Why Kenya can’t afford to play down El Niño

There is an 81 percent chance that the El Niño expected to peak between October and December and possibly persist into early 2027 could become one of the most powerful events since 1950. This is according to a projection by the US Climate Prediction Center (CPC).

That forecast should serve as a wake-up call for the government and all institutions responsible for disaster preparedness and response. The question is no longer whether Kenya should prepare, but whether it is ready.

If preparedness is the country’s first line of defense, the budget does little to reflect that priority. The 2026/27 National Budget contains no dedicated allocation for El Niño preparedness, meaning any response will depend on existing disaster management and contingency financing.

This is despite a recent report from The International Rescue Committee (IRC) placing Kenya, Uganda, Somalia and some regions of Asia among the most at risk.

This challenge is compounded by shrinking donor funding. As reported by the Daily Nation on July 30th, Kenya Red Cross Secretary General, Ahmed Idris says funding from the United States has fallen to about 40 percent. At a time when Kenya is already experiencing a prolonged dry spell, reduced humanitarian financing could weaken the country’s ability to respond to the impacts of El Niño.

The question that keeps coming up though is, why is it that as a country we are always caught flat footed and left to take a reactive approach rather than a proactive one. Where do we miss the mark and what gaps should be addressed?

The World Resources Institute (WRI) warns that decades of poor urban planning, ageing drainage systems and environmental degradation have left Nairobi vulnerable to flood disasters.

While Kenya’s Cabinet Committee on El Niño Preparedness and Response is mandated to implement a national contingency plan, evacuation and shelter, the emphasis remains largely on managing consequences of extreme weather rather than addressing the structural vulnerabilities that make disasters so devastating in the first place.

These are not problems that can be solved through emergency response alone. They require sustained investment in resilient infrastructure, stronger enforcement of land-use regulations, protection of wetlands, and closer coordination between National and County Governments. Without addressing these structural weaknesses Kenya remains exposed to the same vulnerabilities.

We really do not have to look far for lessons. Rwanda has demonstrated how long-term investment in climate resilience can significantly reduce flood risk. Like Nairobi today, Kigali once experienced frequent flooding whenever heavy rains pounded.

Rapid urbanisation had encroached on Kigali’s wetlands, reducing their natural ability to absorb floodwater. With over 500 hectares of urban wetlands rehabilitated, Kigali now stands as the largest wide urban wetland rehabilitation in Africa and in the world.

The rehabilitated wetlands do not just bolster the city’s defense against floods but also offers spaces for tourism, education and recreation, while improving water quality and biodiversity.

According to the World Bank, Rwanda’s Wetland Ecosystem Parks will draw over 1.5 million annual visits by 2036, create 7,500 jobs, nearly half of them for women and result in $45-90 million in avoided flood damages, linking recreation, research, and nature-based tourism to community benefits.

Kenya’s context is different, but the principle is the same. Taking a more proactive approach before disasters strike is significantly less costly than rebuilding after floods. Climate adaptation should therefore be viewed not as environmental expenditure but as an economic investment that protects infrastructure, livelihoods, and public finances while also offering the opportunity to create new streams of employment.

Kenya’s National Treasury has already quantified the cost of inaction. Data from the newly launched Disaster Risk Financing Strategy 2026-2030 shows that the 2023 and 2024 floods resulted in an estimated Sh187.82 billion in damages and losses, underscoring how climate shocks have become a fiscal and economic challenge, and not just a humanitarian one.

With more than 30 percent of Kenya’s GDP and over 40 percent of employment tied to climate-sensitive sectors, investing in preparedness is no longer optional. As the Treasury itself recommends, disaster risk must be integrated into public budgeting and financing.

The founder’s creed 2060: Survival strategy

Last Thursday evening, in a prime-time address, the President announced that Kenya will begin crafting Vision 2060. A national conversation opens on August 12, aiming at a development charter to carry us a generation forward.

It was announced with an honesty worth noting: Vision 2030, still has four years to run, and by the President’s own admission, many of its ambitions remain unattained. Sit with that arithmetic. We have started imagining the next horizon before arriving at the last one.

Our founders’ forum did not receive the news gently. One member argued that the only vision we need right now is the restoration of trust in public institutions; that as things stand, we would struggle to trust even a Vision 2027.

Another, who has studied every national blueprint since the sessional papers, traced how the 2030 momentum thinned after its early champions left, how flagship projects paused for years and restarted with new budgets, how each incoming regime prefers a fresh page to a handed-over one. His conclusion was one line: we do not need visions, we need ethical execution.

A third voice went deeper. Visions die, he argued, when the growth they produce is not broadly shared, because every election is a contest to capture the state rather than to continue the plan. And a fourth held up the mirror nobody wanted: we are hypocrites about values. We demand ethical leaders in public and support unethical ones in private the moment proximity pays us.

This column is not about the government. It is about the mirror. Because founders run the same play in miniature, and we run it fluently.

Walk into most companies and you will find Vision 2060 launched over an unexecuted Vision 2030: a new strategy deck every planning cycle, values framed in reception, mission in the annual report, purpose in the culture handbook. Encoded everywhere. Bent daily, in the corridor between the document and the deal.

The problem was never the encoding. Watch a kindergarten child learning the letter C. The small hand traces the curve until the shape lives in the fingers, and from that day a malformed C announces itself instantly.

