THE HORROR OF TOXIC SHYROCK LOANS

BEWARE OF TOXIC SHYLOCK LOANS.

Many families in Kenya have suffered horrible experiences in the hands of mushrooming Shylock loan lenders. 

We hear painful stories every day — land auctioned, cars repossessed, homes broken into, marriages strained, and lives destroyed because of delayed payments on exploitative loans.

Some desperate borrowers are forced to accept shocking terms such as 40% interest within just 8 days. That is not financial help; it is financial bondage. 

Such situations expose the desperation in many homes and the brokenness within our financial systems.

Before taking any loan, pause and ask yourself:

Can I realistically repay this loan?

What are the hidden conditions?

What collateral am I risking?

Is this lender regulated and trustworthy?

Quick money can become a long-term nightmare. 

Many people enter these agreements in moments of pressure, only to lose years of hard work and family peace.

The Bible warns us about the dangers of debt and oppression:

“The rich ruleth over the poor, and the borrower is servant to the lender.” — Proverbs 22:7 KJV

Let us promote financial wisdom, savings culture, genuine SACCOs, regulated financial institutions, and community support systems instead of falling prey to predatory lenders.

Protect your family. 

Protect your peace. 

Think carefully before signing any loan agreement.

Boniface Amani Gichina (CPM)

There is A Role For Everyone In Church

THERE IS A ROLE FOR EVERY ONE IN CHURCH.

We are all called to follow Christ, not as spectators, but as servants in His vineyard.

In the house of God, no one is useless and no assignment is insignificant.

Every believer is a vessel of service: uniquely gifted, purposefully placed.

Find your place to serve.

Serve faithfully and diligently in your post of duty, whether seen or unseen.

God values obedience, commitment, and a willing heart more than position or applause.

Be encouraged: there is a reward from God for every faithful steward.

He never forgets the labor of love done in His name.

1 Corinthians 4:2 KJV:

“Moreover it is required in stewards, that a man be found faithful.”

Serve with joy. 

Serve with faithfulness. 

Your service matters to God.

Boniface Amani Gichina (CPM)

WHEN BLACK CLOUDS APPEARS.

WHEN BLACK CLOUDS APPEAR.

Beloved brethren. 

Black clouds can, once in a while, form in our lives: trying to block us from the sunshine of God’s grace.

They come quietly, and sometimes heavily, bringing anxiety, sadness, depression, and other emotional burdens.

Never be ashamed of seasons of black clouds in your life.

They are not a sign of weakness or failure. 

They affect all human beings across the globe at one time or another on this journey called Life.

Even the strongest, even the most faithful can and do experience black clouds. 

What matters is not the appearance of the clouds, but what you do when they appear.

When such clouds arise, seek help:

•From God — He is our refuge and strength.

•From relatives — Charity begins at home.

•From colleagues — shared burdens feel lighter and colleagues understand your burdens more easily. 

•From friends — sincere love from sincere friends heals.

•From professionals — Never underestimate the wisdom from professionals - Doctors, Counsellors, Mediators etc.

Remember: 

"Clouds may cover the sun, but they can never erase it".

The light is still shining out there: and it will shine in your life again.

Psalms 34:19 KJV:

“Many are the afflictions of the righteous: but the LORD delivereth him out of them all.”

Boniface Amani Gichina (CPM)

VISION

A MAN WITHOUT A VISION FOR HIS FUTURE, ALWAYS RETURNS TO HIS PAST:

Beloved brethren, life has a way of pulling us backward when we have nothing pulling us forward. 

Without a clear vision, a goal, or a God-given direction, we often find ourselves drifting back into old habits, old patterns, and old places.

But when you have a vision in your heart, it becomes your compass to move forward. 

A vision gives you strength to rise up, courage to continue, and faith to believe that greater things are ahead.

Proverbs 29:18 KJV, says:

“Where there is no vision, the people perish: ......”

May God give you a vision today. 

May your vision be clear, your faith strong, and your future bright.

Boniface Amani Gichina (CPM)

Don't Neglect Your First Family

DON'T NEGLECT YOUR FIRST FAMILY:

Beloved brethren, allow me to speak on a very sensitive subject. 

I am ready to be stoned, but please, stone me softly. 

Divorce or separation brings many changes, but one thing should never change: your responsibility to your first family. 

It is unfortunately true that many men, after ending a marriage, neglect their former spouse and, most importantly, their children from that union.

