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MyDuka is an automated reporting system process, that enables entrepreneurs to generate cash-flow statements on basic feature phones.

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MyDuka is a USSD-based  reporting system, created for micro-enterprises, to enable them to submit daily or weekly business records and automatically generate cash-flows and income statements to track and manage their businesses. Entrepreneurs use a USSD code to submit sales, client info, expenses, and inventory information. Using a USSD service enables entrepreneurs from informal settlements and rural areas to get access to this service using a basic feature phone. The data submitted through the USSD is then processed and stored online for easy and quick access from any device. 

The next step is to expand these capabilities by incorporating our impact tracking app Kummit. Kummit is a platform that our entrepreneurs use to manage their tasks, deliverables, and metrics — enabling accountability on all sides and establishing a long-term record of growth. On their Kummit profile, entrepreneurs monitor all the essential business data that is the basis for communication with partners, advisors and investors. It tracks performance against goals, loan repayments, employment levels and revenue growth. From the entrepreneurs’ Kummit profiles, we compile quarterly reports to evaluate business performance.

MyDuka will automatically update Kummit financial goals whenever the user updates the sales using the USSD code. This will eliminate the manual updates of financial goals on Kummit. Users will be able to take quarterly surveys via MyDuka, which will then update on Kummit automatically.

We are working on including templates for receipts, invoices, delivery notes, and quotations on the app to enable business owners to create these documents with a simple feature phone. Through a USSD reporting system, entrepreneurs will be able to enter the data needed, and have the information turned into a document that is automatically sent to the client. This is always important, but even more imperative during the pandemic, when hand-delivering documents is not a good option.

We are also developing an automated system that will help us track loan repayments, as well as keep our entrepreneurs up to date with clear financial repayment records. The automated system will ensure that all entrepreneurs with loan arrears receive timely repayment reminders as both emails and text messages monthly. In the reminders, entrepreneurs will be updated on their total repaid loans and their next repayment due dates.

During COVID, this has become even more helpful to our entrepreneurs, who can keep track of their business operations using their basic feature phones. We want to keep the risk of infection low for every entrepreneur we work with, so we do not host any reporting sessions or mentor hours to determine their business progress. Our entrepreneurs can use MyDuka to create cash flow statements and other business documents, keep track of their finances, customers and products, and receive information on loan repayments, all from home on their basic feature phones.

Margaret is a Somo entrepreneur who runs a healthy restaurant and catering service called Maples Oven. With COVID, she had to quickly adapt her business to provide food delivery. She needed to track her daily sales without traveling to a Somo Hub where she had previously done reports on a computer. MyDuka is a perfect solution for her, as she now uses her phone to enter the USSD code, select the products she has sold, identify her client, and include any expenses. Her cash-flow statement is automatically updated in Google sheets. She doesn't have to worry about printing the delivery notes or invoices for her clients, as MyDuka creates all of these documents online.

What is the need are you focusing on?

Kenya has a vibrant entrepreneurial culture. Entrepreneurs have community changing ideas, however, lack support to successfully develop sustainable businesses. We closely work together with entrepreneurs in informal settlements and support their operations with the training and tools needed. During these days of social distancing, submitting business reports has become more difficult for the entrepreneurs we work with since they would usually do that on a computer in one of our hubs. We developed MyDuka to make our reporting tools accessible from any type of device, especially on basic feature phones since most of the entrepreneurs that we work with come from remote areas, with no access to the internet, computers or smartphones. In the future this will also benefit entrepreneurs who are not part of Somo since we will be able to reach many more entrepreneurs in informal settlements with our automated reporting system.

Which type of submission are you sharing?

  • Sharing an actual pivot your organization has already made

Describe the business pivot or adaptation in 3-4 sentences.

Our entrepreneurs usually have weekly access to our different hubs where they can meet with their mentors to go through any issues that occur and to keep track of their cash-flow statements. Due to lockdown restrictions, we are not able to host our entrepreneurs in-person mentorship at our hubs at the moment. We had to move our training and mentorship online and created tools that support our entrepreneurs business activities. Our automated reporting system allows our entrepreneurs to be able to update their cash-flows at the comfort of their homes. In the future this will also enable us to make this service available to many more entrepreneurs in informal settlements by making it accessible on basic feature phones. During COVID, our entrepreneurs depend on carrying out most of their business activities virtually, which increases their usage of more online platforms. This will increase their computer literacy and enable them to use more online tools in the future.

Do you plan to implement this solution?

  • Yes

Describe the impact that this solution will create in the world.

Post COVID, this will enable many more entrepreneurs in informal settlements to create cash-flow statements and basic business documents in an easy and convenient way. Two years from now, we want to reach at least 100,000 entrepreneurs using MyDuka. This will enable entrepreneurs from every area to have access to reporting systems, even with no connection to the internet. Through our automated cash-flow statements, entrepreneurs can monitor their business activities and keep track of their customers, sales, inventory, spending rate, cash balance and financial performance. Small enterprises will be able to use USSD to collect data without having access to the internet. Currently, most entrepreneurs hand deliver business documents. With MyDuka, they can now deliver these documents virtually, an easy method that saves time and the environment.

What is the name of your business or organization?


What does your business/company do? Whose needs does your business/company address? Who do you serve?

Somo is an entrepreneurship accelerator operating in low-income urban communities. We invest in community-led initiatives and provide the resources needed to help build sustainable enterprises. We provide long-term support through programs including training, tailored business advising, funding, and assistance with market access. Our founding principle is that people from low-income areas are best positioned to create change in their own communities — they understand the issues that their families and neighbors are dealing with, and are committed to finding workable solutions. Currently, we are working in three different areas of Kenya. We have one cohort in Kisumu and two in Nairobi; in Kibera and Korogocho.

What is your profession?

Grants and M&E Intern

Where are you located (country)?


Where are you located (region)?

  • Eastern Africa

What industry is your business/company in?

  • Non-Profit/Philanthropy

How many people does your business/company employ?

  • 50-249

How old is your business/company?

  • 2-5 years old

Which classification describes your organization/business?

  • Nonprofit/NGO

What kind of stakeholders and partnerships are needed to pursue this solution?

  • Funding- Grants

Do you need help building partnerships and finding partners?

  • Yes

If Yes to the above, please share 1-2 sentences describing the specific help you desire.

Due to the high cost of servicing USSD, we are currently seeking links and partnerships with USSD network companies to receive access to the network. We would also like to work together with cloud service companies to find affordable ways for data storing.

What do you think are the main barriers to implementing this solution?

One of the main barriers will be the high costs involved in making MyDuka and its features available to many entrepreneurs. More funding opportunities, as well as links and partnerships with telecommunication companies are necessary to solve USSD network access barriers and reduce costs of servicing USSD.

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Image 2: automated cash flow statement


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