HR SOLUTION: Time and Attendance Management

What is TruAttendance?

TruAttendance is a time and attendance software designed to help entrepreneurs and business owners streamline their employee attendance, shift scheduling and management of leave requests. TruAttendance tools include a web-based advanced and intelligent management dashboard with live statistics that is suitable for small teams and flexible enough for managing larger teams and a self-service employee mobile app ideal for employees to clock-in, apply for leave and also access their weekly schedules easily. TruAttendance is able to manage employee time and attendance management workflows for companies in any industry, helping those company automate their time and attendance processes.

TruAttendance is a modern attendance management solution. Complete with location geo-fencing capabilities, break-tracking and the ability for employees to clock out and provide context to the work place.

Can we automate attendance management in my industry?

Imagine this scenario: a field marketing lead has asked his field marketers to handout marketing stickers and notes at a certain mall, but because he is not on location he asks the team to send him pinned location from WhatsApp to confirm their location. Unbeknown to him, only half of the field marketing team has shown up, and they share their pinned location screenshots with those not in attendance. This not only reduces the productivity expected from this group but also a mild case of payroll fraud. Timesheet fraud which involves employees falsifying their timesheet submissions is one of the common types of payroll fraud faced by companies.

Why you should get a Time and Attendance Management system.

If you’re in charge of running a business, you may be tempted to cut costs by relying on spreadsheets and manual practices to track employee time and process payroll. However, doing so is likely to produce the opposite effect.

Multiple studies have shown that companies who process payroll manually have error rates from 0.5 – 2 percent.

A well-implemented time and attendance system saves an organization money, and the administrator from the headaches that come along with manual processes.

Beyond the cost-savings related to human error, here are other reasons to invest in an automated time and attendance solution:

Deter Time Theft 

There are many ways employees can steal time at work.

The practice of buddy punching, where one employee clocks in for another employee, is common among companies that use traditional time clocks. 

Then there are employees who take advantage by coming in late, leaving early, or taking extended breaks. While these minutes may seem insignificant, they add up over time. An automated time and attendance solution is your best defense against padded timesheets and inaccuracies.

Demonstrate Compliance

The labour laws of Kenya have made the ability to calculate and document hours worked by employees more critical than ever.

Employers are required to retain specific records containing timekeeping data, and payroll information. Cloud-based time and attendance solutions means that important records are readily available, should the employer be called upon to produce them.

Reduce Overtime Hours Worked 

Overtime is often a result of poor scheduling. Outdated and incorrect data can lead to poor utilization of employee time. With an automated time and attendance solution this can be prevented by setting alerts to identify when an employee is close to approaching overtime eligibility.

Eliminate Bias

Even managers with the best intentions can’t keep tabs on the comings and goings of the employees who report to them 100% of the time. Workers who consistently get to work on time and take the allotted time for lunch may resent those who take advantage yet fly under the radar without being caught. Automated timekeeping solutions ensure all employees are treated fairly when it comes to time worked.

Boost Employee Engagement 

Compensation is one of the key drivers of employee engagement so it’s important to get it right. Not only do time and attendance solutions increase the accuracy of your payroll, integrated solutions provide other benefits that boost engagement. Mobile solutions provide employees with the ease and convenience of clocking in from their smartphone or desktop. 

Still not convinced? If you need help determining what is best for your organization, get intouch with us to guide you through.

How to Apply for A Salary Advance Facility in Kenya

How do I apply for a salary advance?

Do you have an emergency that can be solved by getting access to a salary advance facility? You can get an advance payment from the convenience of your phone. Through the myNGOVO standalone mobile app available on Google Playstore you can be able to apply for a salary advance payment straight to your MPESA instantly with no interest charges.

What Are the Requirements?

Requirements needed to apply for a salary advance are: one must be an employee with a partner company with myNGOVO to enjoy interest-free salary advances, ability to download the mobile application from Google Playstore and MPESA mobile wallet.

How does the salary advance facility work?

You can be able to access salary advance payments through the myNGOVO mobile app for any employee whose employer has a partner relationship with myNGOVO. This allows for employees to be able to access up-to 50% of their net salary through our instant deposit mobile app without any interest charges which is then reimbursed to myNGOVO on your next payday. This reimbursement is done by your employer hence you will never get any harassing messages from us.

Is the myNGOVO on-demand salary advance facility in Kenya a mobile loan?

