The spotlight on betting companies is not dimming just yet. This is due to a drawn out dispute with the Kenyan Government on the revision of taxes due and owed. As such the government is yet to renew business licenses on most betting companies.

However, a lucky pack of 7 firms have managed to have their business licenses renewed. This is the list of companies that have secured the elusive green light to operate:

  • BetLion
  • MCheza
  • Kwikbet
  • OdiBets
  • Gamemania
  • Betpalace
  • Betika

The Kenya Government has zeroed in on the industry with reports of most firms failing to prove that they were tax compliant as required by the Betting Control and Licensing Board (BCLB). Subsequently, a multi-agency team was constituted to probe the betting and gaming companies.

Nigeria's Chukwueze

Nigeria’s Chukwueze

The most damning of the findings of the Board during the vetting is that the companies made a cumulative amount of Ksh.204 billion last year, but paid a partly Ksh. 4 billion in taxes. The crackdown on the firms also brings a threat to their senior non-Kenyan managers – who risks possible deportation.

The Co-operative Bank of Kenya together with leading leasing company Super Group of South Africa have reiterated their commitment to deepen the partnership in the local leasing business, through the joint venture firm owned by the two institutions named Co-op Bank Fleet Africa Leasing Limited.

(L-R) The Chairman, Co-operative Bank John Murugu, Fleet Global Chief Operating Officer Super Group, Philip Smith and Group Managing Director and CEO Co-operative Bank Dr. Gideon Muriuki sign-off the joint venture strategic partnership arrangement in leasing business, witnessed by Company Secretary Co-operative Bank Samuel Kibugi (standing).

(L-R) The Chairman, Co-operative Bank John Murugu, Fleet Global Chief Operating Officer Super Group, Philip Smith and Group Managing Director and CEO Co-operative Bank Dr. Gideon Muriuki sign-off the joint venture strategic partnership arrangement in leasing business, witnessed by Company Secretary Co-operative Bank Samuel Kibugi (standing).

The strategic partnership between Co-op Bank and Super Group is intended at penetrating and growing a modern leasing business aiming at market leadership, securing long-term partnerships and joint ventures to sustainably support growth, building on world-class competencies in the supply chain, fleet management, and dealerships, and providing customers with innovative leasing solutions.

Co-op Bank Fleet Africa Leasing Limited, known in short as ‘’Co-op Bank Fleet’’ has within a short time since its establishment moved to stamp its presence in the leasing space, is a joint venture of two major players who bring to the table complementary capabilities in leasing.

Super Group of South Africa delivers its proven expertise in customer screening, product structuring, and risk management as Co-op Bank makes available it’s excellent client base to whom leasing is critical such as SMEs, Co-operatives and the Public Sector.

A truck branded with Supergroup logo

A truck branded with Supergroup logo

“Co-op Bank Fleet’’ already got off to a roaring start by concluding its first leasing deal worth over Ksh890 million in January of this year. This maiden transaction, which is part of a larger Ksh2.2 billion deal, entails the financing and delivery of a fleet of 125 vehicles to the Ministry of Interior.

Also read: 5 reasons why the MCo-op Cash app is the best first resort when you’re in a tight financial spot

The Co-operative Bank was the financier, with Co-op Bank Fleet arranging the leasing in collaboration with motor vehicle dealers Isuzu East Africa Limited who are to deliver the fleet made up of trucks, pickups, and buses.

“Super Group Limited is an established global leader in leasing business operating in three continents and is listed on the Johannesburg and Sydney stock exchanges. This partnership between Co-op Bank and Super Group continues to deliver mutual benefits as it taps the synergies created by the joint venture,” said Co-operative Bank Group Managing Director and CEO Dr. Gideon Muriuki.

Co-op Bank CEO Gideon Muriuki

Co-op Bank CEO Gideon Muriuki

“Co-op Bank Fleet enables the bank to better support customers to acquire the assets, technologies, and equipment they require at the same time enable the bank to diversify its income streams,” added Dr. Muriuki adding that Co-op Bank Fleet enables the bank to better support customers to acquire the assets, technologies, and equipment they require at the same time enable the bank to diversify its income streams.

