7 steps to Managing Your Finances while on campus

So you get your school allowance or money from your side hustle and you’re ecstatic! Next thing you know, you’re flat broke and now all you are left with is the billion-dollar question…

How did this happen?


Managing your personal finances while on campus can be hard, but we have a few tips below to help you survive sis!

1. Create a Budget

A budget is simply a statement showing how you plan to spend your income. Creating a budget starts with being realistic. This means that you are realistic about how much money you currently receive/earn and how much you spend or hope to spend.

The word budget can come off as scary and intimidating to most of us and where does one even begin?? Please keep in mind, a budget is super important to have to maintain financial stability while in school.

Let’s be honest. No matter how much money you have, it will never be enough to cover every single thing you need to buy. So budgeting is one key way to ensuring that you spend your money on the things that truly matter to you.

Document everything you spend your money on, from mobile data to hair supplies to that take-out from last weekend to groceries, clothes, and stationery, all while being realistic with your current income.

This helps you take charge of what exactly you want to spend and sticking to it helps reduce impulse spending on things that you don’t really value.

If you can't save when you earn in thousands, it will be difficult for you to save when you earn millions Click To Tweet

2. Save, Save, Save!!!

Your allowance might be small, but truth be told, if you can’t save when you earn N20,000, it will probably be difficult for you to save when you earn N20,000,000. This is because your expenses and tastes will inevitably rise in response to your new income. In light of this, the best time to start saving is now!

My favorite tip to share for saving is to open a savings account and DO NOT get an ATM Card or Mobile/Internet Banking for it, you’ll thank me later.

Transfer a certain percentage of all the income you get, (including the money you lobby out of relatives, yes, even that) into that account. This makes it difficult to access the money at will.

Another option is to use a piggy bank. A lot of small businesses make and sell beautifully designed ones to order. Put some money into the box and only open it for emergencies or to invest.

Finally, you don’t have to attend every brunch, every party or buy every dress on sale, I promise you won’t die if you don’t do all the social activities in one month. Always stick to your budget.

3. Budget money for the fun things too

Include an amount of money for the fun things you love to do and buy. If something extra comes up that is not in the budget, politely decline and if necessary you can include it in your budget for the next month.

Spread out these kinds of purchases over different months. For instance, you could buy that dress this month, go for the Wizkid concert next month (or when we’ll be allowed outside again, stay safe!) and buy those new shoes a month later.

4. Take advantage of Student discounts

Don’t be embarrassed to use your Student ID to get the student discount on a movie, event or even products. Look out for these discounts and coupons and make the best of them.

However, with everything else in life, moderation is key. Don’t splurge on everything simply because the word “SALE” is attached to it.

5. Get a Side Hustle

Can you make wigs, create content, draw, do makeup, code, etc? Then get a side hustle – sharpen your skills and monetize them.

Spread the word about these skills and confidently charge money for them. This will serve as an extra source of income for you.

6. Flee Debt!

You’re too young and too cute to be in debt sis. Try not to borrow, especially if it is not urgent. Live within your means always.

Not only do unpaid debts make your relationships sour, it also reduces the amount of money you have to spend on yourself when you receive your next income, making you run out of money early and pulling you back into debt. See, it’s a vicious cycle.

If you must borrow – please try to pay back as soon as possible. Don’t hide from your debtors – be transparent, this ensures that if you ever need to borrow again, you are creditworthy enough for friends to comfortably lend you money.

Whatever you do, run away from debt!

Always live within your means Click To Tweet

7. Already up to your neck in debts?

Don’t worry – create a space in your budget for the repayment of these debts. Split them up into manageable bits, create a plan to repay, and discuss this plan with your debtors. Back up your words with action and ensure that you pay back as planned.

I wish you the absolute best as you SLAY your financial goals!


If you’d like to share your story with She Leads Africa, let us know more about you and your story here.

Master the art of the side hustle in school

If you are an active person in school you probably have 2-3 things going on at the same time Click To Tweet

In university, it becomes important to effectively balance the primary purpose of being on campus (school) with every (and I mean every) other activity you have going on.

From my first year in school, I was always involved in multiple activities. I worked at the school’s radio as an OAP, I worked as an event host within and outside the school and the state. I worked with several magazines, writing for them, raising funds, planning events etc. I had obligations in church…phew!

In my final year, there was the main school project, several committees, freelance writing jobs, a sewing and a buying and selling business, a costume creative group, and of course church.

For a student, this is equivalent to having side jobs and a main job. In this case, the main job is school and that is your starting point. How do you juggle all of this?

1. Your primary focus will determine the spare time you have

Like it or not, love the school (course) or not, you are bound by your academic schedule. That is your 9-5. (Or 6.30-5 in some cases ).

When you have your school schedule (timetable ) down to a pat, then you can begin to fix other pieces in place.

2. Work smart,not hard.

Cliché but true. And no, I am not advocating for class skipping. It will go a long way to help balance your multitasking if you quickly figure out which classes are necessary, important, compulsory and useful.

I have seen students wait around for the next class, staying on in spite of there being no classes. They just hang around. Except when you are networking or gathering information, you don’t have that luxury.

3. Every second of the day counts.

Tick tock.

You work with time. 30 minutes is ample time to fix one or two things within a given period. You might end up wasting time if you have no idea how to effectively use the free moments you have.

4. Know those who can help you ease your burden.

In this case, the “who” will be your class representative. A cordial relationship with your class representative puts you in a position of information.