The child does not debate it. That is not C. This is the literacy our companies lack. The kickback arrives dressed as a facilitation fee. Capture arrives dressed as partnership. And nobody in the building can say, with a child’s certainty, that is not us.

What converts a vision into arrival is what every faith tradition discovered long before management science: a creed. Not a statement drafted, but a belief practised. Building one asks hard things of the founder. Write values as shapes, not slogans. Integrity floating in the abstract cannot be traced by a junior officer under pressure.

Creeds die the day the congregation notices the priest no longer believes. If the founder bends the letter once, to rescue one quarter, the alphabet is renegotiated by Monday. And note what the nation keeps teaching us: visions collapse at regime change because they live in the leader instead of the people. Companies repeat this.

Every new CEO relaunches the culture; every founder exit resets the values. A creed is the only instrument designed to survive the transition. It is what you hand over when you finally leave the room.

Share the harvest. Here the forum’s hardest argument comes home. An anthem is only sung by people who share in what it celebrates. If the gains of growth concentrate at the top of the company, the vision becomes internal politics, and staff will execute a dream they participate in while quietly sabotaging one they merely witness.

Ethical execution is not only a compliance question. It is a distribution question. Then let the creed become the anthem, and test it in both weathers.

Tough moments test whether it survives fear: the lost contract, the payment that will not move, the offer that would solve everything quietly. Great moments test whether it survives pride: the award season, the scale that whispers the rules were written for the smaller version of you.

Most companies lose their creed not in the storm but in the sunshine. And let us answer the hypocrisy charge honestly, because it lands on founders too. We say we want ethical businesses.

Then we price the kickback into the tender, help the invoice along, and frame the values in reception on the way to the signing. The uncomfortable question of this season is not whether the nation can draft a trustworthy 2060. It is whether my company could survive an audit of the distance between its documents and its deals.

The national conversation opens on August 12, and I genuinely wish it well; a country shouldimagine its future. But founders do not need to wait for a charter to begin ethical execution. In 2060, most of us will be grey or gone.

What arrives at that horizon will not be the vision document. It will be whatever creed outlived us, carried by people who learnt the shape of our letters well enough to say, without fear and without us, that is not who we are. A vision names the destination. The creed decides whether anyone arrives.

Understanding money market funds growth

Every conversation about personal finance today seems centred on one question: How do I grow my money?

With the rising cost of living, changing economic conditions, and increasing financial responsibilities, more Kenyans are looking beyond simply earning an income. They are asking how they can preserve their purchasing power, grow their savings, and build long-term financial security.

This shift in mindset is encouraging. It signals that more people are beginning to see investing not as a privilege for the wealthy, but as an essential part of financial overall wellbeing.

I was recently speaking to a young professional who had spent several years diligently saving money in a regular bank account. She was disciplined, setting aside a portion of her salary every month, but she admitted that she had never really thought about whether her savings were actually growing.

Like many people, she assumed investing required large amounts of capital, extensive financial knowledge, or constant market monitoring. When she eventually learned and understood money market funds, what surprised her most was not just the competitive returns, but how accessible they were. That conversation reflects a broader trend we are seeing across Kenya.

More individuals are discovering that investing no longer has to be complicated. It can be simple, flexible, digital with a touch on your phone, and aligned to everyday financial goals.

Money market funds have emerged as an investment option attracting growing interest because they address many of the concerns that first-time investors often have. They offer an accessible entry point, allowing people to begin investing relatively modest amounts while providing professional management of their funds.

Equally important is liquidity. Life is unpredictable, and financial plans often need to adapt. Unlike investments that may require long lock-in periods, money market funds generally allow investors to access their money when needed, giving them the flexibility to respond to opportunities or unexpected expenses while their savings continue to earn competitive returns.

For many Kenyans, this combination of accessibility, flexibility, and income generation makes money market funds an attractive option for managing short- to medium-term financial goals.

Their growing popularity also reflects a deeper transformation in how people think about money. For many years, financial success was often associated with accumulating assets or maintaining large balances in savings accounts. Today, the conversation is evolving. More people understand that wealth is built not only through earning, but also through consistently investing and allowing money to grow over time.

This change is being driven by greater financial awareness, increased access to digital investment platforms, and a growing appreciation of the importance of disciplined saving. Digital technology has enabled investors to open accounts, monitor their portfolios, and invest from virtually anywhere, removing many of the barriers that once discouraged participation.

Perhaps the greatest misconception that still exists is that investing is reserved for seasoned professionals or high-net-worth individuals. The reality is quite different.

Successful investing is rarely about timing the market or chasing the highest returns. It is about consistency, patience, and making informed financial decisions that align with one’s goals.

Whether someone is saving for education, purchasing a home, building an emergency fund, planning for retirement, or simply seeking to preserve the value of their money, starting early and investing consistently can make a meaningful difference over time.

Of course, every investment carries some level of risk, and investors should always seek to understand how different products work before making decisions. Financial education therefore remains just as important as financial access.

As an industry, we have a responsibility to ensure that more Kenyans are equipped with the knowledge they need to make confident investment decisions.

Looking ahead, I believe Kenya is entering a new era of investing.

