flag of our republic: My devotion to the words of our national anthem: My life and strength in the task of our nation’s building: In the living spirit embodied in our national motto – Harambee! And perpetuated in the Nyayo Philosophy of peace love and unity,” Nyayoism in action?
Daniel Arap Moi (1924 – 2020), the second president of Kenya, authored a significant book titled "Kenya African Nationalism: Nyayo Philosophy and Principles." In this remarkable work, he eloquently articulated his visionary ideas for the nation, many of which are reflected in the Kenyan pledge. The pledge embodies a profound sense of patriotism, fostering a collective commitment to the growth and development of both the nation and its people. It exemplifies a resolute determination to go to any lengths for the betterment of the country, while also emphasizing the importance of mutual support and collaboration among its citizens. In a nutshell, Moi’s work focuses on;
1. African socialism: defined as a socio-economic development model deeply rooted in African values and traditions, such as communalism, cooperation, and self-reliance. Akin to Moi, who firmly rejected both capitalism and communism as foreign and exploitative systems, African socialism was the solution to create a new society that stood out from the colonial society. African socialism would be devoid of racism, oppression, and other social injustices.
2. Pan-Africanism: A movement striving to unite and liberate all African people from the shackles of colonialism, neo-colonialism, and racism. Moi ardently advocates for a Continental Union of African states, fostering political, economic, and cultural integration.
3. Nation-building: A process aimed at forging a robust and cohesive national identity that transcends ethnic, religious, and regional differences. Moi underscores the imperative of love, unity, the Harambee spirit (pulling together), and a one-party system as the means to achieve national cohesion and stability.
4. Rural development: A paramount area of social and economic progress that concentrates on enhancing the living conditions and productivity of the vast majority residing in rural areas. Moi introduces the District Focus Strategy and the Decade of Women as policies and programs designed to empower and uplift the rural masses.
Many individuals who grew up during the Moi Era have fond memories of the milk program. However, what may not immediately come to mind is the government's strong commitment to providing its citizens with access to education and encouraging them to utilize it for the betterment of society. Just like George Washington Carver and countless other inventors, education played a pivotal role in their success.
From the very beginning, education has held immense significance in Kenya, to the extent that free education became a reality for all students. This initiative has particularly benefited those from disadvantaged backgrounds, equipping them with the necessary tools to secure a livelihood and create opportunities not only for themselves but also for fellow Kenyans, Africans, and the global community.
In recent times, the principles of Nyayoism have resurfaced through the #BottomUp political campaign, which has gained popularity under the leadership of Dr. William Ruto. As a close associate of the late president and the current fifth president of Kenya, Dr. Ruto has embraced the ideals of Nyayoism, emphasizing the importance of uplifting the less privileged and empowering them to thrive.
Twende Twende: Kwenye Miti Lazima Kuwe na Wajenzi
The subtitle above stems from a Swahili proverb that says “Kwenye Miti Hakuna Wajenzi” to mean “Where there are trees, there are no builders”: and the contrast is what’s needed to understand Kenya’s irony.
According to data published by UNESCO in 2023, the adult literacy rate in Kenya stands at an impressive 81.53%. This means that more than four out of five adults in Kenya possess the ability to read and write. It is worth noting that the male literacy rate surpasses that of females, with 84.99% of males being literate compared to 78.19% of females.
Over the past few years, Kenya has witnessed a steady increase in its adult literacy rate, reaching 82.62% in 2021. However, it is crucial to acknowledge the existence of regional disparities in literacy levels, with urban areas boasting higher rates of literacy compared to their rural counterparts.
Returning to the proverb, it is indeed accurate to assert that if a population becomes accustomed to indulging in luxuries such as utilizing social media solely for entertainment purposes, the technological influence of social media on that particular group, in this case Kenya, will result in a staggering 16 unproductive hours per day. While this may appear to be a sweeping generalization, it is the resurgence of Nyayoism cleverly disguised as the Bottom Up approach that empowers us to make such a claim. This is primarily due to the fact that our nation, akin to other countries worldwide, has long been ensnared in a middle-class state, impeding progress towards a higher socioeconomic status.