A typical day for me starts the night before. I call my class representative to ask for shifting class schedules, classes most likely not to hold, vital information and anything that will save me from making an unnecessary trip inside school.

A good school squad (if your squad is not in your class), is needed to cover up lapses in the case you get stuck conducting other business. They are your support team.

5. Follow a daily plan

My planning culture from school has helped me till this moment. I make a weekly plan, a very big one. It is colour coded to accommodate classes, meetings, jobs, church obligations, business and whatever I might have going on, including fun time (totally needed). Then I break them into smaller blocks by the days.

I then proceed to pen into my mini planner (small enough to fit into an average clutch purse) the activities that are high on the priority list outside school, because that is a constant. The list in my mini planner are the things I must complete. These are the jobs, clothes to sew, meetings, assignments, etc. You consult this planner like an Oracle on an hourly basis. Ticking off one completed task after the other can be fulfilling.

Finally getting yourself into a good head space each morning will go a long way to prepare you for your almost topsy-turvy day. Personally, for me to start a productive day, I need the following; prayer, exercise, a glass of water and a good breakfast.

NB: Priscilla’s all important bag contents for a work day

1. A tote bag (to carry everything!)

2. Bottled water

3. A fruit/chocolate bar

4. Bubblegum

5.Sunglasses

6. Slippers (for when I wear heels or loafers)

7. My planner

8. Any work related items

9. Earphones

10. Hand lotion

11. Lip gloss

12. Wipes and mini tissues

13. Pens

14. A cabman. He won’t fit into a bag but is necessary for mobility.

KudaRachel: The accidental entrepreneur proving age is no excuse to not venture into business

I used to be so focused on my competitors until I realised that everyone is different Click To Tweet

For Kuda, the 18-year-old founder of KudaRachel, failing to find a reasonably priced corsage for her high school prom proved to be a blessing in disguise; it birthed the idea of creating her own. The then 17-year-old learned through trial and error before finally perfecting the hand-made corsages and boutonnieres. After seeing her daughter’s creative invention, Kuda’s mother suggested that she sell them, which Kuda did. “I posted photos on facebook and 12 people bought from me! The fact that people wore the work of my hands on such a huge night of their life filled me with immense pride and happiness.”

Realising that corsages were only a seasonal thing, Kuda embarked on another great idea, extending to African print accessories. “African prints were the perfect choice because they can be worn in any season. The idea to venture into African accessories came at a perfect time my mother was preparing to go to Zimbabwe for the first time in 6 years. I happened to have $50AUD in my bank account which I gave to her to buy me African print fabrics. ’’

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Product differentiation is an essential element in business and KR fashion’s specialty factor is that each product is customer oriented not just mass produced. As Kuda says, time and effort are spent on each KR piece and they pay attention to detail. “I used to be so focused on my competitors until I realised that everyone is different and that no idea under the sun is new. Everything is just a different version of the original! We may make the same things but we each have our own visions therefore, we’ll each have our own target markets. I really do believe in the saying, ‘There is space for everyone at the top.’”

Kuda also shares that she connects with other people in the same line of business as her to share ideas. She even sometimes provides fabrics from her suppliers to them. Obtaining fabrics is a major challenge in the business as she claims that the fabrics in Australia a super expensive hence outsourcing them is the better alternative even though large shipping costs are incurred in the process.

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Giving back where it counts

KudaRachel is not just concerned with making profits but fuses social entrepreneurship as well. The social enterprise is visionary and has three main aims which it is committed to. “KR aims to make a difference in people’s lives through fashion. I want fashion to be able to pay for someone’s education or put food on the table for someone in need! KR supports a charity each year.” Since its

Since its inception, KR has been supporting Act for Peace by donating 50% of profits from its KR merchandise collection. Kuda further adds on, “In 2016, I represented KudaRachel and did a ration challenge where I got sponsored to eat the same rations of food that a Syrian refugee would eat for a whole week. So far we have raised AUD$439 worth of donations and sales from the KR Merchandise.”

Marco and Michael

Concerned with youth development among its social aims, KR provides opportunities to upcoming talent. Having realised one the main difficulties young people face when looking for jobs is concerned with experience, KR gives them a chance to build their portfolio since most big corporations turn them out. Currently, the business team is made up of 2 main photographers; Feranmi Taiwo and Kelsey Grant, 2 seamstresses, and the models and make-up artists who rotate according to the type of shoot they are holding.

The KR website is also a wall of positivity filled with quotes and the blog journey of the KRfam. This is just one of the many platforms KR uses to interact with its clients. The evolution of marketing hasn’t been the same with the arrival of social media marketing. Kuda certainly lets in that it has had tremendous benefits on growing the business. “Social media plays a big role in bringing clients, we use Snapchat, Facebook, and Instagram a lot (just type Kudarachel in all of them). Through them, we have managed to attract customers from countries such as USA and UK.

Hustling while being a full-time student

As a full-time nursing student, it is a wonder how Kuda manages to keep her business afloat, especially when the two industries; fashion business and nursing are so unrelated. She credits the success of the business to a lot of time invested in financial education. She has taken it upon herself to learn as much as she can about the business aspect.