Picky Picky Ponkie…..

Well, that works perfectly in the art of sharing toys, and polishes infantile cheating, but falls bottom first in soccer prediction. I give up on that.

M-Bet Kenya happens.

Divock Origi in action

Divock Origi in action

I decide to join up. It’s easy. I don’t have a smart phone, but joining up is easy. I just Sms ‘M-BET’ to 79888, and get an instant free bet with a 50 bob deposit. A free bet, I intend to upgrade, though. If I had a smartphone, I would just have logged in via the M-Bet website, or downloaded the safe, faster and secure M-Bet App.

It’s a walk in the park downloading the premium M-Bet App

A bare minimum betting low-limit of just 25 bob appeals to me, plus the best odds in Kenya. That’s realistic. I ain’t breaking no bank. I have pampers to buy. To spice things up, M-Bet is awarding its customers with the official 2019 Harambee Stars jerseys this AFCON season, all you have to do is play 3 tickets today and you could be a winner.

It’s pretty easy to remember the deposit process details, too. The Safaricom or Airtel Money paybill number 298888 rolls off the tongue, and sticks in the mind. I intend to do a lot of deposits. Hell, no. I’ll be doing lots of withdrawals because winning is all I do. And, that easy, too.

So much for Picky Picky Ponkie….

I guess I shall overcome teething problems, and I’ll season out in this art. I shall play the PERFECT 12 Daily Jackpot, pretty simple, too. There is a list of 12 games plus 5 reserve games from different soccer competitions going on at the time – World Cup Women, Euro Cup Under 21, AFCON 2019 Kenya Premier League, EPL, Bundesliga, La Liga etc.

The trick is accurately predicting the outcome of all 12 games. Plus the outcome of the 5 reserve games, selecting 1, X or 2. That means Home Win, Draw or Away win. Well, there’s a puzzle. Why do I need to predict the outcome of the 5 reserve games?

Well, turns out the reserve matches aren’t initially considered, unless a game in the main list is cancelled. Lots of reasons may cause this cancellation – bad weather, for instance. Rowdy fans, we’ve seen this not only in Kenya but worldwide and such interruptions – like invading the pitch.

Things people do for love. Love for ‘Okombe’.

If only one game is cancelled, the first game in the reserve group is considered. If a second game is cancelled, the next team is considered. And so on, in sequence – 3rd, 4th, and 5th. It’s highly improbable to have such many cancellations, but, well, this is a little like having friends.

Ain’t it said its better to have a friend and not need one, than need one and not have one?

The PERFECT 12 jackpot win goes to the winner correctly predicting all the 12 games, but in the event that the gods are taking a nap and I manage 9, 10 or 11 games, I’ll still win huge bonuses. Perhaps, I’ll have to share the gigantic dummy cheque – and with a few others, the prize is equally distributed.

Well, a chauffeured Limo ride. Red carpet treatment. The photo shoot. That’s still a lot to smile about.

My crew is a skeptic lot when I introduced M-Bet to them, and did a mini-panel.

Maish: I don’t have a smartphone, boss.

I say: It’s easy. You can use M-Bet prime USSD, just dial *798# on your kabambe.

Ng’ang’a: My village has little internet coverage.Si kila mtu anaishi mtaani.

Oh, this guy Ng’ang’a runs a kiosk. He often threatens to close it, when we disrespect our debts.

I say: Use the USSD number. Dial *798# – doesn’t need internet. Just normal coverage. Next?

Tonie: Life’s hard, bro. How much money do I need?

I say: M-Bet is pocket-friendly, and has a low minimum figure at just 25/- bob only.Hio ni Samosa tu!

Tonie likes freebies, so I remember to tell of the instant Free Bet with the first 50/- deposit.

Tonie: Really? Niko ndani mbaya. Una load aje hio deposit?

I say: Just go to M-Pesa or Airtel Money M-Bet’s Paybill number is 298888, and on account, fill ‘Deposit’. Itaingia.

Kenya's Victor Wanyama

Kenya’s Victor Wanyama

I take leave from this noisy bunch. I want to Play the Perfect 12 Daily Jackpot.