No. myNGOVO salary advance facility is an extension of an employer’s commitment to employee well-being and since it is implemented as an employee benefit and with no interest charges, this is simply the ability to access your salary as you earn it through the platform.

How much salary advance can I access?

myNGOVO salary advance allows you to access up-to 50% of your net salary. This ensures there is never a scenario where an employee can go home with less than a third of their take-home salary.

How do I ask for salary advance payment?

myNGOVO salary advance is a revolutionary platform allowing you to access salary advance payments through a mobile application. This ensures you never have to go to HR or worry about writing letters asking for advance payment as this is all handled through the application.

Access your salary advance conveniently with us

Call us today on 070504336

Employee time and attendance manager: TruAttendance

TruAttendance is an employee time and attendance management software solution with three modules: leave management, clock-in/out and shift scheduling built for MSMEs in Kenya with a mobile app allowing employees to clock in and out of work and an advanced management dashboard with live statistics allowing business owners to easily manage staff attendance, approve leave requests, export reports and streamlining workflows.

According to a National Economic Survey by Central Bank of Kenya, MSMEs constitute 98% of businesses, create 30% of jobs annually and contributes to 3% of the GDP. Rapid changes in technology is listed as one of the hindrances to growth of SMEs by a Deloitte Kenya Economic Outlook 2016 report. Small businesses have small margins and with a solution that helps MSMEs minimize costs and improve their operations can make all the difference.

We believe that digitizing the way MSMEs manage their staff attendance is another opportunity to expand our capabilities and to be a larger player in the MSME space. With our early wage access and salary advance product, myNGOVO Advance, we are able to offer employees part of their earnings throughout the month for their daily needs instead of paying exorbitant interest charges through an easy-to-use mobile app. TruAttendance fits perfectly into this mold giving us the opportunity to improve the productivity of employees while catering for their financial wellness.

This product has been developed to be as simple as possible even for those who are not tech-savvy but can also serve the needs for larger organizations with an integrated enterprise-grade access management solution eliminating redundancies and increasing productivity.

Thanks for your patronage. We would love to serve you in your productivity journey. Create an account and download the app. You can reach out to us and we promise to respond in 24 hours through

Are Digital Mobile Lenders the New Loan Sharks?

There are 14 million people blacklisted by Credit Reference Bureaus (CRBs) in Kenya according to the latest figures released by the CRBs, indicating a 45% jump between August 2020 and January 2021. This has been largely attributed to the proliferation of mobile app loans with a 2019 FinAccess report showing mobile bank loans and digital app loans with the second and the fourth highest default rate by loan type respectively. This has led to many people accusing digital app lenders of loan shark tendencies, deliberately lending to people who can’t afford to pay back due to the high interest rates, by use of alternative data such as MPESA transaction history and access to a borrower’s contacts which gives them leverage in nudging borrowers to repay loans in default.

One of the reasons that reinforces the claim that digital mobile lenders operate a debt-trap business model is that they loan a lot of money to the unbanked and underbanked.  This is shown in the significant growth in the number of borrowers who can access quick unsecured loans through their mobile phones easily with no previous credit repayment history. On the flipside, according to Internet World Stats (IWS), Kenya recorded the highest internet infiltration rate in Africa in the year 2020 with 87.2% of the country’s population having been connected to the internet. This presented a huge market to provide the unbanked and underbanked with financial services through the internet, from providing loans and financial literacy through the new pervasive medium, a demographic that had largely been neglected by the formal banking system.

Digital app lenders are also accused of operating with opaque lending practices that does not foster transparency before lending to borrowers. This is reflected in the punitive late payment fees that borrowers are saddled with. These fees end up crippling the financial health of a borrower leaving them in a negative-pay cycle, borrowing to repay loans due. Digital lenders when pressed on this issue, they point out to their terms of service that every borrower must agree to before they access the financial services offered. Hence from their assertion, it is the prerogative of the prospective borrower to assess the terms of the service before agreeing and then decrying when they are enforced.

To rebut these and other claims made against them, digital lenders posit that they don’t just loan to borrowers with debt distress as they invest in technology that utilizes alternative data provided by the prospective borrower to paint a borrower’s ability to pay a loan and the limit determined by the credit scoring engines that heavily rely on data science and machine learning. This enables digital mobile lenders to provide a service that was previously not available to the unbanked and underbanked, hence democratization of finance.