Separation or divorce does not act as a magic wand that absolves you of your duties as a father and co-parent. 

Your commitment to their well-being: emotionally, financially, and socially, is permanent. 

Your children did not choose the separation, and they deserve your consistent, unwavering support.

Let us learn a lessons from Moses:

In Numbers 12:1 (KJV), we read:

“And Miriam and Aaron spake against Moses because of the Ethiopian woman whom he had married: for he had married an Ethiopian woman.”

Many people assume this "Ethiopian woman" was a second wife.

But other historical records suggest she was actually Moses' first wife, whom he had married and had children with before he fled from Egypt at age 40. 

Remember Moses was brought up as a Prince. 

It is practically extremely hard for him not have married at the age of 40.

When he fled from Egypt, he met Zipporah in Midian and married her.

When Moses returned to lead his people, at age 80, he was seemingly re-uniting with his first family. The family of the Ethiopian wife.

Miriam and Aaron were not happy because they preferred Moses to ignore, reject and abandon his first family. 

Sounds familiar????

God was not happy with Miriam and Aaron and he punished them.

God does not accept any excuse as a reason to neglect our first family.

The message is clear: Our responsibility to our first family is never cancelled just because we enter a second marriage or relationship. 

Our faith, our salvation, and our current commitments must not become excuses to abandon our first families.

Be responsible: Be supportive.

Whatever happened, happened but your responsibility as father remains. 

Boniface Amani Gichina (CPM)

#Fatherhood #CoParenting #FamilyResponsibility #FaithAndFamily #DontNeglectYourChildren

Disorder Breed Sufferation

DISORDER BREEDS SUFFERATION:

Beloved brethren, "Sufferation" is not a proper English word. 

Sufferation is a word crafted by Jamaican to express prolonged suffering, or prolonged hardship. 

It is a word to describe oppression or mistreatment by life itself or a broken system. 

My focus today is how, disorder can bring suffering or pain to an individual, a family, a business or an organisation. 

Anytime your see disorder, prepare for a prolonged period of suffering: prepare for Sufferation. 

Examples:

1. Disorder in your money management, will breed financial Sufferation. 

Financial Sufferation will come in forms of debts, unpaid bills, chronic emptiness and lost opportunities for financial growth and stability.

2. Disorder in your family or marriage, will automatically breed misunderstandings, mistrust and pain. 

3. Disorder in your business, will cause loses, failures and stagnation.

God wants us to live orderly lives. He hates disorder. 

1 Corinthians 14:40 KJV, says:

"Let all things be done decently and in order"

Encourage yourself to start living an orderly life.

You will be surprised by the kind of blessings and progress that will start flowing in your life. 

Say bye bye to disorder: it is your firm farewell to Sufferation. 

Boniface Amani Gichina (CPM)

Writing is A Risky Venture.

WRITING IS A RISKY VENTURE:

Beloved brethren, writing is not just pen and paper, fingers and keyboard affair. 

For those of us who commit our inner thoughts to pages and posts, we know the truth: .....Writing is a Risky Venture.

Every time we share a piece of ourselves: an idea, a story, a message, we launch a ship onto a vast and unpredictable sea.

Communication is always a risky game.

Though we write with good intentions. Our intentions may not be viewed favourable by every reader. 

I personally write to:

•Share light

•Spread love

•Demonstrate respect

•Offer encouragement

But writing has unavoidable risks: different readers understand our writing differently.

Before I ever publish a post, a thousand questions run through my mind:

 * Is it necessary?

 * Is it helpful?

 * Is it encouraging?

 * Is it decent?

And from experience, it is almost impossible to score 100% on all these questions.

So why do I keep writing?

 

Because the urge to connect, to serve, and to share is stronger than the fear of misinterpretation.

The risk of misinterpretation is always there in every post.

I write not for the guarantee of safety, but for the potential of impact.

I write in faith, trusting that if my heart is right, the message will find the readers who need it most.

Ecclesiastes 11:1 says:

"Cast thy bread upon the waters:

for thou shalt find it after many days."

I cast my words (my 'bread') onto the unpredictable waters of the public, not knowing where they will land or what good they will do: but trusting that in time, the purpose for which they were sent will be fulfilled.

I plough in hope, and sow in faith - (1Cor.9:10)

Boniface Amani Gichina (CPM)