If you ask Georgine Auma what she does for a living she will say, “I’m a teacher by profession, administrator by experience, advocate by passion and mentor by choice.” Then she will pause and add, “I build dreams.” Confidence oozes from her pores. She’s passionate about deaf women and girls with bias to education because it opened doors for her. She co-founded Deaf Girls Education Foundation where she mentors girls (And earned her Mandela Washington Fellowship).
She loves football and was the secretary of the Deaf Football Association of Kenya that aims to nature talents in the deaf youth. She is currently the director of Studies at Ngala Secondary School for the Deaf in Nakuru and has a Master’s degree in Education Curriculum Development from Maseno University and a Bachelor of Special Needs Education (IT) from the same institution.
She talked to JACKSON BIKO and was accompanied by Susan Thuo, a sign language interpreter.
I would like to say a word and see if you can read my lips. Here. What did I just say?
(Laughs) I didn’t get it. What did you say?
“Karachuonyo.” It was a tough one, I know.
It’s hard for me to lip read someone for the first time I meet them. But when we interact more, if I meet you another time, I’ll be reading how you speak and figure out how you say words.
Were you born like this or this happened later in life?
I was born hearing, but when I was about nine years old, I became sick with mumps, which caused this deafness. We tried hearing aids, but they never worked for me. Life turned upside down, but luckily, I had a lot of family support. I attended a normal high school and would sit in front of the classroom and lip-read what the teacher was saying. It wasn’t easy. I got an A-minus in my KCSE exams and was invited to the university to learn engineering, but was told that it was impossible to study it in my condition.
I changed my dreams, did education, now I teach mathematics, business, sign language and computers. I am very passionate about deaf girls education, because I remember when I was growing up, there were so many girls in my village who were dropping out of school and having sex for fish, which was a very big business. So when I am not teaching or supporting the girls, I am playing football.
Given an opportunity, would you study engineering?
No. I love what I’m doing now. I’m fulfilled.
You keep saying “deaf” which I imagined would be derogatory. What’s the politically correct term?
Deaf is fine. That’s actually a good word because we actually feel proud of that word. It gives us an identity, it’s our culture. We don’t feel lost. But if you call us “hearing impaired” it means that we have a problem with the ears, like it’s something that can be fixed. We don’t need fixing, it doesn’t need fixing.
We’re full individuals, fully operational, and we’re only different because we use sign language.
What are the advantages of being deaf?
(Laughs) First, when I see a nice dress and go into a shop to buy it and we start negotiating, I will win. (Laughs). Because I’m better at sign language than the other person, they will get tired at some point and say, “fine take it at your price.” Somehow people will sympathise with a deaf person, as if we are in pain. Another advantage is that when I go to Huduma Centre I will jump the queue. See? (Laughs) I get swift service.
I don’t pay income tax. Also, parking is free for me. I don’t have to go around looking for parking unlike you. Again, because I’m deaf I have excellent eyesight, twice as good as yours. I use my eyes to see and hear. The last is that I’m never disturbed by noise. That is very important. My world is very silent. A very peaceful world. So you’ll find people fighting and screaming but I will never hear that. People pay lots of money to go to, for instance to Maasai Mara for the silence and peace. But I have my Maasai Mara in my head.
But silence doesn’t always mean peace.
(Laughs) Yes. Yes. You have a point.
What are your current challenges as a 31-year-old, professional, woman?
As a deaf person, the greatest challenge is communication. I’d love to speak to someone directly, not through a sign language interpreter. Emotions are lost in translation, so are nuances. We also can’t speak through her for long, it gets tiring.
Getting a job is also difficult because employers don’t believe I can do a job as well as others. Socially, I love going out to the club but it often proves tricky when people realise I’m deaf and retreat. But I love dancing so much, that’s the only reason I go to the club. I’m a good dancer.
So, wait, when you go out to the club how do you dance when you can’t hear the music?
(Laughs) I feel the beats from the soles of my feet. I can be seated and when I touch the table, I can feel the rhythm of the music on the table and know that’s a good song to dance to.
Amazing! When you met Barack Obama what did he tell you?
He is so cool. Actually, he knows a bit of sign language. He knows “hello” and “I’m fine.” It was a great honour to attend the Young African Leaders Initiative in 2015. I did a training in the US on civic leadership for two months. I shook Obama’s hands. He has very very soft hands. (Laughs)
What is the most challenging thing about being an educator?
