 Siju ni take a moment of silence to talk to you about this. I hear, I hear muna omba left right and center. Yani si muivi screen ine za kuatu ime jatu maap za kuomba pesa. Abu talk to me. And then you're telling me it's girl child, it's her fault? Atin to mi e fea fuliza. Ki doko beb na skenja tala. Ya, is it true? Just tell me kablatunge kwa branch tu ma liza kila kitutuchafu. When I help inaku jokta futasi wote, I don't know what's going on guys. Is there a problem that we need to address at the national level? Come, help me introduce my people. Hai! How are you? We are fine. Mamu na kwa pwa, waka mawa. I like the colors, so nice. Ya, let's start with you. What's your name? I'm Faith Okova. What do you do Faith? I'm a student at Kieriri, Kierimi. What do you do? Atin nishkawonga ki doko na saute. Unakawa e. Wonga ki wo ye. I'm Faith Okova. Student at Kieriri women. What do you study? Business information technology. Atin nishkawonga technology. So I come out at the city to ki doko. See sana bata ki doko. What are your social media handles? Facebook, Facebook Okova. Instagram, Facebook Okova. That's it? Alright. Sir. Hai. Hai. How are you? I'm really fine. You've been away for a minute. Yes, but now I'm here. I can see you looking very short. Thank you, thank you so much. Like a Monday, a good Monday morning. Man crush Monday. Wow! Yes. Please introduce yourself. My name is Isaac Akeyum. I am on Twitter and Instagram. So you can find me at Light Christian Life, but if it's hard, just type the name blessed Isaac, you'll get my handle. You're blessed. Does that mean you're debt free? Ya, I'm debt free. Tu kiyangali asimu sayat, Tu kiyangali, but you see? You see? So what's your name? My name is Kevin Peter Aurenda. Eki ye boke buda, eki ye boke bazenga. I'm a comedian and recently I've started out a YouTube channel. The link is boke bazenga. You can check out my videos, like, share and comment. What are your videos about? I do parodies, I do impersonation and comedy. Ah, impersonation as well. Impersonations of? I impersonate people's voice. Like, you feel is your best impersonation. Benza is the medium tool. I can do a lot of good voices as well. What do you think is your father's story alone? aah. ...sa sa kama ono jwa oko nilfumoto rafadani funida uminida ureji parasi abi so that we get it out there today, we are not trying to promote any type of mobile banking or trying to take any loans this is not what the conversation is about we are just discussing So, if a few names pop up here and there, it's just for sake of conversation, all right? Yes. So, how do you feel about these loans? I'm about to. I'm about to. It's so easy. Noja kitambo. Lo nili kuwazji. First of all, unenda kwa bank, unenda una apply, the process after process, and then you have to go with someone to kind of be your, I cannot remember the name currently, but yeah, they have to agree to, ah, they generally portray, but they have to agree with you. And now this is you just go and just, you know, I want money and that's it. And then suddenly you have 5000 or an extra 10K, extra 15 depending on how they allow you to borrow. How do you feel about this? For me, I don't feel it right. Actually, the manner in which assessing loans, mobile loans, has been made easy, has led many people in trouble. How? This is how it has made people get in trouble. Like, for example, a young man, I'm going to talk about love and loan. People say that if you love someone, you love someone, you can do anything that they want you to do. Now today, like, I mean your girlfriend will call you asking for something and then you say, ah, right now I do not have money, would you please wait for maybe two days or three? I would get you something. And then they will tell you. She says urgently. Yes. And then you say you don't have. Then they will tell you, would you please try tala or you fulliza and get me the money. And of course there are conditions. If you don't do that, you know the repercussions. So immediately you try tala, you can get up to 30,000 and then you send the money. But you see, first I can say you borrowed the money under duress. You did not plan how you're going to get it back. Did she hold a grant to your head? No. But you see, it's an indirect duress. I mean, I love you and I'm fearing that if I don't do it, perhaps you'll change your mind. And I don't want you to change your mind, you see. I don't want you to keep quiet. Imagine now, look at this sweet face, guys. Look at this sweet face. Do you imagine now at Tisasa, this is the duress you're talking about? Yes, you go to tala, look at her, tala direct. You get the money. How is that her fault? Is it yours? It's our fault. How many peer pressure talk to me? So peer pressure. Nowadays, ladies