What should a new duka track in the first month?

Every sale, cash vs M-Pesa, stock purchases, and named deni—on a short catalogue of top sellers.

When should I add staff logins?

As soon as someone else sells regularly—shared PINs hide mistakes and shrinkage.

What does success look like at 90 days?

You can state yesterday’s sales, know top movers, reconcile often, and show a month of history if asked.

Guides / First 90 days

Starting a duka: first 90 days money & stock system

The first three months decide whether you are building a business or an expensive hobby. You do not need perfect accounting—you need a simple system for cash, M-Pesa, stock, and deni that you will actually use.

Starting F-Biz on Android for a new Kenyan duka — Day one: phone, PIN, and a short catalogue—not a perfect warehouse.

Days 1–30: Survival habits

List your top sellers only (20–50 items)—expand later
Record every sale the moment money changes hands
Separate cash and M-Pesa in the record—not only in your pocket
Write down stock purchases the same day
Refuse fuzzy deni: name + amount or no credit

Setup help: first 30 minutes with F-Biz, Mini mode if Full feels heavy.

Days 31–60: Control the leaks

Reconcile cash + M-Pesa vs sales at least weekly (daily is better)
Spot-check stock on your fastest movers
Kill duplicate product names that confuse the till
Track a few weekly expenses so “busy” does not hide losses

Read: M-Pesa and cash without losing stock, stop stock shrinkage.

Dashboard showing early duka revenue and expenses in the first months — By month two you should trust today's net—not only the till feel.

Days 61–90: Decide what to grow

Double down on lines that actually move (and make margin)
Cut or discount dead stock deliberately—not by accident
If someone else sells, add a proper staff login
If you need capital, start cleaning exportable history now—not the week of the SACCO visit

See SACCO/bank loan records and expenses and real profit.

The 90-day scoreboard

Can you state yesterday’s sales without reconstructing M-Pesa messages?
Do you know your top 10 sellers?
Is deni written and named?
Have you reconciled at least eight times?
Could you show a month of history to a supplier or lender?

How F-Biz fits the first 90 days

F-Biz by Fayvad is built for this ramp: offline-first Android selling, stock, deni, and clear day totals without buying a desktop till. Start free, keep the habit, then grow into staff, Market, or plans when volume demands it.