Livelihoods

Rights matter. So does rent.

Economic empowerment is the part of inclusion people actually feel at the end of the month.

Persons with albinism face a compounded barrier to earning: discrimination in hiring, jobs that assume full vision, and outdoor work that carries a real health cost. The result is that talent goes unused and households stay precarious.

Inclusion that does not reach the end of the month is a slogan. Rights matter. So does rent.

A person can be legally protected, publicly celebrated and still unable to pay school fees. Awareness does not buy sunscreen. Representation does not cover a deposit.

So this track is deliberately unglamorous. Training aimed at income rather than certificates. Capital that members control. Customers for member businesses, including through our own shop. Employers shown that an accommodation costs less than the vacancy. Four plain things, each one measured by whether a household has more at the end of the month than it had at the start.

Skills and enterprise training

Practical training aimed at income, not certificates.

Member-owned finance

A chama structure where members save, contribute and invest together.

Market access

Routes to customers for member businesses, including through our own shop.

Employer engagement

Making the case that accommodation is cheap and exclusion is expensive.

Inside this track

BA Chama, money the members own

A chama is the oldest financial technology in Kenya: a group of people who save together, lend to each other, and answer to one another rather than to a bank that has already decided what they are worth.

BA Chama is ours. Members contribute, members borrow, members set the rules, and the fund stays with the people who built it. It is the difference between being helped and being able.

Join the chama Ask how it works

Member ownedSavings, loans and welfareRun by its own committee

Initiatives in this track