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investa.co.ke, Nairobi (2026)

02/12/2025

Bob Karina's Faida Investment Bank has been picked to lead the mega KPC IPO - one of Kenya’s biggest privatisation moves yet.

The State plans to offload up to 65% of KPC, targeting to raise over KSh100B as the profitable parastatal heads to the Nairobi Securities Exchange.

KPC posted strong 2024 results: KSh35.3B revenue (+14.6%) and KSh10B profit (+31.56%), confirming solid investor appeal.

All proceeds will flow into the National Infrastructure Fund as Kenya shifts to capital-market-driven development.

27/11/2025

Kenya’s financial sector is experiencing a surge of optimism, with green bonds and fintech innovations reshaping investment priorities.

The standout story is the rapid rise of Buy Now Pay Later (BNPL), now seen as one of the country’s most promising growth bets.

Kenya’s economy received a vote of confidence this week after the World Bank projected annual growth of 4.9% through 2027, citing resilience despite mounting debt pressures.

The announcement comes as corporate giants and fintech startups alike unveil ambitious plans to capture investor appetite.

Safaricom PLC, the country’s largest telecom operator, launched the first tranche of its KSh 40 billion Medium-Term Note program, raising KSh 15 billion through a green bond that offers a tax-free yield of 10.4%.

Proceeds will fund solar-powered base stations and other low-carbon projects, reinforcing Kenya’s push to become East Africa’s green-finance hub.

“This is not just about returns,” said Safaricom CEO Peter Ndegwa. “It is about powering communities sustainably and securing our future.”

Investor enthusiasm is evident.

East African Breweries recently raised KSh 16.76 billion in an oversubscribed bond, underscoring strong demand for sustainable, high-yield instruments.

Analysts say the appetite reflects both confidence in Kenya’s corporate sector and a global shift toward ESG-aligned investments.

Yet the most dynamic story lies in fintech. The BNPL sector is projected to grow 13.6% in 2025 to $1.18 billion, with forecasts suggesting it could reach $1.86 billion by 2030.

Platforms such as Lipa Later and M-Kopa are reshaping retail by offering interest-free installment payments, a lifeline for Kenya’s largely unbanked population—estimated at over 60%.

“Now fintech apps are opening doors with a swipe.” The Central Bank of Kenya has cautiously endorsed embedded finance models, citing low default rates under 5% thanks to AI-driven credit scoring.

BNPL’s reach is expanding beyond urban centers. Farmers in Nyeri are using installment plans to acquire solar irrigation pumps, while traders in Mombasa eye cross-border opportunities under COMESA’s services expansion.

Women-led enterprises, which account for 40% of BNPL users, are also benefiting, aligning with Kenya’s broader financial inclusion goals.

Still, challenges remain. Regulators warn of risks tied to over-indebtedness, while traditional banks are stepping up competition with their own digital credit products.

Deputy President Rigathi Gachagua, speaking at a youth forum, quipped: “Our people want to buy now and pay later. But the government has been doing the same for decades—borrowing now, paying later. Who will pay at the end?”

For investors, the message is clear. Analysts recommend allocating 10–15% of portfolios to BNPL startups, with platforms like the Kenya Investment Authority’s eOpportunities portal offering entry points.

Early movers such as Tala have already scaled regionally, and global players like Visa and Mastercard are reportedly eyeing acquisitions.

Kenya’s financial mask is dancing—between resilience and risk, innovation and oversight. Whether BNPL becomes a bridge to prosperity or a trap of easy credit will depend on how wisely regulators, investors, and consumers navigate the rhythm.

27/11/2025

Kenya’s Fintech Surge: BNPL as the Prime Investment Frontier

Kenya’s financial markets are riding a wave of optimism.

In the past day, the World Bank raised its growth forecast, projecting annual expansion of 4.9 percent through 2027.

This adjustment underscores the country’s resilience, even as debt pressures remain a concern.

At the same time, Safaricom has launched a landmark KSh 15 billion green bond, the first tranche of a KSh 40 billion medium-term program.

With a tax-free yield of 10.4 percent, the bond is designed to finance solar-powered sites and other low-carbon initiatives.

The appetite for such instruments is evident: East African Breweries recently raised KSh 16.76 billion in an oversubscribed corporate bond, a clear signal of investor enthusiasm for sustainable, high-return opportunities.

Yet the most striking development lies not in bonds but in fintech.

The Buy Now Pay Later (BNPL) sector has emerged as a transformative force in Kenya’s economy.

Valued at $1.18 billion this year, it is expected to grow to $1.86 billion by 2030, expanding at a rate of 13.6 percent.

Platforms such as Lipa Later and M-Kopa are reshaping retail by offering interest-free installment plans, a model that directly addresses the needs of Kenya’s largely unbanked population, which exceeds 60 percent.

