Co-op Bank rivals Equity and Safaricom in digital overdraft race

The Co-operative Bank of Kenya has introduced an unsecured digital overdraft facility that allows customers to overdraw their accounts by up to Sh100,000 for transactions such as bill payments, raising competition for Equity Bank Kenya and Safaricom.

The lender has informed customers that the new short-term credit facility, called ‘Kamilisha’, will enable individuals and businesses to complete transactions when they do not have sufficient funds at a time of paying bills such as house rent, electricity, stock purchases or sending money.

‘The overdraft service allows you to complete transactions when you don’t have enough money in your bank account. It bridges the shortfall between what you have and what you need to pay, helping you complete important transactions instantly,’ the lender told customers.

Court backs sacking of tutor over sexual harassment

The Employment and Labour Relations Court has upheld the sacking of a lecturer accused of sexual harassment by inappropriately touching female students, hugging them suggestively, and using uncomfortable terms to address them, such as ‘darling’ and ‘sweetheart.’

The court said that Oshwal College in Nairobi had a valid and fair reason for terminating the employment of Benard Nyamamba Mauti in May 2023 on grounds of gross misconduct.

After reviewing the students’ complaints, the court said, it was evident Mr Mauti’s conduct was inappropriate and amounted to sexual harassment, and his actions clearly breached the boundaries of the professional student-teacher relationship, expected of him.

As a lecturer, the claimant was under a strict obligation at all times to maintain professionalism in all interactions with his students and to refrain from any verbal or physical behaviour of a sexual nature,’ said the court.

Although the students described the lecturer as a good teacher, his conduct was unethical and inappropriate.

And while he allegedly referred to female students as ‘sweetheart’ or ‘darling,’ was overly touchy with them, hugged and whispered in their ears, it was claimed that he was notably harsh towards male students.

‘In light of the foregoing, the Court finds no reason to doubt the credibility of the students’ statements outlining the allegations against the Claimant,’ said the court.

Mr Mauti was employed by the college in 2010 as a lecturer under an open-ended contract of service and said that he performed his duties diligently throughout his employment.

He was fired on May 19, 2023, over allegations of sexual harassment, but he maintained that his termination was irregular, unlawful, unjustified, and in blatant violation of the Employment Act.

Mr Mauti wanted the court to issue a declaration that his sacking was wrongful and amounted to unfair and unlawful dismissal.

He also sought to be paid damages and compensation for breach of contract amounting to Sh22.7 million, being the wages for the remainder of the contract period from May 1, 2023, until retirement age of 60 years.

He testified that he was summoned to the principal’s office on April 26, 2023, in the presence of the Academic Registrar, where he was informed that he was under investigation based on student appraisal forms.

He said that, through threats and intimidation, the principal failed to fully disclose the nature of the investigation and did not allow him to view or examine the said appraisal forms, which allegedly contained claims of sexual harassment made against him.

A few days later, he said he was summoned to appear before a panel and informed that he was under investigation for sexual harassment allegations made by certain students.

Mr Mauti claimed that the panel, which he considered irregular and incompetent, interrogated him unlawfully without providing adequate or clear particulars of the allegations, including the identities of the complainants, the specific nature of the accusations, or any supporting evidence such as complainant statements, CCTV footage, or reports.

Despite this lack of disclosure, he answered the panel’s questions and categorically denied all allegations.

The lecturer said he granted only three days to respond to the show cause letter, yet he had not been furnished with full and detailed particulars of the allegations, including the names of the complainants, the specific allegations, and the evidence relied upon.

He maintained that the statements were fabricated and backdated to appear genuine after he had demanded them during his interrogation by the panel.

The college management defended the termination, saying the decision was conducted in accordance with the law, fair and lawful, and that he was in breach of the Employment Act and the college’s human resources manual.

The college said it first received a complaint regarding his conduct involving sexual harassment, specifically, an incident in which he kissed a student in the library.

Mr Mauti allegedly acknowledged his misconduct and, by a letter dated August 23, 2010, he tendered a written apology, undertaking that such behaviour would not recur.

About four years later, there was another complaint from a parent alleging that he had been sending inappropriate text messages to her daughter, which made the student uncomfortable.

Once again, he allegedly admitted to the conduct, apologised, and was cautioned regarding his behaviour and its potential consequences.

There were more complaints from students, with one alleging that he had inappropriately touched her, solicited and received a gift from her, and made unwarranted phone calls to another student.

Again, he was reminded of the college’s duty to maintain a safe and respectful learning environment and was issued a final warning, cautioning that any further breach of the institution’s ethical or welfare standards would lead to immediate termination of his employment.

The court said the alleged behaviour of touching and hugging female students and addressing them with terms such as ‘darling’ or ‘sweetheart’ was wholly improper and constituted sexual harassment.