Last year the Central Bank of Kenya (CBK) revoked the approval of digital lenders to share their data with CRBs and exempted those borrowing less than Ksh 1,000 to try and tame the runaway defaulting, and with members of parliament clearing a Bill that seeks to regulate mobile loan rates, this paves the way for a regulatory framework for digital mobile lenders and a wider adoption of financial services by the population to take advantage of the fourth industrial revolution without stifling innovation.

Salary Advance In Kenya On-demand with myNGOVO Mobile App

Salary advance is a short-term financing facility that is advanced to salaried employees in Kenya through the myNGOVO mobile app with no interest charges. Employees can access up to 50% of their net salary through the app any time of the month instantly deposited into their mobile money account for convenience. This allows employers to lift the morale of their workers improving productivity and reducing anxiety over financial stress and employees are able to access their salary advance whenever they need it with no punitive penalties and charges.

How It Works

The turnaround process from initial contact by employer to first salary advance payment request is less than twenty four hours with the whole process automated. Employers sign up for free and myNGOVO is launched inside the company. Employees are then able to download the app and register. After logging in, an employee is able to access salary advance payments any time of the day even during holidays. The employee account is reconciled during their next payday with only a 3.6% origination fee levied on the salary advance payment requested and no interest charges

Get Started

Empower your employees to avoid costly loans that leave them with a negative pay cycle and a recurring debt problem by giving them access to part of their salary whenever they need it. Employees can also refer their employers and we will do the heavy-lifting for you. Contact us today at 0705043366 or send an email to and start your financial wellness journey.

How CRBs In Kenya Make Money


TransUnion, Metropol and CreditInfo collect and store credit information on individual users from registered financial institutions and make the same information available to other institutions that need credit information on a user for a specified purpose.

So how do these credit bureaus make money?

TransUnion, Metropol and CreditInfo are for-profit organizations hence the need to generate revenue to offset their cost base. With the recent proliferation of mobile loans in the Kenyan financial sector, the role of credit bureaus has increasingly been put on the spot with the risk of over-indebtedness leading to many youths being listed with a negative CRB status owing to defaulting on the micro-loans. If you have accessed a loan from any registered financial institutions with explicit access to share their borrower’s information to the credit bureaus, your information is stored in the databases of either one or more of the three CRBs.

The main channel by which CRBs make money is by creating and selling credit reports of individual borrowers whose information has been shared by financial institutions. This may include accredited SACCOs, banks and online lenders, although they are largely restricted from accessing credit reports stemming from a directive by the Central Bank of Kenya from 2020.

In addition, CRBs may also gather publicly available data to enrich their databases with more data points that lead to a more holistic credit report that directly affects your ability to get liquidity and loans from financial institutions.

The CRBs can then sell the consumer credit reports to a lender trying to qualify a loan applicant or a credit card company determining your credit limit.

The CRBs also sell credit information to companies that want to use the data for marketing purposes. For example, a consumer with a low or negative credit status may be targeted by firms offering loans with no CRB check.

In a nutshell, CRBs do more than blacklist or whitelist potential borrowers. There are other services such as data analytics and their own white-label financial products that CRBs make money but their core business remains collecting, storing and disseminating credit consumer reports.

How to check your CRB status in Kenya

A Credit Reference Bureau is a firm that collects credit information from financial institutions on individual consumers and prospective borrower. This credit information is used for various use cases including determining your credit worthiness and how much a lender can advance financing to you as a borrower depending on your previous loan repayment behaviour. A positive CRB status implies a healthy repayment behaviour while a negative status means a defaulted credit which affects your ability to get a loan reprieve.

There are several CRBs licensed by the Central Bank of Kenya in provision of a centralized source of credit information shared by commercial banks and other financial institutions. They include TransUnion, Metropol and CreditInfo.

With the proliferation of mobile phone use, this has also simplified the way one can access their CRB status without increased friction.

To check your CRB status on Transunion:

  1. You first send your name to 21272 and register or download the TransUnion Nipashe app to avoid the SMS charges.
  2. Enter your ID number and choose your credit status.
  3. You will receive your CRB status.

To check your CRB status on Metropol:

  1. Download the Metropol Crystobol app or dial *433# after paying the registration fee using your ID number to paybill number 220388 and your ID number as the account number.
  2. Use your unique pin to access and view your status.

To check your CRB status on CreditInfo you will need to fill an online credit request form on their website.