Just to see the challenges children who are born deaf go through; starting school much later than their counterparts and not having a base language to begin with. It becomes very hard to teach that person. Also the school system demands that you must know English, and that is the language we use to teach. But for a child who was born deaf, then teaching English is very hard for them. You can teach them the sign language, that’s easy, they can learn that. But when you tell them how to write in English, they can’t. This means that when they get a D in school people think they are stupid, but they are not. The issue is that they can’t express themselves in English. These children are very smart and amazing; it’s only that the system needs to test them differently.
They say things happen for a reason, have you ever discovered and embraced the reason why you are deaf?
Yes. I believe that the reason I became deaf is to make a difference in deaf children’s life. Because most of the deaf children grow up without a mentor. And they don’t even believe that they can do anything with their lives. So when they see me, they are hopeful that they are not special, they can do as well or even better.
If you were given hearing for five minutes, what sound would you love to hear?
I want to hear “I love you” said in words.
Whoa! That’s deep, Georgine! Talking of love, how is dating for you?
Well, dating men who aren’t deaf is really hard. Because most people say they want to talk and hear you. However, it’s impossible for me to call you and talk to you, so I’ll insist on texting and chatting, and sometimes people say I’m tired of texting you, I’m tired of chatting. So it’s really hard to relate to that man. Not to say I’m looking for a deaf man but just someone to connect with. (Pause) I think I might have met someone, yes. (Laughs)
What’s your language of love?
BCCI: The bank ‘that would bribe God’
“This bank would bribe God.” These words of a former employee of the disgraced Bank of Credit and Commerce International (BCCI) sum up one of the most rotten global financial institutions.
BCCI pitched itself as a top bank for the Third World, but its spectacular collapse would reveal a web of transnational corruption and a playground for dictators, drug lords and terrorists.
It was one of the largest banks cutting across 69 countries and its aftermath would cause despair to innocent depositors, including Kenyans.
BCCI, which had $20 billion (Sh2.1 trillion in today’s exchange rate) assets globally, was revealed to have lost more than its entire capital.
The bank was founded in 1972 by the crafty Pakistani banker Agha Hasan Abedi.
He was loved in his homeland for his charitable acts but would go on to break every rule known to God and man.
In 1991, the Bank of England (BoE) froze its assets, citing large-scale fraud running for several years. This would see the bank cease operations in multiple countries. The Luxembourg-based BCCI was 77 per cent owned by the Gulf Emirate of Abu Dhabi.
BoE investigations had unearthed laundering of drugs money, terrorism financing and the bank boasted of having high-profile customers such as Panama’s former strongman Manual Noriega as customers.
The Standard, quoting “highly placed” sources reported that Abu Dhabi ruler Sheikh Zayed Sultan would act as guarantor to protect the savings of Kenyan depositors.
The bank had five branches countrywide and panic had gripped depositors on the state of their money.
Central Bank of Kenya (CBK) would then move to appoint a manager to oversee the operations of the BCCI operations in Kenya.
It sent statements assuring depositors that their money was safe.
The Standard reported that the Sheikh would be approaching the Kenyan and other regional subsidiaries of the bank to urge them to maintain operations and assure them of his personal support.
It was said that contact between CBK and Abu Dhabi was “likely.”
This came as the British Ambassador to the UAE Graham Burton implored the gulf state to help compensate Britons, and the Indian government also took similar steps.
The collapse of BCCI was, however, not expect to badly hit the Kenyan banking system. This was during the sleazy 1990s when Kenya’s banking system was badly tested. It was the era of high graft and “political banks,” where the institutions fraudulently lent to firms belonging or connected to politicians, who were sometimes also shareholders.
And even though the impact was expected to be minimal, it was projected that a significant number of depositors would transfer funds from Asian and Arab banks to other local institutions.
“Confidence in Arab banking has taken a serious knock,” the “highly placed” source told The Standard.
BCCI didn’t go down without a fight. It accused the British government of a conspiracy to bring down the Pakistani-run bank. The Sheikh was said to be furious and would later engage in a protracted legal battle with the British.
“It looks to us like a Western plot to eliminate a successful Muslim-run Third World Bank. We know that it often acted unethically. But that is no excuse for putting it out of business, especially as the Sultan of Abu Dhabi had agreed to a restructuring plan,” said a spokesperson for British Asians.