“I read a lot of books and blog posts by people I look up to; Daymond John – “The Power of Broke”, Janine Allis – “The Juicy Bit”, Sophia Amoruso – “Girl Boss” and of course SheleadsAfrica blog..DUH ahahA. Everything I have learnt so far is through the internet, books, other people and trial and error. I’m excited to keep on learning. It also helps that I have a mentor Alyce Schlothauer who is helping me with my overall branding strategy while Shingai Manjengwa advises me on how to run my business.”

Kuda certainly credits the success of the venture to the entire KRFAM’s support which is made up of her customers, her mother, friends, and family. She had to sacrifice a lot of her time in order for KR to succeed, cut back on going out and invest instead on special events such as friends’ birthdays.

Everything I have learnt so far is through the internet, books, other people and trial and error Click To Tweet

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Embark on business for the right reasons

Her last tips for budding entrepreneurs, “It’s really hard work to be honest. Being your own boss means that when you are starting out, normally your funds are limited hence if you don’t do it yourself, no one else will. You will have to wear the hats of a cleaner, secretary, salesperson etc. When people look at KudaRachel, they see the beautiful models in gorgeous clothing with hair and make-up on fleek. What they don’t see is the sleepless nights I’ve had to think and create it all.

“They don’t see the long trips I take by bus to search things for clients or my mother sacrificing her precious time to drive me places because I am still working on getting my license or the struggle of working in a small bedroom.” Her advice to anyone starting out is to embark on a business for the right reasons not solely because they want to be their own boss or to make money. “Anyone can start a business can start a business but the real test is to see if you can be dedicated enough to continue working on it through the challenges even when the revenue doesn’t come to you immediately.”


If you’d like to share your story with She Leads Africa, let us know more about you and your story here.

Degree in view: Five things you must start now

Don’t pause your life in university, you can't expect to play it back after your degree Click To Tweet

Shout out to those of us that are yet to officially stop getting monthly allowances and still basking in the euphoria of the school life freedom.

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Undergraduate life can be amazing, and besides attending lectures (and partying non-stop), there’s a lot more you can do while still in the ivory tower which would be healthy for you and your future, sista.

So before, you join the 9-5ers or labour market or whatever it’s called, here are five things to start now to save you some stress in the future

Be independent and explore your options. (Yass girl, start learning to do things on your own).

how jessica gifTake responsibility for yourself and your actions now and start gathering up skills and those sorta things you would require to be your own #MotherlandMogul. Start making great and valuable decisions that would do you good years from now.

Regardless of the course you might be studying (whatsoever course) try your hands on a couple of other extracurricular activities and studies. You could learn a second language or some photography, or even try participating in an art exhibition. A professional job and a side hustle never hurt anybody, plus you never know where your big break would spring from in the long run.

Talk to your career counsellor, get a career mentor...and other things to start while in uni Click To Tweet

Get all the advice you can and enjoy the process

Talk to your course adviser or career counsellor (inasmuch as it might be boring). Get yourself a mentor, gain as much mentorship knowledge as you can about your career path. The internet is also a great stop for amazing career advice.

Read with a lil’ dash of fun

Immerse yourself in schoolwork, attend classes, never miss an assignment, read, read, and read, anything to come out with a turn-up degree, and do this while having a good time (cause we girls, are smart like that). You could try organizing a creative and fun study group with a few smart friends, that way, studying wouldn’t be so boring.

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Have safe fun as much as you can, but whatever you do, don’t stay partying on the eve of your exams, you are on your own.

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Spice up your profile

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Create a professional online presence for yourself towards whatever path you are looking to take in the future. Know what you really want to do; the kind of job that excites you and start building yourself and your resume in that direction (you do not want to come out of school with only your name and personal profile barely half page on what should be called your resume, nah).

You can start building yourself and your career strategy while in university Click To Tweet

Research on specific companies you’d love to work with in the future and apply to intern with them, chances are that they might want to retain you after you get a degree, or not (anyways, you still lose nothing).

Jumpstart your career

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School is the best place to start your career and your friends and classmates are the best customers you could have. However you start up, chances are that you will likely get loyal classmates and friends that’ll want to help your hustle. Don’t dull, take advantage of the university environment before you are shown the door out.

Start gathering your Oprah money:

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I know everybody talks about money, and honestly, we all need money to survive. So whether you’ll be gathering up from the tons of free money that comes your way while in school or from all the monies you’ll come to earn from doing jobs or having a business, start investing your money and saving enough cash for you and your great future of responsibilities.

Start making every second count now. Don’t pause your life, expecting to play it back after you’ve gotten a degree- nah, because when the degree comes, you’ll be in for some shocker reality check. Don’t take it personal though, everybody faces the check.

Michelle Orlendo: Helping women appreciate African-textured hair with the Nywele Chronicles

michelle orlendo
There is no harm in trying. Do not be afraid of failure, keep trying - Michelle Orlendo Click To Tweet

Natural hair, especially 4c textured hair, styled in a simple yet luxuriant look has been frowned upon by many. We often hear people classifying it as an unkempt and unruly look. However, Michelle Orlendo, is changing that perception daily one head at a time. Michelle is seeing to it that as many women in Kenya transition and embrace the beautiful and natural look as possible.

Tired of chemically and heat treating her hair, which had lost volume, and inspired by the fact that African women were rocking their natural hair and slaying, the 23-year-old Michelle woman embarked on a journey of being a naturalista.

The big chop

Michelle Orlendo went for the big chop in July 2015, to the chagrin of many. She had shoulder-length, flowing heat-treated hair, an ideal look for many. As she began her journey slightly over a year ago (on 25th November, 2015), Michelle vowed to involve other women. She especially targeted young girls who would aspire to go natural but lacked the motivation and/or guidance.

