Mama Wanjiku Fresh Vegetables · Githurai
Log in as Mama Wanjiku
After npm run seed:mama-wanjiku, sign in at portal login with mama.wanjiku.demo@example.com — supplier bills, credit, and inventory in Control Spend will load her stall data automatically.
Ethnographic MSME Demo · Informal vegetable retailer / Mama Mboga
Mama Wanjiku Fresh Vegetables: Is today's sales profit or just fresh stock?
Githurai Estate Junction, Nairobi · 5:30 AM – 9:00 PM · 11 years · Wakulima Market supply
Story mode · Ethnographic MSME Demo
Meet Mama Wanjiku
Step 1 of 8
42-year-old vegetable retailer at Githurai Estate Junction — 11 years feeding families with sukuma, tomatoes, and trust.
“Mboga inaenda haraka, lakini pesa inapotea polepole.”
Translation: The vegetables move fast, but the money disappears slowly.
— Mama Wanjiku · Githurai Estate Junction
What ClariFi sees in her biashara
Simple cards — the same themes from the case study, tied to live demo numbers.
The Biashara is the Household
School fees, rent, and food come from the same stall cash. ClariFi flags when household pulls threaten tomorrow’s stock.
Trust is Infrastructure
Neighbourhood credit and supplier tabs run on reputation — not contracts. Visibility protects both sides of trust.
WhatsApp is Commerce
Orders from estate groups and apartment chats now rival walk-ins. Track conversion and repeat buyers, not just chat volume.
Spoilage Eats Profit
Tomatoes and sukuma wilt fastest. Daily spoilage value shows whether sales are replacing stock or building margin.
Credit Builds Loyalty but Strains Cash
Emotional selling hides receivables. Collect top balances before adding supplier debt.
From Exercise Book to ClariFi Intelligence
Memory, M-Pesa statements, and a notebook got her this far. ClariFi adds spoilage, credit, and cash clarity without complicated dashboards.
Intelligence snapshot
Derived from 75 days of seeded activity — not hardcoded headlines.
Avg daily sales
KSh 11,418
Gross margin (est.)
30%
Avg spoilage / day
KSh 758
Household leakage
LOW
Customer credit exposure
KSh 6,900
Supplier dependency
9/100
WhatsApp conversion
34%
Repeat buyer rate
72%
Cash preservation
88/100
Embedded finance readiness
62/100
Community trust
92/100
Financial discipline
48/100
Digital readiness
62/100
Example market day
Opening cash
KSh 3,500
Stock purchased
KSh 8,200
Sales collected
KSh 10,400
Spoilage loss
KSh 900
Total daily cost
KSh 10,900
Net cash after costs
KSh 3,000
Working capital gap
KSh 2,300
Margin risk
MEDIUM
Stock & spoilage tracker
| Product | Sold | Spoiled | Margin/unit |
|---|---|---|---|
| Tomatoes | 61 kg | 8 kg | KSh 35 |
| Onions | 42 kg | 3 kg | KSh 25 |
| Sukuma Wiki | 92 bunch | 6 bunch | KSh 12 |
| Coriander (Dhania) | 32 bunch | 3 bunch | KSh 10 |
| Potatoes | 58 kg | 5 kg | KSh 20 |
| Cabbage | 24 head | 2 head | KSh 20 |
| Spinach | 48 bunch | 4 bunch | KSh 10 |
| Carrots | 27 kg | 2 kg | KSh 25 |
| Green Maize | 38 piece | 4 piece | KSh 10 |
| Avocados | 40 piece | 4 piece | KSh 20 |
Supplier ledger
Total outstanding: KSh 7,500
Wakulima Market Broker (Main)
assorted vegetables
KSh 2,500
Due in 5 days · pending
Mkokoteni Operator — Githurai run
daily transport & handling
KSh 600
Due today · due_today
Marikiti Potato Wholesaler
potatoes
KSh 3,200
Due in 7 days · pending
Gikomba Coriander Supplier
dhania / coriander
KSh 800
Due in 2 days · urgent
Packaging Vendor — Githurai
bags & ties
KSh 400
Due in 4 days · partial
Customer credit tracker
Total outstanding: KSh 6,900
- Walk-in regulars (tab)KSh 450
- Githurai Estate householdsKSh 1,100
- Sunrise Apartments WhatsApp groupKSh 1,650
- Githurai Women ChamaKSh 900
- Njoki Kibanda & small hotelKSh 2,800
Working capital readiness (illustrative)
Readiness: Moderate · Score 62/100 · Suggested Daily Stock Advance KSh 8,000
- Consistent daily sales
- Supplier balances visible
- Spoilage needs tighter control
- Customer credit is rising
- Mobile money history supports cashflow review
WhatsApp commerce
16 of 18 orders fulfilled this week · 72% repeat buyers · top channel: Sunrise Apartments WhatsApp group
- “Habari Mama Wanjiku — sukuma 3, tomato 2kg, dhania 2. M-Pesa 0722*** sent.”
- “Leo nataka cabbage 2 na carrot 1kg — nitachukua 6pm.”
Household–business cash
- House rent (monthly portion)KSh 4,500 · monthly
- School feesKSh 2,000 · term
- Household groceriesKSh 1,200 · daily
- HealthcareKSh 800 · as_needed
- Church givingKSh 300 · weekly
- Funeral contribution (harambee)KSh 500 · event
- Emergency — boda accident neighbourKSh 1,000 · event
County enforcement (2026-04-12): County enforcement — display table fine — KSh 2,000 lost.
Dashboard insights
Spoilage loss detected
KES 900 today
Customer credit outstanding
KES 6,900
Supplier balances due
KES 9,500
WhatsApp orders up 34% this month
16 of 18 orders fulfilled — track repeat buyers in Sunrise group
Tomatoes have the highest spoilage risk
8 kg spoiled this week — review purchase quantity
County enforcement exposure
KES 2,000 fine in April — keep levy receipts in one folder
Sukuma wiki is the fastest-moving product
92 bunches sold · restock before sunrise
Family withdrawals are reducing restocking cash
KES 1,200 today — separate household from business cash
Suggested stock advance
KES 8,000 daily stock advance when credit is collected
Collect customer credit before increasing supplier debt
KES 6,900 outstanding across 5 customers
ClariFi loop
- DiagnoseSpoilage, credit sales, and supplier balances are reducing real profit.
- DecideReduce tomato purchases by 15% and collect top customer balances.
- DeploySend WhatsApp reminders to Sunrise group credit buyers and update Wakulima payment plan.
- DefendSet daily spoilage cap and separate household withdrawals from business cash.
- GrowUse clean sales history to qualify for a small daily stock advance.
Mama Wanjiku is not just selling vegetables. She is feeding families and moving the Githurai economy.