A CBK statement signed by then-Deputy Governor Wanjohi Murithi said it was keenly monitoring affairs of the mother bank and would go to lengths to protect Kenyan depositors.
“In this respect, the CBK has sought and obtained the assurance of the branch’s management that the interests of depositors are not put at risk by the difficulties facing the parent company and that the bank will meet any withdrawal instructions by depositors in the normal course of business,” said Mr Murithi.
CBK added that it had maintained surveillance of the local branch and was satisfied with its solvency and liquidity.
This was meant to stop Kenyans from making panic withdrawals.
For instance, armed policemen would be deployed at the bank’s Nairobi branch on Koinange Street after the bank had announced it would shut its Kenyan operations.
In Britain, thousands of businesses owned by British Asians were on the verge of financial ruin following the closure of BCCI.
Their firms held almost half of the 120,000 bank accounts registered with BCCI in Britain.
The African Development Bank was also not spared from this mess, with the bulk of its funds deposited and BCCI and stood to lose every coin.
In Britain, local authorities from Scotland to the Channel Islands are said to have lost over £100 million (Sh15.2 billion in today’s exchange rate).
The biggest puzzle remained how BCCI was allowed by BoE and other monetary regulation authorities globally to reach such levels of fraudulence.
This was despite the bank being under tight watch owing to the conviction of some of its executives on narcotics laundering charges in the US.
Coast politician, the late Shariff Nassir, would claim that five primary schools in Mombasa lost nearly Sh1 million and appealed to then Education Minister George Saitoti to help recover the savings. Then BoE Governor Robin Leigh-Pemberton condemned it as so deeply immersed in fraud that rescue or recovery – at least in Britain – was out of the question.
“The culture of the bank is criminal,” he said. The bank was revealed to have targeted the Third World and had created several “institutional devices” to promote its operations in developing countries.
These included the Third World Foundation for Social and Economic Studies, a British-registered charity.
“It allowed it to cultivate high-level contacts among international statesmen,” reported The Observer, a British newspaper.
BCCI also arranged an annual Third World lecture and a Third World prize endowment fund of about $10 million (Sh1 billion in today’s exchange rate).
Winners of the annual prize had included Nelson Mandela (1985), sir Bob Geldof (1986) and Archbishop Desmond Tutu (1989).
East Africa celebrates top women in banking and finance
The Angaza Awards for Women to watch in Banking and Finance in East Africa took place Online via Zoom on 8th June 2021.
The event was set to celebrate the top 10 women shaping banking and finance across East Africa. The 2021 Angaza Awards, which will be a Pan-African Awards program, was also announced at the event.
Key speakers at this webinar were Dr Nancy Onyango, Director of Internal Audit and Inspection at the IMF; and Gail Evans, New York Times Best Selling Author of Play Like a Man, Win Like a Woman and former White House Aide and CNN Executive Vice President.
Dr Nancy Onyango advised women to deep expertise in their fields, spend time in forums and link with key players in that sector.
“Gain exposure with other cultures by seeking for employment overseas and use customized CV for each job application,” said Dr Onyango.
According to Gail Evans, women should show up and be fully present in meetings and not be preoccupied with other issues.
“Be simple and avoid jargon. Multi-tasking only means that you are mediocre Smart people ask good questions in a business meeting. Most women face drawbacks due to perfectionism, procrastination and fear of failure, said Evans.
She advised women to play like a man and win like a woman, be strategic, and intentionally make their moves to get to the top.
“For us to pull up businesses that have been affected by effects of COVID-19 pandemic, we need to re-invent business models, change the product offering and make more use of digital platforms,” said Mary Wamae Equity Group Executive Director.
Mary Wamae emerged top at the inaugural Angaza awards( East Africa) ahead of other finalists.
While women continue to excel in banking and finance, the number of that occupies top executive positions is still less.
“There is a gap for women occupying C suite level and it continues to widen in the finance sector. At entry level, there is still an experience gap for women,” said Nkirote Mworia, Group Secretary for UAP-Old Mutual Group.
She said that at the Middle Management level, women do not express their ambition. For this reason, UAP-Old Mutual has developed an executive sponsorship program to help women get to the next level.
Mworia added that most women hold the notion that top positions in management have politics and pressure.
“One needs leadership skills and not technical expertise to get to the top,” said Mworia.
According to Catherine Karimi, Chief Executive Officer and Principal Officer of APA Life Assurance Company, women need to focus on the strengths and natural abilities that they already have.