When, not if, I win The Super Prize, I may buy a ride, perhaps German. I may remember you from our ‘walking’ days and give you a ride. If that happens, don’t go shouting greetings to everyone from the window – I hear that burns more fuel.





Wakanda Lounge

Five months after its launch, Club Wakanda is a place you would not want to miss going to.

Club Wakanda is a high end lounge that has seen many of the Kenyan Celebrities being part of.It is located in Westlands at Krishna Centre on the First floor along Woodvale.

The club is said to be owned by one of Nairobi’s flashiest businessmen.

This is the place where the sons and daughters of  Billionaires and  Millionaires of this country go to. Lately it is the busiest club in the city.

If you are looking for a  classy, Swanky, sleek and luxurious place to be for a night out, then Club Wakanda is the place to be. Why?

This is because,party and Fun lovers that have been to this place can a test that this club is not your everyday kind of club.

Don’t get me wrong , Club Wakanda boasts of  the best experience when it comes to fun and party.

Inside the lounge, it has latest state of the art sound system, blinding flashing lights crowned with royal ambiance.

Further the   DJ booth is breathtaking, colorful indoor decor and a mind blowing set up.

They host guest artists and celebrities in their events.On a daily basis it is happy hour for Cocktails, where you buy one and get one free.


The also have masquerade parties.


After its launch early this year, it was evident that this club ‘Itasumbua sana”-would be the talk of town.

In Wakanda they have hosted top celebrities with the likes of the OG hilselg Khaligraph Jones, Gabu -Mr Bugubgu,Mc and Radio Host Jalang’oo among others.

Recently  once Gospel artist now Bwana Mkunaji, Willy Paul was hosted there during a Masquarade Party.

Trust Willy Paul he was caught on Camera grinding on his female fan.I think hapo ndio alihamia secular officially. Mmmmhhh!!!

This to tell you the kind of fun you will have at Wakanda Lounge.

You would not want to miss out on your celebrities who constantly visit this place for a fun filled entertainment.

To feed you eyes and interest these are some of the pictures from Club Wakanda. Let’s turn up for more pomp and fun.




Naivasha is one of the towns with the most fascinating clubs in Kenya. Its nightlife is quite something. Most people have no qualms travelling long distances just to have a feel of what it is like to party in Vasha.

Bonfires in Club Bubbles Naivasha

One of the entertainment joints that really stand out in Naviasha is Club Bubbles which is located along the Off Nakuru-Mai-Mahiu Highway. Most people agree that it’s the best spot for a night hang out in the whole town.

Apart from hosting the biggest parties, Bubbles is also known its bikini car wash which occurs on Sundays and glow in the dark parties that go down on Thursdays.

Club Bubbles dance floor

You can enjoy karaoke on Wednesdays; you can also be part of Tuesday in Paris with Kenya’s finest Dj Crème de la crème.

In addition, this Saturday the 15th of June 2019, Bubbles is launching the biggest Lights party ever held in Kenya. Yes is said the biggest!

There is a massive parking, you do not need to worry. Bubbles serve you drinks and food at a very affordable price. If you are so much in to dancing, the space is enough. Also, the best Dj’s in Kenya are found in this house, the music is boom.

Club Bubbles is a perfect destination for you and your team this weekend.

Twende Lights party.








Co-operative Bank of Kenya has partnered with leading digital money transfer company WorldRemit to enable digital money transfers to over 6 million Co-operative Bank accounts and 150 new cash pickup locations nationwide.

Using the WorldRemit app or website, Kenyans living in over 50 diaspora countries can now send money directly to their loved ones personal Co-op Bank accounts in over 150 branches. The transfers can be made directly from the senders mobile phones, and the receiver can withdraw the funds from a nearby Co-op Bank Agent, ATM or Branch.

Co-operative Bank Retail and Business Banking Division Director Arthur Muchangi (left) and Head of Business Banking Moses Gitau

Co-operative Bank Retail and Business Banking Division Director Arthur Muchangi (left) and Head of Business Banking Moses Gitau

WorldRemit saves customers time and money, enabling them to send funds home in a few taps from their phones without having to visit a bricks and mortar agent. Customers sending to Kenya can choose from a variety of convenient pay-out options including bank transfer, cash pickup, mobile money and mobile airtime top up.