As financial literacy continues to improve and digital platforms make investment products more accessible, we are likely to see even greater participation from young professionals, entrepreneurs, small business owners, and families who want to build wealth in a structured and sustainable way.

The opportunity before us is not simply to increase the number of investors. It is to build a culture where investing becomes a normal part of everyday financial planning.

Money Market Funds are gaining popularity not just because they offer competitive returns or easy access to savings. They are growing because they provide many Kenyans with something equally valuable: confidence that their money can work for them while remaining available when they need it most.

Ultimately, wealth is rarely created through a single financial decision. It is built through consistent habits, informed choices, and a long-term perspective.

The sooner we begin that journey, the greater the opportunities we create; not only for ourselves, but for future generations.

Kenyan turns pig farm into four profitable UK businesses

Flavian Obiero, 35, has turned a childhood fascination with livestock into a thriving integrated agribusiness in Fareham, a small town in Hampshire, southern England.

He has built a 61-acre pig farm, a butchery, a catering business and a thriving wholesale meat operation.

Obiero grew up in Kilifi, where he helped neighbours herd cattle. A deeper influence on the animal world came during visits to relatives in Kikuyu, where his uncle and aunt reared pigs, and another family member who had mastered the art of running a profitable pig enterprise.

His family relocated to the UK when he was just 15, in 2006. The transition, he says, was easy because he was still very young.

‘I did not struggle with the change as I think I would, had I relocated at a much older age. I think children find it easier to cope with change because, unlike adults, they don’t have too much to hold on to back at home.’

His entry into agriculture in England came through an opportunity while he was still in school.

‘I secured an opportunity to spend one week working on a mixed farm with a pig enterprise. Even before the placement ended, the farm owner offered me a permanent job. Since then, I’ve always worked in farming.’

He enrolled for a Bachelor of Science in Animal Management at Sparsholt College and graduated in 2014.

‘Even before I graduated, I got an offer as an Assistant Pig Unit Manager at another agricultural college.’

Between 2014 and 2017, he immersed himself in commercial pig production while teaching agriculture students on the side.

‘Being only a few years older than my students made teaching a bit more natural because the knowledge was still fresh in my mind.’

Besides handling livestock, he learnt breeding systems, budgeting, staff supervision and the operational discipline required to run large-scale pig enterprises.

He resigned in 2017 when he felt he had reached a plateau.

‘I joined a livestock feed company to the surprise of many people. To me, this was another opportunity to understand the economics of commercial farming from a different perspective. Feed accounts for one of the highest costs in pig production, and working for a feed manufacturer gave me insight into livestock nutrition, formulation and commercial sales.’

However, he did not settle into his new role as he had expected. ‘I missed the job satisfaction of working on a farm.’ In 2018, an opportunity arose to return to his previous employer. He readily accepted it.

‘I initially went back as Assistant Manager after missing out on the top position. Ironically, I found myself training the very person who had been hired above me.’

He planned to spend the next five years further developing his career before considering self-employment. He assumed the full managerial role months later when the position fell vacant.

Terrifying plunge

Barely two years in, a friend alerted him about a farmland that was available for lease. Out of curiosity, he submitted an application.

‘The process involved preparing a detailed business plan, financial projections and interviews. Several months later, my wife and I were offered the tenancy on a 61-acre farm in Fareham.’

To get started, the two secured a £25,000 (Sh4.4 million) bank loan. The money paid for a Toyota Hilux pickup, a livestock trailer, fencing materials, the first pigs and other equipment needed to launch the business.

Much of the fencing was installed by Obiero himself using improvised methods because specialist equipment was beyond his budget.

“When you’re working for someone else, the infrastructure is already there. Here we had the land and nothing else.’

From zero to 74

Before the business could find its footing, his business plan would change dramatically. His original proposal had been to purchase six breeding females and slowly build a commercial herd. Instead, another farmer unexpectedly needed to dispose of 74 pigs at an attractive price. Obiero abandoned his original projections overnight.

“We went from zero to 74 pigs overnight.’

The decision to acquire the pigs accelerated the business much faster than he had anticipated, but it also exposed a harsh commercial reality. Owning pigs alone was not enough to guarantee a sustainable business. Like many livestock farmers, he quickly discovered that production generated relatively thin margins while operating costs remained stubbornly high. ‘I asked myself where else we could earn money from the same animal.’

Around the same time, a catering business specialising in whole-roast pigs came onto the market after its owner decided to leave the country. He acquired the business together with its equipment, customer database and goodwill. Admittedly, a very transformational purchase.

“If it wasn’t for having the catering business, we would have gone bust within the first year.’

His initial plan relied solely on livestock sales. The catering business, however, could now earn him higher margins by serving festivals, weddings, corporate events and private functions. More importantly, the catering business became a ready market for his own pigs.

Second leap of faith

He took another leap of faith about a year later when he took another loan to acquire a butchery, giving him much more control over processing and retail.

This move completed the value chain, allowing him to rear pigs, process the meat, sell directly to customers and supply restaurants without depending entirely on intermediaries.

The farm has 140 pigs of different ages, including 12 breeding sows and three breeding boars. It also keeps goats, sheep and chickens that either generate additional income or support the wider farming system.

His farm processes between three and five pigs every week.

