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Jumia Reveals Its Future With New Job Postings – And It is Amazing

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“We remain focused on all aspects of our growth strategy, particularly JumiaPay, as we continue to drive its usage in our markets,” Jumia noted in its quarterly report with U.S. SEC.

That was a very powerful observation because no ecommerce company in emerging markets like India and China has done well without  building a great paytech company. China’s Alibaba has Alipay, India’s Flipkart has PhonePe. Jumia needs to make JumiaPay big.

Did you notice a pattern? The PhonePe is the double play for FlipKart. Yes, no matter what is happening in the ecommerce space, the payment arm will be doing just fine [commissions on transactions are assured]. Also, it turns out that successful ecommerce companies like Alibaba (with Alipay) in emerging markets have always have payment units.

To execute this and build a really great fintech business, Jumia has jobs for loan officers. Simply, Jumia wants to build a Lending Business and through that structure will deepen its JumiaPay. This fintech will bring unification of payments, lending and transaction processing at scale.

Our Junior loan officer will assist the development of Jumia Lending in Kenya by presenting our solution to our sellers. He/she will be helping our sellers to apply for a loan, and with the help of the loan officer will review the data collected and the applications. The Junior loan officer will be part of the JumiaPay team in Kenya and work side by side with the loan officer.

Did you notice a parallel with OPay’s amalgam of services like ORide, OTrike, OBus, etc? Yes, Jumia does have properties it can use to stimulate  transactions volume for JumiaPay. Those include  logistics services, hotel and flight booking, food ordering and drink delivery platform.

I expect JumiaPay to become the most important component in the Jumia Group in coming years as it morphs all these pieces to feed transactions into it. Possibly, it can spin it off to give huge payday to its investors. Yes, the ecommerce can struggle but the paytech will win markets and territories – and profits. That makes this super-focus on payment a great move.

And as that happens, a double play is born at scale in Jumia.

Child Protection Suggestions

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Every week we receive news of children molested by adults, teenagers or older children. Girls are not the only victims here, boys also suffer this. We read and hear stories of how minors were molested in their homes, schools, places of worship, neighbours’ homes, relatives’ homes, and so on. The painful thing is that the suspected culprits are usually people these victims trusted so much (this may be the reason they were not detected on time). These scary stories make it known to all of us that our children are not safe unless we take precautions to make them so.

I know a lot of people will say that the world is turning bad. But I’ll want to make it clear to all that because we hear a lot more about bad things these days doesn’t mean they weren’t happening before. The only reason we hear so much now is because social media brings news from different parts of the world to us.

Campaigns, seminars and conferences have been organised and carried out by concerned individuals and professional organisations to create awareness and address the problem of child abuse. Usually, these talks are organised for mothers alone, who are believed to be the ones in-charge of children upbringing. This might appear strategic but it has not really yielded the desired results because children still encounter this offence against their innocence.

There is need to reach out to as much parents and guardians as possible. There is no need to decide who the home-maker or home-keeper is in this case; every parent should be involved in keeping their children and wards safe.

I will suggest the following as ways children can be kept safe from molestations:

1. Parents should make their children understand that their private parts are still parts of their body and should therefore be talked about like they do any other part. I know that in Africa, it is a taboo to talk about your privates, but if calling them is the only way to keep them safe, then I don’t see any problem with that. However, to still respect our culture, I and my boys created euphemistic names for their privates so it doesn’t sound offensive when they say it outside. But some psychologists say that they should be free to call them whatever name(s) they are known by within the community so that they don’t easily get deceived. Whatever you decide, just ensure that your children are free to discuss every part of their body with you.

2. In as much as our children should feel free with raising issues related to their private parts, they should also be taught why those parts have to be covered and kept private. We usually start this training from birth. So, teach your child that no one should touch or see his or her private part and that he or she shouldn’t touch or see anybody else’ own. And you should also respect their privacy when they start demanding for it.

3. Handle your children personal needs yourself. Parents should not allow a third party to handle their children’s personal and private matters. For example, parents should make it their duties to bath their children and clean them up when they use the toilet. This way, that child will not allow anyone else come close. In fact, your child should know that he, mummy and daddy are the only ones that are allowed to see his privates.

4. We have to censor the movies our children watch, be it on television or on phones. Never be too tired to watch TV with your children. Please don’t say you won’t since they are watching cartoons because I have seen some cartoons that have pornographic and violent scenes. Censor whatever they have to watch to be sure they are good for their age.

5. Be mindful with what you do and say around your children. We teachers always treat cases of small children going into the toilets to ‘touch’ each other, or children using sexually suggestive words to their classmate(s). Actions like this always point towards bad parenting because they either learnt these things from watching their parents do it, or from seeing ‘uncle’ and ‘aunty’ do it. It can also be from movies they watch or from practicing it with someone else. So, let’s be careful with what we do before them thinking they don’t see or understand us. We might just be destroying their innocence.