can do anything to impress ladies. So apart from tala, just like I said, apart from tala, there's branch, there's Fuliza, kumikuja up small bzaku ombadu. Demans zata kakutengela zanyuele. Urorapatunji iaotu patedo, lumpeduza zanyuele. Amontakumpele kout, Urorapatunji iaotu patedo, lumpeduza kakutengela zanyuele. How are you feeling about this? Now you're the reason, you're the sole reason that may not be here, failing to develop. It's not the sole reason. If not for STEM, it's enough for me to plan. In case of anything we're going to do, it's up to us to plan. They don't have to go to lunch, it's during our balance meeting. It's enough for me to plan. Ima jensiya kwa ii niza kwa yaanyuele. Yaanyuele. Ii niza kwa ya. Look, he's devastated. These applications zime raisisha vitu. Kitambule, say like 15 years ago, our parents unge end of science training, would have to guarantee. That is the word I was cooking for. Guaranta, yes. When they were processive, wambia, akuja next week, yo pesu rei pata kwa raisi. But squeezing with these apps, you can get it instantly. We don't even give you interest rates. They just make sure that you know. Ya, it's fantastic. I'm feeling like these guys can be used two ways. You can choose to use it for a good purpose, maybe uchkwe, maybe lonia, kwanzisha biesha raiwe. And then lipe pole pole. But manzea tia o, shawre na kpigia tia, atakai, atakai, nawepia unendela atu. Unombai, andafu nalipai, nai ingine umeomba, alafu mungine na kuja, muna tokanga ajiaki. What's going on? What is going on is that, when we are talking about mobile loans, they are meant to solve emergency problems. Something that you are being told, we need this much money at this time, and we do not have any other source. Even you are not prepared how you are going to get the money. So what comes into your mind? It's fuliza, tala, or emshuari. Like now for example, what we've just talked about. It's easy. You don't even have to look for a garanta or something. All you need is to provide your details. They give you the money. But look at this. Some of us, we've not checked the policies of those guys. Some of these platforms have got very high interest rates. That's why you realize others will even charge up to 25% others 20% because you will not have that time to check all the policies that they have. So you end up borrowing a high amount of money. You've not planned how you're going to pay it. And you end up losing. So instead of development, you are developing. We prepared a couple of stats for you and it's going to kind of lead to the conversation. But it's basic how to say. We're just trying to figure out what's going on in the brain of the young boyshelves in Kenya because I also don't know. And one of the things that we've seen is 380,000 Kenyans are defaulting on their mobile loans. I wish kuna wene tungi pata place yaku zero in how many men those are in total. But in total people, 380,000 Kenyans defaulting on their mobile loans. So apu meskia siarbi ano ikapalist ftani apu sindio. An average of 19 million Kenyans have active mobile loans. All right. An average of 19 million Kenyans. Wow, active mobile loans. This means that 19 million of us kwa simut kuna at least bili biliivi o tattoo. You can borrow from here, you can borrow from here at the same time. Now here the mobile loans that are very common and again, let's not discuss the name in particular but we're just going to talk about mobile banking or mobile loans. So 98% of all loans were provided by the banking sectors. As we continue, we have a very good question. We've tied these to love and loans like he said it. So we're trying to figure out if being in a relationship is more likely to go to his phone and get a loan kuhuli kumunyehana dhim. Is it true? Yes. Yeah? You think that's true? Honestly, honestly. Yeah. It's 50-50. 50-50. Okay, because a guy in a relationship like now you are saying would have emergencies for hair, emergency annually, want to come out. So what does the average Kenyan man who's borrowing money on his phone and he doesn't have a relationship what is he borrowing for? Kazi ya Kenyan? An average Kenyan man? Kasibia Shaha. Okay, kumunyehana kuna relationship na kuna miña kuna relationship. Miña kuna relationship let's say somebody is around 30 he can borrow a loan up to 500, half a million bok maybe to do a wedding. Kuna wanumeni awatakia da kuna kufanisha rambi asia watu onge oh, who da mada tulim saydi ya fanyarusi. Wow. Wacha umbelon ya fanyarusi noma Badai a pambani kuhuli pa. What do you mean? Really? Yeah. A lot of men do that. Then umu meye hai yuki na relationship let's say you can borrow a loan of 1500 bok you go get several plates of eggs then smokies and these other two small things and do my business at