‘Currently, we supply two restaurants as well as directly sell to consumers through the butchery, farmers’ markets and online orders.’ The product range has expanded beyond fresh pork to include bacon and sausages, with artisanal salami expected to join the range soon.

The top revenue driver

Interestingly, it is the catering arm that has become the business’s biggest revenue generator. “The catering business is probably the most successful enterprise we’ve got.’ He notes that he is already booked months in advance for private and corporate events.

The business remains in its investment phase, according to him, despite the impressive growth. He employs one part-time worker on the farm and receives occasional help during larger catering events, but almost every pound earned goes straight back into expansion. “I don’t even pay myself a wage at the moment, but we are almost there.”

Most valuable lesson

For aspiring entrepreneurs, particularly in agriculture, Obiero says, that may be the most valuable lesson of all. ‘Building a successful enterprise is not always about finding a new product. Sometimes, it is about discovering more ways to create value from the one you already have.’

What does the future look like for his business?

‘I want customers to travel to the farm not just to buy pork but to experience it. Our vision includes an eatery serving premium pork dishes, an on-site farm shop selling value-added products and, eventually, replicating the integrated business model in Kenya. I’d love to replicate this in Kenya.’

How does a young man run a profitable business and build a family at the same time miles away from home?

‘The secret is to be open to learning. My approach is not to look at things as the only authority in my field. I subject myself to learning even as I teach others. Every opportunity presents a learning chance, and I take that seriously. In terms of parenting, we are raising our son to appreciate both cultures – something my wife is very particular about. He learns sign language in school and is getting very good at it; my mother sings to him in Kikuyu while I try to speak to him in Dholuo and Swahili. A young mind such as his can learn quite a lot as I have discovered.’

Court halts State plan to replace direct Sacco member votes

The High Court in Nyahururu has suspended enforcement of a government directive requiring large savings and credit cooperatives (Saccos) to replace their general membership voting model with a delegate system.

The court issued the order following an application by Tower Sacco, which sued, arguing the directive unlawfully interferes with its governance, by-laws and members’ right to participate directly in the society’s affairs.

The contested directive issued by the Commissioner for Cooperative Development targets Saccos with more than 5,000 members.

The court also barred the Commissioner from compelling the Sacco to adopt the delegate system until the case is heard.

In its ruling, the court issued the interim orders after finding that Tower Sacco had presented an arguable case challenging the commissioner’s 2025 circular and a compliance reminder issued on April 13, 2026.

The contested directive required the Saccos to replace annual meetings attended and voted in by all members with a delegate system where elected representatives make decisions on behalf of the wider membership.

Part of the Sacco’s argument is that the circular violates constitutional protections, including members’ right to participate directly in managing their cooperative and the society’s autonomy under its registered by-laws.

The application was not opposed by the Commissioner for Cooperative Development or the Cabinet Secretary for Cooperatives and Micro, Small and Medium Enterprises Development.

According to documents issued by several Saccos after the circular, the directive requires cooperative societies with more than 5,000 members to adopt a delegate system, elect between 150 and 500 delegates and amend their by-laws to implement the changes.

Under the general membership model, every Sacco member can attend and vote at the annual general meeting.

Tower Sacco instead placed the proposal before members during a special general meeting on September 27, 2025, and its annual general meeting on January 24, 2026.

The Sacco told the court its members rejected the proposal at both meetings and unanimously resolved to retain the existing general membership governance model.

The case is scheduled for a mention on September 16, for furher directives.

It said the Commissioner later threatened administrative action, including suspension of its registered by-laws after expiry of the compliance period on June 18, 2026.

The court said the Sacco had shown the government intended to compel it to abandon a governance model that had existed for years.

“It would be imperative for parties to be heard so as to determine what is suitable for the membership stated to comprise more than 5,000 in number,” said the judge.

It found the petition was arguable and said the society could suffer irreparable harm if interim protection was denied before the constitutional issues were determined.

The ruling also noted that implementation of the circular could fundamentally change the society’s governance before the court examined its legality.

“This calls for preservation of status quo; therefore, there is need to uphold the constitutional rights of the public involved pending determination of the petition,” the court said.

The court consequently restrained the respondents from compelling the Sacco to abandon the general membership governance model or suspending, revoking, invalidating or otherwise interfering with its registered by-laws pending determination of the petition.

In the main petition, Tower Sacco wants the court to declare the government’s circular unconstitutional, quash it together with the Commissioner’s enforcement letter, and permanently bar authorities from enforcing either against the society.

It also asks the court to affirm its members’ right to govern the Sacco through general meetings and prevent the government from forcing changes to its by-laws or governance structure without members’ approval.

Why structured trade finance is vital for Kenya’s small businesses

The private sector is facing an unprecedented liquidity crisis as mounting and systemic payment delays from ministries, state corporations and county governments choke business cash flows.

This persistent backlog of public sector pending bills is actively crippling operations, depressing private sector growth and triggering widespread job losses.

According to data from the Controller of Budget, outstanding public pending bills climbed to a record Sh465.87 billion as of March 2026, representing a 10.5 percent escalation from the Sh421.6 billion reported in March 2025.

Local suppliers and contractors routinely face payment delays of 30 to 90 days or longer, creating a persistent backlog that starves them of vital operating liquidity and forces them to secure expensive short-term debt just to maintain daily operations.

