Co-operative Bank, through its subsidiary, Co-op Consultancy & Insurance Agency on Thursday concluded its Annual National Co-operatives workshop where CEOs from across the country deliberated key issues concerning the industry.

The workshop themed Co-operatives Tomorrow: Technology and Innovation for Sustainable and Inclusive Development was presided over by the PS State Department for Co-operative Development, Mr. Ali Noor Ismail, who in his keynote speech highlighted the importance of leveraging technology in Co-operatives to spur innovation.

Speaking at the workshop, Mr. Noor Ismail explained that co-operatives are operating smarter today than they did in the past due to the adoption of technology.

“With adoption of technology in Co-operatives, we have seen new types of products introduced that meet more specific needs of members, improve liquidity in Saccos and even yield better margins for Co-operatives,” he stated.

Co-op Bank Director, Co-operatives Division, Mr. Vincent Marangu (left) with Mr. Noor Ismail, Principal Secretary State Department for Co-operative Development

The three-day workshop focused on engaging the CEOs on how to revolutionize their societies and operate within the competitive business environment with the constantly changing market dynamics. The bank’s subsidiary Co-op Consultancy’s main role is to enhance the institutional capacities of co-operative societies, who are the core stakeholders of the bank.

Speaking at the workshop, Coop Bank Director Co-operatives Division, Mr. Vincent Marangu stated that the bank facilitates such workshops every year to create an environment where co-operatives can  deliberate, share learnings and build each other.

“We understand that organizations are faced with numerous institutional challenges which they must address in order to attain their goals in the dynamic business environment in the country,” he said.

This year’s workshop covered a wide range of topics such as building technological capabilities in Co-operatives which will help the participants think strategically about technology beyond adoption and managing the associated risks. It had a panel discussion focusing on three key areas, building capacity in terms of strategy, governance and security.

It also covered demystifying digital transformation in Co-operatives; many Co-operatives have carried out system changes and adopted new technologies but they are not fully digital. The session gave a breakdown what digital transformation is and demonstrate what the Co-operatives need to do to achieve it. They also covered management and expansion of the Agricultural value chain, this session challenged the participants to think further on what they can do to expand their value chain and introduce new alternatives to their existing business models.

The Co-operatives CEOs  also covered managing technology partnership, leadership and coaching and the Impact of the Proceeds of Crime and Anti Money Laundering Act (PoCAMLA) to bring on board Deposit-taking SACCOs into mandatory reporting of large transactions in respect to prevention of money laundering and combating the financing of terrorism.

This workshop is one of several trainings offered to Co-operatives by Co-operative Bank, through Co-op Consultancy & Insurance Agency, to help them in capacity building, development and growth.

The vibrant and dynamic co-operative movement in Kenya is a key player in the economy, controlling about over 40 per cent of Kenya’s gross domestic product (GDP).

The Co-operative Societies in Kenya employs more than 500,000 people, besides providing opportunities for self-employment to many more. Savings and credit societies (SACCOs), the fastest growing sub-sector in the movement, controls over 30 percent of national savings.

Co-operative House, Headquarters of the Co-operative Bank of Kenya

Co-operative Bank, through its MSME offering, has taken customers to Shanghai and Yiwu in China for a business networking trip. The trip will enable customers to create linkages for overseas business and build partnership opportunities as well as purchase various items at a highly discounted costs which will enable them to pass the discounts to their customers making their products competitive.

Also read: Isuzu East Africa & Co-operative Bank announce ‘daily repayment’ asset finance scheme

The customers, drawn from across the country, will tour China, specifically Shanghai and Yiwu. In Shanghai, they will visit one of the world’s busiest shopping streets, Nanjing and in Yiwu, they will visit Futian Market which is the biggest hub in China for all kinds of products. It is divided into 5 districts, each with various sections selling specific products. In this trip, the customers will get to meet suppliers of electric appliances, electronics, hardware tools & fittings, telcom equipment, vehicles and many others.

They will further visit markets for office supplies, sports equipment, stationery, cosmetics, beauty/salon equipment, fashion accessories, beddings, curtains, fabrics, auto & motorcycle accessories, hair ornament & jewellery, festival arts and decorative arts.

Speaking about the business trip, Coop Bank Head of Business Banking, Mr Moses Gitau said it will be instrumental to all the business customers who will travel as they will create linkages for overseas business and partnership opportunities.

Co-operative Bank's Arthur Muchangi and Moses Gitau

Co-operative Bank’s Arthur Muchangi and Moses Gitau

“From our engagement with various business customers, we know that their business needs go beyond finance; they also need exposure and networking opportunities with business practitioners, in Kenya and beyond the border especially in successful countries like China,” he stated.

Later this year, in October, the bank will organize another business networking trip to Guangzhou for the 126th Canton Fair. This is the largest trade fair in China with the largest assortment of products, largest attendance and with the largest number of deals made at a fair. It is a unique experience where participants get to mix business with leisure. This trip is open for all business customers looking to travel to China for business.

Also Read: Co-op Bank will finance and help you import your dream car, here’s how

Co-operative Bank recently revamped its MSME offering and now has an arm in the bank which deals specifically with non-financial services for its MSME business banking customers. The bank retooled and refreshed the product offering to make it more responsive to the needs of MSMEs. They have made available a substantial kitty of Ksh. 15.2 billion for a package of loans that include an unsecured business loan, a first of its kind in Kenya, E-Credit through our MCo-op Cash App where businesses are able to borrow up to Ksh. 2 million via their mobile phone, packaged insurance cover which are handpicked and specifically negotiated to suit various segments under MSME, revised and pre-approved limits on overdrafts and loans.

The loans will be supported by trade services that include Letters of Credit, guarantees, supply chain financing, among others. These services are available at all Cooperative Bank branches across the country. The vision for this revamped MSME offering from Coop Bank is to grow world class entrepreneurs beyond the Kenyan borders.

Cooperative Bank Group MD Gideon Muriuki (right) and Chairman Stanley Muchiri

Co-operative Bank has formed a joint partnership with World Navi Co. Ltd, a leading Japanese exporter of used units to Africa and Europe, launching a financing scheme to enable Kenyans to import second-hand cars.

