You choose a really distracting place to have this important interview bro. It would have been even better without the distraction. Thank you for the information regardless, this is very commendable. I'm sure you've saved a few lives.
It's not adding up with the number plate. The car is a KDL. KDL ni number plate ya late 2023. Hii gari anasema amelipia for 2½ years. Let's be truthful men. Gari bado inaskuma loan hii job ya Uber to break even is difficult with current rates. Resell ya any car ya 650cc Iko chini sana best offer is 450
The guy is 27yo na Ati the guy alijoin online taxi in 2018 wakati Uber ndio ilkua inaanza?😂 He was 21years then. Bana let's be truthful .For you to join these online taxis you need a psv badge which you need to be with atleast 4years of driving experience for NTSA to endorse you for PSV. Tu uongo hapa na pale but tunajifunza😅
Mbona unashinda ukimwambie venye agenfanya? Hiyo sikuelewa. The guy told you hakuwa na otherwise and microfinance worked best for him. Interviews nikuhoji sio ku criticize
I keep telling young pple kuachana na mambo ya so-called micro-finance bullshit. They are just con artists, yo'll...u will break your back to feed their a**
But Mombasa car yards charges you an interest of 10k per month. Pay half the amount deposit. Then the other half pay in 12 months. Inerest will be 120k. 730+120=850.
@@melinabendy8825 730 is the principal amount or the cost of the car. 120 will be the interest for one year. Total is 850. You pay 365 and leave with the car. You have a balance of 365+120=485. 485/12=40k. So on top of your deposit you will be paying 40k per month for 1 year and they sent you the logbook wherever you are. Added cost will be car track @ 20k.
Microfinance in Kenya Isa scam. I took a loan with mogo for 100k for a car and ilinifanya mambo. I paid back almost 250K for 18 months. Mogo bases it's loan in dollars. Ikipanda loan inapanda. I learnt my lesson saa hii heri cash.
@@leslierono3577 kitu mogo walinifanyia Wacha TU. 168k nimelipa ikafika 400k. Na they used to come kuchukua gari nikichelewa gari yenyewe iliharibika gearbox two months after nimechukua loan, I haven't even repaired it over a year now. Mogo is a scam
So educative ogopa loans na epuka loans @ all cost if possible..if its big loans its oky koz u have power to bargain with the lender bt tu loans twa below 1 million ni kulizwa tu..na kutumiwa wanakufanya their workers ki-aina ..
250k deposit,pay 2 yrs 1.8 sell at 400k minus deposit 150k,in between maintenance,and other expenses like insurance,plus your personal expenses etc,mwisho uuze 400k minus deposit,ata Kama ni desperation tukue serious kidogo.🥵😭😭
One person saw an opportunity and took the risk and it paid off although at a higher price and the other person is scared of risk he doesn’t see what they are about to gain but what the lendor will gain from their efforts of paying the loan. The best thing is to look at the maths and understand the hidden cost related to the financial decision your about to take. Sacco and micro finance institutions have sweet lanaguage like 1% on reducing balance but ukiwa na accountant you will realize the time value of money and then you make a decision
Guys look at me please, when you pay house rent about 42k per month for a period of 46 months the house will cost you 1,932,000 na hautarudishiwa bado so better hio biashara if you don't have any other options.
Yards in mombasa accept 30% Diposite and agree payment period and the final price will never increase if you made it clear that you will pay on tym. I had 500k and took 2.2M XL sienta hybrid( more than 400 if i had cash) in 3 years period. Never go to Bank or logbook financing.
Most Uber drivers huwa hawajui places so kuna location kwa app to the destination ya client. Itaku lead to all destinations and ivo ivo uta get to learn Nairobi. Nilianza kama sijui anywhere pia but sahi mi gwiji
Kuna costs za tracker na insurance pia,i bought a boxer 150 Ug from Mogo weehh nlianza piga hesabu after nmebaki na 20k kumaliza kidogo nlie 😂😂 nljiita mkutano nkajigombeza nkajisomea eehh anyway nataka gari sasa 😂 ntalia baadae
Very bad. A day is coming when this so-called micro financing people will have to pay dearly in court for using the small uber pple who cannot afford the court charges. They do this because they know hawa watu hawezi afford kuenda court. Ipo siku
You're very wrong. You don't understand anything when it comes to finance. Ask us. And before you come bashing, tell me the annual interest rates of banks,sacco's and micro finance
His honesty, positive vibe and lessons learnt are valuable. Microfinance is a NO go zone.