6. We should be mindful of the visitors we bring home. A psychologist that gave us a talk while I was in Ibadan said that the research she carried out showed that most of these abusers are the older cousins, uncles and aunties that came to visit and stay for sometime. So, I’ll say, be mindful of who comes into your house. Don’t ever say that you know anybody so well because it takes only six months for someone to change his values. In a situation where you can’t help having someone in, and you have vulnerable children, be bold enough to create a boundary between your children and that person. For example, tell your children not to go into uncle’s room for anything, and let uncle know that he should stay away from your children’s room. Don’t worry about being called bad names, you are only protecting your own.

This also calls for private lesson tutors. Whether he or she is coming to your house or your child is going to his, please, keep your antennas working. Don’t over-trust anyone.

7. Keep watchful eyes on your wards. Yes, be their monitoring spirits. In fact, get a hawk eye and use it to follow them around. Pay close attention to them and monitor any changes you see. Also keep a sharp listening ear for their gossips, information can come from there. Trust me, you don’t want to take chances.

8. Be your children’s friend. You should feel free to discuss anything with them. Laugh with them, gist with them, play with them, keep their secrets, let them see you as their equal; in fact create no boundary with what they can tell you. This doesn’t mean you don’t chide them when they misbehave. If your children can discuss any topic with you without you flaring up or judging them, they will definitely tell you when that man or woman starts luring them in.

9. You should help your children build their self-esteem. These children need assurance every now and now. Tell them they are intelligent, beautiful, charming, wonderful, and so on. Give them hugs every now and then. Call then by their pet names. We Nigerians are not so good in this type of thing because we think they are unnecessary excesses. If we fail to show them deep affection and reassurance, someone else will do that. Let’s just pray that person wouldn’t be the wolf in sheep’s clothing.

10. I don’t think it is improper to teach your children to stay away from people’s homes when you are not there. Some neighbours may make you feel that you are training your children to become snobs because they wouldn’t relate openly with people around. Please remember, you have your reasons for doing that. Let your children learn not to go into or stay in people homes, or offices, alone. And don’t ask them to stay in a neighbour’s house when they come back from school because you won’t be home. Keep them in the school until you are done. Then pick them from there.

11. We parents should be the first people to teach our children about their sexuality. This comes in bits. Don’t ever say they are too young to learn. Teach them the one they need to learn at each stage. For example, my first son is just eight but he is already aware that there is a difference between a man and a woman. He already knows that a man grows up to marry a woman, who was his girlfriend (*eyes rolling*). Two weeks ago he asked when his voice will change to be like a man’s own, and when he will have hairs in his armpit. And just yesterday, he watched a cartoon named “The Star” and he asked whether human beings push babies out of the ‘bom-bom’ just like grandma goats do. We are gradually there, and I’m preparing for the harder questions when they start rolling in. I hope to be ready to answer them like they are no big deal. So, don’t delay any longer. The questions are there in their minds, waiting for the right time and way to be presented. Let them know that they can ask you and get their desired answers. But warn them not to discuss what you told them with strangers.

12. What about your house helps? These are another set of people that can do this harm to children. Please, let the job descriptions of your help be limited. It shouldn’t extend to your children’s private lives. On the same hand, if you bring in a help, try to protect him or her from possible abuse by any member of your household. It is quite inhuman that you know you have a rapist in the house and you bring in a house help without keeping a closer watch over her. Let’s treat others just as we want them to treat us.

13. Our schools should also monitor their teachers, workers and head teachers. The cases of defilements in schools, and places of worship, where children are supposed to be safe, are quite alarming. Schools should teach these children how to avoid situations like this. They should open Guidance and Counselling sections and encourage these children to visit them when they have challenges. Teachers should also be friendly to these children so that they can easily relay their problems to them. Then, any teacher or member of staff that is considered a threat to the students should be immediately relieved of his duty.

As for our places of worship, parents should accompany their children to churches, mosques, temples and synagogues. Deny them of any private visits to these places, or their priests, if you are not allowed in.

14. The law is lukewarm towards rapists and child-molesters. The demand for evidence and all those legal hullaballoo is making paedophiles and rapists get away unscathed. Our legal sector should help us protect our children.

15. I have always said that psychologists should be encouraged to face their primary duties. Every year a large number of them are graduated from the universities but they all end up practicing in other fields. These people are needed here because majority of these paedophiles seem to need some counselling.

16. More awareness needs to be created on how parents – both mothers and fathers – should protect their children’s innocence. For now, we can use the social media to do that. We need to spread the news. It may not reach many people at a time, but it will eventually get to the right ones.

No matter how busy you are, remember your children are your primary objectives. After all, they are the reasons we are hustling day and night. So, take care of them and preserve their innocence so they will be there for you when you need them most.

Happy School Resumption Week!

Xenophobic Attack Seems Political

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Nigeria and South Africa leaders

I’m thinking out loud here. The recent xenophobic attack in South Africa could be politically inclined.

Why did I say that?

Come to think of it, no reasonable human being would go about hurting people’s lives and businesses without a force behind it. There’s definitely a power backing these people which I suspect is political.