The journey ahead was full of trials, criticism, moments of almost giving up and a lot of doubts. However, it began with the opening of a Facebook page dubbed “Nywele Chronicles”, (Nywele is hair in Swahili).

Michelle invited her friends to like the page initially. Only a few liked it, but the fan base gradually picked up through her consistency in giving what the audience wants.

The Nywele effect

A few months after her big chop, Michelle’s hair grew tremendously and ladies started asking questions. Michelle describes her hair as a reflection of her soul, and her hair was glossy and really kinky —in every sense of African amazing kinky.

Questions came pouring in, people wanted to know what Michelle applies, how she styles it and protective styles they could use. With every question came the realisation that she could start a blog. Michelle thought to move away from only posting pictures on her social media platforms, but also write reviews of the products she used and how she styled her hair.

michelle-orlendo-2From it’s inception, Nywele Chronicles gained a huge amount of followers who genuinely wanted a smooth transition from chemically treated hair to natural hair. Michelle became a hair consultant of some sort. Ladies would approach her to feel her hair and request her to cater to theirs the same way. Her glorious mane turned heads in school, Moi University, as people started calling her by her page’s name, Nywele Chronicles.

“It has not been an easy journey to keep my focus on updating my social media pages, getting the time to do tutorials amongst other things.” Michelle says. “I’d have given up were it not for my passion and the strong support system I have.” This is how Michelle Orlendo persevered through the challenges to get to the one year mark.

Aiming to encourage women to love their natural hair

Michelle hopes to have her own products that cater to African-textured hair in the market, in a span of less than 5 years. With a salon to her name and a degree in Trichology —a branch of dermatology that deals with the scientific study of the health of hair and scalp— a consultancy will come in handy.

With her experience, Michelle always looks at people’s hair and analyses it even before touching. She can easily tell hair that lacks moisture, too much heat treatment and malnourished hair.

Michelle Orlendo stays motivated by the fact that Nywele Chronicles will soon be a business Click To Tweet

Now in her final year studying Actuarial Science, Michelle Orlendo stays motivated by the fact that she will soon be turning Nywele Chronicles into a business. Aiming to encourage women to love their natural hair is her tag line. This is being actualised as Michelle is helping transitioning women to wear their natural look, and feel glamorous while at it, through Nywele Chronicles.

She further adds that the initiative has really helped build her confidence and esteem. Going natural has made Michelle appreciate herself holistically and opened a new window through which she views herself.

To everyone that wants to venture in the formally perceived ‘not-so ideal’ courses and activities Michelle Orlendo says;

“If you feel like the timing is right to do anything that you want to do, go ahead and do it. Forget what people will say and do it. There is no harm in trying. Do not be afraid of failure, keep trying.”


Want to see women you know featured on SLA? Tell us what amazing things women are doing in your communities here.

Amal Oumimoune: Stand out from the crowd by doing what you admire

amal oumimoune she leads africa
It’s always beneficial to stand out from the crowd by doing what you admire - Amal Oumimoune Click To Tweet

Amal Oumimoune is another Moroccan student running things. She’s in her fourth year studying business at ENCGA (Ecole National de Commerce et Gestion d’Agadir) —that’s National School of Trade and Commerce in English. As a #MotherlandMogul in the making, Amal has started making moves while in school.

With friends, she started an English club at ENCGA that helps other students practice English while developing leadership skills. Through this club, Amal has boosted her organisational skills and has come in contact with important personalities from all over the world.

Amal also started a Korean-Moroccan Association with fellow students which is bringing the Hallyu (Korean pop culture) wave to Morocco. On top of that, she’s a polyglot who speaks/understands 5 languages! Basically, if you’re a student, you should be like Amal Oumimoune.


Tell us about ENCGA’s English club, what are your plans to grow it in the next five years?

The ENCGA’s English club was created in 2014 by a group of English enthusiasts; it’s a space that gathers ENCGA students in order to practice their English and develop their debating and leadership skills through holding weekly talk sessions and also hosting international speakers to share their experiences.

Last year, we had the pleasure to host authors from the US and Singapore, and some exchange students from Guatemala and Brazil. Also, we had the chance to indulge in the company of two Fulbright exchange teachers.

I am so thrilled to be this year’s team leader! There are many plans I would like the club will accomplish. For example, the first “little free library: take a book and leave a book” in our university to encourage students to read more. Also, organizing leadership and writing workshops, as well as continuing hosting inspiring personalities.

The English club is from students to all the students so we work as a team and we welcome everyone’s suggestions and ideas.

Based on your experience at ENCGA, what tips do you have on hosting international personalities for local events?

When it comes to hosting international personalities having a wide network always works. Also, keeping an eye on every opportunity is quite important. If there’s someone in town, why not contact them and explain the whole concept of your organization?

Most people nowadays are open to sharing their ideas and experiences while discovering another culture and meeting people from different backgrounds. What matters the most is to stay updated and have the needed information about the person you’d like to host.

Amal Oumimoune shares her tips on working with embassies from her experience Click To Tweet

Why start a Korean-Moroccan Association? Is there a particular reason young people should want to learn Korean?

Korean culture is well promoted nowadays and many youth in my community wanted a space to share their passion for the land of morning calm. Since there are many people interested in this culture, we resolved into founding Hanmate the Korean-Moroccan Association in order to encourage cultural understanding through both education and entertainment.