With e-commerce growing by 20 percent year-on-year and micro, small, and medium enterprises accounting for 80 percent of informal trade, BNPL is filling a critical gap in access to credit.

Several factors are driving this surge.

Smartphone pe*******on has reached more than 55 million users, enabling widespread adoption of digital payment solutions.

Partnerships with major platforms like Jumia are creating hybrid models that blend offline and online retail, further expanding BNPL’s reach.

Post-pandemic consumer behavior has also shifted decisively toward flexible payment options, positioning BNPL to capture as much as 15 percent of retail transactions by 2027—well above global averages.

The investment case is compelling.

Default rates remain below five percent, thanks to AI-driven credit scoring, while the Central Bank of Kenya has signaled regulatory support for embedded finance.

The social impact is equally significant: women-led enterprises account for 40 percent of BNPL users, aligning the sector with sustainable development goals and attracting ESG-focused capital.

Moreover, the potential for exits is strong.

Regional fintechs such as Tala have already scaled successfully, and global players like Visa and Mastercard are eyeing African markets for acquisitions.

Challenges remain, particularly around regulatory scrutiny of consumer indebtedness and competition from traditional banks.

Yet opportunities in rural agro-retail and in cross-border trade within COMESA, which is now expanding into services, provide important counterbalances.

For investors, the recommendation is clear: allocate between 10 and 15 percent of portfolios to BNPL startups, using platforms such as the Kenya Investment Authority’s eOpportunities portal.

This is more than a growth story.

It is a vision of Kenya’s fintech future—one that blends innovation with economic equity and positions the country as a leader in digital finance across Africa.

25/11/2025

Safaricom has announced the launch of the first tranche of its Fixed Rate Green Notes under a Domestic Medium Term Note Programme valued at up to KES 40 billion.

This opening issuance aims to raise KES 15 billion, with an additional KES 5 billion available through a greenshoe option.

The Notes will carry a fixed annual interest rate of 10.40 percent and will mature in five years.

Funds raised will be directed exclusively toward Eligible Green Projects as defined in Safaricom’s Sustainable Finance Framework, reaffirming the company’s focus on responsible investment and environmental protection.

The offer opens on 25 November 2025 and closes on 5 December 2025.

Allotment will be carried out on 8 December, and the Notes are set to be listed on the Nairobi Securities Exchange on 16 December 2025.

Investors are invited to take part in this significant development in the local capital markets.

23/11/2025

The way the NSE has risen this year is abnormal and unsustainable. In a normal market environment, stocks don't rise this abruptly. Even stocks with weak fundamentals have risen in a manner that denotes irrational exuberance.

The inexplicable rise of Uchumi's stock price this week further highlights this meme stock craze, which makes no financial sense. Inexperienced traders will be left holding the bag after buying the top and taking excessive risks.

The stock market can't outrun the economy. The economic underperformance will catch up with the stock market at some point. The deepening debt crisis has the potential to wipe out such quick gains in a flash. Traders and investors should be cautious and only invest in counters with solid fundamentals.

Any new trader or investor getting into the market at this point needs a long investment horizon. Short-term investors and traders risk obliteration and the attendant frustration.

21/11/2025

Nairobi, Kenya – A quiet but significant financial shift is underway in the capital following the enactment of the Virtual Assets Service Providers (VASP) Bill on November 7, 2025.

Within days of the legislation becoming law, the country’s first Bitcoin ATMs appeared on city streets, offering Kenyans direct access to cryptocurrency conversions.

The rollout comes amid a surge of investment in the fintech sector.

According to Central Bank of Kenya data, Sh82.3 billion ($638 million) was injected into local fintechs over the past year.

Financial inclusion now stands at 84.8 percent, with mobile money platforms such as M-Pesa already entrenched in daily transactions.

Analysts say the ATMs could extend services to the unbanked, turning smartphones into gateways for savings and investment.

On Moi Avenue, residents gathered around one of the new machines.

“It is not the coin, it is the escape,” said one user, highlighting frustrations with the weakening shilling, which has lost 25 percent of its value against the dollar since 2022.

Inflation remains steady at 5.1 percent, prompting many to seek alternatives.

Industry observers point to Kenya’s youthful demographic—over 70 percent of the population is under 35—as a key driver of adoption.

Early adopters report returns of 20 to 50 percent on Bitcoin holdings since the third quarter, far outpacing local stock performance. Safaricom shares, for instance, have risen just 8 percent year-to-date.

Global exchanges such as Binance and local startups are now eyeing expansion.

PwC projects Kenya’s digital asset market could reach $1 billion by 2027. However, experts caution that volatility and regulatory adjustments remain risks.