‘As a learning institution, the Respondent bore a duty of care to its students to ensure that the learning environment remained safe, both physically and emotionally. This duty required the Respondent to investigate any allegations of sexual harassment and to take appropriate disciplinary measures if such allegations were substantiated,’ said the court.

The court said it should also be appreciated that the college was not required to prove the allegations against the lecturer beyond a reasonable doubt.

Kenya rolls out digital cargo system to cut Mombasa port delays

Kenya is introducing an integrated digital platform at the port of Mombasa for faster clearance of goods, marking a significant step in efforts to reduce congestion and shorten turnaround times at the country’s busiest maritime gateway.

The platform, known as the Port Community System (PCS), is being implemented in a joint partnership between Kenyan software development firm EMEA Port Logistics and Dubai-based logistics group DP World, working alongside the Kenya Ports Authority (KPA).

The new system is designed to link all players involved in import and export processing, including shipping lines, clearing and forwarding agents, transport firms and government departments, on a single online network.

Through the system, users can track shipments, submit documents, make payments and book gate entries electronically, replacing the multiple digital and manual steps that currently slow down cargo release.

‘This partnership with DP World marks an important step in advancing Kenya’s logistics capabilities. Together, we’re creating a connected and transparent ecosystem that benefits all players in the trade chain,’ said Jack Rono, director at EMEA Port.

DP World said the platform would simplify coordination among agencies that handle cargo clearance, allowing information to move simultaneously across institutions that traditionally rely on separate databases.

It projects that once fully deployed, the new framework could cut average cargo clearance time by about 30 percent.

The initiative seeks to address long-standing inefficiencies at Mombasa port, where overlapping systems and paper-based procedures have kept dwell times among the highest in the region.

Efficiency at the port is closely watched through Time Release Studies, which measure how long it takes for goods to move from vessel arrival to release.

The most recent review by the statistics and customs authorities put average clearance at between 13.5 days, depending on cargo type.

The Mombasa port handled 32.86 million tonnes of cargo throughput between January and September 2025, compared to 29.97 million during the same period last year, marking a 9.6 percent growth.

In the latest data, the port registered 1.55 million twenty-foot equivalent units (TEUs) between January and September 2025 compared to 1.46 million TEUs in 2024.

The increase represents a growth of 91,000 TEUs, equivalent to 6.2 percent.

Kenya operates several parallel digital tools, including the Kenya TradeNet System, which handles trade documentation, and the customs platform run by the Kenya Revenue Authority (KRA), which do not always communicate seamlessly.

By merging these processes into one interface, the PCS is expected to reduce duplication and lower compliance costs for importers and exporters.

In practice, that means information on a single container will be entered once and updated automatically across all relevant agencies.

DP World has been expanding its digital logistics platforms in Africa as part of a wider strategy to modernise trade flows.

The firm already operates similar systems in Tanzania and Mozambique, linking ports, customs agencies and transport corridors under unified data networks.

The deployment in Mombasa also underscores Kenya’s renewed push to digitise trade procedures and align with regional efficiency standards under the African Continental Free Trade Area framework.

A seamless digital chain is considered key to cutting non-tariff barriers that raise logistics costs across East Africa.

11 killed in tourist plane crash in Kwale

A Mombasa Air Safari plane crashed and burst into flames in Vyungwani area, Matuga, Kwale County, killing all 11 people on board.

In an official statement, the airline said the accident involved its aircraft, registration number 5Y-CAA, which was operating a scheduled flight from Diani Airport to Kichwa Tembo, Maasai Mara, on Tuesday morning, October 28, 2025.

‘Mombasa Air Safari Limited deeply regrets to confirm that one of our aircraft, registration number 5Y-CAA, was involved in an accident today, the 28th October 2025, while operating a scheduled flight from Diani Airport to Kichwa Tembo, Maasai Mara,’ the airline said.

‘Sadly, there are no survivors.’

According to the airline, the fatalities included eight Hungarian nationals, two Germans, and one Kenyan crew member.

Kwale County Police Commander Abdillahi Alio confirmed the incident, saying security and rescue teams had cordoned off the area.

The Kenya Civil Aviation Authority (KCAA) said the aircraft took off from Diani at around 8.30am and crashed shortly after.

‘Government agencies are already on site to establish the cause of the accident and its impact,’ said Emile Arao, KCAA’s Director-General.

The cause of the crash is still under investigation.

Loud bang

However, locals reported hearing a loud bang before spotting flames and smoke rising from the wreckage.

‘It was still very early when I heard a loud bang. I rushed to the scene and found that the plane had caught fire, and there was no one we could save,’ said Makopa Sazu, a resident of Vyungwani.

Witnesses said the area had experienced heavy overnight rain and thick fog on Tuesday morning, conditions that may have reduced visibility.

Aviation safety

The accident has renewed safety concerns over Kenya’s aviation sector, especially involving light aircraft.

In recent months, the country has witnessed several fatal air crashes. In August, an Amref Flying Doctors aircraft crashed in Mwihoko, Kiambu County, shortly after take-off from Wilson Airport, killing all six people on board.

Earlier in January, a light aircraft burst into flames after crash-landing in Malindi, killing three people on the ground, while the pilot and two students survived with injuries.

Just weeks later, on January 31, a Cessna A185F crashed at Kedong Ranch in Naivasha, Nakuru County, killing both occupants. Investigators cited low visibility and poor weather conditions at the time.

In March, a trainee pilot was killed when a light aircraft crashed at Ikanga, near Voi in Taita-Taveta County. And in June, two Kenya Defence Forces officers died when a KDF training aircraft went down in Kinango, Kwale County.

Kakuzi directors back in court to block CMA’s probe

Eight directors of listed firm Kakuzi have gone back to court to stop an investigation by Capital Markets Authority (CMA) over alleged conflict of interest and financial impropriety.

In an application to be heard next month, the directors led by chief executive officer Christopher Flowers want the inquiry stopped, pending the hearing of an appeal they have filed.

Other directors facing the investigation are Nicholas Ng’ang’a, Graham Mclean, Andrew Njoroge, Ketan Rameshchandra, Daniel Ndonye, Stephen Waruhiu, and John Kimani.

The regulator started investigations into companies that have been doing business with Kakuzi and which have links to some of the directors.

The High Court on September 30 dismissed an appeal by the directors paving the way for the CMA to proceed with the inquiry.

But the directors submitted that they will suffer substantial prejudice if the capital markets regulator is allowed to proceed with the inquiry process, before their appeal is determined.

The court had suspended the execution of the decision for 21 days which ended on October 21. The directors formally went back to court on October 15 and the matter was fixed for highlighting submissions on November 19, 2025.

‘The appellants are reasonably apprehensive that unless the orders sought herein are granted, the respondent (CMA) will proceed with the inquiry which will further occasion great injustice to the appellants and would render the intended appeal nugatory,’ the directors said in the application.

The High Court dismissed their appeal last month saying the directors and the company failed to prove any violation of their rights and fundamental freedoms, for the court to intervene.

‘The appellants’ (Kakuzi’s) actions also seem to be premature. As such, the contention is for rejection,’ said the court.

The eight directors had faulted the investigation, which commenced in June 2021, arguing that the entire process was not fair and did not meet the constitutional requirements of right to fair hearing.

In the second appeal, the directors have faulted the court over the failure to find and uphold their constitutional right to a fair hearing and in particular, the refusal or failure to disclose the particulars of the alleged financial impropriety.

They said the failure to disclose the complaints received from third parties and failure to give reasons as to why it considered their documents submitted during the inquiry as insufficient, was wrong.

They have also submitted that the court made an error in finding that they did not prove any infractions of their rights and fundamental rights.

It is their argument that the regulator erred by withholding the particulars of the alleged financial impropriety or give reasons for the failure to provide the nature of the complaints, received from alleged third parties.

They further submitted that they were within their constitutional rights to not only request information concerning the allegations raised against them, but also the evidence and materials relied upon by the CMA.

The regulator said in its filings that it had sufficient cause to conduct the investigation, which centred on Management and Operational Services Agreements signed between Robertson Bois Dickson Anderson Limited and Kakuzi on December 11, 2017, as well as the those signed between Eastern Produce Regional Services Limited and the agricultural firm.

The regulator also intended to probe business dealings and agreements with related companies including Robertson Bois Dickson Anderson Limited, Eastern Produce Kenya Limited, EPK Empowerment Company (Kenya) Limited, Lintak Enterprises (K) Limited, Linton Park (Kenya) Limited and Siret Tea Limited.

What firms that perform and last longer master

Jepkemoi founded and now runs a midsize food processing company in Kitale. When staff ask her what the business is really trying to achieve in terms of indicators and impact, Jepkemoi brushes them off and says the job solely exists to make money and keep costs low.

Different departments within the company chase different ideas of what matters to them without an overarching unified vision. Quality eventually begins to slip.

Customers, at first, gradually and then rapidly start drifting away and finding other suppliers. The staff in turn feel tired and replaceable. Even though everyone is busy, no one is sure what they are actually building and working toward.

Researchers Gerard George, Martine Haas, Anita McGahan, Simon Schillebeeckx, and Paul Tracey warn about such purpose and meanings gaps in their widely read study.

The research states that corporate purpose exists as much more than a slogan. Rather it is a clear explanation of three distinct purposes.

First, why the firm exists. Second, who the company tries to create value for. Third, what future is the organisation trying to build. Many firms erroneously just dismiss purpose as an external facing slogan and do not cascade down the real tripart purpose that the board, and hopefully senior leadership team, already know. So, the employees are left guessing and pondering their future and meaning.

Strong purpose among the three meanings must blend both a goal view, which is what one is trying to achieve, and a duty view, which is who an entity refuses to harm and who that entity is committed to serving responsibly.

When leaders only talk about profits over and over again, but ignore the organisation’s duty of care, then employee trust collapses which eventually impacts customer faith and trust.

On the flip side, when leaders only talk about duty but ignore performance, execution stalls and come to a standstill. The work of a senior executive is to hold both dimensions as they lead.

The research outlines three stages in which leaders can shift the internal culture towards a purposeful direction. Initially, start with framing. Say in plain, direct, and specific language what the firm stands for. Capture the stance in one sentence. Do not overcomplicate it and leave out buzzwords, acronyms, and slogans.

Next, formalise the purpose. Layer the purpose into the organisational structure, human resources incentives and rewards, hiring practices and profiles, training regiment, reporting lines, and the board’s attention through specific agenda items.

If nothing inside the organisation’s internal mechanisms changes, then everything was just for talk and not substance. It is better to do nothing than to elevate staff hopes and then not proceed to change anything.

Finally, realising the purpose. Show proof that the purpose is being achieved in phases. Purpose has to result in visible benefits for customers, staff, and communities, not just merely for shareholders or else it seems meaningless.

Sometimes that can even mean walking away from easy short-term money because it clashes with what you said you stand for. As an example, Kenyan indigenous management consulting firm WYLDE International has famously walked away from public sector contracts that required implied bribes, as seen on social media and in conferences, so as to keep fidelity to one of its core purposes of business with integrity across all its business units and platforms.

The study also makes a harsher, more focused point. Purpose gets enforced by people, not posters, banners, or taglines. Business founders leave their fingerprints on what the company believes is right. But it becomes the staff that either carry it forward or quietly kill it.

Regulators, investors, and communities apply pressure when behaviour and messaging do not match. So, leaders who claim a purpose but reward the opposite behaviour are not just being fake, they are actively training their best people to leave the organisation.

Here is what executives here in Kenya can start doing this month to instill purpose. Write a one sentence honest purpose that a front-line normal employee would recognise.

Then change one real thing in how you run the business to match that sentence. Take for example things like how you pay, what you measure, or who gets promoted. Then showcase one piece of evidence to share with staff that proves you mean it. For example, farmer payouts, defect rates, staff retention, community safety, whatever fits your care purpose.

In summary, remember that purpose is not about branding.

Instead, it exists as internal wiring. When internal design and external expectation become aligned, then companies perform better and last longer. When the two fall out of sync, then you get what Jepkemoi is living with right now and the firm sinks.

China firm’s Kiambu quarry works blocked on environment concerns

A court has temporarily stopped a Chinese firm and its local partner from continuing with quarrying activities in Kilimambogo, Kiambu County, citing concerns about the environment and violations of constitutional rights.

The Environment and Lands Court orders are directed to Chinese firm Sinohydro Corporation Limited and Vallem Construction Limited, highlighting growing scrutiny over foreign-led mining projects in Kenya, particularly where local communities are sidelined.

Similar disputes arose in Kwale (titanium mining) and Kakamega (gold exploration), where human rights activists accused firms of flouting environmental laws.

The court ruled that Sinohydro Corporation and Vallem Construction must immediately cease all mining operations, including blasting, crushing stones, and excavating, or in any manner operating the quarries located at Kilimambogo.

The order remains in force pending the hearing and determination of a petition filed by a non-governmental group, the Regional Centre for Business Ethics and Research (RCBER), challenging the legality of the mining permits.

The petitioners accused Kiambu County Government of unlawfully issuing the two firms quarrying permits without conducting public participation or publishing an Environmental Impact Assessment report.

They argued that the mining activities had caused severe noise pollution, environmental degradation, and health hazards for residents.

According to court documents, residents of Kilimambogo have endured noise pollution, health hazards, and environmental degradation due to uncontrolled quarrying operations.

‘The blasting and crushing of stones have caused unbearable noise pollution, while dust and debris have contaminated water sources,’ the group said. ‘There are no proper waste disposal mechanisms, and residents suffer respiratory illnesses.’

Vallem Construction had challenged the court’s authority, arguing that disputes over mining licences should first be heard by the National Environmental Tribunal (NET) before escalating to higher courts.

However, the court dismissed the objection, ruling that the petition raised fundamental constitutional violations, including the right to a clean environment (Article 42 of the Constitution), which fall squarely under the Environment and Land Court’s jurisdiction.

The court emphasized that constitutional rights cannot be sidelined by procedural technicalities.

‘Where fundamental rights are at stake, courts must intervene,’ the ruling stated.

The court also found that the petitioners have a strong case against the mining activities and the county government, “with a probability of success”, especially on the primacy of public participation in environmental decisions.

“The applicants have demonstrated clearly that the public participation process and the approval by the third respondent (county government) were processes that were not carried out; therefore, there was no public participation on the utilisation of a natural resource which belongs to all,” said the court.

The court observed that the respondents did not deny the facts set out by the applicant, save that they claimed the court lacked jurisdiction over the dispute due to the doctrine of exhaustion having obtained approval from the county to carry out the activities.

It is the petitioner’s case that the County Government issued permits without involving the National Land Commission (NLC) or ensuring compliance with environmental safeguards.

After a full hearing of the case, they want the court to quash the permits. However, the injunction remains in force until the main petition is heard and determined.

Foreign investor participation at NSE plunges to 10-year low

Foreign investors’ participation at the Nairobi bourse has dipped to its lowest level in over a decade as they seek higher returns in developed markets like the US and UK.

Data from the Capital Markets Authority (CMA) for the three months to September show that the share of foreign investor participation in the NSE equities market fell to 28.01 percent in September from 31.28 percent in August and 59.51 percent in April.

This emerges in a period when foreigners have remained net sellers at the NSE for all months this year save for June and August, making local investors key drivers of the bourse, which has gained 46.6 percent since the start of the year.

Foreign investors’ net sales, when share sales surpass purchases, rose to Sh7.2 billion in the nine months to September.

Steady returns from developed markets, including the US, the United Kingdom, China and Japan, have kept the offshore investors out of the NSE.

Stocks in the advanced markets have surged on the back of improved earnings and sustained appetites for tech stocks, which have been super-charged by their exploits in artificial intelligence (AI).

The share rally in the Western capitals has seen foreign investors ignore risky emerging markets such as Kenya, which has recorded a 46.6 percent gain, which the Nairobi All Share Index (NASI) has chalked up since the start of the year.

Analysts have reckoned that the continued positive returns from global markets, notably the US, have reduced the appeal of the NSE.

‘Positive returns year-over-year in developed markets make it more difficult to justify investing in Africa from a risk/reward perspective,’ analysts at Sterling Capital stock brokerage noted previously.

This month, the US market marked the third anniversary of its most recent bull run, which has been powered by gains in mega cap technology stocks such as Meta, Microsoft, Nvidia, Alphabet, Amazon, Apple and Tesla.

The US market rally has minted multi-trillion-dollar companies with Apple and Microsoft crossing $4 trillion in valuation each on Tuesday.

Drivers include improved sales of the new iPhone for Apple and the finalisation of a stake purchase in ChatGPT maker OpenAI’s for-profit business.

The market rally has defied concerns over President Donald Trump’s trade tariffs and fears of an investment bubble around tech stocks.

The NSE faced a difficult task of shaking off recent jitters, including weak policies and currency depreciation, which have exacerbated capital outflows from emerging and frontier economies.

Kenya has yet to have calendar net inflows from foreign portfolio investments into the NSE since 2019.

‘Capital flight to hard currency-denominated assets over the past few years has largely been driven by negative sentiment toward sub-Saharan Africa as a whole due to currency depreciation, the Covid-19 pandemic and inconsistent policies negatively impacting business,’ the analysts at Sterling Capital added.

Foreign investors made a high of Sh4.9 billion in net sales from the NSE in September, offsetting inflows of Sh1.6 billion in August, according to market data compiled from stock brokerages.

The foreigners have remained net sellers so far in October, selling stocks worth Sh1.4 billion on a net basis through Monday this week.

Outflows by foreign investors are expected to continue to the end of the year if gains in advanced markets hold up in the fourth quarter.

Global volatility from US tariff policies is, however, seen driving foreigners to return to emerging and frontier economies if the investment landscape in advanced economies becomes riskier and uncertain.

NSE market gains of 46 percent are on course to be last year’s return of 34 percent in what will cement its place as the top-earning asset class.

A stable exchange rate and low inflation have anchored the market rally alongside a drop in government security yields.

This has given investors

Psychology becomes a lucrative career, but how do they decompress?

Psychology is emerging as one of the thriving professions in Kenya, due to the rising mental health awareness and a growing middle class willing to pay between Sh4,000 and Sh9,000 an hour for therapy.

Yet behind this career’s newfound prosperity lies a quieter struggle: the emotional toll on those who spend their days listening to other people’s pain. As demand surges, psychologists, BDLife spoke to a few of them on how they confront burnout, compassion fatigue, and the challenge of caring for themselves while caring for others.

Washington Kariuki’s journey to becoming a psychologist began with a personal struggle. After being expelled from school in Form Four, he felt like his world had fallen apart. ‘It was a humbling period of searching for meaning and direction,’ he says.

A friend suggested therapy, a simple act that would change his life forever.

‘Sitting in those therapy sessions, I experienced healing in a way I had never known before,’ he says. ‘It helped me rediscover who I was beyond the shame, confusion, and disappointment of that moment.’

That experience didn’t just restore him; it awakened a calling. He realised how many people walk through life carrying invisible wounds, pain they never voice, grief they never process.

He wanted to create spaces where they could be heard and held. That’s how he found his way to Tangaza University College, where he pursued psychology.

Today, Washington, 35, works with a private international non-governmental organisation, his schedule flexible enough to allow him to balance the emotional demands of his work.

He is a member of the Counsellors and Psychologists Board, (a professional body responsible for the ethical standards in mental health practice), the Positive Psychology Association of Kenya, and the American Psychological Association in the United States.

But his curiosity didn’t stop at Western psychology. Later, he joined the Maryknoll Institute of African Studies, studying African tradition and spirituality in collaboration with Saint Mary’s University of Minnesota.

‘Many of our emotional experiences and ways of healing are rooted in culture, spirituality, and community,’ he explains. ‘I wanted to bridge modern psychology with indigenous African worldviews to help people heal in ways that honour both their psychological and cultural identities.’

He has been practising since 2014, and over time, his work has evolved to become both scientific and deeply human.

The work of a psychologist is both noble and heavy. ‘Compassion fatigue is real,’ Washington admits. ‘It’s like running out of emotional oxygen.’ After hours of listening to trauma and grief, I often find myself emotionally drained, unable to switch off.

He recalls some of the most emotionally demanding moments of his career, working at the Kakuma Refugee Camp, surrounded by people who had lost everything. ‘There were days I sat across from someone who had seen lifeless bodies or fled war. The helplessness in their eyes would stay with me long after the session,’ he says.

He has also worked with offenders living with mental conditions, a task that demands immense empathy. ‘Supporting people who have caused harm but are also victims of pain requires holding complex emotions, compassion, accountability, and humanity, all at once.’

Still, Washington shows up. Every day. ‘Healing, even in small ways, still matters,’ he says.

But holding other people’s pain requires boundaries – ethical, emotional, and spiritual ones. ‘In Kenya, we often work in close-knit communities where everyone knows everyone. You may meet a client in church or at the market. They may ask to talk right there, but you have to balance professionalism with human connection.’

After years in the field, he has learned that emotional strength isn’t about being unshakable. ‘We, too, are human,’ he says. ‘We feel, absorb, and empathise deeply. Being composed doesn’t mean being emotionless; it means being able to hold space for others while still being honest about our own humanity.’

His way of regaining balance is rooted in movement and mindfulness. ‘Nature heals me,’ he says. ‘I hike, run, or spend time in the mountains. There’s something symbolic about standing on a mountain; it reminds me of perspective, resilience, and stillness.’

When he’s not in session, you might find him at the gym or watching a rugby match. ‘Rugby gives me joy and connection,’ he says. ‘It’s a reminder of rhythm, resilience, and teamwork, the same things that keep me grounded in my work.’

But not all coping methods have worked for him. ‘I once thought watching TV or scrolling on my phone was enough to unwind, but that only numbed the fatigue,’ he admits. ‘True rest comes from intentional spaces: silence, solitude, and movement. It’s not about escaping tiredness but restoring the spirit.’

At home, Washington is deliberate about drawing a line between his professional and personal life. ‘After a long day, I take walks, go to the gym or quiet reflection,’ he says. ‘When I walk through my door, I allow myself to just be Washington, not the psychologist.’

‘My family doesn’t need therapy sessions; they need my laughter, my presence, my humanity,’ he adds.

Though psychology often intertwines with his personal life, he tries to keep it natural. ‘Empathy and listening show up in how I relate to people, but I don’t analyse my loved ones,’ he says. ‘At home, I allow myself to be vulnerable too, to share, to seek support.’

Is psychology financially sustainable in Kenya? ‘It is improving. When I began, opportunities were few, but awareness around mental health is growing. I’ve been fortunate to earn well; my highest monthly pay has been Sh230,000, but for me, sustainability isn’t just about the paycheck.’

‘It’s about emotional balance, professional growth, and being able to serve others without losing yourself,’ he says.

For him, true success isn’t measured in figures or fame. ‘When a client begins to breathe again after weeks of despair, when tears turn into laughter, or when someone finds the courage to forgive themselves, that’s success.’

‘When I was applying for courses, my dad suggested I fill in general psychology to complete the form,’ she recalls. ‘He said I loved talking to people and had a way of commanding a room. That’s how I found myself in this career, and I’ve grown to love it.’

She began her practice in early 2022 after graduating with a Bachelor’s degree in psychology from Kenyatta University. She later went for her attachment at Mama Lucy Hospital, an experience she says laid the foundation for her work as a practicing psychologist.

Also, a member of the Counsellors and Psychologists Board in Kenya, she enjoys helping people to understand themselves, heal, and grow. ‘Seeing those moments of realisation and resilience is deeply fulfilling,’ she says.

Working full-time and scheduled appointments on weekends with clients in a private organisation, Grace has come to appreciate both the beauty and the burden of her chosen path.

But there’s one misconception she often encounters. ‘People think I can read minds,’ she laughs. ‘Once I mention I’m a psychologist, that’s the first question I get. In truth, our work involves understanding behaviour, emotions, and thought patterns, then helping people change or strengthen them.’

Many assume psychologists are always calm and composed. ‘It comes with the job. I’m trained to stay composed, even when listening to painful experiences. The client is seeking help, not emotional reactions from me either,’ she says.

Yet, the emotional toll can be heavy. ‘The biggest challenge I’ve faced so far is the emotional burden,’ Grace admits. ‘Sometimes life keeps moving, and I don’t take time to debrief. Those suppressed emotions can later burst and affect my day-to-day experiences. But I’ve learned to recognise when I’m emotionally fatigued. That’s when I take a break.’

She acknowledges that psychologists are human too. ‘Sometimes the mask cracks. When emotions become overwhelming, I take a break or refer a client. Emotional exhaustion is part of the work.’

Some cases are particularly heavy. She mostly handles gender-based violence cases. ‘Those involving minors are the most difficult. They often involve disturbing experiences of defilement or abuse. It becomes even harder when guardians withdraw complaints,’ she says.

Before becoming a psychologist, Grace relied on listening to music and spending time in nature ‘Now I’m more intentional with mindfulness, emotional regulation, and setting boundaries. Reflective practice helps me manage emotional demands better.’

After long or difficult sessions, she unwinds through creative outlets. ‘I paint, attend outdoor events with friends, and journal. It helps me relax and express myself.’

On weekends, she prefers reading fantasy stories to help her relax and make her journaling more imaginative.

Her recovery time depends on the week. ‘If it’s been intense, I take a few hours to rest or journal. When I feel emotionally tired, I take time off to recharge.’

She maintains clear boundaries between work and personal life. ‘Once I leave the office, I switch off. I spend time with family by watching movies, or help with house chores. It keeps me grounded.’

Still, psychology is part of who she is. It’s not something she can turn off, but she adjusts to it. ‘At home, I’m more relaxed and personal, not a counsellor, but a partner or friend. I listen with empathy but without being clinical.’

Depending on experience, specialisation, whether you work in the public or private sector, and how much you earn from your practice or side tasks, Grace says psychology can be financially viable.

Her highest earnings per session have been Sh4,500 for 45 minutes. But for her, fulfilment outweighs figures. ‘Success isn’t in the number of clients or money. It is in seeing someone regain confidence, peace, or purpose. Those thank-you notes and follow-ups mean everything.’

The calmness isn’t detachment; it’s discipline. Her empathy isn’t a weakness but a strength. ‘Healing isn’t one-sided,’ she reflects. ‘It happens on both sides of the session. As I help others, I keep learning and growing too.’

‘I go for debrief sessions’

For as long as she can remember, Nelius Njuguna, 26, has been drawn to helping people. As a child, she dreamt of becoming a doctor until she discovered she couldn’t stomach the sight of blood or dead bodies.

I realised that part of medicine wasn’t for me,’ she opens up. ‘But I still wanted to help people in a meaningful way. That’s how I found psychology. I feel like therapy is a calling, much like teaching.’

Though psychology wasn’t her first choice, Nelius believes she ended up exactly where she was meant to be. She started back at Moi University in 2021 and later went for her attachment at Mathare National Teaching and Referral Hospital.

‘If I ever had to shift careers, ironically, I don’t think I would. I feel like I’m where I’m supposed to be,’ she says.

She currently works as a consultant psychologist with a private organisation, clocking in from 8am to 5pm. Besides that, she is a member of the Counsellors and Psychologists Board of Kenya.

Her greatest joy lies in seeing lives transform. ‘What I love most about being a psychologist is that I get to impact people’s lives. I help them realise their potential and set themselves up for greatness,’ she says. ‘When I see someone move from confusion or pain to purpose and confidence, it reminds me that we all have the potential to be great, something I’m still working through myself.’

Still, the work can take an emotional toll. She says, people often think that psychologists fix people’s lives, yet they just help guide them back to themselves. ‘It’s about walking the journey with them, not dictating the path,’ she adds.

Nelius quickly dispels the myth that psychologists are always composed. ‘No, not always,’ she laughs. ‘I feel just as much as the next person. The difference is that I’ve learnt how to better manage my emotions, which helps me navigate life more steadily.’

Learning to switch off her mind after work has also been one of her biggest challenges.

‘Sometimes it’s hard to stop thinking about my clients,’ she admits. ‘But I’ve learnt that I can’t be everything to everyone. I’ve learnt to refer even people close to me to other psychologists so that I can separate my professional and personal life.’

She admits that some cases linger long after sessions end. ‘I can’t break confidentiality, but some cases are heavier than others. At the end of the day, I’m only human, and some of them do get to me,’ she says.

Before she trained as a psychologist, Nelius didn’t always have the healthiest ways to deal with emotional pressure.

‘When the going got tough, I’d have a mental breakdown,’ she says candidly. ‘I still get those moments, but I’m in a much better place mentally now. I’m still learning. As humans, we’re always evolving and growing.’

Her self-awareness has grown with time. ‘I’ve learnt that feeling emotions isn’t a weakness, it’s part of being alive. The key is how you respond to them.’

Asked about the financial side of psychology, she offers a candid answer, too. ‘Sometimes it feels like the work you put in doesn’t always match the compensation. This is a field you get into out of passion,’ she says.

When the week has been emotionally charged, Nelius retreats inward. ‘My favourite way to decompress is meditation,’ she says. ‘I like to reflect and then clear my head to prepare for what’s next.’

She also journals, a habit she finds both grounding and freeing.

‘Journaling helps me make sense of my thoughts. I encourage everyone to find what works for them, but for me, writing clears the noise.’ Rest, she adds, is non-negotiable.

‘When I feel I’m at the verge of a breakdown, I take time to collect myself and go for debrief sessions. Yes, psychologists go to therapy too,’ she says with a smile. ‘It helps me be in a better position to help my clients.’

Breaks, for her, aren’t scheduled by the clock but by instinct. There were coping methods that didn’t work.

‘I used to use partying as my way to decompress,’ she says. ‘I love music and dancing, but I realised it wasn’t helping me heal. It was just noise masking exhaustion.’

Even outside her practice, Nelius finds that her work shapes how she relates to others. ‘You have to show up for people the way they want you to, not the way you think they need you to,’ she says. ‘Some people want advice, others just want to vent. I try to be who they need me to be in that moment.’

This ability to switch between being a professional listener and a present friend helps her maintain balance. ‘I try not to bring work home. I’m intentional about being there for my loved ones without turning every conversation into a session.’

Future of healthcare relies on efficiency

When most people think of healthcare, they picture doctors in white coats and hospital wards.

But few imagine the quiet machinery behind it all, the approvals, claims, and coordination that determine whether care feels seamless or chaotic.

Yet, it is this invisible infrastructure that often decides how quickly a patient is treated, whether a hospital stays solvent, and whether an insurer earns or loses public trust.

Across Kenya, patients still encounter unnecessary bureaucracy when they should be focused on recovery. Paperwork misplaced, approvals delayed, or data systems that do not speak to one another are indeed barriers to timely care.

And in healthcare, inefficiency almost always has human costs.

Kenya spends about 5.2 percent of its gross domestic product on health, but out-of-pocket spending still makes up roughly a quarter of all medical expenses.

That means that even as infrastructure grows and insurance coverage widens, inefficiency quietly taxes patients through time, stress, and preventable health risks.

Across the world, the problem is, however, not unique.

A McKinsey study found that up to 30 percent of total healthcare expenditure is consumed by administrative processes rather than clinical care. In Kenya, the evidence is visible in manual claims, siloed hospital data, and legacy systems that slow down everything.

But the conversation on healthcare efficiency has moved beyond cost control. Increasingly, insurers and providers are investing in systems that make the patient experience faster, clearer, and less fragmented, proving that operational strength can be a form of care.

At Jubilee Health Insurance, we’ve chosen to confront that challenge head-on through re-engineering the care experience. In 2024 alone, we processed more than 1.2 million medical transactions.

Our artificial intelligence programmes now support parts of claims adjudication, cutting processing times by more than 40 percent and easing the long-standing friction between hospitals and insurers over payments. Quicker settlement, in turn, allows providers to spend less time on paperwork and more time on patients.

Operational excellence, then, is not about machines working faster but systems working together. Insurers are uniquely placed to drive that transformation because they sit at the crossroads of data, funding, and patient flow.

Collaboration will also determine how fast that change comes.

As Kenya moves towards Universal Health Coverage, the question will not be who builds more hospitals, but who builds smarter systems.

Linking hospitals, pharmacies, and digital health providers into a single, interoperable network can cut fulfilment times and prevent duplication , a lesson drawn from pilot partnerships that have already halved post-discharge medication delays.

Dr Musa Misiani is the Chief Operations Officer at Jubilee Health Insurance