While the National Treasury recently approved a Sh255 billion disbursement to chip away at these arrears, it estimates a minimum of two fiscal years to fully clear the historical backlog. This means that SMEs still require faster, more transparent settlements to scale.

Kenya’s 7.4 million MSMEs form the backbone of the economy, accounting for nearly 40 percent of the nation’s gross domestic product.

Yet, despite their macroeconomic importance, these businesses are routinely locked out of conventional tier-one banking credit lines.

Traditional lending frameworks rely heavily on standard balance-sheet lending, which requires fixed collateral that most small enterprises lack. This structural rigidity creates a paradox where the economic engines of the country cannot access standard bank loans precisely when government payment delays threaten their survival.

To bridge this expanding cash deficit, financial institutions must pivot away from rigid balance-sheet assessments and adopt risk-sharing models. Partnering with reputable underwriters for instance, can enable lenders to effectively mitigate institutional exposure and transition away from standard, restrictive asset-backed lending.

Instead of relying on hard collateral, financial institutions can structure credit facilities around the operational trade cycle of SMEs, engineering customised financial instruments that precisely match the requirements of specific transaction phases.

This transition facilitates the deployment of agile financing mechanisms, such as local purchase order and invoice financing, which directly address the systemic cash-flow constraints of smaller enterprises.

Under these frameworks, businesses holding a verified supply contract or a portfolio of unpaid invoices can bypass standard wait times to secure immediate, upfront cash advances from lenders. This framework bypasses the traditional constraints of long corporate payment cycles, unlocking dormant liquidity and ensuring continuous operational cash flow throughout the fulfillment cycle.

Furthermore, lenders can supply fast-tracked bid bonds, performance bonds, and advance payment guarantees against partial security.

This specialized support ensures that SMEs can bid on multiple tenders simultaneously without locking up their vital operating capital.

Kenya to get two new undersea fibre optic cables in AI race

Kenya is set to add two new undersea fibre optic cables before 2027 in Africa’s race for more bandwidth and high-speed internet amid the AI push.

The first is a 4,108-kilometre subsea fibre-optic cable running from Oman to Mombasa under a partnership between US tech giant Facebook and Safaricom, according to TeleGeography, a telecom research and analysis consultancy.

The consultancy also expects Africa-1, a 10,000 km long international submarine cable from France to the Middle East, through Africa, to land in Kenya next year.

Undersea cables, also known as submarine communications cables, are laid on the ocean floor and used to transmit data between continents.

These cables are the backbone of the global internet, carrying the bulk of international communications, including email, webpages and video calls.

One regularly cited statistic suggests more than 95 percent of the world’s internet traffic is transferred through undersea cables.

Kenya currently has seven subsea cable landings, placing it fifth in Africa after Egypt (15), Djibouti (12), South Africa (9) and Nigeria (8).

The new cables will expand Kenya’s capacity as the country races to close the gap with the continent’s top connectivity hubs.

Although satellite internet services such as Starlink have become more accessible, they remain significantly more expensive for moving large volumes of data.

Tech firms that serve as major providers of web services have invested huge sums in cable infrastructure.

Google said its new cable project would provide ‘industry-leading connectivity’ to five major continents and help support its AI projects.

Kenya’s international internet bandwidth capacity has increased by 16.4 percent to 28.1 terabits per second, with 4G subscriptions surpassing 36 million by March 2026.

The new cables are expected to meet the rising demand for digital services from households and businesses.

Kenya’s push to attract new submarine cables is now a strategic effort to secure the infrastructure needed for the next wave of data centres, digital trade and innovation in East Africa, as investment in AI and cloud computing accelerates.

She ate termites as a child, now she’s built a Sh15m insect protein business

At an age when most children would run away from insects, Olivia Naliaka did the opposite. Whenever the rains fell, neighbours in her village would collect termites, a seasonal delicacy in many Western Kenya communities.

Curious but frightened, the young girl accepted a handful from her father. The taste was unforgettable.

‘My parents tell me that after tasting them, I spent the rest of the evening running around trying to catch my own termites,’ says the 30-year-old entrepreneur.

What seemed like an innocent childhood adventure has grown into a multimillion-shilling agribusiness.

Today, Naliaka is the founder and CEO of Protein Hive, a Kiambu-based company producing edible insects for human consumption and animal feed while working with more than 200 contract farmers across Kenya.

Startup capital and growth

From a business that started with Sh300,000 borrowed from family, friends and personal savings, the enterprise has attracted about Sh15 million in investments over the years through reinvested earnings, training income and sales.

Protein Hive is now targeting production of two tonnes of insects every week to satisfy growing demand from local and export markets.

The company began inside a 10-metre by 8-metre structure that served as a pilot production unit. A greenhouse followed in 2022 before the business established climate-controlled container facilities in 2023 through collaboration with development partners, entrepreneurs and researchers.

Without ready investors, Naliaka built Protein Hive by bootstrapping.

‘We didn’t have access to funding opportunities, so we kept reinvesting everything we earned from training, consultancy and sales.’

Today, the company specialises in five insect species: crickets, termites, grasshoppers, mealworms and Black Soldier Fly (BSF) larvae.

