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Archivo del Autor: Belen De Leon

Kenya’s Twiga Foods eyes West Africa after $30M raise led by Goldman

Kenya’s Twiga Foods has raised a total of $30 million from lenders and investors led by Goldman Sachs.

The B2B food distribution company financed $6.25 million of the funding in convertible debt and $23.75 million in equity, classified as a Series B round. IFC, TLcom Capital, and Creadev joined Goldman on the VC side.

Twiga will use the funds to set up a distribution center in Nairobi and deepen its conversion to offering supply chain services for both agricultural and FMCG products.

The Nairobi based company will invest in expanding into more cities in Kenya, including Mombasa. Twiga is also targeting Pan-African expansion by third quarter 2020.

“We’re working on French West Africa…we see significant opportunity in those markets,” Twiga CEO Peter Njonjo told TechCrunch. The company will name the new country (or countries) in the following year, he added.Peter Njongo Twiga Foods CEO

Goldman Sachs confirmed to TechCrunch its lead on Twiga’s Series B funding. The U.S. based finance firm has backed several African startups, including e-commerce venture Jumia and South African fintech startup Jumo.

Twiga’s financing comes 11 months after a $10 million raise and announcement it would create additional revenue streams by moving into B2B supply chain for FMCG and other consumer products.

Prior to this, Twiga focused primarily on agricultural goods and connecting the product of farmers more efficiently to marketplaces.

The venture has moved quickly on diversifying its supply-chain product mix. “We’re not just doing fruits and vegetables…I’d say we’re at 50/50 now between FMCG and fresh,” said Njonjo.

“We’ve pivoted a bit as a company…we see our purpose as an organization around what I would call aggregating the informal retail, then using technology, and then using that buying power to essentially provide lower, better cost goods across cities,” he said.

Co-founded in Nairobi in 2014 by Njonjo and Grant Brooke, Twiga Foods serves around 3,000 outlets a day with produce through a network of 17,000 farmers and 8,000 vendors. Parties can coordinate goods exchanges via mobile app using M-Pesa mobile money for payment.

The company has reduced typical post-harvest losses in Kenya from 30% to 4% for produce brought to market on the Twiga network, according to Njonjo.

Transferring these gains from improved supply-chain to a wider variety of food products has upside for economies and and consumers, he believes.

“[If you] get farmers now producing at large scale and supplying into you, and manufacturers that don’t need to invest in distribution systems, it has huge benefit,” said Njonjo.

“Think about in some of these economies, if you’re spending 55% of disposable income on food, if that number were to go down to 40% — because of…gaining efficiency — what you’ve done is to release 15% for consumers to spend for other things.”

As TechCrunch reported in November, Twiga Foods’ consistent volume and revenue flow from agricultural goods provides a foundation to add other product categories to its B2B network.

“If we can build a business around fresh fruit and vegetables…It’s now much easier to lay things over that would have been very expensive to get to end retailers,â€� Twiga co-founder Grant Brooke said.

This could put the startup in a position to enter or supply B2C e-commerce with more favorable margins than existing players, i.e., online retailer Jumia — with high fulfillment expenses.

On that prospect, “It’s not something we”re thinking about from a strategic standpoint,” said CEO Njonjo.

But Twiga has factored for its advantages in the B2C e-commerce space. “Let me put it this way, if you’re able to serve Nairobi’s 180,000 retailers, it means that the furthest customer would be less than 2 kilometers away from any shop. That’s the power of building a B2C business on top of a B2B platform. So definitely, the potential is there,” said Njonjo.

That leaves some room for conjecture that Twiga Foods could pivot toward supplying or entering online retail in Africa.

For now the company will focus on performance metrics around its current model.

“We’re not sharing data around revenue and profitability. But…over the next 12 months as we scale, our unit economics is front and center to ensure we’re growing our margins faster than our costs,” said Njonjo.

 


Source: TechCrunch

Best Amazon Alexa devices for 2019 – CNET

Discover which smart home devices play best with your Echo smart speaker.
Source: CNET

5 things you need to know about the 2020 Volvo S90 T6 AWD R-Design video – Roadshow

With an air of understated elegance, loads of safety tech and an unabashedly Scandinavian interior, the Volvo S90 is an ideal rival to the BMW 5 Series and Mercedes-Benz E-Class.
Source: CNET

Koyo raises $4.9M in equity and debt to use open banking to offer loans to people with ‘thin’ credit files

Koyo, a fintech startup using open banking to offer loans to people with “thin” credit files and currently poorly served by the market, has closed $4.9 million in funding.

The round — a mixture of debt and equity funding — is led by Forward Partners, with participation from Seedcamp. Other investors include Christian Faes (founder and CEO of LendInvest), and Charlie Delingpole (founder and CEO of ComplyAdvantage).

Founded in late 2018 by ex-Frontline Ventures VC Thomas Olszewski, and launching later this year, Koyo is attempting to tackle the problem whereby people without much of a credit history, such as migrants or those who have never taken credit or aren’t the main bill payer, aren’t able to secure a loan.

And even if they are, the financial products they’ll typically get access to often charge excessive fees and have an extremely high interest rate.