the end of the day I'll get my profit and repay that loan that I took. But you don't want to go to bed? Because the next question is why do men take mobile loans? Why do you think they take mobile loans? Some of them plan to move for business but they don't know some of them plan to move for business Yeah, we're doing it's kind of weird but and then some of them they bet which kwa loan kuhu bet mostly niizu too. Kwanzavene premili gini na hi me tupele kumbe yo manze siungu jatulam beata glucose sanai imagine if I'm this investor in a stya bet sanmunya me beti na kachoma betos ko eno is that what would make a man go straight to his phone and end umbelu if he did the betting and then he never got the money We're trying to figure out why the youth is broke all the time nam na chkua loan na chkua loans ofan ni ni kauna dim But for guys I've interacted with I can confirm here guys who are not in relationships the rate at which they seek loans is actually very low really? that is true I've interacted with them and that is the facts on the ground why because guys who are not in relationships even how they make calls it's very minimal who are they talking to and then guys who are in relationships first mostly they seek to pay rent and probably take the girlfriends out and to eat find something and eat and I've realized that who will even pay those loans some of them their parents pay because they'll go and make up some budgets and then when parents send money they pay we're going on a trip on a school trip they need 10,000 he wants to pay back I said let's not mention I'll pinch you oh okay any other platform they are using so that is where they take the money so the one in love, in relationship is likely to to even seek loan many times as many as possible Wontaku ni ambizi pizza zote at 600,000,000,000 zote ni dos na malizado kweli? ya abu cite zia raka raka kus I'm not understanding his point here you can't say it in a season to normalize your pizza kwani back in your mind don't you know that you have a girl when you have a foushugulike you have to plan yourself okay, if you have an emergency say it to us now when they okay yes you can take loans but then say it to you in Afanya say it to season in Afanya you get broke you know planning is a process right? planning is a process so if I'm planning myself let's say I did it last week I already planned myself the whole process and then in the course of this week you just give me a call you want to break my plan you're like you're asking me for money that you need today it was not in my plan what do you expect me to do? but then I take you home that's when I think about the phone I get the loan and then I do whatever she wants me to do and I'm done so matakus kiri akulipa badai wow how do you feel about this? do you think it's fair what females do to guys? I can't say it's fair or not fair but then they have to okay yes taking loans but you have taken months once in a while for emergencies but sister you want to say matisi sinutu na umaliza sinutu na Afanya or broke that's not true you know the reason why mostly we take up these loans is because I might say my income is around let's say 22.30 after taxation then you have bills you have house rent you have fair each and every day you have air time entertainment for yourself una patai pese misha yote by around taretana pese misha sasa solution in this you have to take up this loan like you said na taku pelika out for pizza so you have to take up you have to take up the loan to niku fraisha at least usufil o pelika out for pizza na mabesteza kwa na pelika out for pizza when you are not human so you want to explain at times you can understand 22.30 ula na seti ni kitu ya kila siku maybe it's once in a while atelabda once per week 22.30 niku kumbe you no no no I need us to meet him because when it to me fair sasa fair sinakere blo le nakaphiba ya it doesn't matter ula na seti ni kwaanzapu kwa uba na meseoma nmeseoma po I think it was a blog how anbejiku ta like asking for the boyfriend for money anezatku kwa mat kakun thisi dasi a hati mati simahisha nimi mati ni belittle agiski suatua topigiasi mami pepsuntu mele pese tuya kab mare dash dash lafusu mobile loan take it taking No questions I wish my people at home, you gotta tell me what you think also at WhiteFive on Facebook, at WhiteFive 4 Channel on Twitter Hashtag is white in the morning, hi Val, I'm currently listed in CRB because of a cute face who again left me when I could borrow no more Please ask chicks to help me pay these loans, see this life Okay but I'm kinda understanding where he's getting coming from rather You have a girlfriend, look at this, she's looking at me She's beautiful I'm trying to be nice, fair to all the genders, both genders So