Although there’s a lot of difference and distance between the two countries, we strive to bring their cultures closer. The Korean language is not widely spoken in Morocco; it’s always beneficial to stand out from the crowd by doing what you admire.

However, many young people desire to learn this language due to the Hallyu (Korean wave). This refers to the popularity of Korean entertainment such as TV dramas and pop music. The Hallyu wave gives consumers a glimpse of South Korea and makes them want to learn about every aspect there is, including the language.

amal-oumimoune2As you’ve partnered with the South Korean embassy in Morocco, what advice do you have for other young people looking to collaborate with embassies and international organizations?

In order to collaborate with embassies and international organizations, it is really important to build a notoriety and visibility for your organization. This starts from adopting an effective communication plan, to share all the amazing work your organization is doing.

It is always helpful to differentiate yourself from others by taking measurable risks and thinking outside the box. What matters the most is to work earnestly and being creative.

In this regard, we organized the first event of its kind in all Morocco, “Taste of Korea: the Korean cuisine contest”. This contest was the beginning of our partnership with the Korean embassy.

Besides, we had the opportunity to have a native speaker as a Korean teacher. That sort of worked as a tie between us and helped circulate information better. Overall, we are lucky since the Korean embassy is quite helpful and encouraging.

Tell us about the current project you’re working on. What kind of educational program(s) are you in the process of designing to encourage girls’ education?

The project that I’m currently working on is an educational program that will provide young girls with a place to express themselves and develop their potentials. Zahra Program will focus on four components; language, creativity, leadership and orientation.

Learning English can be very empowering, and allowing young girls to express their talents and emotions through artwork is very healing. Zahra Program’s mission is to empower and enable young girls to develop their skills and self-esteem and encouraging them to give back to their community by educating them in different aspects.

I’m really passionate about this project. As a young girl, I struggled with a lack of confidence and self-doubt. I was given the chance to be a part of Access program and that helped in shaping the person I am today.

I really want to provide as many girls as I can reach the same opportunity I’ve been given.

Amal Oumimoune: I really want to provide as many girls as I can the same opportunity I’ve been given Click To Tweet 

I’m assuming you’re multi-lingual, what’s your secret to learning/speaking many languages?

Indeed. I’m fluent in Arabic, French and English and I’m yet a work in progress in Korean and Spanish. The mystery of learning languages is actually to indulge in it, don’t confine yourself with textbooks and classes.

Just carry the language you’re learning wherever you are and be as creative as possible. You can’t separate language from the culture, so try discovering it either by tasting food or having foreign friends with whom you can practice the language.

I’ve always been driven by my curiosity and passion to explore everything that’s new. In times when that spark fades, I remind myself why I started or take a brief break to return with more energy.


If you’d like to share your story with She Leads Africa, let us know more about you and your story here

Leslie Ossete: Improving lives through better transportation

leslie ossete she leads africa

If your mission is improving the lives of millions, you’ll find some similarity with Leslie Ossete. She is one of four co-founders of Magic Bus Ticketing, an offline SMS based ticketing system. Magic Bus Ticketing aims to improved lives by simplifying how they interact with transportation.

It’s a student start-up that lets bus commuters know when the next bus arrives and how much it is charging. It also allows payment through mobile money.

Recently, Magic Bus Ticketing won $1 million dollars from the Hult Prize. Pretty amazing, right?


Let’s start with the Hult Prize. Congrats on winning the $1 million! How do you plan to use the money from the prize?

Thank you!

After a year long process, Magic Bus Ticketing has finally won the Hult Prize, which awards $1M in seed funding to the winning start-up. My team was among the 5 finalists out of 25,000 applicants worldwide to
compete in what is now the largest student competition for social good.

This September 20th at the Clinton Global Initiative in New York, we pitched our innovation in front of notable judges such as Bob Collymore,
CEO of Safaricom, and Akinwunmi Adesina, President of the African Development Bank Group. And, we won!

The $1M prize is distributed to Magic Bus Ticketing through monthly instalments. Depending on how much is required to effectively run the business, the Hult foundation makes funds available to Magic Bus Ticketing.

Magic Bus Ticketing will use the million to fully launch its operations in Kenya, and scale fast to other East African countries with similar market conditions, Tanzania and Uganda by the end of this year.

You are from Congo Brazzaville and Madagascar, why set a company in Kenya?

I grew up in Brazzaville, and my team-mate Wyclife is from Nairobi. Both of us as Africans had experienced similar challenges in public transportation; long wait times at the bus stop and inconsistent pricing when it comes to bus fares.

We decided to focus our pilot in Kenya because first, Nairobi is one growing tech hub on the continent. Second, Nairobi has the fourth highest commuter pain point according to IBM. And third, there
had already been a lot of research and initiatives done towards using technology to improve public bus transport.

In fact, Nairobi is a place of innovations. Several projects to introduce cashless payments in the bus system had been led, such as Google’s BebaPay bus card.

What sparked the idea to integrate urban commuting with mobile payment?

The public bus system in Africa is mostly privatized and informal. The day-to-day operations are run by a crew of drivers and conductors who earn little money from their hard work. That pushes them to overcharge
commuters for their own benefit. They abuse the current cash system to set higher fares based on demand and supply.

For instance, in Nairobi when it rains, the bus fare triples. Commuters themselves don’t like to carry cash around. They worry about pickpockets, and not being able to get their change back in the bus.