Co-op Bank’s Moses Gitau with World Navi Co. Ltd Managing Director Yoshifumi Sawada during the signing of the deal

The partnership guarantees a 100pc safe and reliable vehicle importation including three months warranty on the engine & transmission, accident free & genuine mileage certificates and zero risk of stolen parts or non-performance.

In line with the Bank’s efforts to build a strong offering, this service will help customers to import quality second-hand vehicles at affordable prices through a secure platform from key source markets in Japan, UK and Thailand as well as secure up to 80% financing for the purchase.

With this service, the Bank will also finance approved motor vehicle dealers to enable them to import vehicles on behalf of their customers.

Co-op Bank’s Moses Gitau with World Navi Co. Ltd Managing Director Yoshifumi Sawada during the signing of the deal

Speaking during the agreement signing with World Navi at a Nairobi Hotel on Friday, the Head of Business Banking at Co-operative Bank, Mr Moses Gitau said the partnership creates a end-to end solution for people to import quality second hand vehicles at affordable prices.

“Majority of Kenyans depend on the import second-hand vehicle market to own a car but one of the prevailing issues plaguing the public is the anxiety of finding a reliable agent who will ensure they get what they are paying for,” he stated

Speaking at the same event, World Navi Co. Ltd Managing Director, Mr Yoshifumi Sawada said the partnership intends to meet the local market’s needs on used vehicles which will reach out to the majority of the market areas across the entire country through its 150 branches.

“Our company is offering its 20 years’ experience in the business of exporting used cars globally with the assurance of every customer receiving high quality cars through the unique: 3 months warranty on engine and transmission which no other exporters can offer,” he said.

The service is open to both Co-op Bank customers and non-customers wishing to import vehicles using either their own funds or looking to be financed by the bank.

For customers purchasing the vehicle using their own funds, they would identify the car on the World Navi’s website, place the order then receive a general pro-forma invoice.

The customer will then deposit the whole amount into an internal account with the bank, where it will be held until the car is shipped and delivered to them.

Co-op Bank’s Moses Gitau shakes hands with World Navi Co. Ltd Managing Director Yoshifumi Sawada after signing the deal

Customers seeking financing from the Bank to buy the vehicles, would follow the same process in identifying and ordering the car, however on receipt of the general pro-forma invoice they would start the loan application process with the bank.

Once approved, the customer will receive an indicative offer letter and would then proceed to deposit their own contribution (at least 20%) into an internal account and the Bank will cover the rest, enabling the import agent to ship and deliver the vehicle.

The vehicle purchase will be handled wholly by World Navi; they will purchase the vehicle on behalf of the customer, carry out quality checks and ship the car to Kenya.

The documents will be consigned to the bank, who will release them to the clearing agent to facilitate clearing and registration following which the vehicle is delivered to the customer. Once the customer receives the vehicle they will execute a delivery note confirming receipt. The minimum car purchase amount is Ksh. 500,000/-.

Co-operative Bank firmly believes that forming partnerships that benefit the customer is key to success. Before providing a financial solution, Co-op Bank will ensure that they weigh the business need and the prevailing market situation versus the opportunity and customers needs. This ensures that the partnership deal meets the customer needs and keeps up with the ever changing market.


Ghetto life can be rough. Many young people who grow up in Kenyan slums are forced to turn to crime to make ends meet. More often than not, this does not end well for them and their families.

A Kenyan Catholic priest known as Father John Webootsa of St. John’s Parish in Korogocho knew this too well and this explains why he set out to change the ‘ghetto narrative’ in 2008.

The 38-year-old cleric was keen on improving the living conditions slum dwellers so much so that he asked Elizabeth Njoroge to teach young people music at a community centre in Korogocho.

This community project is what became the Ghetto Classics. With time, the centre was able to acquire instruments which have helping underprivileged children from various parts of Nairobi.

In 2013, Kenya’s leading mobile service provider, Safaricom, through its CEO Bob Collymore, asked Elizabeth to form the Safaricom Youth Orchestra.

Safaricom CEO Bob Collymore with Ghetto Classics

In 2014, the teleco started the Safaricom Jazz Festival and donated all proceeds from ticket sales to the program.

Since then, Ghetto Classic has received approximately Ksh 60 million from Safaricom. These funds cater for music training, schooling and basic needs of over 650 children from different slums in Kenya.

The beneficiaries of this program have acquired skills that have given them hope and opened a world of possibilities.

Ghetto Classics

Apart from performing before the likes of Pope Francis and President Uhuru Kenyatta, these young boys and girls have also shared stages with music greats like Branford Marsalis, Kirk Whalum, Salif Keïta, Marcus Miller, just to name a few.

On Wednesday May 1, 2019, Ghetto Classics will have another opportunity to perform alongside two music legends i.e. two-time Grammy awards winner Paco Sery (Ivory Coast) and Cheick Tidiane Seck (Mali) who will be the headlining acts in this year’s edition of Safaricom International Jazz Festival.

Paco Sery

The event, which will be held at Carnivore Grounds from 12 noon, will also feature performances from Mandla Mlangeni and the Tune Creation Committee (South Africa), Sylwester Ostrowski and The Jazz Brigade ft. Freddie Hendrix (Poland and USA).

Kenya will be represented by Nairobi Horns Project, Shamsi Music, Jacob and Kavutha Asiyo, Kato and The Change Band.

Safaricom Jazz Festival

Safaricom Jazz Festival

Tickets go for only Ksh. 2000 (adults) and Ksh. 500 (students). You can get your passes at select Safaricom shops, at the gate or by dialling 1511.

What’s more is that regular tickets are now down to Ksh. 1500 on

Get yours and turn out in large numbers to support these young boys and girls from Ghetto Classics as they showcase the skills that they have acquired over the years. This way, you’ll be part of their story. #SafaricomJazz

Below is a video of Ghetto Classics performing alongside Nairobi Horns Project.

We all have something in mind that we dream of getting for ourselves or for someone else. Maybe you want to get yourself a new laptop, take a course, go on vacation with your significant other, upgrade your TV, move into a posh estate, the list is endless.