dem anata kai, anata kai, anata kai And you as you are right now in the phase of life that you are You cannot just simply give, you don't have enough capacity to give without borrowing So you've borrowed, you've borrowed, you've borrowed And that borrowing now is at the expense of your investment, you're not investing in yourself You're not investing in things that will appreciate you You're investing in material things and giving Na yos tori ni kai maisha, yo pesa si mianda tu iro I love if you can place in time that girl tell it on okay, now it's time to settle down What have you invested? Nani ame kula tuizu vituzote, but at a kuliza what have you invested How can I feel like your serious life, how can I trust you You know with even the kids that we might have So after that a kuwache, ayende mans monya meji sort, discuss I don't like the story I don't like the story I don't like it actually, you read my mind, it's unfair You've spent money, what men say we've invested I've invested on this lady And then at some point after investing on you You feel that there is no more money to invest Then one day you just wake up and say it's over How now? It's not over, you get Like during the Easter You borrowed, let's say you went to one platform Now that you've said we don't mention the names Good job You borrowed 30,000, the other one 20, the other one 10 Because you wanted 60 All the roads leads to Mombasa You people you spend money You know when you come back It's you who will not sleep The other one Until you don't sleep you wonder See we were with this one, look at how she's sleeping And I'm not doing it anymore And then at some point You've not finished paying that one Now you tell her There is no more money And then tomorrow she wakes up and say That's what you want to do It's over It's really painful If you really love me If you really love me If you really love me I will tell you Is that you think that I really think it does contribute So need rephrase the question What would be going through your mind When you ask a guy that If you really love me you must do something As if the measure of love Is money So it depends So that's it If you really love me You may have no money at that time So your pressure is unnecessary You know how this relationship Are based on On man Kauna do Tembeza kia tu We can't say We don't have to do on the road We press on them So for example I don't have money So that relationship is Kauna do I have no money I have no money Tembeza kia tu Tembeza kia tu But if you really love me You may have no money Tembeza kia tu We can't say Tembeza kia tu We can't say We don't have any standard We can't say Once you get the money You get back there Are you now? You know you don't have the money You're not being spoken to No communication at all Now when you get the money Is it you who goes back Or she's the one who comes Kwae na inu sa Kwae na inu sa Kwae na inu sa Kwae na inu sa Kwae na inu sa It's amusing It's interesting How comes when you don't have money Somebody doesn't talk to you for A whole month And then when you have money Or when you just show Signs that you have money Now you guys are alright That's funny We are together So what are we saying? Is that a healthy situation to be in? And how did you get out of that situation? It's not healthy We finally got the money But we got the money We got the money We got the money So we got the money We got the money We got the money So we got the money But we got the money And you feel like maybe that was one of the main factors We got the money To sumangilesha if you want to do As per what We see that now But you know But then it depends Kwe nabla Utuwkwa tu na kwa sa lo The whole time At times, at least, tu kwen na pesa Um tumu na na sema lewa na lo Tomorrow the same I love that piya na pata Apu from the parents Uyanam manisha wants to use your money Basi We really glad to say that as we finish this topic yanomandi kaobamita nakenceribunteni i Armenian, trouve yoga... We should try to put a hypothetical situation in when the children have died in the plant Jumping on a condition of not spending Hnut And making the worst out of a young boy If you're not spending it on her you're spending it on someone else That's the wrong assumption municipality paper You don't assume that I have it but spending it on someone else Man, bach ni mai o na man sigi aki gawa, salari ake on different women Wana pata 2000, 2000, 2000 So by the time we had 2000 yaku e maisha utambi wakuna pesa Iko, but see ako, discuss I don't understand this You don't understand or you don't understand Like kuna sa pata na sena se ma e for whole week iki emoji ya ni naku peli kahu dem iki ingini naku peli kasta Imi peli kakaro Imi peli kajini pa nini And he's always brought