Perhaps, some cabals are against the South African President, Cyril Ramaphosa. This is Africa where the game of politics is dirty. Once a strong group of people do not agree with the ruling power, they find every possible means to frustrate the administration. Which could have been the major reason for the Xenophobic attack.

Perhaps, it’s been calculated like this, if we frustrate the present administration, the people will easily spot their incompetence and voice their dissatisfaction with the administration, making it easier for us to impose our own candidate to counter them. No wonder they say, ”politics is a dirty game.”

Yes, I agree. The players are dirty. The killing of Nigerians wouldn’t just start without any reason. Trust me, no sane person would do what South Africans are doing. Besides, there was no tangible reason for doing it.

I listened to the radio and saw the news on TV. I even read the newspapers online, the reason for the attack was vague. It seems everyone was coming up with something they could lay their hands on just to sell a large volume of printed materials or generate traffic online.

But the big question is, ”why can’t the South African President do something about it?”

Why can’t the police arrest these people causing mayhem in the country and punish them severely?

In Nigeria, those that disrupted the Shoprite business were apprehended and a warning was passed across to anyone who tries to purchase the stolen goods from the mall. This is how a reasonable leader should act. Get to the root of the matter and punish the offenders.

I read that South Africans had resumed this ugly act again. Which makes me draw my conclusion – Xenophobic attack seems political.

Ramaphosa definitely knows this and I think he is treading with caution on this issue. I wouldn’t be surprised if South Africa go down before December. They are digging their own grave with this barbaric act.

No country will want to associate with a country that is full of crime, neither would investors want to put their resources into such a place. This way, it would be difficult to survive the economic hardship that’s about to befall them.

This would be a major step back for them and Africa as a whole. We don’t want division. We want unity.

Africa must unite.

Alibaba’s Double Play Strategy on Offline Retail Digital Transformation

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Chinese ecommerce giant Alibaba has launched an Operating System, a product of a collaborative effort of its key consumer units Ele.me and Koubei, to enable the digital transformation of supermarket chains and brick and mortar stores to make them more efficient.

The platform will onboard leading retail players into the ecosystem giving them the opportunity to leverage its capabilities in ecommerce from Taobao and TMall, Financial Technology services from Ant Financial, Logistics from Fengniao and Digital Marketing from Alimama.

Over 10,000 supermarkets and about 200,000 retail chain outlets spread across 676 cities in China are currently utilizing the operating system.

Supermarket chain Vanguard saw its orders via on demand home delivery platform Ele.me jumped 73 percent each month right from when it was on-boarded while that of Century Mat tripled.

This initiative is part of Alibaba’s A100 Strategic Partnership Programme – an Open Sesame Double Play strategy to help firms rexecute digital transformation. Alibaba has earned its category king status online and wants to offer similar services to offline players as well.

Konga’s redesign which has transformed it beyond offering a single play ecommerce service can learn from Alibaba because Nigeria’s retail industry contributes 33 percent to the total GDP and 45 percent of total employment in Nigeria. Sparkle, a startup, wants to help retailers mitigate the various challenges which they are plagued with. Those challenges dampen their business success. It will do this by delivering customer experience support services ranging from inventory management, invoicing statements, foreign exchange services, and Point Of Sale. Also, it will create a digital framework for them to register their companies, tax and domains, as it wants to connect the dots in business advisory and regulatory services for small and medium retail players.

The current friction which exists between Nigerian offline retailers and consumers can be fixed to make them achieve efficiency through digitization.

Don’t Be A Mario Balotelli

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You may have the right tools in the right environment and still fail. It’s not about having the right tools but knowing how to use it.

Yes, one minute the whole world is hailing and calling you sweet names. Never let it get into your head. The moment you rest on your laurels, you are doomed. Don’t be a Mario Balotelli.

Yes, I mean Mario Balotelli also known as Super Mario. He started his career well. He even won the Golden Boy trophy in 2010 in his early years. But the hype around Mario Balotelli has faded. He’s not even playing for a top team. No one considers him as a top player anymore. The press reporters are not even talking about him.

He currently plies his trade at Brescia, Italy. A team that’s not in the champions league or challenging for titles. Super Mario is not even in the Italian national team. That sums up his career.

Mario Balotelli had the best opportunities in his career. He played for great teams like Inter Milan, Manchester City, A.C Milan, and Liverpool. In the end, he messed up everything. His attitude was his problem. Super Mario was not focused on football, his whole career was full of controversies.

Every manager started ignoring him. His former manager, Jose Mourinho, described him as an unmanageable player.

Mario is a good striker, no doubt, but no manager is ready to work with his immature and unprofessional acts. No manager wants to be sitting in front of the press, defending an adult that’s expected to behave like a professional.

Mario Balotelli faded away. The big star he promised his fans to be never worked out. He had numerous opportunities to develop his wonderful talent and become a star.

Considering his career, he’s a bad example for any upcoming professional. No one is indispensable. Don’t just live in the moment, use it to create a legacy. The legacy will carry you forever.

Don’t be a Mario Balotelli!!!