With such big goals in mind, it’s very important to have a good savings plan that helps you track how much you are putting away and shows you how close you are to achieving your goal. If you don’t have one, you might never realize your dream.

Kenya’s leading mobile service provider, Safaricom, understands that saving is a hard task for many people and that’s why they developed the M-Shwari 52-Week Challenge to help you double your savings which will in turn help you to achieve your dream.

The idea behind it is to deposit some money into your M-Shwari account every, week from the 1st week of January to the last week of December. The amount that you put away increases by Ksh 50 every week. For instance, if you save Ksh 50 this week, you’ll save Ksh 100 next week, Ksh 150 the week after that and so on.

If you are disciplined and adhere to the savings schedule, you’ll have Ksh 68,900 or more at the end of the year which will help you to buy what you wanted or go on a much-needed holiday after a long year of hard work.

You must be wondering what to do if you just learnt of this challenge which implies that you did not start saving from the first week of January. No need to worry. What I love most about the 52-week challenge is that it’s never too late to start.

Look at it like this, we are in the last week of April, which is the 16th week of the year. If you didn’t start saving at the beginning of the year, you can put away Ksh 6,800 at the end of the week so as to compensate for the weeks that you didn’t save. Next week you can save Ksh 850 then you can put away Ksh 900 the week after that and so on.

But then again, you can decide to be more aggressive. For instance, say you’ve had a good week and you have some extra money. You can decide that you’ll save Ksh 200 more so that you can have more money at the end of the year.

The best part about the M-Shwari 52-week challenge is that it has weekly reminder that will remind you how much you are supposed to save in a certain week. It also has percentage indicators that will show you how far you are from achieving your goal. This makes it easier to track your savings.

You can also save in reverse which means that you start with the difficult weeks as you work your way to the easier weeks. You can also choose to automate the service and enjoy your peace of mind while working towards your goal.

All deposits on M-Shwari will earn an interest rate of 7% per annum if you don’t touch your savings which means that you’ll have more money at the end of the year.

Follow the steps below to lock your savings account for the M-Shwari 52 week saving challenge:

Go to M-PESA on My Safaricom App or from your sim tool kit, select Loans and Savings, select M-Shwari, select Lock Savings Account, select Open Lock Account, Set your target at min Ksh. 68,900 or more, set period at 12 months, set your account to save from M-PESA or M-Shwari.

The Easter is break finally here and with it, a majority of Kenyans are set to enjoy a four day break from their usual busy schedules. So, the question is: how are you planning to spend the holiday?

Maybe you are going on a trip out of town with your significant other, maybe you are travelling upcountry to spend time with your relatives, maybe you’ll treat yourself to a sumptuous meal at your favourite eatery and call it a day.

However you choose to spend your Easter holiday, rest assured that you can access your funds at Co-operative Bank and transact wherever you are and at whatever time you feel like.

Co-operative Bank

You have a wide range of options at your disposal. This is so as to ensure that you continue to enjoy uninterrupted services and have stress-free holiday.

Let’s take a look at some of the services that you’ll continue to enjoy during the Easter period and how each of them can come in handy wherever you will find yourself during this festive period.

1. Co-operative Bank Card – If you are travelling out of town or out of the country, don’t forget to carry your Co-op Visa Card because it will help you in so many ways.

With the card, you can pay for goods and services at merchants who accept Visa cards, you can even pay at fuel stations.
What’s more is that you will transact at no extra cost. You’ll just bear the costs of the items that you are purchasing or the services that you are getting.

While using your Visa Card, it’s important to remember that you should not share your PIN with anyone, write it down anywhere and keep your card safe.

2. Co-op Kwa Jirani Agents – Co-operative Bank ATMs are all over the country. However, let’s say you are facing challenges accessing an ATM machine, this is something that should not give you a reason to worry. You can still access a number of services and transact through the Co-op Kwa Jirani Agents which are open 7 days a week, including public holidays.

Some of the services that are available at Co-op Kwa Jirani Agents include; withdrawing and depositing money, transferring money to another account, paying fees and utility bills checking your balance. You can even access a mini statement which will help you track your expenses.

Co-operative Bank

3. MCo-op Cash Services – This can be accessed by downloading the MCo-op Cash app from Google Play Store or the iOS App Store. You can also dial *667# on your phone.

Some of the services you can access include; loan facilities, withdrawing cash, bank transfers, paying utility bills and what have you.

As you enjoy your Easter Holiday remember that the services that are offered by Co-operative Bank will still be accessible through this period. You can access them using any of the three options above.

The last few rounds of any football tournament are all about the momentum. Things get intense as each side seeks to emerge the victors and earn bragging rights.

This is the same case with Chapa Dimba na Safaricom. Teams are definitely putting up an impressive performance as the national finals, which will be played in Meru on 8th and 9th June nears.

The sixth leg of the competition will be played at Thika Stadium on April 13th and 14th. The region’s finest football teams will clash, with each team seeking to be crowned the best.
Euronuts from Kiambu will take on Irigiro boys from Maragua while Laikipia’s Lufa Graduates will face Tetu Boys from Nyeri in the boy’s semis.

Changamwe Ladies receive their rewards during the Safaricom Chapa Dimba Coast region finals

Barcelona from Laikipia will play Dynamos from Kirinyaga as JYSA from Thika take on defending champions Limuru Starlets from Kiambu in the girl’s category.

Last weekend, the coastal chapter of the tournament was held at Bomu Stadium where Shimanzi Youth and Changamwe Ladies were crowned the region’s finest football teams and booked for themselves slots at the national final which will be played on 8th and 9th June at Kinoru Stadium.

Other teams that have already secured places in the national finals are; Ahly and Kitale Queens from Rift Valley, Bishop Njenga Girls and Lugari Blue Saints from Western, Manyatta Boys and Ndhiwa Queens from Nyanza.

Al Ahly players celebrate after winning Chapa Dimba Na Safaricom Coast region finals

The national winner for both the girls’ and boys’ teams will each get KSh 1 million, while the runners up will pocket KSh 500,000.
The regional winner for both the girls’ and boys’ teams will pocket KSh 200,000, while the runners up will take home KSh 100,000. The best player, top scorer and best keeper will each pocket KSh 30,000.

Two boy best players and two girl best players from each region will also be selected to form an all-star team that will be sponsored on a 10-day trip to Spain where they will play La Liga academies and access world-class training facilities.

Turnout in large numbers and cheer your favourite teams at Thika Stadium this weekend. You can also follow the conversation on social media #ChapaDimbaNaSafaricom.

Two years after it opened its doors to the public, Two Rivers Mall continues to reign as the leading shopping mall not only in Kenya but the East African region as well.

Hundreds of thousands of visitors have walked through the mall’s gates not for any other reason but because it offers unique services that meets the needs of its customers.

Apart from being home to more than 150 international and local brands, Two Rivers Mall has gone the extra mile by offering services that will give you even more reason to set foot in the complex.

Let’s take a look at some of the reasons that makes Two Rivers Mall a cut above the rest:

1. Unique event grounds – Two Rivers Mall has large grounds which can accommodate any kind of event, be it a wedding, a concert, cocktail parties, product launches, and so much more.

The grounds are not only equipped with modern facilities; it also boasts of breath-taking sceneries to ensure that each moment will be a great memory to keep.

What’s even more is that the grounds are available for free for couples planning to hold a wedding. Can it get any better than this? For more details, call 0709 190511.

2. Amazing discounts – More than 100 stores within the mall are currently offering discounts of up to 70%. This simply means that this is the best time to buy that thing that you have been dreaming of getting because you’ll save so much money.

Taj Gems is offering a discount of up to 20% on gold jewellery. Villeroy & Bosch has a discount of 30% on all their items, Bosch Power Tools has a discount of 10%, Ashley Furniture have 40% off on selected items.

Various brands like Alladin, Sensation, Miniso, Carrefour, Madora have discounts on selected items throughout the year. As such, you should always be on the look out for a good deal.
(To insert a photo of one of the major stores at Two Rivers Mall)

3. Lifestyle City – There are so many activities that you can indulge in when you visit Two Rivers Mall.

The Ferris Wheel, named the Eye of Kenya, was recently launched at the mall. The wheel has 40 rotating capsules with each able to hold 6 passengers. As it rotates, visitors can catch stunning and unobstructed views of both Kiambu and Nairobi city.

Apart from the Ferris Wheel, the mall also has a Skate Park for skateboard enthusiast to practice their skill.

You can have a good time with the whole family at Magic Planet or at the Funscapes Themepark. If you prefer a chilled evening, you can enjoy a spectacular performance from the dancing fountains at Two Rivers Mall as you dine in one of the 25 restaurants that overlook the riverfront.

This is #TwoGoodToBeTrue. Now you have more than enough reason to set foot at Two Rivers Mall.

Sometimes, your employer may fail to credit your salary into your account in time. This forces you to look for other ways of paying the rent, utility bills, monthly repayments and what have you.

Gone are the days when people would panic because of delayed salaries. It’s no longer a cause for alarm thanks to Co-operative Bank’s MCo-op Cash Salary Loan.

You can go about your business and take care of what you need to without having to worry about when your salary will be paid into your account. It gives you some peace of mind.

What is the MCo-op Cash Salary Loan? What are the terms, and how can you access it? Well, let me explain. MCo-op Cash Salary Loan is a service by Co-operative Bank that allows customers to access loans of up to Ksh 200,000 – a maximum of 1.5 times of one’s net salary.

The loan is repayable in one month or you can spread it over three months and pay a small bit each month, depending on what works for you. This way, you can sort a few bills and live a stress-free life as you wait for your salary to check in.

You can access the MCo-op Cash Salary loan by following these 4 simple steps:

1. Dial *667# and enter your PIN (or open the MCo-op Cash app and enter your PIN)

2. Select “Loans” on the main menu an then select “Apply Loan” and then you pick the type of loan that you want for example “Business Loan”.

3. Enter the amount that you would like to borrow and confirm the transaction by pressing “Ok”

4. Accept the MCo-op Cash terms and conditions to complete your application.

You’ll receive a text informing you that your request has been received. After a short while, you’ll receive another message confirming that your loan application was successful and the amount that you requested for has been deposited into your account.

Yes, it’s that simple. What’s even more is that the loans have a one-off fee of 8% of the amount that you have borrowed.

You can also access the service by downloading the MCo-op Cash app from Google Play Store or the iOS App Store. Next time you find yourself in a tight financial spot, you know where to turn.

It goes without saying that final of a football tournament is the most exciting part. Nothing beats the feeling of seeing the best teams going up against each other. It’s quite an experience!

The same case applies to Chapa Dimba, a tournament that was started by Safaricom with the aim of transforming the lives of boys and girls, aged between 16 and 20, by giving them a chance to earn from something that they are passionate about – football.

Kitale Queens celebrate after winning the girls’ regional finals (Rift Valley)

1600 teams all over the country registered for the competition. This number has been whittled down at every stage as we draw closer to the national finals which will be played on 8th and 9th June at Kinoru Stadium.

The tournament is currently in the regional finals stage. At this stage, 8 teams, 4 girls’ teams and 4 boys’ teams, take on each other for a chance represent the region in the national finals and walk away with a large sum of money.

The regional finals began in Western where Blue Saints and Bishop Njenga Girls, both from Lugari, were crowned winners. It then moved to Nyanza where Manyatta Boys and Ndhiwa Queens emerged the best of the best in the region.

It then went to Eastern where Supersolico from Mwingi and St Mary’s Ndovea from Makueni secured a chance to represent the region in the finals. Rift Valley was next where Al-Ahly and Kitale Queens secured a chance to represent the region in the finals.

After Western, Nyanza, Eastern and Rift Valley, all roads lead to Bomu Stadium in Changamwe on April 6th and 7th for the Coast regional finals.

The boys’ semis will see Mombasa’s Shimanzi Youth play Kaloleni United while Kilifi’s Matsangaoni boys will take on Maweni United from Malindi. The girls’ semis will have Changamwe Ladies from Mombasa face Kwale Starlets as Matsangaoni Ladies from Kilifi play Malindi’s Solwogidi.