Over 3 million Kenyans live abroad, with top senders to the country including the United Kingdom, the United States, and Australia. The World Bank estimates that in 2018 the Kenyan diaspora sent $2.7 billion in remittances, now the countrys top foreign exchange earner exceeding tea, coffee, and tourism.

Many Kenyans in the diaspora support family and relatives here at home to fund basic needs including education, food, housing and access to healthcare. According to recent WorldRemit research based on national household survey data, Kenyans abroad contribute over $300 million to childrens education nationally. Receiving remittances halves a Kenyan childs chances of being out of school.

Mr. Arthur Muchangi, Director Retail Banking at Co-operative Bank of Kenya confirmed the banks commitment to support remittances.

“As a bank that handles some of the largest volumes of remittances to Kenya, Co-op Bank will continue to invest in partnerships that provide Kenyans in the diaspora with the most affordable and secure means of transferring their funds home for domestic support, savings and investment.

“Co-operative Bank has a dedicated Diaspora Banking Center that is available 24/7 to serve diaspora clients irrespective of time zones, the first of its kind in Kenya,” he explained.

Sharon Kinyanjui, Head of East and Central Africa at WorldRemit said, “Kenyans around the world make WorldRemit their top choice when it comes to sending money home.

“We are delighted to partner with Co-operative Bank of Kenya, a trusted household name with strong ties to the diaspora and a shared commitment to financial inclusion, to further expand our network in the country and make our convenient service accessible to all.”

Visit the WorldRemit or Co-operative Bank websites for more information on how to send money to Kenya.

Co-operative Bank CEO/Managing Director Gideon Muriuki

Every time the AFCON tournament comes around, it invokes powerful nostalgic memories of my late Grandpa.

Ok, hold up. I am telling this story all wrong.

The football bug bit me around 2002. I was then a strapping lad in between 12 and 13. I wasn’t particularly fond of soccer, then, as I had found a more pleasing engagement drafting cramped, erotic love notes to a geeky girl I had befriended next door. Plus, village soccer then was brutal and unforgiving. It’s a mystery how players in my village weren’t maimed for life.

They didn’t know shin guards, and bone would crash against bone. A lad would limp for a few yards and be good for it. Hit a hidden rock in the elephant grass pitch and lose a toe nail, well, another will grow. And it didn’t help that I was always in my only favorite pair of North Star shoes I had inherited from my elder brother.

I couldn’t risk wearing those out – I couldn’t tell when he would outgrow his current size. Shoes were hard to come by. It’s not like you’d just log in on Android and get a Flexi-Loan from Co-Op Bank to grab another pair. No, you had to please the gods first. Times were hard.

I was branded a village wuss, and no village team captain would give me a call to his team. I had to find solace in my poetic love notes.

I couldn’t help catching the bug, though, from my grandpa. The old man was absolutely nuts about football. Dear old Grandpa was a sultry 60-ish then, still had his wits and energies around him. He would shed the cloak of age faster than Bolt would shatter the world record. Everything else stood still when a game came on – didn’t matter the media it came on. Radio was perfectly fine with him, too.

Victor Wanyama, background, Messi

Victor Wanyama, background, Messi

It’s important to remember, too, that 2002 was the year Grandpa spent a night locked up in a cold cell at the local Police Station. If I ever chance upon retired football star El Hadji Diouf, the Senegalese dribbling maestro, I’ll tell him that it’s his fault that my old man spent a night in police custody.

All for the love of soccer.

So, Grandpa calls me up and asks if I would like to watch a match with him. He didn’t own a TV set, and neither did anyone in the village. We would have to trek to the market center to watch it at The Hotel. It didn’t have a name, even. Everyone knew The Hotel. It boasted a 14’ Black and White Calcum TV in a wooden cage above the counter.