Furthermore, the police also abuses the cash system. Police officers know the bus crews carry cash 24h/24h, and do not hesitate to fine them for absurd reasons. We envision that cashless payment in the bus industry will bring more safety and order. We believe the way to implement a cashless bus system is through the use of mobile money, which is already widely used in East Africa.

It is quick, accessible, and locally relevant. Prior initiatives have been using bus cards linked to banks, but most people don’t have bank
accounts, banks have high transaction fees, and buses need liquid cash on a daily basis.

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What steps did you take to grow your company by 5000 booked tickets in less than two months?

In order to acquire a customer, you must spend on marketing. We did a lot of mass-marketing through social media platforms such as Facebook, Twitter, and Whatsapp groups.

We also do outreach marketing, implementing stalls at university campuses. Furthermore, we do collaborative marketing with the bus
operators themselves, handling flyers to commuters, in order to build trust with potential customers.

Last but not least, we also do product demos of our technology at major bus stops. As we launch in Nairobi, we will expand to advertising through radio, TV, and billboards.

What does a student start-up need to thrive and be successful?

A student start-up needs to be backed by a board of advisers, with a diverse background and expertise. Magic Bus Ticketing consistently asks for feedback from renowned experts in the fields of transport, technology, finance, and organizational management.

Our advisers come from valued institutions such as the World Bank
and MIT university. Briefly, a student start-up needs to create for itself a network of mentors who understand the goals and challenges of the organization —no, they don’t have to come from particular institutions, but they have to be right for your organization.

For example, for Magic Bus Ticketing, one of our key advisor is Bernard, who has been a bus driver in Nairobi for the past 10 years. That’s real knowledge!

Perseverance is key, even more for student start-ups, to succeed. I remember our humble beginnings on our campus at Earlham College. Our initial plan was to add more buses on the roads, and to provide commuters with a subscription model to access buses on-demand. Our buses were supposed to have TV screens, Wi-Fi, bike racks, online libraries, and much more.

We presented this idea at the local Hult Prize at Earlham, and were not selected to attend the regionals. It was extremely upsetting because we all knew we were tackling a real challenge in public transportation. We had to iterate our business model, and re-apply online to ensure our spot at the Hult Prize Boston regionals, which we won. Without perseverance, we would not have come this far!
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What do you think of the industry you work in? How do you plan to remain consistent?

Magic Bus operates in the public bus industry in Africa. It’s informal, somehow chaotic, highly tied with politics, and mostly men-dominated.

As a young African woman, it’s often difficult to have your voice heard
in the middle of such chaos. However, optimizing our public bus system through technology is a challenge that I am willing to take!

If you could wake up tomorrow as someone else, who would you pick and what would you do?

I would definitely love to wake up as FLOTUS Michelle Obama. The first thing I’d do is to present my candidature to become the next President of the United States.

I strongly believe she —a highly educated African-American woman— has the right calibre to run the country.


If you’d like to share your story with She Leads Africa, let us know more about you and your story here.

7 fashionable pieces to shop for in varsity for the office life

Start shopping for the office life while in university with these tips Click To Tweet

Most people who make the transition from being a student to a working individual know the truth. Contrary to the popular notion that it gets better once you can tweet “pay day”, the financial side of your life won’t get any easier for a while… Those first few months will have you catching a case while you wait for the bank’s notification.

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With justifiable reason, companies that hire and place interns/trainees to low-earning entry-level posts expect them to dress in a way that’s not just fashionable but professional. School-leavers then face a huge challenge. How can you quickly adapt to the professional standards at the office while stuck with a very small rigid budget?

After struggling to put together a ‘formal’ outfit for my very first presentation during my first year of varsity, I made up my mind to start shopping smart. I have become one of those people who spend hours in one shop, mixing and matching outfits, trying on tens of clothing items.

Since then, I have learnt something new about shopping. It is fun and fabulous, but it is also a whole process on it’s own. Unless your budget stacks plenty of digits, you need to take your time and be strategic about it.

Following some research in my own closet and on trending fashion blogs, I have 7 dress ideas for just-graduated women.

1. Wide leg pants

Better known to me as palazzo pants. When I first spotted these in the market years ago, I didn’t think I could ever wear them. But when they came back in a whole variety of heavier fabric and colours, I couldn’t help myself. They had suddenly become more fashionable.

I loved and got this simple but gorgeous high waist black pair early this year and I have been Olivia Pope’ing successfully since. For the office, you can go for a normal button-up shirt and throw on a blazer, complete the look with a simple neck-piece and graceful heels.

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Once you leave the office, you can ditch the shirt for a fun top and finish off the look with a pair of sandals or pumps.

MotherlandMogul Tip: This is the best time to play around with different fabrics, try to keep your selection light because heavy fabrics tend to formalise most outfits.

The benefit of owning a black pair of wide leg pants is that it makes it easier to play around with the colours of the top and shoes. Popular colour alternatives that are just as easy to transform between the two styles include beige, khaki, brown and rose gold.

If wide leg pants aren’t your style, you can opt for the newly popular paper bag waist pants or classic straight leg formal pants.

2. Black pump

I know a whole lot of girls that can testify that the black pump saved their lives, I know I can. Whether it is for the walk to the office or for school, this fashionable item can do it all. Not only are they durable if you take good care of them, but they are affordable and can be found almost everywhere.