The winner for both the girls’ and boys’ teams will pocket KSh. 200,000, while the runners up will take home KSh. 100,000. The best player, top scorer and best keeper will each pocket KSh. 30,000.

After the Coast, Chapa Dimba will head to Nairobi, Central, North Eastern before culminating in Meru where the where the national winner for both the girls’ and boys’ teams will each get KSh 1 million, while the runners up will pocket KSh. 500,000.

Two boy best players and two girl best players from each region will also be selected to form an all-star team that will be sponsored on a 10-day trip to Spain where they will play La Liga academies and access world-class training facilities.

Turn out in large numbers and support your favourite teams at Bomu Stadium this weekend. You can also follow the conversation on social media #ChapaDimbaNaSafaricom.

Watch the video below and see how Chapa Dimba has transformed Brian Lumumba’s life.

Wednesday 27th March 2019, Nairobi: Leading local vehicle assembler Isuzu East Africa (Isuzu EA) and Co-operative Bank of Kenya, have today announced a daily repayment asset finance partnership that seeks to address financial challenges faced by customers who reconcile their profits and losses daily.

The partnership, which is the first ever in Kenya, offers customers an option to repay their loans on a daily basis and is expected to take away the anxiety of an expected huge amount payment required at the end of the month, making it of the easiest and most affordable way to own Isuzu pickups and trucks.

Speaking on this development, Isuzu EA Managing Director Rita Kavashe noted that this program provides an opportunity for daily reconciliation customers to invest and grow their businesses.

“Our decision to partner with Coop Bank was informed by their business DNA, dealing with our customer base, the SMEs, their deep understanding of customer cash generation; and experience with SME customers’ business cycles. Today, we are happy to announce to a partnership that will see SMEs enjoy a raft of benefits,” said Rita.

“We strongly believe that this partnership will enable SMEs grow their business without affecting their cash flow,” added Rita.
Co-operative Bank Director for Retail & Business Banking, Mr. Arthur Muchangi emphasized the need for SMEs to take this opportunity to re-tool and renew their motor vehicle fleet at very affordable terms.

“Our message to customers is simple; if you desire to purchase an Isuzu bus, an Isuzu truck or a pick-up such as the famous D-Max, this is the best time. Through this partnership between Isuzu and Co-op Bank, customers will get up to 95% financing to purchase the vehicle of their choice, and in addition be given a whole two months to use the vehicle before they begin repaying the loan. This will give customers space to generate cash to service the loan, which is to be repaid over an extended period of five years every day. For those Isuzu customers who also wish to boost the working capital of their business, we are providing an additional loan of Ksh 300,000 to be repaid in 12 months,” said Mr. Muchangi.

Mr. Muchangi added that the offer comes with a most reasonably-priced comprehensive insurance package priced at 4.75% of vehicle value (that includes Political Violence & Terrorism). In addition, Insurance Premium Finance is available to allow customers pay insurance premiums in easy instalments.

Isuzu EA Managing Director Rita Kavashe noted that the partnership with Co-op Bank was crucial, adding that Isuzu EA aims to make it easier for SMEs to access financing for their Isuzu products that SMEs strongly rely on to build, grow and sustain their businesses.

“Last year, we ran a series of ground activations to understand customer needs and expectations. And we took note of a group of customers that have a different business operation system that runs on a daily reconciliation system. We therefore took it upon ourselves to develop an innovative partnership that will benefit them and enable them to grow their business exponentially. For example, with 95% financing and 60 months repayment period, the daily repayment for an Isuzu D-Max pick-up is only Ksh 2,577,” explained Rita.

This new and innovative partnership is targeted to help farm produce traders at Marikiti, meat traders from Burma market, hardware store owners, mitumba traders, upholstery traders from Kamukunji and Gikomba market areas.
In the partnership, Isuzu customers are set to enjoy Ksh 300,000 working capital to empower their business payable in 12 months, a 60-day repayment holiday that will allow SMEs to generate monthly instalments, the lowest market negotiation fee of one per cent and the longest re-payment period of 60 months in the market.

When you are in a tight financial spot, you can feel like you are drowning. You struggle to clear your child’s school fees and before the end of the day, you receive a text from your internet service provider that bill is due. When you get home, you are plunged into darkness because you forgot to buy electricity tokens.

When you look at the calendar, it dawns on you that pay day is still far away so you are forced to cut down costs. Soon enough, you realize that cutting expenses won’t work, you need things like electricity to get around, so you decide to reach out to some friends to bail you out.

Unfortunately, your friends inform you that their hands are tied so they can’t help you even if they wanted to. When you are on the verge of giving up, you remember the MCo-op Cash salary loan adverts that you have been seeing on TV and social media.

You decide to give it a try since you’ve heard so many good things about the MCo-op Cash app. It exceeds your expectations when you use it for the first time. After using it for a while, you can attest that it’s the best first resort when your money is that tight because of many reasons including;

1. High loan limit – the MCo-op cash salary loan allows you to apply for up to KSh. 200,000 i.e. you can access 1.5 times of your net salary. For example, if your net salary is KSh. 30,000, you can apply for up to KSh. 45,000. The higher your salary, the higher the loan limit.

2. Flexible repayment schedule – you can pay the loan at once in one instalment or spread it over three months and pay a small part of it every month. i.e. if you owe 45,000, you can pay it in 3 monthly instalments of KSh. 15,000.

3. Low interest rate – the loan has a one-off fee of 8% of the amount that you have requested for. The interest is deducted from the loan before the money is deposited into your MCo-op cash account.

4. Instant crediting to your account – when your loan is approved it’s deposited into your MCo-op cash account instantly. This means that you can access the funds immediately and get rid of the expense that has been bugging you.

5. It’s hassle-free – all you need to do is to register for MCo-op Cash, which is free of charge, and link your salary account at the branch that is closest to you. After this, you are all set to apply for a loan. You don’t need approvals from your employer or guarantors.