The CAF, as it was then called, was hosted in Mali, and Cameroon eventually took the trophy. But we weren’t there for no Cameroon. Grandpa was a Nigeria die hard fan. Indeed, he had weathered the entire tournament listening in on his little elastic-bound transistor radio, but for the Nigerian fixtures. He would grab one of his grand kids and treat him at The Hotel.

This year’s AFCON tournament in Egypt is expected to be an easy cruise for Nigeria in the Group Stages. Grandpa must be boiling with joy, on the inside. Not jump and down, hello, he’s in heaven. You supposed to be cool. I expect he shall be watching it live – through the clouds, no less – as his team trounces entire Group B featuring Madagascar, Guinea and Burundi.

Cameroon, Winners 2017 AFCON

Cameroon, Winners 2017 AFCON

The Hotel is packed tight, and people not in the financial bracket to afford cups of tea had to line up against the wall. The wooden benches, that’s VIP. Keep to your lanes, gentlemen.

We get a seat somewhere on the VVIP, that’s the front bench. It has the who’s who in the village circles. The village Chaplain. The Sub-Chief. A guy studying something at The University of Nairobi – perhaps, I should pay him tribute as the ‘only’ guy in campus, then. That was huge.

Well, the game started. It was the Knock Out Stages, and Nigeria was facing Senegal in the Semis. I kept stealing glances at the tiny TV on the counter. Forgive me, but most of my attention had been taken by the glass display below the TV. It was chock full of neatly arranged Mandazi and round balls we fondly called Kaimati.

I had a gentleman’s arrangement with Grandpa. I get both delicacies at alternate times, all I had to do was point at the glass display when I finish one, and the good lady brings me another. It was an All-You-Can-Eat fiesta. A buffet of sorts.

As the game progressed, lots of things started to rise. Ok, besides my tummy, that is. General agitation, for instance, and the previously soft spoken Chaplain could be heard at halftime apologizing profusely to someone he had insulted.

Egypt's talisman, Mo Salah

Egypt’s talisman, Mo Salah

At half time, the teams had a barren draw. I noticed Grandpa getting restless and sitting on the edge of the bench. That didn’t look or feel good. Bad things happen when Grandpa lost his cool – he had a reputation. He had lots of player names rolling off the tip of his tongue.

“Sunday Oliseh, kwani ulikula nini leo babaa, ama umelipwa?”

“Kanu, what’s the hell with you today, man?”

“Who the hell substitutes Jay Jay Okocha?”

I later learnt Jay Jay Okocha had been at the peak of his career.

I didn’t give much thought to a match happening hundreds of miles away. I had my own goals to score at the glass display.

At the half time mark, the teams had reached a stubborn 1:1 draw.

Grandpa stands up, fishes a fist of coins from his leather jacket pocket and hands them to the hotel lady, who’s left counting them. She ain’t sure my tally would be included in that fist of coins. I was winning by a large margin.

Fast forward to 2019. If I were treating my son to a Semi Final match in the coming AFCON football bonanza in Egypt, I would probably have swiped my Co-Op Visa Card. I would have won a trip for two to Egypt to watch the final match live, but I don’t know if I would have tagged along my son, Zack, though he could have won through his Jumbo Junior Account. Thank heavens for Visa.

Man, I’d give anything to be there for our motherland, Kenya. In the group stages, we up against Senegal, Algeria and immediate neighbor, Tanzania, in Group C. I’d expect us to cruise to the Knock Out Stages, at the very least. The host country, Egypt, who has the highest tally of AFCON trophies since its inception, is up in Group A, against Uganda, Zimbabwe and DR Congo. Will Egypt up its trophy tally to 8?

But its 2002, still, and I have to watch my Grandpa – who has since left his VVIP spot on the front bench and stood on edge near the door.

The 103rd minute, Senegal’s Diouf scores the winning goal. Not that we would know, then, that that would be the winning goal, because a mug of tea had crashed on the tiny TV shattering the screen in a bright ball of fire.

Yes, that’s the day Grandpa came to spend the night in a cold police cell. He had thrown his mug in rage and crashed the only TV in the Market Centre.

El Hadji Diouf, you owe me.

Co-operative Bank Group has registered a pre-tax profit of Ksh. 5.1 billion for the first quarter of 2019 compared to Ksh. 4.9 billion recorded in the first quarter of 2018.

