Here is a detailed analysis of Kenya’s Sh4.3 trillion budget for 2025/26 — who gained more, who lost funding, and what it means for key sectors.

Thread below: Let’s start with the key allocations:

• Executive — Sh2.5 trillion
• Parliament — Sh48 billion
• Judiciary — Sh27.8 billion
• Counties — Sh405 billion
• Debt servicing — Sh1.1 trillion

President William Ruto's government plans to spend a total of Sh147.5 billion of taxpayers’ money on 17 digital systems, including SHIF, Maisha Namba, and e-Citizen upgrades

Many were once dismissed as wasteful but are now back at nearly triple the previous cost

list below: -SHIF — Sh104 billion
-Export & Import Certification System — Sh19.8 billion
-Maisha Namba (NEMIS to KEMIS transition) — Sh12 billion
-E-procurement — Sh5.1 billion
-Integrated County Revenue System — Sh3.8 billion
-Pension Management Upgrade — Sh1.9 billion

Auditor General reveals NSSF lost over Sh16 billion in the year ended June 2024.

The loss came from ghost taxes, bad investments, idle assets, costly travel, and pricey renovations

Sh904 million in taxes was wrongly paid to KRA. No refund, no interest earned

Read Thread below: Sh115 million used to buy land in Upper Hill — title revoked as it was public land.

Sh27 million lost after two investment companies dropped 17.6% in value.

Sh38 million stuck in a loss-making bank’s shares.

President Ruto’s affordable housing has turned out to be many stalled projects, forced evictions, and has left many people struggling.

This thread covers the stalled projects in different counties. In Nairobi and the North Rift, the Lang’ata 17-storey project was frozen by court over environmental concerns.

The price of consumer goods is set to rise by up to 16% after NEMA implements a new producer rule starting May 5, 2025.

The rule introduces a Sh150 levy per packaging item, affecting products such as diapers, sanitary pads, food wrappers, and medicine boxes

Thread below; Now starting May 5th, 2025, NEMA will enforce new rules that will add a Sh150 fee on product packaging, causing prices of consumer goods to rise by up to 16%.

The new rule under the Sustainable Waste Management Act will impact a wide range of products.

Kenya’s Finance Bill 2025 Explained

Save the thread below: Kenya's Treasury has proposed a new law in the Finance Bill 2025 that would let KRA access private customer data like bank and M-Pesa details by removing current legal protections.

If passed, KRA won't need a court order to get this info from businesses.

Kenya’s Cabinet has approved the Finance Bill 2025 and confirmed that no new major taxes will be introduced.

Here are some of the key points the Finance Bill 2025 includes: — Employers must apply PAYE tax reliefs automatically
— Closing tax loopholes to improve efficiency
— Retirees won’t pay tax on gratuity payments
— Small businesses can fully deduct the cost of tools and equipment in the same year
— Changes to tax laws to make refunds faster and reduce tax disputes
— The fiscal deficit will be reduced to 4.5% of GDP in FY2025/26

Here is a summary of the BBC documentary regarding the fatal shooting of anti-tax protesters in Kenya on June 25, 2024

Save the thread below; The BBC documentary delves into the tragic and violent events that unfolded on June 25, 2024, when anti-tax protesters gathered outside Kenya's Parliament to demand the scrapping of the controversial Finance Bill 2024

How CBEX Became the Biggest Scam of 2025

Thread below; Now,CBEX presented itself as a futuristic crypto and forex trading platform, powered by AI and offering up to 30% returns in 30 days

It gained traction in Kenya, Nigeria, and Egypt, attracting thousands with promises of easy profits, smooth withdrawals, and referral bonuses

During his interview yesterday, DP Rigathi Gachagua Unveils Some of the Shocking Allegations Against President Ruto

Here is a Summarized Thread He alleged that fertilizer donated by Russia was repackaged by Maisha Millers and Devki and sold back to the government at market prices

2024 Results for Asset Managers, Investment Banks, Stock Brokers & Microfinance Banks in Kenya

Since you are probably using one of these for your investing, you can check their performances.

Save the thread below: 1.Standard investment Bank (Known for Mansa-X)
—Total Assets: 11.5% up to Sh1.3 billion
—Total income: 33% up to Sh680 million
—Total Profit after Tax: 27% up to Sh97.5 million

Why Maids Keep Dying in Saudi Arabia,

A Thread Worth Reading In this thread, we will cover the experiences of Kenyan and Ugandan domestic workers, the causes of their suffering, and the systemic failures that put their lives at risk

President William Ruto has made changes to Principal Secretaries and foreign missions

Full list in the thread below: list of principal secretaries
—Jane Kare Imbunya – PS for Public Service & Human Capital Development.
—Regina Akoth Ombam – PS for Trade
—Cyrell Wagunda Odede – PS for Public Investments & Assets Management
—Caroline Wanjiru Karugu – PS for EAC Affairs
—Oluga Fredrick Ouma – PS for Medical Services
—Ahmed Abdisalan Ibrahim – PS for National Government Co-ordination
—Judith Naiyai Pareno – PS for Justice, Human Rights & Constitutional Affairs

Investing in Money Market Funds (MMFs)

A step-by-step guide Kenyan money market funds (MMFs) generally invest your money in relatively long-term bonds or T-bills and pay you 13-16% per annum.

As a benefit, you can deposit and withdraw at any time, unlike bonds and T-bills.

In this thread, we will use the Britam app, which allows you to invest in its MMF.

We've done a deeper analysis on NSSF contributions and beyond for those who haven't fully understood the changes that took effect on Feb 1, 2025, and continuing into 2026.

This includes how payslips will look after deductions

Read & Save the thread below; lets start with 2023 NSSF Contributions
Tier 1: This applied to salaries up to Sh6,000. Employees contributed 6% of Sh6,000 = Sh360.

Tier 2: Applied to earnings between Sh6,000 and Sh18,000. Employees contributed 6% of (Sh18,000 - Sh6,000) = Sh720.

Total NSSF Contribution: Sh1,080

Understanding how bank loans work in Kenya.

Save the thread below: Loans can be a powerful financial tool—whether for business expansion, education, emergencies, or asset purchases.

But how do they work? Let’s break down loan types, interest rates, approval factors, and how to apply them.

A court case has revealed that a rogue Equity Bank employee illegally transferred Sh386.5 million to eight companies in just one month.

Thread below: The employee, who has since been dismissed, made the transfers between May 17 and June 14, 2024.

Equity Bank discovered the fraud and reported it to the Banking Fraud Investigation Unit under the DCI.

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Last week, we highlighted what Britam Bond Plus is all about.

Now, here’s a thread with step-by-step guidelines on how to invest, with screenshots Step 1: To start the journey, you can use this website:

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Or you can use the Britam App, Customer Portal, or USSD *778# to access the Britam Bond Plus Fund.ke.britam.com/buy/bond-plus-…

How to Check if Your SACCO in Kenya is Financially Stable

We have analyzed some financial ratios using data from the top SACCOs based on the 2023 and some 2024 reports, comparing them with key standards

Save the thread below: Let's start with some of the requirements to assess your SACCO's financial stability by comparing its financial ratios with the following prescribed standards:

—Core Capital to Total Assets (CCA): Minimum 10%
—Core Capital to Total Deposits (CCD): Minimum 8%
—Institutional Capital to Total Assets (ICA): Minimum 8%
—External Borrowing to Total Assets: Maximum 25%
In explanation in details:

Here is a list of some of the Saccos affected by the KUSCCO scandal, along with the amounts involved.

Thread below Kimisitu Sacco Society recorded a Sh353.9 million loss in 2024 due to KUSCCO exposure.