Helb Loan - How To Apply Alternative Loans (for salaried students)

Alternative loans comprise of Postgraduate (Masters & PhD) and
Undergraduate loans for salaried applicants loans. This category of
loan was introduced in the year 2000/2001 (PG) and 2008/2009 (CE). It
runs as a commercial window targeting students who are able to repay
their loans while studying, thus allowing the Board to generate income
from application fees and interest charged to build and maintain a
sustainable revolving fund. The loans are evaluated and awarded on the
basis of the loanees' ability to pay while studying at an interest
rate of 12% p.a and repayable in 48months.
Awards (per year)PhD- Kshs: 60,000 – 200,000.00;
Masters -Kshs: 60,000 – 200,000.00;
CE -Kshs: 60,000 – 100,000.00;
Minimum Requirements1) Repaying or Repaid UG and previous PG loans if
a beneficiary
2) Ability to pay while studying based on the one third rule of basic
salary as per the Employment Act.
3) Meet all the requirements as indicated in the online form
Loan Interest Rate and Repayment period
12% per annum ; 48 months
Required Documents1) Copy of letter of admission to the university
2) Certified copy of last acquired certificate
3) Certified copy of ID
4) Certified copies of two salaried guarantors' IDs
5) Certified copy of PIN card
6) Certified copies (by employer) of the latest three months pay slips
7) Recent colored passport size photograph
8) Letter of appointment (contracted applicants only)(1-5 should be
certified by an advocate and 6-9 by employer)
How to apply for the loan Application is done online.

Go to
http://www.helb.co.ke/helb-products/loans/alternative-loans/ to Apply.
Bless!

Helb Loan - How To Apply Loans for Direct Entry Students (DES).

These loans are for students joining public or private universities
within the East African Community directly from high school either
through the Joint Admissions Board (JAB) or as self-sponsored. Amounts
awarded range between 35,000 minimum and 60,000 maximum based on the
level of need.
The loan attracts interest of 4% p.a and the students are required to
repay their loans on completion of their studies. Students are advised
to apply at least one month before the opening date to allow ample
time for processing and remittance. The application period is January
through July every year.
Management of HELB loans
Students are advised that the loans should be used mainly for:
*.Tuition,
*.Books and stationery,
*.Accommodation and subsistence.
Students are advised to desist from diverting the funds to leisure or
other family obligations.
Repaying your student loan
Undergraduate loan repayment starts within one year of completion of
studies or within such a period as the Board decides to recall the
loan whichever is earlier. However, you can make voluntary payments
before or after you complete your studies to reduce your loan balance.

You can click:

http://portal.helb.co.ke/auth/signin

To Apply.
Bless!

How Can You Tell The Difference Between INFJs vs ISFJs

I want to discuss some difference between INFJs vs ISFJs.
But let us first understand this personality types.

Who is an INFJ?

INFJ is an abbreviation used in the publications of the Myers-Briggs.
Someone who has the following qualities:
~ Introverted ~ Intuition ~ Feeling ~ Judging.

They make 1% - 2% of the world population.
INFJs ARE THE MBTI MASCOT FOR EMPATHY, LOVE, & PROTECTION OF HUMAN BEINGS :).

Who is an ISFJ?

Someone who has the following qualities:
~ Introverted ~ Sensing ~ Feeling ~Judging.
ISFJs are characterized above all by their desire to serve others,
their "need to be needed." In extreme cases, this need is so strong
that standard give-and-take relationships are deeply unsatisfying to
them; however, most ISFJs find more than enough with which to occupy
themselves within the framework of a normal life.

How can you tell the difference between INFJs vs ISFJs?

* INFJs are considered the most logical Feeling type.
* SJs are the majority.
* ISFJs (and ISTJs) are memory types. They ACQUIRE knowledge through
experience and they take time before new data becomes part of their
system.
* INFJs are insight types.
* ISFJs are close minded and they don't question the rules. INFJs are
mystical, open minded and they have trust problems. INFJs believe in
what they think is correct, ISFJs - what was said to them. Intuition
vs Sensing, I think the superiority is obvious in this case, ISFJs and
generally sensors can be pretty dumb sometimes.

speaking of intelligence is like a myth.

Chillies (pilipili) Farming in Kenya - Opportunity

Hey!
It's cool time in my place again. I've been doing some research on
farming opportunities in Kenya. Having read articles and meeting some
farmers, i have realised chilly farming has been unexploited
agricultural venture.
Major names given to chilies in my hood:
1. Pilipili - kiswahili name.
2. Pepper - English name.
3. Gurnet - one of the most bitter which takes the shape of Gurnet weapon.
4. Risasi
There is an opportunity in chillies (pilipili), there are so many
buyers out there,exportersand our dear brokers. The question is, do we
as farmers apprehend the opportunity? What are the yields per unit
area be it per acre? which varieties do the buyers/ exporters want? In
what quantities, frequency and quality? Lets discuss openly and
explore the juice in this....
I'm not saying there are no other people in the business.
One of my favourite person in the industry is Margaret Komen of
Macefoods Limited.
Mace Foodsis a private limited company as incorporated in Kenya in
January 2002. The funding shareholders want to balance commercial
(profitability) objectives with a development contribution to the
country.
Mace Foods is Fair Trade certified (WFTO) and since inception follows
a clear Corporate Social Responsibility (CSR) policy, in particular
gender issues. The headquarters with factory and offices is based in
Eldoret, Rift Valley, Kenya at the equator.
*.1,600 contract small-scale farmers in Western Kenya and around Lake Victoria
*.Expansion of own land production to 200 hectares in 2013
*.Main markets: Germany, Italy, UK, Netherlands und USA
*.16 employees, thereof agronomist and food technologists
*.Up to 75 factory workers in the peak harvest period
*.Continuous production over the whole year with two peaks.
Chillies are less prone to diseases.
Local market is very good.
Export is a bit tricky because of MRL issues.
The best Chillies in Kenya for now are Bandai (Bird Eye) and the
Bullest (Freshno) which make very nice varieties.
There are very few challenges in growing chillies. The more you are
organized the more successful you are.
Next time

8 Wise Words Related To Suicide.

Have you ever felt like committing suicide?
Do you feel suicide should be a human right?
The world might have been too small for. But this day i've got some
few words to uplift.

1. so basically your saying its ok if i get a knife and slit my wrist(
tried it) or if i drink bleach ( tried it) or if i attempted to drown
my self ( tried it.

2. Nobody recommends suicide though think about it in the past but
glad you stuck around.

3. It causes far too many problems for everyone else and is overall
irresponsible.

4. No one can stop you who you bent on taking your own life. But you
are not going to make it easy.

5. You have to be pretty sane to come to the conclusion that you want
to stop living.

6. If it's treatable and you are not capable at the time of sound
decisions and are delusional & lack self reflection then why would you
be able to make decisions like that?

7. Dying while being reckless is hardly suicide.

Bless!