The VASP law requires Know Your Customer (KYC) compliance and anti-money laundering measures, which officials say will add legitimacy to the sector.

Financial analysts recommend diversification.

Some suggest allocating 5 to 10 percent of portfolios into Bitcoin or Ethereum, while balancing with traditional equities such as KCB Group, which has gained 15 percent this year on digital banking growth.

Kenya, long recognized for pioneering mobile money, may now be positioning itself as a hub for digital assets in Africa.

Whether the ATMs mark the beginning of a broader transformation or a passing trend remains to be seen, but the atmosphere in Nairobi reflects cautious optimism.

20/11/2025

We are pleased to announce that the Capital Markets Authority Kenya (CMA) has granted approval for Safaricom PLC to establish a Medium Term Note (MTN) Programme with an aggregate value of up to KES 40 Billion.

This programme is a significant step in our journey as a purpose-led technology company, opening the door for the issuance of Green, Social, and Sustainability notes. It reinforces our commitment to not only growing our business but doing so in a way that positively impacts our environment and community.

We intend to launch the first tranche (Tranche 1) soon and will share detailed terms in an upcoming information memorandum.

20/11/2025

Kenya's Fintech Boom: Safaricom's KES 40B Debt Play Signals Golden Investment Window

In the heart of Nairobi's bustling financial district, Kenya's economy is buzzing with a fresh catalyst for growth: Safaricom PLC, the telecom titan behind M-Pesa, just secured Capital Markets Authority (CMA) approval for a landmark KES 40 billion Medium Term Note (MTN) Programme.

Announced on November 19, 2025, this multi-tranche debt facility kicks off with Tranche 1, tapping into Kenya's robust corporate bond market.

It's not just a funding flex—it's a beacon for investors eyeing high-yield opportunities in East Africa's fintech powerhouse.

Why now? Kenya's fintech sector is on fire, with investments surging to KES 82.3 billion ($638 million) last year, per Central Bank of Kenya data.

This capital influx has propelled financial inclusion to 84.8%—a leap from 26.7% in 2006—fueled by mobile money innovations that serve agriculture, transport, and health.

Safaricom's move follows East African Breweries Limited's (EABL) oversubscribed MTN, proving the market's liquidity and appetite for blue-chip debt.

Amid global headwinds, Kenya's stable 4.9% GDP budget deficit target for 2026/27 (announced November 19) underscores fiscal discipline, making local bonds a safer bet than volatile equities.

For investors, this is prime territory.

The MTN programme offers flexible tenors and competitive yields, likely 12-15% based on recent issuances, outpacing inflation and bank rates.

Retail and institutional players can participate via the Nairobi Securities Exchange (NSE), with minimums as low as KES 50,000.

It's a gateway to fintech's ripple effects: think expanded digital lending via M-Pesa, cross-border remittances, and agritech tools lowering risks for smallholder farmers.

Broader tailwinds include the World Bank-backed SAFER Programme's KES 500 million injection into MSMEs (November 18) and green financing pushes for sustainable agro-processing.

Risks? Currency fluctuations and high interest rates linger, but Safaricom's AAA rating and 40% market cap dominance mitigate them.

Compared to tea sector volatility—where Kapchorua Tea posted a 422% H1 profit jump to KES 95.2 million despite falling revenues—this debt play is steadier.

Globally, Kenya's fintech allure draws parallels to India's UPI revolution, positioning it as Africa's next unicorn factory.

Bottom line: With NSE partnerships like the UK-backed MOBILIST channeling sustainable capital, now's the time to allocate 10-20% of emerging market portfolios here.

Stake a claim in Kenya's digital renaissance—yields, inclusion, and innovation await.

What's your move?

18/11/2025

WARREN BUFFET trashes BITCOIN

Warren Buffet is arguably the smartest and maybe the richest investor in the world.

He trashes Bitcoin saying it is not investing….it is speculation….. ie gambling.

He is saying a blow off top will wipe out Bitcoiners.

And from his worldly view he may be right.

Yet WB sells stocks, bonds, and other Wall Street manufactured “assets.”

Doesn’t WB know that stocks crash, real estate crashes, and US govt Bonds the “safest” investments in the world are at present being “dumped” by the Japanese and Chinese Central Bsnks?

I own gold mines, gold and silver coins for the same reason I own Bitcoin and Ethereum.

My reason is: I do not trust the Federal Reserve Bank, US Treasury, or Wall Street. Apparently Buffet does. I think they’re tight.

I invest in Bitcoin and Ethereum knowing they can boom and bust, because the Fed, the US Treasury, nor Buffet can produce Bitcoin or crypto.

