How Loan Refinancing Works for Kenyan Borrowers
Loan refinancing in Kenya allows borrowers to replace an existing loan with a new facility, usually to obtain better terms such as a lower interest rate, a longer repayment period, or a more manageable monthly installment. In practice, refinancing is used by households, SACCO members, and businesses to adjust debt obligations to current income levels […]
The Long-Term Cost of Instant Mobile Credit in Kenya
Instant mobile credit has become one of the most widely used forms of short-term financing in Kenya. By 2026, however, its true cost is no longer defined only by the advertised interest rate. Instead, borrowers face a layered expense structure that combines regulated disclosures, statutory levies, penalty mechanics, and non-financial burdens that compound over time. […]
What Banks Consider Before Approving a Personal Loan in Kenya
Kenyan banks in 2026 no longer rely on flat or uniform interest rates when pricing personal loans. Instead, lenders apply a mandatory Risk-Based Credit Pricing Model that determines both loan eligibility and the interest rate charged to each borrower. The approach means two customers applying for identical loan amounts can receive very different pricing outcomes […]
How Credit Listings Affect Loan Access in Kenya
Credit listings play a central role in determining access to credit in Kenya, acting as a financial record that lenders use to assess borrower risk. These records are maintained by licensed Credit Reference Bureaus (CRBs), including Metropol, TransUnion, and Creditinfo. Each bureau aggregates repayment data submitted by banks, SACCOs, microfinance institutions, and digital lenders, producing […]
Why Bank Loans Cost Less Than Mobile Credit Over Time
Bank loans in Kenya continue to cost far less than mobile and digital credit over time, driven by differences in regulation, funding models, pricing structures, and repayment periods. Data available through December 2025 and regulatory changes taking effect in early 2026 show a widening gap between the two forms of borrowing, particularly once short-term fees […]
Genetec on how African cities can future-proof smart infrastructure
African governments, investors, and companies should focus on talent development and flexible technology as they pursue smart city and major infrastructure projects, according to Andy Mackay, marketing director for Genetec across Europe, the Middle East, and Africa (EMEA). Mackay, speaking in an interview with Africa Digest News, said the continent faces a shortage of professionals […]
A Step-by-Step Guide to Investing in the Kenya Pipeline Company IPO
The Kenya Pipeline Company (KPC) launched its Initial Public Offering (IPO) on January 19, 2026, offering investors an opportunity to buy into one of the country’s key energy infrastructure companies. The government is selling a 65 percent stake in KPC at Sh9 per share, with the subscription period set to close on February 19, 2026. […]
Sidian Bank Launches Corporate Social Responsibility initiatives in Meru to support access of clean water in schools
Sidian Bank today rolled out its Water, Sanitation, and Hygiene (WASH) Campaign in Meru County, aimed at improving access to clean water, promoting hygiene awareness, in different parts of Meru County region in bid to support access of clean water in schools in the county. This campaign responds to a practical and pressing need of […]
Liberty Kenya Joins United Nations Global Compact to Advance Responsible Business and Ethical Governance
NAIROBI, Kenya — Liberty Kenya has officially joined the United Nations Global Compact, the world’s largest corporate sustainability initiative, marking a significant step in strengthening the integration of responsible business practices across its operations. This milestone was formalized during a certificate handover ceremony held at the Liberty Head Office, underscoring Liberty Kenya’s commitment to aligning […]
Why Nedbank Is Buying NCBA and the Four Strategic Reasons Behind the Sh109.9 Billion Deal
Nedbank Group has launched a Sh109.9 billion (approximately ZAR 14.4 billion) offer to acquire 66 percent of NCBA Group Plc through a combination of cash and stock. The partial tender offer provides different payout options depending on shareholder size. Investors eligible for fewer than 200 Nedbank shares will receive Sh105 per NCBA share in cash, […]