The insects serve different markets, Naliaka says. BSF larvae are processed into protein ingredients for fish feed and other livestock feeds, while crickets, termites, mealworms and grasshoppers are transformed into foods for human consumption.

Value addition

Instead of selling insects in their whole form, Protein Hive focuses on value addition. Its products include protein-enriched granola, cookies, biscuits, spices, chapatis, bread, porridge flour and pancake mixes.

‘Most families already consume these foods. Instead of asking consumers to completely change their diets, we enrich the foods with insect protein,” Naliaka says.

The approach also addresses childhood protein deficiency by fortifying staples such as porridge flour with affordable protein.

Prices vary depending on protein concentration. Products containing 15 percent insect protein retail at Sh350 per 100 grammes, while those containing 20 percent, 25 percent and 30 percent protein sell at Sh400, Sh450 and Sh500 respectively.

‘Production has expanded considerably since the early days when the business produced just 10 kilogrammes of crickets every week for research.

‘Today, Protein Hive processes up to 500 kilos per insect species weekly and plans are underway to quadruple that volume to two tonnes,’ Naliaka tells the BDLife during the interview in one of her facilities at Kikuyu, Kiambu County.

About 80 to 90 percent of the current production consists of Black Soldier Fly larvae destined for the animal feed industry, while the rest comprises crickets, termites, mealworms and grasshoppers.

The business model

To support production, the company has built an outgrower model involving more than 200 farmers in Kiambu, Nairobi, Bungoma, Turkana and Samburu counties. Protein Hive trains farmers on insect production before buying back their harvests for processing and marketing.

According to Adrian Odira, the company’s chief technical officer, technology has become central to coordinating the growing network.

‘We have digital platforms where farmers update us on their production stages, expected harvests and available quantities. That helps us forecast supply and plan value addition,’ he says.

The company also employs Internet of Things sensors to monitor temperature, humidity and ammonia levels inside insect production facilities. Artificial intelligence, according to Mr Odira helps predict changes in production conditions, enabling early intervention before losses occur.

Apart from producing protein, the insects generate another valuable commodity. Their waste, known as ‘frass’, is processed into organic fertiliser, creating a circular production system where crops fertilised using frass later become feed for the insects.

‘We don’t use pesticides because they would kill our insects. The result is a completely organic production system,’ says Ms Naliaka.

Market research

While edible insects remain unfamiliar to many consumers, attitudes are changing.

The entrepreneur says that the market research her company and development partners conducted between 2021 and 2023, found that 88 percent of local consumers were willing to try insect-based foods once they understood the nutritional benefits.

Another study found that 97 percent of respondents would be willing to give insect-based foods to their children. ‘We are therefore focusing first on urban consumers before expanding deeper into rural markets, especially food-insecure regions where affordable protein can make a significant nutritional difference,’ she says.

Struggling to meet demand

Although Kenya remains an important market, export demand currently outpaces local consumption. The company is working toward certification to export insect products to Brazil and parts of Europe, markets where buyers are already waiting.

‘We are actually struggling to meet demand,’ she says.

For Naliaka, however, success has not only been measured by profits. The company has grown from a one-woman operation into an employer of 10 staff while supporting hundreds of outgrowers across the country.

Biggest lessons

The biggest lesson has been learning to trust the process. ‘Funding was our biggest challenge. Instead of spending years convincing investors, we decided to build a working business first. Results speak louder than presentations.’

She also credits research as another lesson shaping every decision.

‘Research tells you what the market wants before you invest. It helps you understand your product, your customer, and your opportunities. For entrepreneurs entering niche sectors, continuous learning is not optional,’ she says.

The architect who quit employment at 33 to build value-driven firm

Our conversation with architect Mark Mwoka starts with the black building in Westlands that hosts the Park Inn by Radisson.

Mr Mwoka witnessed the progression of the building from sketches to a solid structure. He was an intern at Innovative Planning and Design Consultants Limited and was involved in its conceptualisation.

The brains behind the project were George Arabbu Ndege, the current president of the Architectural Association of Kenya, and another architect Mr Mwoka prefers to call JT.

‘I worked with both of them on that job, and the project taught me a lot about hospitality architecture,’ says Mr Mwoka.

‘I remember designing the taper on the roof with George Arabbu,’ he adds, noting that he also shared his ideas in the design of the façade (the front-facing glassy part).

The project was completed in 2016. Mr Mwoka recalls that even the colour of the structure, black, was a big point to ponder because buildings of such colour were not popular.

‘Getting that black façade was a very ambitious decision,’ he says. ‘But I think the architects executed it very well.’

The Park Inn building, a brief in our possession shows, was built to muffle outside noises through utilisation of synergy acoustic polyvinyl butyral (PVB) glass. The dark exterior parts of the building, it adds, comprise dark aluminium composite panels.

It is one of the buildings Mr Mwoka mentions when asked about his favourite projects.

Our interview with Mr Mwoka touches on many other issues, including his decision to switch from being employed (senior architect) at Boogertman and Partners Architects – a South African company that he describes as the biggest of its kind in Africa – to starting his own architectural firm at the age of 33.

We also discuss other buildings he has been involved in, his passion for green buildings, and what AI portends for the future of architecture.

Mr Mwoka introduces himself as the founder and principal architect of Lava Architecture, a Nairobi-based practice he describes as specialising in ‘value-driven and timeless architecture’.

