Salos via mpesa is a loooong long shot coz it requires the employers and staff to play ball
Also it will require investment in IT by the participating employers....so unless MJ is opting to give that for free,bando tuko mbali
And then MJ will never give you a loan.......so how do you get a loan from a bank when you have no account with one?? Bando hapa tuko mbali
If you have money that you expect to start using in five years,it now belongs in stocks.
When I have money, I get rid of it quickly, lest it find a way into my heart.