Remember to give them a good wipe down every now and then. Also, keep them in a cool place, dirty or smelly pumps don’t do much for anyone.

7 dress ideas for just-graduated women navigating office dress codes Click To Tweet

3. Plain t-shirt

That is actually a men’s shirt (yes, that can be fashionable for ladies too). I had bought it as a gift for a friend, but I found myself falling for it so I got him something else instead. I would suggest you settle for colours like white, grey and black or any light shade.

If you can make any other bold colour work then by all means, go for it. You can finish off the shirt for both styles with dark accessories (depending on the shade of your shirt).

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For the office, it helps to cut the shirt off way up top, a high-waist skirt should do the trick. For a more laid back look, pair the boyfriend jeans with walker boots or pumps instead of heels and if it tickles your fancy, throw a kimono over the shirt.

This look is especially convenient for when you have a casual occasion to attend after a short day at the office because you can quickly change out of the skirt into the jeans.

4. Court heels

Where do I start? I absolutely love courts! Whether they are floral, lace-ups or just plain, these babies are beautiful and fashionable. Once you find your ideal pair, you’ll find that they go well with almost every outfit you can scramble together.

When shopping for court heels, like with every other shoe, it is very important to shop your correct size! If you buy a size that’s too small for you, you might not have any toes after walking in them!

The truth is, that pointed little front can be quite cruel to your feet, if you give your toes little to no room for movement.

Did you know a delicate chiffon shirt is one of the easiest pieces to style? Click To Tweet

5. Chiffon shirt

Whether it is long sleeved or short, a delicate chiffon shirt is one of the easiest pieces to style. It is a very light piece of clothing so ideally, make sure you wear heavier bottoms with it. These type of shirts usually have some kind of detail along the neckline or collars so you need not worry much about accessorizing.

Any plain pencil skirt works with this shirt. To bring the fashionable look together, add in a bold pair of platforms or boots. Platform and boot heels are usually heavier than any other heels for obvious reasons and like I said, the heavier your bottom, the better.

7fashionable-image4For a casual look, switch the skirt for a blue denim. If your shirt has a lighter shade (between white and blushes) pair it with a lighter shade denim, and if it’s more solid and saturated, pair it with a darker denim. Finish the look off with a colourful pump or wedge.

6. Skinny scarf

Whether it is made into a tie, or a bow, or just hung casually around the neck, the skinny scarf is definitely a good investment. This very humble yet fashionable item works perfectly with almost anything you can think of. It is found in a wide variety of textures, colours and prints. This super skinny silk piece is one of the hottest in the fashion scene right now.

If you can’t find a skinny scarf, you can settle for an ultra slim tie or the fuller summer scarf. There are hundreds of tutorials online that show different ways to rock any type of skinny scarf. If you hopped onto Google right now, I promise you wouldn’t come up dry.

This very humble yet fashionable item works perfectly with almost anything Click To Tweet

7. Casual skirt

This is my absolute favourite, the playful skirt. This little number is perfect for budget-conscious young women because it looks great with stockings and boots for winter too.

For the office, I choose a very soft brown chiffon shirt and strappy heels, lace-ups are also good for this look. Although you can opt for any other heels, try to make sure they don’t cut your feet off, let your feet breathe!

7fashionable-image-5I pair the skirt with a bold burgundy short-sleeved turtle-neck for a flirty and fun look. Pair it with your All Stars or similar shoes and a cute backpack for a young clean finish.

So now you know! The next time you plan a shopping trip, be strategic about it, make the fitting room your friend and most important, take your time!

5 things to do before leaving school

All students should make plans for life after school if they plan to be #MotherlandMoguls Click To Tweet

One of the biggest mistakes students make is avoiding the future. That is making no plans for after school or laying down foundations for post graduate life. Many times, you see graduates sitting at home even after the one year National Youth Service without potential jobs or side gigs and no money.

With the rate of unemployment, post-graduate life is scary. That’s why you shouldn’t be slacking! Here are a few tips on things to do before leaving school so you’re on top of your game after graduation.

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1. Save up

Whether you are in your first year, your last year or in-between, if you haven’t started, it is time to get on the bandwagon.

A little sum put away at intervals makes a substantial sum at the end of the day. Sometimes, the money is just not enough, we get that. Still, shaving a little off the top before facing your list of needs and wants, helps build a safety blanket.

This may help finance a start-up venture or provide sustenance during the dry after-school days.

2. Lay it all out

Things don’t always go the way we plan but trust me girl, it feels good to have a plan. Now, I am not just talking about relationship and marriage plans, which are needed. I am talking business and entrepreneurial visions.

Map it out. Map the road to those goals out too. Yes, things change, life happens, and sometimes we have to make some tweaks to our initial plans. Yet, it is necessary to have something to look forward to after school and to work towards them.

Your plan will determine how you work in school. Your grade points and your business life will also be geared towards those visions. Think this is too much work? Don’t, you’ll be thanking us in the future.

Your future plans will determine how you work while in school Click To Tweet

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3. Make use of the opportunity

If you plan on working within your course of study then being in school is the right time to become a member of the professional body of your course. Here’s a tip, it is usually cheaper to join professional bodies as students than as postgraduates.

Another thing to make use of is online courses. Most campuses have free or cheap WiFi access and most service providers have special plans that are campus oriented. Use this to your advantage and get a boatload of free or cheap relevant online courses without breaking the bank on data charges.