By using open banking data to better assess risk based on a person’s up-to-date transaction history, the company thinks it can offer something a lot more competitive.

“If someone is new to the country or otherwise has a thin credit file it can be difficult for that person to access credit,” says Olszewski. “For example, if you’ve been in the country for a year or two and you’d like to get a personal loan, the types of loans that would be offered to you would be payday loans (1,000%+ APRs) or longer term loans in the 50-99% APR range that may require a guarantor”.

The reason is because these types of customer have little or no information in their credit file, and the vast majority of lenders rely on the three main bureaus (Equifax, Experian, Transunion) to make a credit decision.

“We estimate 15-20% of the population are not captured by bureau data,” explains Olszewski. “Koyo is unique in that we require all customers to connect their current account to our platform using open banking, and we make a lending decision based on the transactions in that customers account, rather than just looking at the credit score. So, if we see the customer has regular income, has a reasonable expenditure relative to the size of their income, that customer may be eligible for a loan from us”.

With regards to competitors, Olszewski says that if you have a thin credit file (or have no file at all) and are unable to get a loan from a bank, there are providers such as Amigo Loans, and 118 Money or Sunny. However, he claims that Koyo will usually work out 50-90% cheaper on an APR basis.

“We expect our representative APR to be in the c35% range. While this may be expensive to people who have access to high street bank loans, it is a really exciting proposition for this market segment,” he adds. In addition, Koyo won’t charge late fees, early repayment fees, loan originations fees “or fees of any sort other than interest”.

Meanwhile, I’m told that Koyo is currently a “nimble” team of just 6, with 4 people in the management team. Along with Olszewski, they are CTO Guy Evans (former CTO of LendInvest), Head of Risk Kevin Allen (former CRO of Ratesetter) and Head of Marketing Peter Kent.


Source: TechCrunch

Welcome to the Jungle raises $22.3 million to make recruitment easier

French startup Welcome to the Jungle has raised a new $22.3 million funding round (€20 million). The startup is both a media company and a tech startup that wants to empower tech companies when it comes to recruitment. It doesn’t find the right candidate for you, it helps you get exposure, track application and facilitate onboarding.

Gaia Capital Partners is leading the round with existing investors Bpifance, XAnge and Jean-Paul Guisset also participating. With today’s funding round, the company wants to expand to more countries and develop new products.

This is also Gaia Capital Partners’ first investment. The firm raised a $110 million fund (€100 million) with around 40 limited partners, such as Sycomore Asset Management, Generali Investments and Bpifrance. The growth fund headed by Alice Albizzati and Elina Berrebi is going to focus on companies that have a positive environmental or societal impact at Series B stage and above.

Welcome to the Jungle is currently available in France, Spain and Czech Republic. Up next, the company is going to open offices in Germany and the U.K.

The company works with photographers and a video crew to create high quality profiles of other companies that are actively recruiting. This way, potential candidates can browse those profiles, learn more about companies and make up their mind.

Companies pay for those profiles to improve their branding, especially when it comes to recruitment. And it seems to be working well as there are now over 2,500 clients, including 250 in Spain and 100 in Czech Republic.

More recently, Welcome to the Jungle has started to expand beyond those showcases to tackle the recruitment process at large. The startup launched Welcome Kit, an applicant tracking system to manage job offers and take care of job applications.

With Welcome Kit, you can design a career site, write job postings and create application forms. Your recruitment team then receives applications, comments and collaborates with the rest of the team, sends emails using templates and more.

4,000 companies are using Welcome Kit. Collectively, they have posted about 150,000 job offers and received 2.5 million applications.

And now, Welcome to the Jungle is about to launch Welcome Home, the startup’s take on the good old intranet. The company realized that too many people who join a company don’t feel at home right away. And some people will even quit just a couple of months after joining a company.

You will be able to create an employee directory, post company-wide announcements and get information using Welcome Home. All of this should help create a more welcoming environment for newcomers.


Source: TechCrunch

La agricultura y ganadería ecológicas son peores para el cambio climático

Aunque las técnicas utilizadas son más respetuosas con el medio ambiente, requieren más terreno para producir la misma cantidad de alimento, lo que reduce la superficie capaz de captar CO2, y la mayor esperanza de vida de los animales aumenta las emisiones de metano, según un nuevo estudio
Source: MIT

"La IA describe un piso en 40 segundos, antes tardábamos una semana"

El CEO de la gestora de inmuebles Anticipa, Eduard Mendiluce, desgrana los beneficios que ofrecen las nuevas tecnologías, como la inteligencia artificial, a un sector que aún tiene mucho por digitalizar. Pero avisa de que la automatización de procesos solo es posible cuando se dispone de muchos datos
Source: MIT

Weird Halloween horror films and TV shows you may have overlooked – CNET

Vengeful witches, killer cults, evil dolls and tentacled sea creatures. Watch these unusual scary films and TV shows, streaming now, to get your spook on.
Source: CNET

How to watch World Series Game 5 between the Astros and Nationals live without cable – CNET

You don’t need a cable subscription to stream the Fall Classic tonight on Fox.
Source: CNET

Facebook pulls false political ad about Sen. Graham – CNET

Move shows that falsehood exemption doesn’t apply to political groups.
Source: CNET

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