The conviction he has now is that someone should construct a structure that occupants will be happy using. That way, he notes, a commercial building will bring back revenues seamlessly.

Mr Mwoka, who studied architecture at the University of Nairobi, sought more studies in green buildings after graduation. He became a Green Star accredited professional through the Green Building Council of South Africa, then went on to study for a certificate in property development and investment at the University of Cape Town’s Graduate School of Business.

Before working with Boogertman (2018-2025), he was at Aspera Design Limited (2017-2018) after interning at the firm that designed the Park Inn structure. His decade-long engagement in architecture has shown him how to design buildings in hospitality, retail, commercial and the industrial sectors. He has also learnt a thing or two about master planning.

At Boogertman, he worked under architect Johann de Wet, who helped sharpen his understanding of commercially driven architecture and functional design.

The experience also gave him exposure to large clients and big budgets. He remembers being sent to Nigeria to meet a bank regarding a project.

‘I was a very young person. I was 26. I think that is what builds courage,’ he says.

Without courage, he notes, an architect won’t amount to much.

‘A client will not entrust you with Sh3 billion or Sh4 billion of their investment if you don’t have confidence [and] if they’re not confident in you,’ Mwoka says.

Furthermore, the results of an architect’s work are usually out there for everyone to see. ‘You can never hide it.’

By 2025, after what he calls the ‘seven-year corporate itch’, Mr Mwoka decided to leave employment and start Lava Architecture.

‘Throughout my life, I’d always wanted to build something myself,’ he says. ‘And I guess it resonates with being an architect because as an architect you also are building something, an idea, and then you see it becoming a concrete reality.’

A gap he saw in the field was that architects finish their engagement at the design stage.

‘A lot of architects are just designers. But for me, the passion I had and still have is value-driven architecture,’ he says. ‘When you’re done with the process of designing, do you wonder whether the building is still bringing in revenue as it should? That is a big gap that I noted in our market, because a lot of architects will design and then they will not follow through.’

By now, Mr Mwoka says, Lava has about seven projects in Kenya and is also working in Uganda and Zimbabwe.

‘Fortunately enough, I think I built a very good name when I was at Boogertman. When I left, basically I used that reputational value to get more clients. And we’ve grown,’ he says.

Among the first projects he designed on his own was a two-storey residence in Nairobi that occupies 738 square metres.

‘The main purpose of the project was to create an ultramodern, minimalistic residence, that would encompass functionality and comfort for the owners and be a representative of the modern luxury lifestyle,’ says a brief seen by BDLife.

It adds that the house was constructed using concrete, wood and gabion walling as the main materials.

Mwoka’s education and hands-on experience have given him numerous lessons, one of them being that architecture should never be about the expert imposing their ideas. Rather, he notes, any construction should be a collaboration shaped by clients, engineers, quantity surveyors, consultants, regulations, future tenants and the site itself.

Increasingly, Mr Mwoka says, that collaboration begins before land is even bought. A client may arrive with a brief and a parcel in mind, and an architect’s first task may be to test whether the site can carry the ambition.

‘More and more, we’re finding most of our clients even come to us before purchasing [land],’ he says. ‘If they have a brief in mind, then we can advise from the onset.’

The guiding question to him is always: ‘What does success for this client look like?’

If success is a building that makes a statement, he notes, the architect must interpret that desire. If it is a property that earns income smoothly, the design must respond to occupancy, maintenance, operating costs and tenant satisfaction. If it is both, Mr Mwoka says, the work becomes the art of balancing ambition and discipline.

‘The form of a building should never be arbitrary,’ Mr Mwoka says. ‘It should be a natural outcome of its purpose, its place and its final occupants.’

He is wary of form for form’s sake. He explains that a client may arrive with a ‘crazy’ symbol in mind, like a calabash-shaped building, but the architect’s work is not to copy the object literally.

‘Beautiful forms are not created by adding complexity,’ he says. ‘They emerge from solving the problems with clarity and some intention.’

That is where his language shifts from artistry to investment protection.

‘An architect’s greatest responsibility is not drawing but protecting clients’ investment,’ says Mr Mwoka. ‘Sometimes we usually say that the architect’s job is to protect the client from themselves.’

Budget control, to him, begins with the earliest design decision: the orientation, the structural grid, the material choice, the construction method, among other considerations.

‘We tend to work very closely with quantity surveyors from the onset of the project,’ he says, describing the practice as ‘value engineering’.

Value engineering, he argues, should not become a polite term for cutting quality but about ‘finding smarter ways to achieve the same outcome through better planning, material selection, and construction methodologies’.

The same logic informs his view of green buildings. He acknowledges that environmentally conscious buildings can cost more at the beginning, but he wants developers to think long-term.

‘Buildings have a 25- to 50-year life cycle,’ he says, noting that green buildings bring returns faster because they lower the operating costs.

Asked to name the best green buildings he has seen in Nairobi, he mentions the Britam Tower in Kilimani and the Skanem Industrial Park in Tilisi as some of the highlights.

‘Britam Tower is a very good green building. In terms of design, it incorporated a lot of natural ventilation [and] passive ventilation,’ he says, adding that the Qwetu student residence projects also perform well on that score.

A green design, in his view, should make the building breathe, cool and light itself as much as possible.

