Maxi Carli

Maxi Carli Bookkeeping
Financial literacy
Counsultancy
https://youtu.be/4Fft3cKwcnE?si=wTrHyMo-WdegPlxY

Let us grow together, 🥂🥳
07/02/2026

Let us grow together, 🥂🥳

Bookkeeping Setup for You!
21/10/2025

Bookkeeping Setup for You!

20/10/2025

BOOKKEEPING FOR BEGINNERS!

Kenyans from the diaspora are leading the way; Are using BTC to transact. What's wrong with the dollar?
07/10/2025

Kenyans from the diaspora are leading the way; Are using BTC to transact. What's wrong with the dollar?

Can be true,
07/10/2025

Can be true,

Gold Futures
06/10/2025

Gold Futures

Would You Borrow Ksh 1 Million at 12% to Earn 21%+?Smart Arbitrage or Risky Bet?Sounds bold, right?But let’s unpack a st...
06/10/2025

Would You Borrow Ksh 1 Million at 12% to Earn 21%+?
Smart Arbitrage or Risky Bet?

Sounds bold, right?

But let’s unpack a strategy that few dare to try —
Not because it’s unsafe…
…but because it’s unfamiliar.

You’ve probably taken SACCO loans before:

✅ To buy “appreciating” land that’s still bushy five years later
✅ To fund a car, a wedding, or a project that brings no returns

But what if, just once, you borrowed to invest —
Not in consumption, but in cash-generating assets?

Today, let’s stretch that comfort zone.

🧠 The Big Question:
Could you take a Ksh 1 million SACCO loan and channel it into a high-yield fund such as:

🔹 Arvocap Almasi Fund (25.32% annualized return)
🔹 Mansa-X Fund (21.37% annualized return)
(As of 30th September 2025)

Let’s break the numbers 👇

🔹 Step 1: The SACCO Loan
Loan amount: Ksh 1,000,000

Interest rate: 12% p.a.

Repayment term: 3 years

Monthly installment: Ksh 33,214

Total interest: Ksh 195,715

Processing fee: Ksh 10,000

✅ Total cost: Ksh 205,715

But wait — don’t forget your SACCO benefits.

💸 Step 2: Your SACCO Returns
If you have:

Ksh 350,000 deposits

Ksh 30,000 share capital

And your SACCO pays:

10% rebate on deposits

15% dividend on share capital

Then over 3 years, you’ll earn:

Rebates: ~Ksh 99,750

Dividends: ~Ksh 12,825

✅ Total returns: Ksh 112,575

So, your effective cost of borrowing =
205,715 – 112,575 = Ksh 93,140

Now here’s where it gets interesting.

💰 Step 3: Invest the Ksh 1M
OPTION 1 — Arvocap Almasi Fund (25.32%)
Future value after 3 years: Ksh 1,794,588

Total gain: Ksh 794,588

Less loan cost: 93,140
✅ Net Profit: Ksh 701,448

OPTION 2 — Mansa-X Fund (21.37%)
Future value after 3 years: Ksh 1,867,426

Total gain: Ksh 867,426

Less loan cost: 93,140
✅ Net Profit: Ksh 774,286

🎯 The Takeaway
This is strategic leveraging — not gambling.

You’re borrowing cheap money (12%)
To invest in higher-yield assets (21%–25%)
While still earning dividends from your SACCO.

It’s financial arbitrage

The 8 Steps of the Accounting CycleIf you’re learning accounting or working in finance, here’s a quick summary of the fu...
06/10/2025

The 8 Steps of the Accounting Cycle

If you’re learning accounting or working in finance, here’s a quick summary of the full cycle every accountant follows 👇

1️⃣ Spot and analyze transactions
2️⃣ Record them in the journal (debits & credits)
3️⃣ Post to the General Ledger
4️⃣ Prepare the unadjusted trial balance
5️⃣ Make adjusting entries (for accruals, prepayments, depreciation, etc.)
6️⃣ Prepare the adjusted trial balance
7️⃣ Create financial statements (Income Statement, Balance Sheet, Cash Flow)
8️⃣ Close the books and reset for the next period

🎯 Goal: To make sure financial reports are complete, accurate, and ready for decision-making.

Interesting!
06/10/2025

Interesting!

What is happening here..Oh mY!
05/10/2025

What is happening here..Oh mY!

Do you have a business and lack basics of accounting? this is the right place to start.!
23/09/2025

Do you have a business and lack basics of accounting? this is the right place to start.!

22/09/2025

Did you know what one billion shillings can achieve?

With one billion shillings, you could pay a salary of KSh 200,000 every month for more than 400 years—and still have money left over.

This is why when we hear that a county has lost even “just one billion shillings,” we should not take it lightly.

It is not merely money lost; it represents opportunities wasted—enough to finance the entire lifetime of at least five people.

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