“Take risks and raise your hand to get to the high table. Find mentors along the way and develop your own brand and not compare yourself with others Focus on your strengths because it will make you move faster in the career ladder,” said Karimi.
Lina Mukashyaka Higiro, a Rwandan businesswoman and chief executive officer of the NCBA Bank Rwanda since July 2018, has three lessons for women who want to excel in banking and finance.
“Always spend at least 20 minutes each day reading, seeking genuine feedback from other staff members and widen your network,” Higiro told the webinar.
Women picked for Angaza awards
Mary Wamae, Executive Director, led this year’s Top 10 Women in Angaza Awards, Equity Group (Kenya)(2)Catherine Karimi, Chief Executive Officer, APA Life Insurance Company (Kenya)(3)Lina Higiro, Chief Executive Officer, NCBA Bank (Rwanda)(4)Elizabeth Wasunna Ochwa, Business Banking Director, Absa Bank (Kenya)(5)Joanita Jaggwe, Country Head of Risk and Compliance, KCB Group (South Sudan)(6) Millicent Omukaga, Technical Assistance Expert on Inclusive Finance, African Development Bank (Kenya)(7)Emmanuella Nzahabonimana, Head of Information Technology, KCB Group (Rwanda)(8)Judith Sidi Odhiambo, Group Head of Corporate Affairs, KCB Group (Kenya)(9)Rosemary Ngure, ESG & Impact Manager, Catalyst Principal Partners (Kenya) and(10)Pooja Bhatt, Co-Founder, QuantaRisk and QuantaInsure (Kenya).
The Kenyan Wallstreet, a financial media firm, partnered with Kaleidoscope Consultants to raise awareness of seasoned women shaping and influencing the sector through their organizations.
The Angaza Award criteria included assessing the applicants’ area of responsibility and contribution to firm performance. Professionals in Banking, Capital Markets, Insurance, Investment Banking, Fintech, Fund Management, Microfinance, and SACCOs were invited to submit their applications or nominations via the Kenyan Wallstreet Award Web page.
IFC in New Partnership to Develop Affordable Housing in Mombasa County
NAIROBI, Kenya, Jun 14 – International Finance Corporation, a member of the World Bank Group, has signed a new deal in support of affordable housing in Kenya.
The corporation has partnered with Belco Realty LLP, to develop a mixed use affordable living complex that will consist of 1,379 residential units and over 4,500 square meters of retail and commercial spaces in Kongowea, Mombasa County.
Together with the Kenyan firm, IFC says the partnership will help meet surging demand for housing in Kenya.
Under the agreement, IFC will help identify suitable international strategic partners to invest equity of up to $12 million, or Sh1.3 billion in Belco and to provide the company with the necessary technical support to develop the project.
The development, known as Kongowea Village, will be developed to foster inclusive and affordable community living within the city.
Jumoke Jagun-Dokunmu, IFC’s Regional Director for Eastern Africa says the project, which will be located on eight acres within the heart of Mombasa city, will aim to be a catalyst for wider city regeneration.
The project will be developed to meet IFC EDGE certification requirements and will incorporate the latest technologies in passive cooling, energy efficiency and water conservation to support sustainable urbanization.
Kongowea Village is expected to create 1,160 jobs and business opportunities during the three-year construction period and many more after completion of the project within the themed retail arcade.
“Access to quality housing is a growing problem in Kenya and across Africa,” said Jumoke Jagun-Dokunmu, IFC’s Regional Director for Eastern Africa.
“Developers often target the high end of the market, but this project is aimed squarely at the lower-income bracket. Helping Belco identify the right partners for this project is expected to attract more developers to Kenya and other parts of Africa to help meet rising demand for housing.”
“IFC‘s engagement with Belco will help Kenya support its rapidly growing and urbanizing population by increasing access to affordable housing. The problem is similar across most of Africa, where population growth and demand for quality housing are combining to outstrip supply. We are pleased to partner with a company such as Belco that is committed to contributing to solving this challenge,” said Emmanuel Nyirinkindi, IFC‘s Director for Transaction Advisory Services.
IFC’s partnership with Belco is part of its broader strategy to support better access to affordable housing in Kenya.
In 2020, IFC invested $2 million in equity in the Kenya Mortgage Refinance Company (KMRC) to help increase access to affordable mortgages and support home ownership in the country.