This guy helps me manage my car alinipea a good idea sana
Gani io,ju Gari yangu imenisumbua sana
I never skip your videos. Very educative. Kudos!
Huyu kijana ni mchapa kazi, straight hustler..big up
never rush when making a financial decision
Anything to do with loan make sure uko Na side hustle without that katakujiwa tu😂😂
I so much admire this Kinara guy.Kijana wa bidii sana and i am sure he will succeed in life God Willing.Tunakuombea bro.
Kujeni mombasa interest ziko chino.. in a year utalipa 120k, 2yrs 240k muache kugongwa
I agree totally.
I have a pal who came over to msa na analipa just like uve said
Nipe form
This is high purchase, and it's better than microfinance
Where specific?
Payment za 120k per year ama interest ya 120k per year? For which car?
Mambo ya microfinance imeniletea shida to be specific guys avoid MOGO MICROFINANCE AT ALL COST.
Meaning better to sell Mahamri na Chai?😂
4:45 You have a point, loan ni better than partner
5:45 Gari ikuwa ni yako is better, its like paying rent vs mortgag
Huyo driver ni fighter, other othan taking the risk, he's also learned a valuable business lesson n experience.
I Live this channel,,,,,saa hii nimejua mambo mengi sana
You choose a really distracting place to have this important interview bro. It would have been even better without the distraction. Thank you for the information regardless, this is very commendable. I'm sure you've saved a few lives.
Interesting story. Anyone thinking about the value of 1.6m today vs 750k 2yrs ago?
I trust this guy he manage for me 3 cars and am happy doing business with him
Kinara ni dere mpoa sana, honest person faithful, en also keep tym
It's not adding up with the number plate. The car is a KDL. KDL ni number plate ya late 2023. Hii gari anasema amelipia for 2½ years. Let's be truthful men. Gari bado inaskuma loan hii job ya Uber to break even is difficult with current rates. Resell ya any car ya 650cc Iko chini sana best offer is 450
Good conversation, get us one with pick up business
Good idea
I second your suggestion
The guy is 27yo na Ati the guy alijoin online taxi in 2018 wakati Uber ndio ilkua inaanza?😂 He was 21years then. Bana let's be truthful .For you to join these online taxis you need a psv badge which you need to be with atleast 4years of driving experience for NTSA to endorse you for PSV. Tu uongo hapa na pale but tunajifunza😅
Hii kanganya naionanga sana. Service pia ni autoxpress na anapenda ya Lavington big up bro
Mbona unashinda ukimwambie venye agenfanya? Hiyo sikuelewa. The guy told you hakuwa na otherwise and microfinance worked best for him. Interviews nikuhoji sio ku criticize
Tell the truth bro,,we took the car the same day from hakki and we are paying for 42 month,,,and that goes to 3 and half
KDL unasema 2yr 6month watu c wajinga bana.KDL niya juzi tu.anyway kwa loan nayo ya micro finance ni no go zone.
Exactly
Bro niko KDN na 1hr 2 months so KDL 2 years ako sawa
I keep telling young pple kuachana na mambo ya so-called micro-finance bullshit.
They are just con artists, yo'll...u will break your back to feed their a**
Those loans are basically designed so that you default.
Good interview. I fear for this man, juu bei ya magari zinaanguka Dunia mzima. Hii yake akipata 400k next year atakuwa lucky sana
Jeso
Nikona gari Na 550k Na Ni chevy spark labda nilipe cash instead of finance
Isharudisha profit, kama huna cash huna lako😂
Ama after kumaliza unaiwekea engine mpya. Watu washangae gari no. Plate ni old lakini strong.
Hiyo ni poa sana .
Lakini Uber na wenzao wanataka namba mpya ili uwe registered.
Partner wengine wako friendly.. like my partner sijawahi muona since tuelewane nichukue gari thika town
But Mombasa car yards charges you an interest of 10k per month. Pay half the amount deposit. Then the other half pay in 12 months. Inerest will be 120k. 730+120=850.
Is 730 half of 850
Aaaiii yard gani hiyo?
@@melinabendy8825 730 is the principal amount or the cost of the car. 120 will be the interest for one year. Total is 850. You pay 365 and leave with the car. You have a balance of 365+120=485. 485/12=40k. So on top of your deposit you will be paying 40k per month for 1 year and they sent you the logbook wherever you are. Added cost will be car track @ 20k.
@@selectorrwoyke Any yard selling cars in Mombasa. That's the arrangement. Just move around.
It's not interest - it's the Muslim way of lending they use. They sell the car at a higher fixed price with installments, not a running percentage.
Microfinance in Kenya Isa scam. I took a loan with mogo for 100k for a car and ilinifanya mambo. I paid back almost 250K for 18 months. Mogo bases it's loan in dollars. Ikipanda loan inapanda. I learnt my lesson saa hii heri cash.
@@leslierono3577 kitu mogo walinifanyia Wacha TU. 168k nimelipa ikafika 400k. Na they used to come kuchukua gari nikichelewa gari yenyewe iliharibika gearbox two months after nimechukua loan, I haven't even repaired it over a year now. Mogo is a scam
Thank you for helping us understaning loans tafuta wengi
Hizi kampuni zimetufanya their slaves...people are suffering in their hands 😢
The government should protect consumers from loans sharks, This is not business by this companies it is exploitation.
So educative ogopa loans na epuka loans @ all cost if possible..if its big loans its oky koz u have power to bargain with the lender bt tu loans twa below 1 million ni kulizwa tu..na kutumiwa wanakufanya their workers ki-aina ..
250k deposit,pay 2 yrs 1.8 sell at 400k minus deposit 150k,in between maintenance,and other expenses like insurance,plus your personal expenses etc,mwisho uuze 400k minus deposit,ata Kama ni desperation tukue serious kidogo.🥵😭😭
Insurance iko kwa wenye wanapeana hiyo loan
@@selectorrwoyke still an expense juu iko kwa deposit
doing a great job educating en encouraging guys
One person saw an opportunity and took the risk and it paid off although at a higher price and the other person is scared of risk he doesn’t see what they are about to gain but what the lendor will gain from their efforts of paying the loan.
The best thing is to look at the maths and understand the hidden cost related to the financial decision your about to take. Sacco and micro finance institutions have sweet lanaguage like 1% on reducing balance but ukiwa na accountant you will realize the time value of money and then you make a decision
Waah...but saving is easier said than done.
Love the video ideas lakini cameraman anaudhi excess...hawezi patiana pov moja ama mbili bila kushinda akisonga na kuwaeka kwa frame?
He's delusional if he thinks anyone will buy that car for 600k. even now.
Atapata, Cars are expensive right now
That's what we call wrong financial calculatoniins
I’m saving for a new car but I will take a Sacco loan for half the purchase price. This regime is really hungry for taxes.😢
Guys look at me please, when you pay house rent about 42k per month for a period of 46 months the house will cost you 1,932,000 na hautarudishiwa bado so better hio biashara if you don't have any other options.
Hawa Loan Sharks hukuwa hii Nairobi wanaweza peleka mtu into deep depression.
Hire purchase is slightly a better option. Microfinance is a NO!
I think its fair to also share the names of these micro finances to avoid others falling into the same trap.
Yards in mombasa accept 30% Diposite and agree payment period and the final price will never increase if you made it clear that you will pay on tym.
I had 500k and took 2.2M XL sienta hybrid( more than 400 if i had cash) in 3 years period.
Never go to Bank or logbook financing.
Bro can you connect me for one of the yards in mombasa
Then truly ukijituma kuna pesa.
Hope the digital taxes waiting to be presented to parliament won't affect such hard working Kenyans.
This media guy is discouraging people
KDL 2.5 years ago?
Sounds Funny Indeed
Mmmh. Its true
Around feb 2023
@@maximus-7-m3j lies ...