As Hansen and Ndungu report in “Tackling inequality key to Kenya's transition to upper-middle-income status” the country is plagued by three challenges; productivity, equity, and resilience. Keith Hansen, World Bank Country Director for Kenya, Somalia, Rwanda and Uganda, offers a guideline that could be used by Kenya to help it transition to the next level while tackling the problems he addressed.
From a statical point of view, Kenya’s informal sector drives the country’s economy and this could be attributed to the country’s growing concern to bridge the income-wealth gap. Kenya has implemented a range of initiatives to foster job creation within the private sector. These initiatives encompass:
1. Covid-19 Resilience and Recovery Program for Businesses: This program aims to provide support to businesses that have been adversely affected by the pandemic.
2. Kenya Youth Employment and Entrepreneurship Acceleration Program (K-YEEAP): This program seeks to bolster demand-driven vocational and technical training, on-the-job learning, and the provision of genuine employment opportunities for both youth and women. Additionally, it aims to expedite the adoption of digital technologies as a means of generating jobs and driving economic transformation.
3. Investment in infrastructure: Kenya is making substantial investments in infrastructure development to establish an environment conducive to private sector growth. The World Bank Group has contributed $90 million to initiate Kenya's public-private partnership (PPP) programs. Consequently, this has led to the enactment of a new PPP law, enhanced government capacity to manage PPPs, and the creation of a robust pipeline of projects in areas such as roads, healthcare, and water and sanitation. These endeavors will significantly advance Kenya's social and economic objectives.
4. Capital market reforms: Private sector investment is being stimulated through capital market reforms and initiatives targeting institutional investors, such as the Kenyan Pension Funds Investment Consortium.
5. Industries Without Smokestacks (IWOSS): Kenya is also prioritizing the removal of barriers to IWOSS in order to catalyze job creation for the youth. The IWOSS sectors encompass a wide range of industries, including financial services, horticulture, information and communication technology (ICT), tourism, transit trade, and wholesale trade.
Also, Kenya has implemented a range of social protection programs to address the prevailing inequalities within the country. These programs are designed to provide support and assistance to various vulnerable groups. Let's take a closer look at some of these initiatives:
1. The National Safety Net Program stands as a significant milestone in Kenya's efforts to combat inequality. This program ensures that funds are disbursed directly in accordance with specific program results. Building upon the successes of the existing Investment Project Financing (IPF) in Kenya, the National Safety Net Program has successfully harmonized policy and program delivery through a consolidated strategy adopted in 2016. This strategy allows for the utilization of streamlined targeting tools, efficient payment systems, and effective grievance management. The establishment of a dedicated Social Assistance Unit (SAU) under the State Department of Social Protection has further contributed to reducing fragmentation and enhancing operational efficiency. Additionally, the implementation of consolidated management information systems for three cash transfer programs has facilitated the use of technology for program administration and fiduciary oversight, ensuring transparency and accountability. The introduction of a consolidated Grievance & Case Management system, supported by a Beneficiary Outreach Strategy, has resulted in an impressive 80% satisfaction rate among beneficiaries in 2018.
2. Another noteworthy initiative is the introduction of a universal social pension for individuals aged 70 and above. This pioneering scheme is the first of its kind in the East African region, demonstrating Kenya's commitment to providing comprehensive social support to its elderly population.
3. In addition to the universal social pension, Kenya has also implemented targeted social assistance programs to cater to specific vulnerable groups. These programs extend support to orphans, households affected by drought, and individuals with severe disabilities. In 2019 alone, these targeted programs reached an impressive 1.2 million households, providing them with the necessary assistance and resources they require.
4. The Inua Jamii Cash Transfer Program is designed to offer financial assistance to older individuals, persons with severe disabilities, as well as orphans and vulnerable children. Through this program, cash transfers are provided to support their well-being and improve their quality of life.
5. Additionally, the Hunger Safety Net Program aims to alleviate poverty and vulnerability among households residing in the arid and semi-arid lands of Kenya. This initiative provides cash transfers to those who are considered poor and vulnerable, ensuring their basic needs are met and enhancing their resilience in the face of challenges.