This is a steady growth of 4.4 per cent against the backdrop of a challenging economic environment in the period. Profit after tax was Ksh 3.6 billion compared to Ksh 3.4 billion in the previous year.

The group continues to leverage on the benefits of the “Soaring Eagle” Transformation Agenda that has re-tooled and equipped the business with added competitive edge as reflected in the sustained growth in market share across all market segments and Counties; which has progressively deepened the Financial Inclusion model rooted in the over 15 million-member co-operative movement, that is the face of Kenya.

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

The total non-interest income increased by 19.1 per cent from Ksh. 3.5 billion to Ksh. 4.2 billion with interest income from government securities increasing by 39.6 per cent from Ksh. 2.0 billion to Ksh. 2.8 billion.

The operating income grew by 1.7 per cent from Ksh. 10.9 billion to Ksh. 11.1 billion while total operating expenditure decreased by 1.2 per cent from Ksh. 6.1 billion to Ksh. 6.0 billion as a result of prudent cost management strategy and enhanced efficiency.

Assets grew by Ksh. 27.9 Billion (+7 per cent) to Ksh. 425.7 billion compared to Ksh. 397.8 billion in the same period last year.

Net loans and advances book remained relative stable at Ksh. 251.6 billion.

Investment in government securities grew by Ksh 29.0 billion (+38.6 per cent) to Ksh. 103.9 billion compared to Ksh. 75.0 billion in first quarter of 2018.

Customers’ deposits grew by 7.4 per cent from Ksh. 295.9 billion to Ksh. 317.8 billion.

Borrowed funds from development partners grew by Ksh. 3.1 billion (+14.9 per cent) to Ksh. 23.7 billion compared to Ksh. 20.7 billion in the same period the previous year.

Shareholders’ funds grew from Ksh. 67.9 billion to Ksh. 72.8 billion.

The bank closed the quarter with a sound capital base, with adjusted total capital against total risk-weighted assets standing at 16.5 per cent, which is 2.0 per cent above the statutory minimum of 14.5 per cent.

Also read: 5 reasons why the MCo-op Cash app is the best first resort when you’re in a tight financial spot

Through its multi-channel strategy, the Bank has successfully moved 88 per cent of all customer transactions to alternative delivery channels that include self-service kiosks in 155 branches, an expanded 24-hour contact centre, mobile banking, 585 ATMs, internet and over 11,600 Co-op Kwa Jirani banking agents.

A successful universal banking model and the implementation of sales force effectiveness has seen the Group serve 8.2 million account-holders across all sectors.

Key focus on digital banking, with the all-telco Mco-op Cash mobile wallet continuing to play a pivotal role in the growth of non-funded income with over 4.3 million customers registered and 1.2 million loans worth over Ksh. 5.1 billion disbursed as at the close of Q1 2019.

Over 26,800 customers have taken up the rolled out MSME packages that Co-op Bank launched in 2018 and 1600 have been trained on business management and planning.

The bank has earmarked Ksh. 15.2 billion for MSME lending and to date we have disbursed Ksh. 3.2 billion under the program.

These include 24,167 mobile unsecured business e-loans and 450 supply-chain loans disbursed in Q1 2019 alone.

Co-op Bank’s unique model of retail banking services through Sacco FOSAs has enabled it to provide wholesale financial services to over 464 FOSA outlets, and issue over 1 million Sacco-Link cards.

Co-operative Bank of South Sudan that is a unique Joint Venture (JV) partnership with Government of South Sudan (Co-op Bank 51 per cent and GOSS 49 per cent) made a profit before tax of Ksh. 1.7 million in Q1 2019, which was 28.7 per cent higher than Ksh. 32.4 million posted in 2018.

Co-op Bank Foundation has also provided scholarships for gifted but needy students from all regions of Kenya. The sponsorship includes; fully-paid secondary education, full fees for university education, internships and career openings for beneficiaries.

The foundation is fully funded by the bank and has so far supported 7,689 students since the inception of the program.

Co-op Bank Headquarters

Co-op Bank Headquarters

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.

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.

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!