If you have followed my “Tweets” I classify real gold and silver as “God’s Money”

I classify Bitvoin, Ethereum and crypto as “People’s Money”

I classify Fed, US Government, and Wall Street money as “Fake Money.”

I own real gold , silver, and Bitcoin… I will never invest in gold, silver, or Bitcoin ETFs…. Fake gold, silver, and Bitcoin…. Wall Street or Buffer’s money.

You can if you want. I prefer “real”
or “people’s money.”

I trust “Block Chain” more than Big 8 CPA firm…or any accounting firm auditing Walk Street money.

Neither do I invest in fake, paper real estate, call REITS.

ETFs and REITS are along with stocks, bonds, mutual funds….printed money….aka “counterfeit money.”

I do not live in a paper house or put paper gas in my car or eat paper apples.

Why would I invest in paper assets when real assets are available?

The reason why most people invest in fake assets is because our Marxist school systems do not teach financial education, which is why I created the Cashfliw Boardgame, wrote Rich Dad poor Dad and founded the Rich Dad Company 25 years ago

Q: WHY DO INVEST?

A: As stated earlier. I do not trust the FED…..which is not federal nor a bank nor does the Fed have reserves.

I do not trust the US Treadury to spend tax dollars wisely….. most of our tax dollars go for war or welfare programs…. Which is why the US is now the biggest debtor nation in history….and will soon be forced to print trillions in US Treasuries….which Buffet and Wall Street LOVE because it makes them richer but the average person poorer, due to inflation and taxation.

I invest because I am not stupid…. although I was a failure in High
School… because according to my English teachers….i could not write… although today I am known as an international best selling author for over 25-years.

You do not need an MBA from a Marxist institution of higher learning to know:

1: The Goverment cannot keep printing money to pay its bills….
just as you or I cannot use our credit card to pay for what we cannot afford.

2: There will be only 21 million Bitcoins,

Fake Government money is unlimited….infinite.

That means Bitcoin increases in value as the US dollar goes down in purchasing power.

That is why 25-years ago, in Rich Dad Poor Dad, I was attacked for saying “Savers are Losers.”

You do not need to be a graduate of Harvard or Yale to know that saving fake “infinitly printed” money is stupid.

Take care.

Writes Robert Kiyosaki author of RichDad Poor Dad

12/11/2025

FINANCIAL WISDOM ON LOAN "TOP UPS"
Many people don’t realize that when you take a loan, your monthly repayments cover two things , interest and principal (capital). What most banks and lending institutions won’t tell you is that in the early years, the bulk of your repayment goes toward interest, not reducing the actual loan amount.

That’s where the “top-up” trap comes in. After a year or two of paying, the institution approaches you with an offer to “top up” your loan, creating the illusion that you’ve made significant progress. In reality, very little has gone toward the principal.

For example, if you borrowed KSh 1.5 million to be repaid with interest totaling KSh 2.5 million over six years, you’d pay around KSh 34,720 monthly. After two years (24 months), only a small fraction , perhaps KSh 2,000 a month , reduces the principal. That means your outstanding balance remains close to the original amount.

Then comes the so-called top-up. They’ll tell you you’re getting KSh 400,000 “extra,” but the new loan now combines your old balance plus the top-up , ballooning into a much bigger debt, perhaps KSh 3.2 million with interest. Monthly payments increase slightly, and to make it look lighter, they extend your repayment period. You end up paying longer, more interest, and ironically receiving less cash in hand after deductions and “processing fees.”

This cycle repeats. People unknowingly keep topping up, thinking they’re advancing financially, while the debt quietly compounds behind the scenes.

It’s painful to watch families sink into this trap, mistaking financial manipulation for assistance. The truth is: top-ups rarely bring relief , they extend bo***ge.

Be financially awake. Before agreeing to any “top-up,” ask your lender for a loan amortization schedule and see how much of your payment actually goes to principal. Sometimes, the best top-up is not taking one at all.

12/11/2025

A British mining firm, Shanta Gold, has uncovered a major gold deposit worth an estimated Sh680 billion in Isulu and Bushiangala, Ikolomani (Kakamega County).

The firm plans to invest Sh27 billion in mining infrastructure and expects to produce over 1.28 million ounces of gold at $1,471 per ounce.

The firm will also need to acquire about 300 acres, affecting roughly 800 households, raising questions on land compensation, environmental protection, and community benefit sharing.

12/11/2025

Public Service Superannuation Fund, the retirement benefits scheme for public servants, grew its investment portfolio by 77% to Sh234bn as of June 30, 2025.

The fund's equity portfolio booked huge unrealized gains of Sh4.3bn mainly from Safaricom and KCB shares.

The fund manager of the scheme, GenAfrica Asset Managers, earned Sh431.6m in fund management fees.

investa.co.ke

02/12/2025

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