The Kenyan government is making every effort to address the income-wealth disparity. However, ultimately, it is up to the Kenyan people to seize these opportunities and uplift themselves and their fellow citizens.
Huyu ni Mjenzi, Je wewe?
Who has ever travelled using Ena Coach buses?
Evans Anyona Nyagaka is a highly accomplished entrepreneur hailing from Kenya. His journey is a testament to the power of determination and hard work, as he rose from humble beginnings in Riabigutu village, Kisii County. Tragically, he lost his father at a tender age, leaving him to be raised by his single mother. Despite these challenges, Nyagaka's unwavering spirit propelled him towards remarkable achievements.
Nyagaka's entrepreneurial prowess spans across various sectors, showcasing his versatility and adaptability. He began his journey with small-scale farming, cultivating maize, rearing chickens, and growing pyrethrum. During a severe drought, he astutely sold these products at high profits, demonstrating his keen business acumen even in the face of adversity.
Expanding his horizons, Nyagaka ventured into the matatu business, initially operating a fleet of Nissan buses. With time, he transformed this enterprise into Transline and Transline Classic, renowned for their comfortable and popular buses that served the Nairobi-Kisii route. This expansion not only solidified his position in the transportation industry but also earned him a reputation for providing exceptional service to his customers.
Nyagaka's entrepreneurial journey did not stop there. He established his own company, ENA Coach, which now boasts a fleet of over eighty buses operating across all counties in Kenya. This remarkable feat is a testament to his unwavering determination and relentless pursuit of success.
Despite his remarkable achievements, Nyagaka remains grounded and prefers to keep his family matters private. This humility and dedication to his loved ones further exemplify his character and values.
How many employment opportunities has Ena Provided?
As you contemplate this notion, it becomes apparent that Evans, a man well into his fifties, is undoubtedly a product of Nyayoism. Has he not assisted fellow Kenyans in putting food on their tables each night, enabling fathers, mothers, and siblings to contribute to their household income while pursuing his own entrepreneurial endeavors?
The answer is clear, and it is precisely what 'Twende Twende' aims to convey. It serves as a reminder to all Kenyans that we must take responsibility for resolving the challenges we face, as the government can only do so much. While it can engage in negotiations with the World Bank for infrastructural development, it is unrealistic to expect the government to launch businesses that would employ the millions of educated Kenyans who are currently idle on social media.
The charts illustrate that the majority of Kenyans utilize Android 9 and newer operating systems, which are found in smartphones priced at a minimum of fifteen thousand Kenyan shillings. Additionally, the preferred social media platform among Kenyans is Facebook, as indicated by statistics gathered from January 2021 to December 2022.
In terms of smartphone usage, it is evident that a significant portion of the Kenyan population opts for Android 9 and above operating systems. These advanced systems are typically found in smartphones that are priced at no less than fifteen thousand Kenyan shillings.
Furthermore, when it comes to social media engagement, Facebook emerges as the preferred platform among Kenyans. This conclusion is drawn from comprehensive statistics collected over a period spanning from January 2021 to December 2022. The popularity of Facebook in Kenya underscores its influence as a dominant social media platform within the country.
If Kenyans possess smartphones, have access to data bundles, and enjoy one of the fastest internet connectivity rates in Africa, it begs the question: why aren't these technologies being utilized to propel the country forward? Why does poverty continue to be a pressing issue for Kenya? Despite having the means to address these challenges, why do household incomes continue to dwindle?
As a nation, shouldn't we strive to harness the resources at our disposal to build a better Kenya? If not for the sake of progress, then perhaps for the individual success stories like that of Evans, who started from humble beginnings and now owns a fleet of buses, creating employment opportunities for fellow Kenyans.
In the year 2022/2023, the number of local private companies in Kenya stood at an impressive 56,801. This figure has the potential to grow exponentially if Kenyans embrace the spirit of entrepreneurship.
Twende Twende: Content-ment-ality
Content marketing is a powerful solution to address the lack of productivity that plagues Kenya's informal sector. The International Labour Organization (ILO) has identified marketing training as a crucial area of improvement for businesses operating in this sector. In his enlightening article, Felix Cheruiyot highlights how a well-crafted content marketing strategy can help businesses overcome the challenges of fierce competition and limited resources.