Yes saa hii tuko KDR that is 2.5 years ago
Mentioned the company, si ata Mogo ilikua exposed kafiniwa 10m, no need to fear if it's s crime 😂😂😂
Ati... bana pole sana😂😂😂😂😂
You do amazing work.
What about buying a used car and upgrading
Never by an old car
I started with a second hand car
Bro how can you advise me 🙏nataka kufanya na Uber but sijui Nairobi vizuri,,place najua ni Eastleigh tu na ngara...will it be difficult for me??
Most Uber drivers huwa hawajui places so kuna location kwa app to the destination ya client. Itaku lead to all destinations and ivo ivo uta get to learn Nairobi. Nilianza kama sijui anywhere pia but sahi mi gwiji
Inbox localsays@gmail.com
Kuja tupeane psych
Thanks for enlightening us
Kuna costs za tracker na insurance pia,i bought a boxer 150 Ug from Mogo weehh nlianza piga hesabu after nmebaki na 20k kumaliza kidogo nlie 😂😂 nljiita mkutano nkajigombeza nkajisomea eehh anyway nataka gari sasa 😂 ntalia baadae
Hehehe...tuchukue gari, kulia ni baadae sio?😅😅😅
Good work God bless you 🙏
ange save yes but kutoka wapi?
Weuh inaitwa Explore Tv apa unatoka ukiwa mjanja😂
Very bad. A day is coming when this so-called micro financing people will have to pay dearly in court for using the small uber pple who cannot afford the court charges. They do this because they know hawa watu hawezi afford kuenda court. Ipo siku
600k wacha iyo ukipewa dooh mob ni 450 mileage talk
Ukikosa kufikisha kanakujiwa 😅......its not a laughing matter lakini ni funny.
sio mambo ya age sikiza mawaidha..
Hata mimi hapa, nalipa pikipiki 300000 from mogo 😂😂😂😂
Thieves
Brother wacha ambiana ukweli kdl bado
I need thiz conversation in english iam in uganda
Learn English
Uganda u need slot of things to be done by ua president
@danielwainaina8328 iam so much interested in his conversation that is why i requested him to do it in english .
Johnte big up
But hio pesa angelewa tu so its still ok
Umenipa akili drooo
Hio gari valuation haiwezi Ata fika 400k bro hio utauza 350k pole
2018 adi sai Gari ni KDL 😅mnatuona aje
Uber ikianza na huna afya, leave that sheit think again
There's only one N-Wagon...a Honda
Nipitieni please
Sir I follow you, but your perspective is very wrong. Even if he had borrowed from bank it could be the same story.
Things should not be this way.
Two wrongs does not make a right.
You're very wrong. You don't understand anything when it comes to finance. Ask us. And before you come bashing, tell me the annual interest rates of banks,sacco's and micro finance
Huyu jamaa ni mzuri sana guys gari zangu zilikuwa zinatumika vipaya tangu nipeane kwa huyu johnte manze namalizia loan bro umenitunzia gari zangu poa keep it p ingine inakam karibuni nakuletea
Did he say you join a sacco and get a zero finance on 2k per day for 4yrs ....60k per month for 4yrs ...that's crazy
Apo kwa age no,
Kwanini kwa age no @leonard
27 iko sawa nayeye
Wanatupima ati 2yrs
vitu vya loan wacha tuu
These companies utajipata umejinyonga bure. I pray that however desperate you may get, usikue tempted kuenda huko
wueh!
I don't like the way you're pushing this guy to regret his decisions
Stop lying to us you aint 27yrs old.
hi
KDL??? 2YEARS??? You people must think that people are idiots. Nonsense 😅
How can I contact you sir? I need some advice.
Loan ni Haram Alhamdulilaah
mogo will guarantee you tears😂.
You mean KDL ni ya 2018
yom probably
Btw how comes ni KDL na ilikua ya 2018. 2019 Dec tumechukua KCZ so KDL...
KDL... K ilikuwa 2022 if am wrong
@@abelragira1431 alianza 'taxing' in 2018 but gari amebuy 1.5 yrs based on vile amelipia deni.
Year of manufacture 2018,year of registration 2022 there’s a difference.😅
You are pushing your agenda..learn to ask the right question..you are leading.
Hawa ni matapeli