The next time you find yourself in a tight spot,  remember MCo-op Cash salary loan has your back. You can access the service dialling *667# on your phone or downloading the app from Google Play Store or the iOS App Store.

Co-operative Bank has kicked-off a countrywide campaign of engaging Micro, Small & Medium-sized Enterprises (MSMEs) in the counties, beginning with Nakuru County. The forums focus on training and equipping business clients with the skills and strategies to grow their businesses in the changing operating environment in the economy.

These forums are part of the US$150 million (Sh15.2 Billion) partnership program between Co-op Bank and the International Finance Corporation (IFC) launched in mid-2018 to provide Affordable Financing and Business Training to Kenyan MSMEs.

In partnership with IFC, Co-op Bank has expended substantial resources on customer engagement and research work to understand the dynamics of this critical business segment. The MSMEs are the bedrock of wealth creation in Kenya as they account for over 90 per cent of Kenya’s private sector, employing over 15 million Kenyans in both the 1.7 million registered and 7 million unregistered businesses.

Simon Mungai of Rivanas Supermarket Nakuru (centre) with Ms. Loise Ngugi of Gold Front Ltd (left) and Moses Gitau, Head of Business Banking at Co-op Bank at Co-op Bank’s SME Customer Engagement Forum at Sarova Woodlands Nakuru on Friday 8 March 2019.

Speaking during the Nakuru County MSME Customer Networking Forum at the Sarova Woodlands, Nakuru today, the Head of Business Banking at Cooperative Bank, Mr Moses Gitau said,

“In 2017 the Bank decided to revamp our MSME offering, ensuring we are flexible to meet the ever changing business needs. We have made available the Sh15.2 billion kitty for a package of loans that include an unsecured business loan, a first of its kind in Kenya, E-Credit through our MCo-opCash App where businesses are able to borrow up to Ksh. 2 million via their mobile phone, packaged insurance cover which are handpicked and specifically negotiated to suit various segments under MSME, revised and pre-approved limits on overdrafts and loans. The loans will be supported by trade services that include Letters of Credit, guarantees, supply chain financing, among others.”

Speaking on key learnings from his entrepreneurship journey, David Kahura of Lanet Flour Mills said,

“There is need for business people to have a hands-on approach to their business, training is key; always seek to better yourself, know how the industry works, understand government regulations especially the ever changing quality requirements and most importantly get a good financial partner who can walk the journey with you, one who understands your needs.”

Following the networking forum, Ms Loise Ngugi of Gold Front Ltd, one of the panellists said,

“My experience on the ground aligns with trends shared by the bank; the under-40 customers are the ones who control the market and as entrepreneurs we need to keep up with the trends.”

The Customer Networking Forums are a key part of Co-op Bank’s MSME program as it is widely acknowledged that MSMEs need the insights and training on economic matters that have a direct bearing on their business, and which they have little or no control over.

The forums will be held across the country, and feature a detailed presentation by the bank economist on the opportunities in and out of the country that MSMEs can tap into and the ways the bank is working to enable customers to seize them. This is followed by a panel discussion with bank representatives and successful entrepreneurs, concluding with a networking session.

In line with the Bank’s efforts to build a strong offering for the MSMEs and their customers in general, Co-operative Bank recently launched a partnership with Isuzu East Africa Ltd that offers an affordable means of purchasing Isuzu vehicles that are very popular with MSMEs. Through the partnership, customers will get upto 95% financing to purchase the vehicle of their choice, and be allowed a whole two months to use the vehicle before they begin repaying the loan. This will give customers the space to generate cash to service the loan, which is to be repaid over an extended period of five years.

For those Isuzu customers who also wish to boost the working capital of their business, an additional loan of Ksh 300,000 to be repaid in 12 months will be provided. A comprehensive insurance package priced at 4.75% of vehicle value (that includes Political Violence & Terrorism) and Insurance Premium Finance is also available to allow customers pay insurance premiums in easy instalments.

To effectively engage this target the bank has trained its staff at the branches to identify the different needs customers have and correctly match them to relevant financial solutions. The vision for the Bank’s MSME offering is to grow world-class entrepreneurs beyond the Kenyan borders.

Football is the most popular sport in Kenya, as is the case in many parts of the world. Maybe this is because it requires fewer resources compared to other sports.

Perhaps this might also explain why boys and girls across the country start playing football at a very young age. For some, it’s a hobby while others are keen on harnessing their skills and playing in the world’s biggest leagues such as Spain’s La Liga.

Most young boys and girls are keen on becoming the next big deal, drawing inspiration from the likes of Victor Wanyama, Divock Origi and McDonald Mariga. However, they are often forced to abandon their dreams midway because of one reason or the other.

A young player might dream of representing Kenya at foreign competitions but there’s no one to single them out of a crowd. So, after waiting to be noticed for many years, they give up.

Seeing how dire the situation was, Safaricom unveiled Chapa Dimba as a way of giving back to Kenyans, who have always been a part of their story since the firm was established in 1997.

Safaricom’s Chief Customer Officer Sylvia Mulinge kicks a ball at the Nyanza regional finals of Chapa Dimba on February 10

Through the tournament, the telecom giant aims to transform the lives of boys and girls, aged between 16 and 20, by giving them a chance to earn from something they are very passionate about – football.

Safaricom also seeks to develop football at the grass root level, propel gifted players to the national teams which translates to give hope to young boys and girls.

Chapa Dimba has five stages; Group Stage 1, Group Stage 2, Round of 16, Regional Finals and National Finals. Both boys and girls participate at every stage of the competition.

Nyanza and Western already wrapped up the regional stages of the competition and are training ahead of the national finals to be held in Meru in June.

Western region’s Bishop Njenga Girls and Lugari Blue Saints as well as Manyatta Boys and Ndhiwa Queens from Nyanza won their respective regional finals and secured slot in the national finals.

After Nyanza and Western, all roads lead to Kitui Showground on March 9th and 10th for the Chapa Dimba Eastern region finals where 8 teams, 4 girls’ teams and 4 boys’ teams, will go up against each other for a chance represent the region in the national finals.

The boys’ semis will see Isiolo Young Stars play Triumph boys from Embu while Mwingi’s Super Solico will take on Samba boys from Moyale. The girls’ semis will have Karugwa Queens from Meru Central face Chuka Starlets from Meru South as Marsabit’s Sakuu Queens meet St. Mary’s Ndovea from Makueni.

The winner for both the girls’ and boys’ teams will pocket KSh. 200,000, while the runners up will take home KSh. 100,000. The best player, top scorer and best keeper will each pocket KSh. 30,000.

After Eastern, Chapa Dimba will head to Rift Valley, Coast, Central, North Eastern, Nairobi and culminate in Meru where the national winner for both the girls’ and boys’ teams will each get KSh 1 million, while the runners up will pocket KSh. 500,000.

Two boy best players and two girl best players from each region will also be selected to form an all-star team that will be sponsored on a 10-day trip to Spain where they will play La Liga academies and access world-class training facilities.

Turn out in large numbers and support your favourite teams at Kitui Showground this weekend. You can also follow the conversation on social media #ChapaDimbaNaSafaricom.

Watch the video below and see how Chapa Dimba has transformed Brian Lumumba’s life.


I’ve been using Airtel for a while now and believe you me, it has been a good journey! In as much as the network is not foolproof, I’ve never really had a reason to complain since all my telecommunication needs are met.

Over the years, I’ve given my friends and family members several reasons why they should join the most reliable network, Airtel. Those who heeded to my call have never looked back so today, I’m going to try and prevail upon you to join the bandwagon by listing down 8 reasons why you should switch to Airtel for good:

1. Best rates for voice, data and texts – one of the many things I love about Airtel is that the prices for data, texts and bundles are pocket friendly – you get so much more at a good bargain.

Airtel to Airtel calls are free on the Tubonge tarrif while calling other networks is only KSh. 2.3!

What’s even more is that they have combo bundles. This basically means that you can buy an all-in-one package that comes with data, voice and texts.

Dial *544#, select (3) UnlimiNET and then choose your preferred bundle.

2. Free WhatsApp – what amazes me about Airtel’s free WhatsApp offer is that it does not eat into your bundles. You can download all those ‘large’ videos that you get on WhatsApp groups without having to worry about exhausting your data. The free WhatsApp offer is considered as a separate package.

3. No ghost subscription – I’m sure most of you have experienced the annoying texts messages from services or subscriptions that you don’t remember opting in to. Well, at Airtel you will never experience such; all subscriptions have to be done by the individual.

4. After call-balance notifications – after you call someone using your Airtel line, you’ll get pop up message telling you how much you’ve spent, the duration of the call and your balance. This helps in keeping track of your usage and balance call after call.

5. Introduction of super-fast 4G – nothing beats the feeling of enjoying the same speeds when you travel out of town. Airtel has expanded its 4G coverage sites to over 40 new towns across the country including Kisumu, Nyeri, Meru, Nakuru, Bungoma, Lamu and Garissa among others. This means that you can enjoy instant uploads and express downloads from over 40 towns.

What’s even more is that you get 2GB free data when you upgrade your line to 4G!

6. Excellent customer service – when you call Airtel’s customer care line or seek assistance on their Twitter or Facebook pages, they get back to you and resolve the issue within a very short time. This is so as to ensure a seamless user experience.

7. Efficient automation – whenever you subscribe to an auto-renewal service, your package will be renewed before expiry, this saves you the hassle of having to key in the USSD codes all the time.

8. Airtel’s Kopa Credo – you may be familiar with those instances when you need airtime the most to make that urgent call but failed unfortunately because you lacked enough airtime on your phone. Not only are such moments really disappointing, but are also traumatizing to some extent.

This is where Airtel’s Kopa Credo service comes in handy. It allows you to access airtime during such moments when you need to talk to someone yet your phone is out of units.

Does it get any better than this? What are you waiting for? #SwitchToAirtel and #GetWhatYouPayFor.

#FungaDukaChallenge is the latest craze sweeping across social media.

Kenyan women have resolved that they are ‘closing the shop’ i.e. denying their partners sex and, as expected, this has not gone down well with many men who love to test their bedroom prowesses every now and then.

It all started when a woman named Carol took to social media to expose her college boyfriend for his philandering ways.

In a self-recorded video, the beautiful lass revealed how her boyfriend how the man, Michael, and his friends have been sleeping with up to six women in a day.

She had been in the dark about all this until one day when someone called her ‘dame was kichinjio’, which loosely translates to ‘girl from the slaughterhouse’.

Caro declared that she will no longer have sex with Michael until he gets tested for Sexually Transmitted Infections (STIs) and proves that he is not part of the sexcapade gang.

Days later, Huddah Monroe came across the the ‘dame was kichinjio’ video on social media and asked Caro to reach out to her so that she can show her what to do to ‘cheating boys’. Caro slid into her DM and the two of them had a lengthy discussion.

In an unlikely move, the socialite said she will remain celibate for the rest of the year and urged other women to follow suit.

According to Huddah, her decision was mainly driven by the need to hold men accountable for the actions. She explained that it was time to change the narrative since men have treated women like badly for a long time.

Her post drew mixed reactions from social media users, while most women vowed to heed her advice, most men dismissed her.

Among those who weren’t too pleased is showbiz badboy Shaffie Weru. The radio host posted a video on his Instagram page on Monday asking the ladies to close their shops if they want to.

He revealed that the boychild has too many options at their disposal, including the Samantha sex doll, and won’t be affected even one bit Kenyan ladies execute their threats.

Although Huddah is yet to respond to Shaffie, the exchange of words between the two has caused a buzz on social media. Whose side are you on between the two? Are you #TeamShaffie or #TeamHuddah? Leave a comment below.

Follow the conversation online on #FungaDukaChallenge.

When Two Rivers Mall opened its doors to the public on February 14 2017, it was touted as a game changer since it was the largest shopping mall in East and Central Africa.

The 65,000 square metre facility, which sits on 11 of an 102-acre property on Limuru Road, received approximately 10,000 visitors every day in its first two weeks.

However, this influx did not really come as a surprise since the complex is home to more than 150 international and local brands.