‘If you design it well, you don’t have to use air conditioning because you’ve oriented your building to where the wind is coming from,’ he says. ‘In terms of light, you don’t have to use artificial lighting [during the day].’

Across the region, he sees developers becoming more attentive to performance. The fashionable building, he argues, is no longer the one that scores well on aesthetics only.

‘Success of a building now is measured by occupancy, operational efficiency and the return on investment; not just completion,’ he says. ‘Today’s developers are far more focused on life cycle value.’

That shift is taking place in an age when technology has changed how buildings are conceptualised. Mr Mwoka never used the old ammonia-based printing methods that older architects remember, but he has inherited a profession transformed by simulation and building information modelling (BIM).

‘We no longer just design buildings. We also simulate how they perform before they are even built,’ he says.

Digital tools now allow architects to test energy use, costs, sustainability and constructability early enough to change the outcome. BIM, he adds, allows consultants to work from a shared digital model, reducing errors and improving coordination.

Looking ahead, he says, buildings will become more connected, intelligent and data-driven, using sensors and automation to optimise energy use and improve comfort.

‘Technology hasn’t changed the purpose; it’s just changed what’s possible,’ notes Mr Mwoka. ‘At the heart of it, architecture is still about people.’

Artificial intelligence is the newest topic of discussion in architecture technology. Mr Mwoka does not dismiss it, but neither does he accept the argument that it will make architects irrelevant.

‘AI can’t and won’t replace architects,’ he says. ‘However, architects who embrace AI will have a significant advantage over those who don’t.’

His approach to AI is to use it to strengthen research, improve coordination and accelerate design exploration, not to remove the human from the core.

‘AI can generate options. Architects create vision,’ he says.

Perhaps that is why travel remains one of his most important sources of inspiration. Seeing new places helps open his mind and he tries to visit a new country every year. The latest was Sweden.

‘I like Sweden,’ he says. ‘Stockholm has very good architecture.’

Mr Mwoka’s portfolio includes some of the projects he did in his seven years at Boogertman, which include the Westlands Square that he also names among his favourites.

‘We worked with the client from start to finish, and the clients were open to many ideas. They basically made the work of the architect much easier,’ he says.

At Boogertman, he was also involved in the designing of the 12-storey Qwetu hostels in Nairobi’s Chiromo; the nine-storey Qwetu Aberdare Heights; the three-storey Davis and Shirtliff Engineering Centre in Tatu City; and the Basic shopping centre in Kileleshwa that covers 5,307 square metres; among many others.

‘I used to handle clients from the beginning of a project to the end of a project. So, that gave me exposure. I think being a senior architect in the biggest company in Africa gave me a lot of confidence,’ he says.

Now seeking to sprout in private practice, he has a number of mantras. One of them goes: ‘Architecture is not measured by how impressive it looks on the opening day, but the value it creates decades later.’

IFC plans Sh19bn loan to KCB Kenya for capital, SMEs credit

The International Finance Corporation (IFC) is set to loan Kenya Commercial Bank (KCB) Kenya Sh19.4 billion ($150 million) for onward lending to small enterprises and to enhance its capital base, new disclosures by the World Bank affiliate show.

The IFC said that it will lend $100 million directly from its account to the Kenyan bank, with the other $50 million coming from parallel lenders to be mobilised by the institution. Approval of the lending is expected to be considered in an IFC board meeting on September 4.

In addition to the cash loan, the IFC added that it will offer advisory services to KCB Kenya to support the implementation of a sustainable finance framework.

‘Financial additionality includes an innovative derisking instrument not readily available in the market, financial structure in terms of loan amount and tenor, and mobilisation of additional funding from co-lenders,’ said the IFC in its disclosure.

‘Non-financial additionality is primarily through advisory services to support KCB Kenya in implementing a sustainable finance framework.’

By the end of the first quarter of the year, KCB Kenya had a loan book of Sh1.7 trillion, up fromSh1 trillion a year earlier.

The lender estimated that it extended Sh13 billion in new lending to MSMEs in the first quarter of the year. KCB has regularly accessed external financing from development and multilateral institutions to support its lending capacity, particularly targeting medium and small enterprises.

In July, the bank received Sh12.9 billion in financing from the European Bank for Reconstruction and Development (EBRD) for onward lending to and women and youth-led businesses, and green enterprises. This was the first investment in the Kenyan banking sector by London-based by EBRD since its formation in 1971.

Similar to the IFC arrangement, EBRD will also offer KCB technical assistance to strengthen its green lending capacity through specialised training, advisory services and technical expertise, enhancing its ability to support environmentally sustainable investments.

Other international lenders who have given loans to the bank include British International Investing with a Sh12.9 billion facility in 2025 and the European Investment Bank with a Sh32 billion facility in 2024.

In total, KCB Bank’s borrowings from development institutions stood at Sh72.4 billion in March, up from Sh67.5 billion a year earlier.

The new capital has come at a time when Kenyan banks are under pressure from the Central Bank of Kenya to grow their lending to the private sector to boost the growth of the economy.

In the 12 months to May 2026, growth in credit to the private sector stood at 9.3 percent, up from 71 percent in April, but still well below the 12 to 15 percent level seen as ideal to back healthy growth of the economy.