"Surviving is winning, Franklin, everything else is bullshit. Fairy tales spun by people too afraid to look life in the eye. Whatever it takes, kid: survive." Michael De Santa, GTA 5

Unga Group board update: ➡️ Peter Gitau appointed Independent Non-Executive Director (ex-Standard Chartered, +30yrs banking/IT/digital transformation). ⬅️ Shilpa Haria retires after 9yrs as Non-Exec Director & Chair of Audit & Risk Committee. Changes effective 7 Jan 2026.

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The long-term cost to Kenya's healthcare reputation & its appeal to global talent may far outweigh the short-term political benefit.

It risks damaging a high-value services export sector (medical tourism) to solve a public sector human resources & budgeting problem. The move highlights a governing tendency to apply restrictive, control-based solutions to challenges that require enabling, investment-based.

This policy is a politically expedient response to a complex structural failure. It trades a tangible, immediate degradation in healthcare quality & investor perception for an uncertain gain in domestic employment that the system is not prepared to absorb efficiently.

The government's next move; whether it seeks a reasonable compromise or doubles down. This will send a definitive signal about whether it truly prioritizes economic competitiveness or remains trapped in a short-term revenue panic.

The halted KEBS levy is a symptom of a deeper malaise: A fiscal strategy that views the private sector as a revenue pool to be tapped rather than the engine of growth to be nurtured. The court has acted as an essential circuit breaker.

@moneyacademyKE Safaricom Ethiopia’s 44% price hike is a survival lever: rational on paper but perilous in the market. It swaps the KPI from network coverage to pricing power & loyalty, metrics far harder to win in Ethiopia. Next quarters test if its brand & quality can defend this premium.

@moneyacademyKE The CA data confirms the obsolescence of the bundled pay-TV satellite model in Africa. MultiChoice is no longer a growth story; it is a managed decline & pivot story. Investors should value it on the sum-of-its-parts: the declining but cash-generative satellite business.

@moneyacademyKE The Sh250 billion price tag is less a budget and more of a statement of intent and a test of Kenya's PPP market maturity. In the current fiscal climate, an announcement without an immediate, credible PPP tender structure is merely political signaling.

@moneyacademyKE The 1% remittance tax is a fiscally desperate & economically counterproductive measure. It will distort financial flows, encourage informality, & marginally increase the cost of doing business for all Kenyans engaged with the global economy.

"Without data, you're just another person with an opinion." — W. Edwards Deming

— It positions Nairobi as East Africa's emerging fixed-income hub. — However, compressed traded yields pose a sustainability question for 2026.

What I'm seeing: — The NSE's 75.5% surge in bond turnover reflects strong structural liquidity. — Institutional demand focuses on high-coupon, long-duration & inflation-linked IFBs. — This signals a strategic search for real yield & macro hedging.

Strategy $MSTR may be forced to SELL Bitcoin at prices below cost basis! "A significant decline in market value of our Bitcoin holdings or a negative shift may create liquidity and credit risks." ~ Recent SEC 8-K

What is in Warren Buffett's personal portfolio, outside of his holdings of Berkshire Hathaway?

@moneyacademyKE The 12-18% loan rate spread reveals Kenya's two economies. Int'l banks fund the prime sector cheaply. The 15%+ tier, financing the real domestic economy, is crippled by gov't crowding-out & high risk. Growth is impossible until sovereign borrowing retreats & these rates fall.

Only a few will understand😂😂

𝐖𝐡𝐚𝐭 𝐢𝐬 𝐂𝐎𝐑𝐄 𝐂𝐀𝐏𝐈𝐓𝐀𝐋? Core capital is the strongest, most reliable money a bank has as its financial foundation. Think of a safety net that protects the bank and your deposits when losses occur. The money comes from shareholders’ funds and profits the bank

CBK data shows the overall average commercial bank lending rate eased to 14.88% in November 2025, extending a steady decline from 15.29% in June: —Deposit rates also softened to 7.28% in November, down from 8.37% in June —Large banks such as KCB, Equity, Co-operative & NCBA