Business wise, you can use the opportunity to hone your skills, go online and improve your work. Though the workload might be bulky, students still have a great chance to fit in extracurricular activities.

So, rather than spending too much time partying it up (this is needed but it’s not a priority), carve out time to use what is available to you to get what you want.

Start making friendships that will last a lifetime while in university Click To Tweet

4. Squad goals

Yes! Start making friendships that will last a lifetime. This is the best period to build your support team and your squad.

You can figure out people of like minds, goals and visions, people with the ability to propel you. No haters, slackers or scrubs need apply. You need true friends to stand by you.

Friends whose lanes cross with yours, but never clash. This can be the foundation of an empire tomorrow. Squad shopping is slightly hard but not impossible. Making close-knit friendships post-school can be hard but in school you have lost of time for girls night out and everything in between. You get to plant, water and grow something beautiful —your squad.

5. Please LIVE!

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You know the saying, “don’t just go through school, let school go through you”? Live, savour every moment, do not zone out and do not go through school in a haze! Make sure your time in school is filled with memorable days.

Keep a journal if necessary (which is like totally necessary). Make mistakes and learn. Get yourself out of messes, dust yourself and go on. Let your school life be one massive “WHOOP!!!!” with a lot of “yays!” and a few “oops!”

Live, savour every moment, do not zone out and do not go through school in a haze! Click To Tweet

Go all round, do not be fixed, fit in, then stand out. Complicated, yeah? But no. There are places to fit in and there are other places where you need to do you. Be well rounded, academically, socially and spiritually. Make every moment count and have an amazing squad to share them with.

Finally, here is a toast to you for the amazing journey you will embark on.

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Starting a business while in school

So, you’re in school and you want to go into entrepreneurship? Cool! I like playing dangerous too.

taraji-clapping-gifGone are the days of waiting after graduation and getting a job. Gone are the days of “business is for uneducated people”.

Come on, you and I know better and frankly, starting a business when you are in school is probably one of the best ideas. It gives you time to prepare for “post-school” days. Starting a business is never easy, but here are a few tips to help you get started and stay on the hustle.

Eureka!

First, get the idea!

You can either be innovative by starting something new or redefining something old. Usually, most student campuses are filled up with people peddling the same wares in the same manner.

If your idea is based on an already existing idea, then you should be one step ahead of those already in the business by having a modification.

New ideas are always fresh.

Analyze the demand rate for your product (goods or services). This can be done either by studying the existing market for an already existing idea or carrying out a mini survey for a new idea.

You should be sure of your target market, which should mostly be students. But also consider, do you provide services for the non-student members of the community? Make sure your idea has no legal implications.

Evaluate yourself

How much technical know-how is needed in the business? How much do you know or can you provide? Do you have what it takes?

Should you first acquire certain knowledge and skills? Do you have the time to see it through?

These are some of questions you need to ask yourself when self-evaluating.

Research the competition

No, this is not spying or “copy-catting”. This is purely a form of business survey.

Some of the important things to research include, who your competitors are, any similarities in business (yours and theirs) and how long they have been in business.

How do they relate with their customers? What is their price range? et investigating and uncover these facts about the competition.

Plan 

taraji-blackboard-gifYou remember this… (s)he who fails to plan, plans to fail?

You might think you’re an expert in the field you plan on venturing into, but if you do not make concrete plans, you are just an over experienced failure waiting to happen.

I want to debunk the notion most student entrepreneurs have about starting a business in school and ending it after school. Except you are only into business as a means to pay the bills and not interested in expanding what will become your brand, then you shouldn’t think of a business that will stop after graduation.

Most successful #MotherlandMoguls started in school and grew it from there. So, your  business plan  should have room for growing the brand outside and after school.

Partners?

Is this a one woman venture or a partnership? Your partner can either be someone who has been there from the word go and is willing to invest time and money, or someone who started with you but wants to only invest money. She can also be someone you pair up with later on.

Is it necessary to have a business partner? The nature of the business will determine that. If it is a service providing business like home cleaning services, then the answer is yes. You will need a partner, if not at the beginning, then later on.

Let’s talk money

get the shmoney gifI know this is a the one that will probably interest you the most.

Where do you get money for your business? Well, this should also be in your business plan. Here are some sources you can raise money from:

  • Personal savings- You should have savings, everybody should.
  • Donations from family and friends
  • Loans- check to see the types of loans available to you as a student and the general ones you’re eligible for.
  • Thrift collections- These are local saving schemes that afford members the opportunity to take loans based on the arrangement. Ajo/esusu is a popular type of thrift collection in Nigeria.
  • Crowdfunding.

On your marks…

uzo-aduba-born-ready gifReady?

Before you start, check to see if you have most of what you need, and if you do, start. Do not wait to be 100% ready, just do it.

Advertise and network

Well, what are friends for? Get your friends to use word of mouth, social media and even school related platform to blow your horns.

Use colourful fliers (duh) to drag attention. Oh and hashtags are another way to go. Network among your peers and  locate your customers.

Goodluck

You are in business, yay!

Keep and eye on your profit margin. Don’t be too keen on the profit at first, just make sure your service or production cost are being covered.

Breaking even at the beginning is a really good thing. But watch your monthly returns and weigh them against your expenses. You should notice a slight growth.

Always take reviews. Do an audit after the first 3 or 4 months and see the places you need to improved.

Good luck dear student Motherland Mogul!