With a positive confirmed status you can apply for a loan facility while those with a negative status will have to clear their outstanding loans to improve their creditworthiness. Are you looking for instant loan with no CRB check? Try and access salary advance facility today with no interest charges on your mobile phone.

Steps To Better Manage Your MSME and Grow

For many micro,small and medium-sized enterprises (MSMEs) they do not have the luxury of relying on managers but rather the sheer will and ambition of the business owner and proprietor.As the world has become a global village,with business owners forced to acquire knowledge in a variety of fields to remain competitive,solid management skills are vital for the present and future viability of the MSME as a going concern.

With a steep learning curve,MSMEs are faced with the challenge of growing their leadership and management skills beyond that of the business owner.This dictates the difference between success and failure,be it a barber shop with five employees or a restaurant with one hundred employees.

Over 14 million Kenyans,representing about a quarter of the population,are employed by MSMEs in various sectors of the Kenyan economy.This suggests a growing need for skills in team management and effective execution for continued success and increased job creation.

Globalization and an open economy presents a challenge for MSMEs top juggle implementing growth plans beyond their scope and still remain nimble while requiring their employees to achieve more with less resources.Hence they need to come up with structures and processes that are effective even for the smallest business while making maximum utility of time by employees to ensure increased productivity.These structures can lead to:

Proactive resource planning and allocation.

Improved efficiency in business processes.

Increased profitability.

Better customer relationship.

Effective management is a proven recipe for increased workforce satisfaction and less distractions through repeatable processes and guidelines that can be adopted throughout the business as you grow.

Here are the steps you can take towards managing your enterprise more effectively

  1. Plan

Developing a plan of attack is critical in the success if any venture.A well-thought-out plan will give your team a scope of the work before them and harmonize the goals of your employees with the anchor goal for your business.

Breaking down the plan into short-term deliverables while keeping a timeline for the tasks and responsibilities is a way of ensuring the plan is consumed by everyone in the enterprise.This will give you more visibility into the different facets of the plan hence better resource allocation and accountability from your team.

2. Effective Communication

Effective communication of the underlying goal to the team,be it on a monthly,quarterly or annual basis ensures the team is hyped and motivated working towards a shared vision.Making it easy for employees to update their supervisors on any anomaly or opportunity that arises can often lead to an enterprise being able to defend their position in the market or even start a different service provision occasioned by seamless and effective communication.

3. Technology

Business processes have become proliferated with technology tools that have become useful in conducting repetitive tasks in an enterprise. Combining technology that harnesses simplicity and efficiency will unlock the potential of your firm to do more with less.

In a nutshell

While it can be challenging for MSMEs during macro economic disasters,their advantage comes with being nimble and can weather any disaster in the economy focusing on better management of scarce resources to survive long enough for the economy to expand and take advantage of the addressable market opened up. Business owners have to figure out the best concoction for the success of their enterprises.

What is myNGOVO?

How many hours a day do you spend thinking about your financial situation?Reading on surviving on a budget?Searching for a better alternative to your current credit options?

What if you could put all that time back on your work schedule?Remember,accessing liquidity to meet your cash flow needs shouldn’t be so draining as the relationship between employer and employee is hinged on trust.It should be straightforward,convenient and also affordable.

That’s where myNGOVO comes in.

myNGOVO is a software platform that puts the financial wellness of workers above all else.Our platform provides employees the efficiency needed to do more with their income.

Available on your mobile device,the myNGOVO platform enables you to access your salary advance with ease.With a click of a button,advance payment is made to your mobile money account instantly.You can access salary advance anytime of the month and you have the ability to request payment more than once while within your limit.Never again waste your energy looking for ways to cater for your consumption needs. There’s no “mwezi iko corner” with our platform.Our platform brings cost savings that would have gone towards repaying costly debt,keeping you organized with your finances and maintaining your purchasing power,allowing you to enjoy essential goods and services in your daily life that you would have cut in order to make loan repayments.

At myNGOVO,we are committed to rethinking and redesigning products that encourage the broader coverage of financial inclusion especially for low-income workers,eliminating inefficiencies that stand in the way of getting serious work done.

Work takes effort,but compensation for work shouldn’t

Learn more about myNGOVO and discover how our financial-wellness platform can help your business in crossing the finishing line.

Reach out to us for inquiries: and request for demo of our platform through email: