How to optimise use of healthcare system

Healthcare products comprise medications, vaccines, devices, and surgical and medical procedures used in disease prevention, diagnosis, treatment and rehabilitation.

These are key pillars of Kenya’s road towards Universal Health Coverage. Effective management of health products through good inventories, resilient supply chain systems, rational use, harmonised regulations, and sound policies is critical to ensuring the optimal functioning of healthcare systems.

The Guidelines on Management of Health Products and Technologies in Kenya (2020), which are anchored on the Health Products and Technologies Supply Chain Strategy 2020-2025, provide the framework of information, procedures, and the tools needed to ensure regular and reliable supply of HPTs, their appropriate storage, control, and issuing across the various levels of service delivery.

Despite the guidelines and policies, access to health products and technologies remains a persistent problem in Kenya.

Under devolution, counties continue to grapple with institutional hurdles such as poor financing, inadequate inventory systems, disconnected supply chain management, inadequate human resources, and underused health information systems.

These institutional hurdles manifest themselves in public health facilities. Cash-strapped budgets, poor forecasting, and inadequate restocking translate to regular stock-outs of essential health products, leading to exclusion of a significant ratio of the population from reliable access to essential medicines and an increase in out-of-pocket spend on medical bills.

For health systems to function properly, efficient supply chains are vital to ensure equitable access to affordable, high-quality health products. The National Treasury issued a directive that all counties were to migrate to the Electronic Government Procurement(e-GP) platform by July 1 2025.

The system is envisioned to enhance the transparency, efficiency, and accountability of the public procurement process. However, less than 45 percent of the counties have fully integrated this platform into their process, which signals a gap in policy and implementation adoption. As such, most counties still use hybrid or manual procurement procedures.

Manual procedures pose the threat of inefficient methods of data collection and management, which do not provide reliable, real-time results necessary to inform critical decisions in procurement of HPTs.

To reinforce efficient data-driven decision-making, we propose measures that empower scaled digitalisation efforts and automation.

Real-time dashboards that enhance forecasting accuracy, reduced stockouts, and streamlined reports to ensure that procurement decisions are backed by data.

Recently, the Pharmacy and Poisons Board (PPB) issued standards for the Authentication and Traceability of Health Products and Technologies (2025).

This policy guideline will ensure that medicines and health products are genuine, traceable throughout the supply chain, and protected from falsified or substandard products. By enforcing track and trace of drugs, there will also be generation of crucial data that is important to quantify facility drug consumption data, predict future trends, and inform purchasing.

As these standards are progressively implemented, drug stock-outs will be minimised, thus building public trust in the health supply chain system.

Another source of worry is the procurement officials’ inadequate capacity and resources, which results in a lack of oversight and implementation of current standards. To mitigate inadequacies in human resource capacity, there should be a dedicated, well-trained workforce that is essential for an effective and efficient health supply chain.

A report by the World Health Organization (WHO) highlighted the need for a systematic approach that provides technical support for improving skills, monitoring size, composition, skill sets, training needs, and performance of the workforce. This prompts capacity-building measures to increase procurement authorities’ skills and competence.

In light of the above and until counties treat management of health products and technologies with the same urgency they reserve for procurement announcements, the gap between purchases and patients will persist.

The milestone worth celebrating is a patient walking into a county hospital and finding the medicine they need, affordable, genuine and available when it is needed.

Devolution will only have delivered on its healthcare promise when counties move beyond purchasing products to building transparent, data-driven and accountable supply chains that keep hospital shelves consistently stocked.

Nairobi’s real estate providers must match changing consumer lifestyles

A while back, few imagined Upper Hill, Kilimani, Kileleshwa and Westlands would become home to clusters of high-rise apartments.

Equally unexpected was the dramatic transformation of leafy suburbs such as Lavington and Karen, where changing planning standards, population pressure, improved infrastructure and new construction technologies have reshaped neighbourhood skylines. These shifts have also changed what buyers and tenants expect from developers.

The developers most likely to succeed are those who anticipate changing lifestyles rather than simply build houses. Understanding the needs of young professionals, entrepreneurs and a growing international clientele is now a competitive advantage.

Some preferences remain non-negotiable. Security of land tenure is the foundation of any property investment, as buyers want assurance that their homes are built on legally secure land. Reliable water and electricity are equally essential, while good access roads and proximity to major transport routes, shopping centres and other amenities continue to influence demand.

Beyond these basics, however, expectations have evolved. Exposure to global housing trends and advances in technology have raised the standard for residential developments in Nairobi. Buyers increasingly want homes that offer convenience, connectivity and enhanced security alongside affordability.

Reliable, high-speed internet has become as important as water and power, supporting smart home devices and remote working. Strong mobile network coverage is another necessity. Security has also become technology-driven, with automated gates, CCTV surveillance, intercom systems and digitally controlled access replacing the traditional guard-only approach.

The rise of hybrid and remote work means developers must also create homes that accommodate workspaces.

Quiet rooms, study nooks or functional balconies, together with sufficient power outlets, USB charging ports and good lighting, are becoming attractive selling points. Looking ahead, developers should also prepare for emerging technologies such as wireless charging stations integrated into homes.

Practical amenities continue to matter. Adequate, secure parking remains a priority, and developers should begin installing electric vehicle charging points as Kenya gradually adopts cleaner transport options. On-site laundry facilities or dependable laundry services also add value for busy urban residents.

Lifestyle amenities have become powerful pull factors. Modest gyms, swimming pools, children’s play areas and well-maintained green spaces make developments more appealing, particularly in gated communities and apartment complexes.

Ultimately, however, the long-term value of a development depends on sustainable management.

How internet metering will affect users, providers

Kenyan lawmakers are considering a proposed law that seeks to change how internet service providers (ISPs) charge customers for broadband use.

If passed, the Kenya Information and Communications (Amendment) Bill, 2025 will require telcos and ISPs to assign subscribers ‘internet meter’ numbers, record their usage, generate invoices based on consumption and submit the data to the State.

It has, however, sparked concerns over higher browsing charges, costly network upgrades and privacy of Kenyans’ internet usage data.

What is the proposed ‘internet meter number’ system?

The Bill proposes that ISPs assign each customer a unique ‘internet meter’ number, similar to the way electricity and water utilities identify clients and record their consumption.

Firms such as Safaricom, Zuku, Poa Internet and JTL would be required to keep records of customers’ internet usage, generate invoices based on consumption and submit subscriber-level usage data to the Communications Authority of Kenya (CA).

How would this change how Kenyans currently pay for fixed internet?

Customers currently pay a fixed monthly fee based on their chosen maximum download and upload speed.

For example, a customer may pay for a 20 Megabits-per-second (Mbps) package and use as much data as required during the billing period without being charged separately for every gigabyte consumed.

Safaricom’s monthly packages begin at Sh3,000 for 15Mbps speeds, while Zuku charges Sh3,000 for a 40Mbps package. Poa Internet offers 20Mbps for Sh1,500, while Liquid offers 20Mbps for Sh2,800.

Internet providers warn that shifting to metering could change this model towards volume-based billing, where customers are charged according to the level of data they consume during a certain period.

This is similar to mobile data bundles, where customers purchase a specified amount of data, such as 100 Gigabytes. It may force Kenyans to pay for extra data before the end of the billing cycle, or otherwise face reduced speeds, technically referred to as throttling.

This would make fixed internet less predictable for households, academic institutions and heavy users.

Why does the Bill seek to introduce internet metering?

The Bill, sponsored by Aldai MP Marianne Kitany, seeks to introduce transparency in the pricing of internet services and help mitigate consumer exploitation.

By requiring ISPs to record and account for customers’ internet consumption, the lawmaker argues that it would provide a clearer system where billing is linked to actual usage.

Why are ISPs opposing the proposal?

Internet firms argue the proposed system would be costly to implement and could ultimately increase the price of internet services in the country.

They say they would need to invest in specialised network management technology, including Deep Packet Inspection (DPI) infrastructure and complex billing mediation systems to measure and record internet traffic.

The companies say they would need to invest millions of shillings in technology to meter every megabyte customers consume, and these costs would ultimately be passed on to consumers.

A shift from speed-based to volume-based billing would also raise customers costs due to the additional charges customers would need to pay after consuming their allocated data.

Would the government or an ISP be able to see what websites, apps or online services a customer is using?

This would depend on how the metering and network inspection system is implemented. The proposed collection of detailed internet usage data raises concerns about the potential for real-time monitoring and surveillance.

DPI technology inspects data being transmitted across a network. It can be used for advanced cybersecurity defence, alerting, interception, eavesdropping and large-scale internet censorship.

ISPs use this tech to recognise traffic from specific apps such as YouTube or X, for instance, to offer data-free browsing or specialised bundles for these platforms. They also use it to block access to specific websites.

Rights groups also warn that linking customers to traceable meter numbers and detailed records of their internet activity could make it possible to monitor online behaviour.

What are the privacy and data security concerns around the system?

Some experts argue that centralising granular, subscriber-level internet history and traffic-volume data conflicts with the principle of data minimisation, which requires organisations to collect, use and retain only the personal data necessary for a clearly defined purpose.

Creating a central repository containing detailed and personally identifiable internet usage records could also make the information a high-value target for cyberattacks.

Breaches could expose large amounts of information about individuals’ online activities, and could be vulnerable to unauthorised access, leaks or commercial exploitation.

How do other countries bill fixed broadband users?

There is limited evidence of any other country using a utility-style ‘internet meter number’ system for ISP billing in exactly the form proposed in Kenya.

In North American markets such as the United States and Canada, some providers use data caps or pay-as-you-go models, where customers have a set monthly data allowance. Those who exceed the limit face additional charges per gigabyte or have their speeds throttled for the remainder of the month.

Countries such as Singapore, South Korea, France and Japan have advanced fibre markets where consumers get broadband services for a flat monthly price without being charged separately for every unit of data consumed.

NSSF reveals Sh38bn stake in Kenya Pipeline after IPO

The National Social Security Fund (NSSF) pumped Sh36.3 billion into the initial public offering (IPO) of Kenya Pipeline Company (KPC), unmasking the identity of the top shareholder who earlier opted to remain secret.

The State-backed pension scheme got a 22.2 percent stake in the freshly listed firm, making it the second-largest shareholder behind the government, regulatory documents seen by the Business Daily show.

About 90 percent of the top owners of KPC Plc bought their shares through proxies during the firm’s IPO, keeping the identity of the investors anonymous.

Regulatory filings show that 18 of the top 20 shareholders of KPC are under nominee accounts after demand from Kenyan institutional investors and the Ugandan government helped the IPO become oversubscribed.

Without the Sh36.3 billion from the NSSF and Uganda’s Sh33.8 billion, the IPO would have collapsed on failure to hit the success level.

It was required to sell shares worth Sh53.1 billion of the Sh106.3 billion shares that were on offer, in what was East Africa’s biggest IPO in local-currency terms.

The sale is part of President William Ruto’s drive to divest from State companies and seek new funding methods.

The government also reduced its stake in telecoms operator Safaricom by 15 percent in a deal worth Sh204 billion.

Of the top KPC shareholders, only the Uganda National Oil Company Limited (UNOC) and Kenya’s Unclaimed Financial Assets Authority (UFAA) are revealed as beneficial owners with 20.15 percent and 3.06 percent stakes, respectively.

Nominee accounts are registered to hold shares on behalf of the true owners, a structure used globally and at firms listed at the Nairobi Securities Exchange (NSE) to conceal the identity of beneficial owners.

The NSSF has split its stake under several nominee accounts, masking its position as the second-largest shareholder ahead of Uganda, which has a 20.15 percent stake, with the State keeping a 35 percent ownership.

‘The National Social Security Fund’s investment in Kenya Pipeline Company was Sh38.2 billion,’ said filings from the Retirement Benefits Authority (RBA) seen by the Business Daily.

‘The Sh38.2 billion investment in KPC is their largest investment in any listed equity.’

It holds a multi-billion shilling stake in KCB, MTN Uganda, East Africa Breweries Limited and Absa as part of its equity investment at the Nairobi bourse worth Sh168 billion in June, up from Sh109 billion in December.

The NSSF stake in KPC indicates that the State still enjoys majority given their combined ownership of 57. 2 percent.

This saw the NSSF given a seat on the board, with its managing trustee or alternate directors having joined KPC on July 30, 2026.

The IPO got a subscription rate of 105.7 percent despite earlier concerns over lower valuations from some banks, an extended offer period and reports of investor apathy.

Uganda, a landlocked neighbour that uses the pipeline to move its petroleum products, secured a 20.15 percent stake in the company during the IPO, earning it two board seats and veto over the hiring and firing of KPC chief executive.

The NSSF is flush with cash after the government raised the monthly contributions to the fund from a low of Sh400, including employers’ and employees’ share, in 2022 to a maximum of Sh12,960.

This allowed the fund to collect over Sh100 billion annually from Sh26 billion in 2022, providing it with a war chest for cutting deals.

The NSSF is part of a consortium with a Chinese contractor that is building the Nairobi- Nakuru – Mau Summit expressway at an estimated cost of Sh111.3 billion. It is also scouting for private equity offshore deals in the US and Europe.

The heavy share of proxy accounts in KPC’s top shareholder register contrasts sharply with the ownership structure that emerged after IPOs through privatisation.

Safaricom Plc listed only two nominee accounts among its top 10 shareholders in the year ending March 31, 2009, or months following the 2008 offering of the telecoms firm.

KenGen, which had an IPO in 2005, revealed four nominee accounts among its top 10 shareholders.

Foreigners, local retail investors and oil marketing companies (OMCs) shied away from the oversubscribed IPO.

Local retail investors bought shares worth Sh4.1 billion against their allocation of Sh21.2 billion units, while foreigners spent a measly Sh34.8 million compared to their target of Sh21.2 billion.

Oil marketers took shares worth Sh23.1 million or 0.14 percent of the Sh15.9 billion stocks allocated to the dealers who rely on the pipeline to feed the market.

The concentration of local institutional investors and Uganda implied that the IPO was seen as a long-term strategic investment.

The shares, which were sold at Sh9 each during the IPO, started trading on the Nairobi bourse on March 9 and closed at Sh9.06 at the close of trading.

Investors agree to transfer Sh22.5bn in bond switch deal

Investors have agreed to transfer Sh22.5 billion from maturing government securities into a longer-dated bond that falls due in 2029, giving the National Treasury relief from pressure to make the repayments.

The swap transaction, which is also known as a switch bond sale, was targeting Sh15 billion maturities from three Treasury bills that mature on September 7, 2026, and a 15-year bond that is due for repayment in September 2027.

Holders of these securities were offered the chance to transfer part of their principal into a 10-year paper that matures in November 2029, effectively stretching out their lending for another three years.

The August switch bond primarily targeted Treasury bills, which are due in a period of heavy maturities on short-term government debt after a spike in subscriptions over the last three months. The CBK did not, however, disclose the split in the proceeds between the T-bills and the 15-year bond.

When the swap sale was announced last month, the State faced pressure to repay Sh195.7 billion in 91-day Treasury bills that were issued since mid-May.

‘The switch favours short-term investors who are seeking to roll over their current holdings and tap into a better return while at it,’ said analysts at Sterling Capital in a note on the switch bond result.

‘The 10-year bond (destination bond) has a gross coupon of 12.28 percent (net coupon of 11.05 percent), which is relatively attractive compared to the 15-year bond’s gross coupon of 11 percent (net coupon of 9.9 percent) as well as 8.56 percent, 7.82 percent and 9.58 percent weighted average rates for the 91-day, 182-day and 364-day T-bills respectively.’

A swap bond occurs when holders of a paper that is nearing maturity are offered the exclusive chance to move all or part of their principal directly into another longer bond.

Ordinary rollovers, on the other hand, see investors wait until they are paid back their principal by the CBK before making bids in the monthly bond sales where there is no guarantee that their offers will be accepted.

The August sale was the second one carried out in the current fiscal year, following July’s Sh8.2 billion swap between a five-year bond maturing in November 2026 and a 12-year paper maturing in November 2032.

The successive sales are part of the government’s new debt management strategy of issuing switch bonds every month, departing from the previous practice of utilising the window on a need basis, targeting specific bonds whose repayment would otherwise cause a strain on the exchequer.

For the fiscal year ended June 2026, the CBK offered four switch bonds executed between January and May 2026, which pushed forward maturities worth Sh66.8 billion that were due in the next two years. The year’s borrowing plan had called for six such bonds.

Investors participating in the swap auctions are usually offered bonds that pay a higher interest rate compared to what their current papers pay to entice them to agree to the transaction.

This rate incentive allows them to secure higher future interest returns, even when interest rates are trending downwards.

Switch bonds were only introduced into the Kenyan market recently, coinciding with the rise in government debt service costs amid higher borrowing needs to fund a widening budget deficit.

The Treasury brought its first such bond in June 2020, offering investors a six-year infrastructure paper in exchange for a maturing one-year Treasury bill. This netted Sh20.2 billion out of a target of Sh25.6 billion.

The second switch bond was sold in December 2022, seeking Sh87.8 billion via a six-year infrastructure bond, targeting holders of maturing Treasury bills worth Sh31.96 billion and a maturing two-year bond which had an outstanding amount of Sh55.85 billion.

Withholding tax hurts Kenya’s creative economy

Dear Kenya Revenue Authority Commissioner General; You assume office at a critical moment for our country, when revenue mobilisation, economic growth, job creation and private-sector competitiveness must work together.

I write on behalf of stakeholders across Kenya’s advertising, marketing and creative industries to draw your attention to an issue that is having an increasingly significant impact on the sector: the five percent withholding tax applied to the sector.

We recognise the rationale for withholding tax. It is an important mechanism for improving compliance and ensuring that government revenues are collected efficiently.

The concern is not with taxation itself, but with the unintended economic consequences of the current application of the rate in an industry where margins are relatively thin, and where cash flow is critical to keeping businesses operating and people employed.

For many firms in the advertising and creative sector, net margins can be modest.

A five percent deduction from gross revenue can, therefore, represent a substantial proportion of the profit ultimately available to a business. The result is that significant amounts of working capital are effectively transferred into the tax system before a company’s final tax liability is determined.

This is increasingly becoming a business sustainability issue.

Across the industry, businesses are experiencing pressure on cash flow, with consequences including delayed payments to suppliers, constrained hiring, limited investment in technology and innovation, wage pressures and, in some cases, reductions in workforce.

These pressures do not stop at advertising agencies. They extend across production companies, media agencies, content creators, digital specialists, freelancers, media owners and the wider network of businesses that depend on advertising expenditure. The issue becomes more acute where excess withholding tax credits cannot be recovered quickly and predictably.

In my view, a withholding tax system works best when there is a corresponding mechanism through which taxpayers can efficiently reconcile and recover amounts withheld in excess of their ultimate tax liability. Where refunds or offsets take too long, the system effectively turns working capital into an interest-free source of financing for the tax system.

That is particularly challenging for smaller and growing businesses, which have fewer financial reserves and less capacity to absorb prolonged cash-flow constraints.

This matters beyond the fortunes of the advertising industry.

It helps manufacturers launch products, enables retailers to reach customers, allows financial institutions to acquire new users and gives SMEs a route to market. It also supports a growing creative economy encompassing filmmakers, designers, photographers, writers, digital creators, strategists, technologists and thousands of young professionals.

Constructive dialogue

At a time when Kenya is seeking to expand youth employment, digital entrepreneurship and the creative economy, we should be careful that the design of tax administration does not inadvertently constrain sectors with significant potential for growth and job creation.

The industry believes this is an opportunity for constructive dialogue between KRA, the National Treasury and the Creative sector.

The taxman could undertake a review of the applicability and appropriateness of withholding tax on advertising, marketing and creative services, including an assessment of whether the current rate remains proportionate to the economics, margins and operating realities of the sector.

The second would be to adopt a reduced withholding tax rate of two percent for the sector as this provides a more appropriate balance between protecting government revenue collection and reducing the significant working-capital burden.

The third, if the withholding mechanism is retained, would be to establish a transparent, predictable and time-bound process for the reconciliation, offset or refund.

The objective should not be to weaken tax compliance. It should be to design a system that enables government to collect revenue efficiently while allowing compliant businesses to remain liquid, invest, employ people and grow.

Kenya needs revenue. Businesses need liquidity. Our shared objective should be to design a tax system that protects both.

KCB asks DCI to probe papers in Sh146bn cash row case

KCB Bank has asked the Directorate of Criminal Investigations to probe documents filed in court by Foxcapital Investment Ltd as part of a legal tussle over Sh146 billion wired to it from abroad for investment in government bonds.

The bank claims the documents are falsified and wants the investigators to establish who prepared, supplied, circulated or presented them in court.

The dispute concerns pound =978,675,835 (Sh146.3 billion), which Foxcapital says was wired to its KCB account in October last year as a foreign inward remittance by British company Bay Bionics Ltd, formerly BB Biotech AG Ltd.

Foxcapital sued early this month, claiming KCB received the foreign remittance but failed to credit its account, prompting the High Court to preserve the funds pending determination of the dispute on whether the bank actually received and withheld the transfer intended for the investment firm.

In its complaint to the DCI’s Banking Fraud Investigations Unit, KCB Group, through its chief executive officer Paul Russo, challenges documents Foxcapital relied on to support its claim.

These include SWIFT messages, an April 17, 2026 incident report, a May 18 financial-crime review and a July 1 technical review.

KCB says documents attributed to UBS Switzerland AG and KCB officials were not genuine.

According to the complaint, KCB wrote to UBS on August 13, 2026, seeking confirmation of the documents and remittance.

KCB says UBS responded that the documents and payment instructions ‘are not originated by UBS Switzerland AG and are therefore not genuine.’ It says it has challenged the documents after finding no corresponding transaction in its systems, receiving a denial from UBS and obtaining sworn statements from its officers.

‘Taken together, the absence of the transaction from KCB’s systems, UBS Switzerland AG’s express denial, the sworn evidence of KCB’s officers and the multiple documentary irregularities give KCB reasonable cause for concern that falsified documents are being used to support a claim that KCB is holding or liable to credit the pound 978,675,835.00 to Foxcapital,’ the bank CEO says.

KCB says its SWIFT Gateway search found no corresponding transaction. The allegations directly challenge Foxcapital’s earlier account that the funds were transmitted and later confirmed as received by KCB.

Foxcapital CEO David Dudi Akech told the court that KCB’s internal records showed the money had entered a pre-settlement suspense account.

He relied on an alleged April 17, 2026 report, which he said classified the matter as critical after a system routing fault.

Mr Akech also relied on an alleged May 18 financial-crime review and Anti-Money Laundering and Countering the Financing of Terrorism (AML/CFT) clearance, which he said found no adverse findings and no evidence of staff collusion.

A Kenyan solo traveller’s month-long Mongolia trip

In July, Netty Nyong’a decided to travel alone to Mongolia for a month. She had always been fascinated by the country’s rich traditions and nomadic way of life. ‘Most of the people there are nomadic. They move with the seasons, four times a year,’ she tells BDLife.

A tax consultant by profession, she says her job is high-pressure and demanding, the kind of work that follows people home through emails and late-night calls. She wanted a break and a different feel to nomadic life.

‘Most of us have accumulated so many things and hold on to them so tightly that, if we were asked to leave today, they would hold us back,’ she says.

She had travelled to Bali, Cape Town, Mauritius, the United Arab Emirates, Tanzania and Uganda, but she says these were holidays.

‘Mongolia was for adventure. Not for the flashy selfies or picture-perfect moments shared on Instagram,’ says the 26-year-old.

Year-long planning

She took a year to plan the trip. She had hoped to travel in December, but a local guide advised her against it because of the extreme cold.

‘December is deep winter in Mongolia, when temperatures can drop to as low as minus 65 degrees Celsius,’ she says.

So she chose July, when the country experiences a short summer.

With everything in place, all she needed was to attune her body to the adventurous trip.

‘I started working on losing weight,’ she says, knowing the adventure would demand more of her than any holiday she had taken before. The trip involved long walks, hiking, camel riding and swimming.

Then came the packing. Just how many clothes do you need for a month-long holiday that takes you through two extremes: a scorching desert one day and a snow-capped mountain the next?

‘In Mongolia, there are places you’ll visit covered in ice and snow, yet it is summer. I was also not a seasoned hiker. At the end I realised I didn’t even need half of this stuff,’ she says.

Getting her tourist visa took about five days. The process involved detailed questions about her social media accounts and whether she had any skills involving weapons.

‘They wanted to understand my real purpose of going there and who I am. But it did not feel too invasive,’ she says.

She flew through Thailand and Beijing before arriving in Mongolia, paying about Sh120,000 for her Air China ticket.

‘I do have a sizable discount with Kenya Airways (KQ). But full price would have been a bit pricey,’ she says, adding that a KQ ticket would have cost her about Sh200,000.

Language barrier

The journey took two full days. From above, the land looked endless and empty, broken only by traditional Mongolian homes called gers, scattered. ‘It is just such a huge space with nothing,’ she says.

As she drove into the capital, Ulaanbaatar, she saw the country’s layered history side by side – old Soviet-era buildings alongside modern skyscrapers, with traditional gers appearing in the middle of neighbourhoods.

‘That was one of the things that really struck me,’ she says.

Mongolia uses the Cyrillic alphabet, which she could not read. ‘I couldn’t even read a billboard,’ she says.

She relied on a driver arranged through a logistics contact she had found in a TikTok comment to communicate. For the first two and a half weeks, they communicated mostly through sign language and patience, especially in places without internet access for translation apps.

She found her first accommodation, a hostel, which she paid Sh6,000 for three nights.

The adventure started with the Naadam Festival. ‘Often described as Mongolia’s version of the Olympics, it is held during the country’s short 10-day summer break. It is a huge festival,’ she says.

She spent two days there before moving into the rest of her itinerary. She wanted to see reindeer, live with nomads, milk goats and ride camels.

Food was one of the biggest adjustments she had to make. Most meals had cow, goat, sheep or yak meat and dough, since Mongolian families keep large herds.’

Chicken was almost impossible to find. ‘I was told, in a vast land like Mongolia, there are too many natural predators for chicken: eagles, hawks, bears, wolves and foxes. Chickens would not survive there,’ she says.

A ride on horses

She travelled to one of the most remote parts of Mongolia, where she visited the Tsaatan people, reindeer herders who live near the Russian border. It took four days of driving just to get near them, and eventually the car could go no further.

‘We had to ditch the car and take horses,’ she says.

Getting up into their world came with its own cost. Altitude sickness set in during the horse ride into the mountains, and she was given shots of vodka as an unlikely remedy.

‘We were so high up in the mountains that I became dizzy. Usually, locals deal with that by taking a few shots of vodka,’ she says.

In Mongolia, horse riding is not just a pastime but a means of transport. ‘At a red light stop in traffic, with cars waiting, I’d see people on their horses. This is a way of life,’ she says.

Integrating with the Tsaatan, she learned about shamanism, the country’s dominant belief system, centred on living in harmony with nature and ancestors. ‘It is that if I live well with nature and I live in harmony, then surely nature will also give to me,’ she says.

She had hoped to meet a shaman during her stay, but he had gone further into the mountains to heal himself first.

Dogs scare

Life among the reindeer herders is basic. They live in tents made of sticks and tarpaulin, offering little protection from the weather or animals. ‘The top is left open, so if it rains, you are rained on,’ she says.

One night, a pack of dogs entered the camp and stole their food while they slept.

‘I remember waking up scared, just hearing them tearing through our things. There was nothing really between them and us,’ she says.

From that unsettled night in the mountains, her journey took her south, to the Gobi Desert, where she went to milk goats and stayed with a nomadic family who spoke no English at all. ‘Not hello, not yes and no, nothing. It was fully body language experience,’ she says.

Her tent stood alone at the bottom of a mountain, surrounded by stinging plants she only noticed once it was dark. The family relied on an unstable Starlink connection for the rare moment of internet access, and even Google Translate struggled with the language.

‘It does not do the majority of the communication. It kind of just gives your ideas, and then you try and fill it in again,’ she says.

Cut off from any real conversation, she sensed the family felt uneasy around her, though she was never able to figure out why. ‘I was not sure whether they were uncomfortable with my presence. I spent a lot of time on edge,’ she says.

After two nights instead of the planned week, that unease pushed her to leave early. ‘I had to run away,’ she tells BDLife, laughing at that memory.

‘Everything hurt’

Escaping the desert meant getting back on a horse, the same horse ride that had carried her to the reindeer tribe earlier in the trip. It was supposed to take six and a half hours. It took nine and a half. She fell off at one point.

‘Everything hurt because you are jumping up and down on this horse. You have no back support,’ she says. ‘I was second-guessing myself a lot. I was telling myself, okay, now I’ve deluded a bit too far,’ she says.

That same delusion, as she calls it, carried her through the most frightening moment of the whole trip, deep in the desert. An old nomadic man was driving her to his family’s home, fast over rocky, unmarked terrain as night fell, when their tyre burst with no spare, no network and no light for miles. ‘No one knew what to do. He opened the car boot. Shock, there was no spare tyre,’ she says.

With nothing else to do, they climbed sand dunes to catch a single bar of signal and call for help. It took nearly two hours before someone arrived with a tyre, and Netty fitted it herself. ‘It looked like he was not too comfortable changing the tyre. So I changed the tyre.’

She says she wasn’t really fearful. ‘My life motto is kukufa ni once [I die once]. No matter how bad the situation gets, it can only kill you once. There is no time for anxiety and regret. You might as well live,’ she says.

Being an object of spectacle

She noticed something unexpected: how people responded to her height and build. Strangers would stop her just to take pictures.

‘Mongolians know Kenyans for running only. They don’t even know where it is, but they know we are runners,’ she says.

Netty says if you are looking to travel to Mongolia, start with fewer days, perhaps two weeks instead of a month. Also, itemise the expenses instead of lumping everything into one figure. ‘There are some expenses that you will know outright when you are still at home. Get those sorted out a long time before,’ she says.

She also recalls her early hostel nights in Ulaanbaatar as proof of how far a small budget can stretch. Hostels were much cheaper than hotels and often brought together travellers who would team up and share transport costs. ‘You would wake up, and somebody has written a note on the table: Is there anyone willing to join me so we can share? ” she says.

Visa requirements

She warns travellers to check visa requirements because of connecting through multiple countries, since checked luggage sometimes needs its own valid visa path. She nearly got stranded on her return journey because of a mismatch between her flights.

She came home with fridge magnets and traditional Mongolian clothing as souvenirs.

‘It is a big thing to have great traditional attire. Some of them even go up to Sh51,000 to Sh64,000 for one piece,’ she says, adding, ‘this was an experience that was so worthwhile, an adventure of a lifetime. Even if it meant spending my entire life savings, I was going to do it. And I don’t regret it,’ she says.

How much did she spend?

‘About Sh850,000,’ she says, adding that she does not want the life others expect of her: a regular job, marriage, children and settling down.

‘I don’t believe the traditional path of life is for me. I believe my purpose in life is to explore the world,’ she says.

When asked where she will travel next, she laughs at her own ambition.

‘I’m very delusional, very ambitious, especially now that I absolutely have no money. I want to go to the North Pole. That’s what’s next.’

Kenya Re half-year profit jumps 43pc to Sh2.25bn

Kenya Reinsurance Corporation (Kenya Re) posted a 42.8 percent jump in net profit to Sh2.25 billion in the six months to June, lifted by stronger underwriting performance which offset a decline in investment income.

The reinsurer’s net earnings rose from Sh1.6 billion recorded in the same period last year as it benefited from growth in insurance revenue and improved risk selection.

Insurance revenue increased by 14 percent to Sh9.4 billion from Sh8.3 billion, reflecting growth in the corporation’s business during the period.

The biggest improvement was recorded in the insurance service, a key measure of underwriting performance, which more than quadrupled to Sh1.25 billion from Sh302.98 million a year earlier.

The increase in insurance service result points to an improvement in the profitability of Kenya Re’s core business, helping cushion the impact of a 3.2 percent fall in investment income to Sh2.62 billion from Sh2.71 billion during the period.

Kenya Re Group Managing Director, Hillary Wachinga, said the results show the quality of the corporation’s underwriting portfolio.

‘This reflects the quality of our underwriting portfolio, the strength of our regional operations and the dedication of employees,’ he said.

‘We remain focused on strengthening our market leadership, deepening regional diversification and positioning the corporation for long-term growth in an evolving insurance landscape.’

Kenya Re told shareholders during the AGM on June 19, 2026 that it had stepped up the fight against fraud through measures like checking detailed lists of policies and claims for treaties with loss ratios above 30 percent.

It also implemented stringent underwriting controls and treaty wording revisions like the sunset clause and limitations on commercial vehicles as well as riding on historical claims data and AI-based claims processing tools to guide renewals.

During the period under review, operating expenses increased by 22 percent to Sh800 million from Sh600 million.

The company is seeking to deepen its presence outside Kenya as part of a strategy to diversify sources of business and earnings.

Kenya Re has three wholly owned subsidiaries in Uganda, Zambia and Côte d’Ivoire, giving it a presence in East, southern and West Africa.

It has set aside Sh1.5 billion for setting up a subsidiary in Tanzania, a branch office in India’s Gujarat International Finance Tec (Gift) City and a liaison office in Rwanda.

The company’s improved first-half performance comes as insurers and reinsurers continue to navigate changing risk patterns and investment market conditions, increasing the importance of underwriting discipline in protecting earnings.

Kenya’s insurance industry has witnessed increased claims, which have cut underwriting profits of several companies that have published their half-year results.

There has also been pressure on investment earnings due to lower returns on asset classes such as government securities, which are the most popular investment among insurers.

Africa must build its own fertiliser security systems

When cargo traffic slowed through the Strait of Hormuz this year, the cost of feeding continents moved with it. The corridor carries roughly a third of the world’s urea and nitrogen-based fertilisers.

Within a week, urea prices in the Middle East climbed 19 percent. Across Africa, where food already absorbs about half of household spending, the arithmetic was brutal: urea prices doubled from $400 to $850 per tonne, triggering a sharp rise in food prices.

The resumption of fertiliser and fuel flows brings relief to strained global markets. However, relief is not resilience. This was the third major fertiliser shock in five years, following the pandemic and the war in Ukraine. The Horn of Africa absorbed the cost.

It is structural dependence that turns distant conflicts into domestic emergencies. African states do not need to invent their way out of this challenge. The technologies and platforms already exist. Locally produced organic fertilisers, biostimulants and green-ammonia pathways already exist and need to be scaled.

The core problem is failure to align financing, policy design and market structures, so farming is profitable enough for supply to reliably follow demand. Improving nutrient-use efficiency and embracing nature-based nutrient sourcing can raise smallholder productivity and profits while reducing costs. Profitability is one of the food system’s most powerful levers and one of the most underused.

The assets are here. North Africa holds roughly 78 percent of the world’s phosphate reserves, while African fertiliser production has grown by 146 percent since 2002.

We have also built platforms for pooled procurement, regional trade and local manufacturing through AfCFTA, the Africa Trade Exchange and the Africa Fertiliser and Soil Health Action Plan. What is missing is sustained investment to get fertiliser to smallholder farmers affordably and on time.

But the conversation needs to change. In many African soils, nitrogen and phosphorus are among the most important nutrients determining crop yields. Africa’s binding constraint is often nitrogen rather than phosphate.

Nitrogen production is tied to natural gas, the feedstock from which it is made. Africa is not short of gas. Nigeria, Algeria, Egypt, Mozambique, Tunisia, Senegal and others sit on the feedstock required to manufacture nitrogen at scale. Yet they largely do so in isolation, if at all.

Africa’s gas-producing nations need to come together around a shared continental nitrogen agenda: coordinated investment in production that prioritises African farmers, rather than focusing primarily on export markets. This could run alongside green-ammonia initiatives, building synthetic nitrogen capacity today, and cleaner pathways for tomorrow.

Resilience is not a choice between organic and synthetic, or between old and new. It is an integrated soil-health system where locally produced mineral and organic inputs are used efficiently – the balance the Africa Fertiliser and Soil Health Summit are working to strike.

To achieve resilience, governments must invest in local and regional production, strategic reserves, blending facilities, soil-health and extension services, and trade corridors that move inputs efficiently.

They must also move away from blanket subsidies in favour of targeted, digitally delivered support for smallholder farmers, most of whom are women.

The private sector should build manufacturing and blending capacity, fertiliser financing and insurance, and last-mile distribution networks. Aliko Dangote’s ambition to build the world’s largest urea platform through a $7 billion regional expansion is a sign of what African capital can do at scale. Development finance institutions can further de-risk and catalyse such investments.

An easing of the Gulf crisis is the moment to move Africa’s fertiliser agenda from emergency response to structural transformation: an affordable, climate-smart, regionally integrated and sovereign ecosystem.

The hardest time to build resilience is in shock. The best time is when markets are calm and the memory of disruption is fresh.

Africa cannot transform its food systems while hostage to global fertiliser, fuel and freight markets. This needs to be the shock we finally respond to meaningfully by building local and regional systems of our own.