So, what exactly is content marketing? It involves the creation and distribution of valuable, relevant, and consistent content to captivate and retain a specific target audience. This approach ultimately drives profitable customer action. By delivering valuable content, small businesses in Kenya can establish their expertise and position themselves as thought leaders in their respective industries. This not only builds trust and credibility with their audience but also solidifies their reputation as industry pioneers.
Why Content Marketing?
Audience Engagement: Content marketing empowers businesses to forge a profound connection with their audience. By crafting content that enlightens, entertains, or ignites inspiration, companies can cultivate a devoted following and foster a robust community of supporters.
Visibility and Reach: Through the art of effective content marketing, businesses can transcend geographical boundaries. In this interconnected world, the digital realm serves as a global stage for local enterprises. With a well-crafted content strategy, Kenyan entrepreneurs can emerge as international powerhouses.
Lead Generation: High-quality content acts as a magnetic force, attracting potential customers. It not only captivates your target audience but also nurtures them along the sales journey. From captivating blog posts to captivating social media updates, each piece of content can be strategically designed to captivate and convert leads.
Sales Growth: Ultimately, the triumph of any business is measured by its sales. Content marketing not only aids in generating leads but also expertly guides these leads towards becoming paying customers. This paves the way for sustainable growth and profitability.
Brand Authority: Establishing authority within the industry is a paramount advantage of content marketing. When businesses consistently deliver invaluable content, they position themselves as unrivaled experts in their field, further bolstering their credibility and trustworthiness.
In a world where attention spans are dwindling and competition is fierce, content marketing emerges as a beacon of hope for businesses in Kenya's informal sector. It offers a unique opportunity to break free from the shackles of unproductivity and establish a strong foothold in the market. By harnessing the power of content, businesses can unlock their true potential and pave the way for unprecedented success.
Social media platforms such as Facebook, Instagram, and Twitter can be used to create a strong online presence, connect with the target audience, and build a strong online community.
Are you for ‘Twende Twende’?
The Twende Twende campaign aims to connect with a target audience that aligns perfectly with its goals and content strategy. This audience includes various groups of individuals who can benefit from the campaign's focus on empowering entrepreneurs and business owners to thrive in the online space. Let's take a closer look at the ideal target audience for the Twende Twende campaign:
1. Aspiring Entrepreneurs: These are individuals who dream of starting their own businesses or have recently launched one. They are seeking guidance on how to establish a strong online presence to ensure their success.
2. Small Business Owners: This group comprises owners of small businesses such as salons, grocery stores, local shops, and similar ventures. They are looking to expand their reach and customer base through digital channels.
3. Kenyan Startups: Emerging startups and tech ventures in Kenya require digital marketing expertise to grow and compete effectively in the online marketplace. The Twende Twende campaign can provide them with the necessary knowledge and skills.
4. Digital Enthusiasts: Individuals with a passion for digital marketing, content creation, or technology are eager to gain in-depth knowledge and insights into the field. The campaign can cater to their interests and help them enhance their skills.
5. Youth and Young Professionals: Young Kenyan professionals who are tech-savvy and eager to explore opportunities in e-commerce and digital entrepreneurship can greatly benefit from the Twende Twende campaign.
6. Local Content Creators: Bloggers, vloggers, social media influencers, and content creators are constantly looking to enhance their digital marketing skills and strategies. The campaign can provide them with valuable insights and techniques.
7. Business Students: Undergraduate and graduate students studying business, marketing, or related fields can supplement their academic knowledge with practical insights into online business growth through the Twende Twende campaign.
8. Community Leaders: Influential figures within Kenyan communities can play a vital role in disseminating the campaign's message and empowering others with digital knowledge.
9. The Kenyan Diaspora refers to Kenyan expatriates residing overseas who possess a desire to invest in businesses within their home country or provide support to local entrepreneurs in their endeavors.
10. Non-profit organizations (NPOs) and non-governmental organizations (NGOs) play a crucial role in empowering local businesses and entrepreneurs. These entities strive to enhance their digital presence, thereby creating a significant social and economic impact.
Twende Twende: Are you ready?