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Ndovu
Work Your Money.

Fresh out of campus, I was enthusiastic, determined but confused about my prospects. I had just completed a grueling four years at university. Of course, there was little to no useful financial or investment education throughout my education. It is concerning that I learned more than 60-course units but very little of that information is applicable in real life. Don’t get me wrong, learning probability and statistics, behavioural science and management information systems are great, but there is much more we need to know! Students need to learn proper interview etiquette, how to solve problems, plan an investment and how…


1 of 4 millennials have over $100,000 saved in a bank but still are not optimistic about their financial future? Saving is a very good practice for any person that wants to start practicing money management. But it should concern anyone when those who are doing a great job saving are not very hopeful about their future. Saving has been an amazing tool for people to build safety nets for emergencies and accomplish certain financial goals with no need for borrowing.

However, although saving is a good habit to build, it is still not enough to achieve financial freedom!

“Saving money is the first step to grow your money. But, simply saving is an ineffective strategy. To create wealth, savers should go further and invest that saving, becoming investors” says RO, Co-founder of Ndovu.

There…


Real tips from money-saving experts on how to grow your savings and most importantly, how to make your money work for you…

You may think you are miles away from turning into a millionaire but really you are only a few steps away. Here are five tips from experts on how to grow your savings that you can easily action and don’t include removing your weekly karogas…

1. Make a financial plan

All you really need is a plan. Your initial step is to work out what it will take for you to arrive at your money goals. …


You know the feeling. Fresh out of school. Full of ambition. Can’t wait to go out into the real world and be an adult. It’s an all too familiar story in this here our “Kanairo”. We all want to make money, live a great life, and make an investment that made a lot more money, lots of it!

In between promises from our well-off uncles of “You just finish school and bring your CV, a job is always waiting for you.”, …


Welcome to a Ndovu Academy Blog series on investments by an African investor. We tell the stories of different private investors on the African continent and the first investment they made so we can all learn something through their experiences.. We hope this series will be informative, eye-opening, and give you something to think about! For more stories, go to https://ndovu.co/blog . This week we feature Dean, Head of Marketing at Ndovu. Ndovu is an African Investment Platform that allows African investors to invest in both local and global financial markets.

My first investment was four thousand Kenya shillings. About…


Welcome to another short story on financial topics that can seem daunting. This time, we’re speaking about inflation and its effect on money.

What is inflation? Inflation is the decline of purchasing power of a given currency over time. Simply put, it’s a rise in the overall level of prices for the goods & services consumed by households. When a unit of currency depreciates, so does purchasing power, as it takes more currency units to buy the same amount of goods and services than it did in the past.


1 of 4 millennials have over $100,000 saved in a bank but still are not optimistic about their financial future. Saving is a very good practice for any person that wants to start practicing money management. But it should concern anyone when those who are doing a great job saving are not very hopeful about their future. Saving has been an amazing tool for people to build safety nets for emergencies and accomplish certain financial goals with no need for borrowing.

However, although saving is a good habit to build, it is still not enough to achieve financial freedom!

“Saving money is the first step to grow your money. But, simply saving is an ineffective strategy. To create wealth, savers should go further and invest that saving, becoming investors” says Ro, co-founder of Ndovu.

There…


ETF (Exchange-Traded Fund) is an investment fund that allows you to buy a large set of individual stocks or government and corporate bonds in one purchase. ETFs can also be explained as a large grocery basket holding together many various types of groceries, but instead of sugar, meat, beans, rice, cooking oil, and a chocolate bar, the basket was filled with stocks or bonds and you buy them together in one go.

Now, you could imagine ETFs being similar to mutual funds, which is another way to buy many stocks at the same time but there are some differentiating traits…


FinTech Regulation — Summary on how Ndovu navigated regulation

Recent regulatory actions both in China & Nigeria have shown that FinTechs need to keep a close eye on regulation.

A good friend, Samora Kariuki has done an excellent deep dive on the challenges that Fintechs & regulators face in light of the rapid innovation in this space.

As founders of Ndovu, this is a summary of how we navigated regulation in Kenya:

  1. Taken the time to understand regulator motivations & the existing legislation.
  2. As the vanguard of disruption in the ecosystem, it is our responsibility to work with the regulator…

Ndovu’s Key Takeaways from Y Combinator Interview (Winter Program 2021)

2020 is almost over and what a journey it’s been! We’ve been through several learning experiences and one of our greatest moments was Ndovu’s invite to interview for Y Combinator Winter Program 2020 — what an honor it was! Even though we were not selected to this cohort, we gained tremendous insights and decided to share them with you all.

How to prepare yourself and your co-founders

Be prepared, as a team we are always WELL prepared ahead of any meeting way in advance. …

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