In the last two years, Two Rivers Mall, which is  owned by Centum Investments, has warded off competition by offering unique services that meets the needs of its customers.

It has attracted millions of visitors thanks to its premium facilities for retail, entertainment and lifestyle, modern parks, residential apartments, restaurants, hotels and other public amenities.

The mall, which celebrated its second birthday a few days ago, is now on course to redefine family outings thanks to its newest addition; a Ferris Wheel.

The 60-metre high wheel, which is the first of its kind in East and Central Africa, was launched by President Uhuru Kenyatta on Thursday, February 28.

Dubbed the Eye of Kenya, the wheel has 40 rotating capsules with each able to hold 6 passengers. As it rotates, visitors can catch stunning and unobstructed views of both Kiambu and Nairobi city.

What’s even more is that each ride takes about 17 minutes, giving passengers sufficient time to capture memories and take snaps of the city’s beautiful skyline.

If you have been looking for new and exciting places to go on a date with bae or thinking of new ways to treat that dear family member or friend then this is definitely for you. Head to Two Rivers Mall this weekend and enjoy the experience of a lifetime.

Charges is only KSh. 500 per person and the wheel can be accessed between 9am and 7pm.

But that’s not all, the mall’s management has also invested in state-of- the-art security facilities to ensure that you don’t have to worry about you safety when you are enjoying your time. Does it get any better than this?


Safaricom has made tremendous progress since it was established in 1997. From a paltry customer base of 17,000 subscribers, the mobile operator has grown in leaps and bounds to a staggering 29 million users today.

The firm, which started off as a subsidiary of Telkom Kenya, is today the biggest communication company in East and Central Africa with an annual revenue in excess of KSh. 230 billion.

However, it’s worth noting that Safaricom was able to accomplish these huge milestones thanks to you and I – their loyal customers. Our continued support over the years has kept the firm going.

It’s for this very reason that the telecom giant unveiled a campaign dubbed Nawe Kila Wakati to reinforce its commitment to its customers when it celebrated its 18th anniversary in October 2018.

Nawe Kila Wakati is a promise from Safaricom that it will continue to enable its customers to communicate, socialize and do business using their network, by making services more affordable.

As part of this guarantee, the firm has now embarked on a new customer promotion campaign dubbed Shukrani Kocho Kocho Kenya Nzima.

As the name suggests, Safaricom is keen on appreciating its customers from all over the country for being part of the firm’s remarkable journey.

The 12-week promotion, which was launched on February 20th, seeks to reward more than 5 million Safaricom customers with over KSh. 340 million in cash prizes and airtime.

Safaricom's Chief Customer Officer Sylvia Mulinge

Safaricom’s Chief Customer Officer Sylvia Mulinge

Safaricom’s Chief Customer Officer Sylvia Mulinge explained that the firm was keen on boosting customer loyalty through Shukrani Kocho Kocho Kenya Nzima – which is its biggest promotion yet.

“The campaign seeks to celebrate and reward more than 29 million customers for their continued loyalty. It further reiterates our commitment to provide our customers with relevant products and offers in line with our promise of ‘Nawe Kila Wakati’,” she stated.

When the curtains fall on the promotion, there will be almost 100 new millionaires across the country courtesy of Safaricom.

One customer from each of the 47 counties will walk away with KSh. 1 million in the grand finale. The firm also will hold weekly draws based on regions where 8 lucky winners from each region will each pocket KSh. 1 million every week. The regional draws will run for 6 weeks.

Other regional winners will pocket consolation cash prizes of KSh. 10,000, KSh. 5,000, KSh. 1,000, KSh. 500 and KSh. 200.

Customers also stand a chance to win daily airtime of KSh. 200, KSh. 100, KSh. 100 and KSh. 20.

At the end of the promotion, on May 25, 2019, Safaricom will award the national grand winner of Shukrani Kocho Kocho Kenya Nzima with KSh. 18 million and 47 winners from each county a million each.

To participate, customers will earn 10 entries for every top up of KSh. 20 topped up and 1 entry for every KSh. 20 transacted on M-PESA.

Qualifying transactions include; sending money, receiving money from a business, transfers from a financial institution to M-PESA, and all Lipa Na M-PESA transactions.

The more the entries, the higher your odds of winning. Customers can check their entries by dialling *456*0#.

What are you waiting for? Top up and transact on M-PESA as many times as you can. Who knows? You could be the next millionaire!

Valentine’s Day is upon us! While some people will go out of their way to surprise their loved ones with grandiose gifts, others will make do with simple gestures such as boat rides at Uhuru Park and call it a day. After all, it’s the thought that counts right?

Even if you are not the romantic type, you might find yourself in an awkward situation if you don’t do something unique to show your partner that you appreciate the role that he/she plays in your life.

Truth is, no one, whether they are in a relationship or not, is ready to face the fact that they didn’t cross someone’s mind on Valentine’s Day, especially in this day and age when all you have to do is log into social media to see how your peers were dining in 5-star hotels, vacationing, jetsetting and what have you.

Planning is vital if you want to see to it that what you had thought of as the perfect surprise for your significant other comes to life.

Another important aspect is one’s financial resources. Let’s face it, of what good is a plan when you are penniless?

More often than not, you will face one of these financial hurdles; it’s either you have no money at all or you need a small top up on the amount that you already have.

That is where MCo-op Cash comes in, to give you that timely financial boost that you really need, or else you would have to lie about a non-existent out-of-town trip or fake your kidnapping at worst, because, who’s ready to face their significant other and inform them that they did not plan anything? Definitely not me.

You can get an instant loan at friendly interest rates on the MCo-op Cash app and relieve yourself from the unnecessary pressure that comes with Valentine’s Day.

To access the loan facility, you need to be a Co-op Bank customer and install the MCo-op Cash application from Google Play Store or the iOS App Store.

After signing up, you can borrow from KSh. 1000 to a maximum of KSh. 200,000. For businesses, the maximum limit is KSh 500,000.

The ball is now on your court, treat your bae to a surprise that they will remember for a lifetime this Valentine’s Day!