Gitenge Joshua

Niko tu

[Gitenge Joshua @GitengeJoshua_]

For the love of our country. Siku zote tutee nchi yetu. @Kibet_bull

[Gitenge Joshua @GitengeJoshua_]

Argentina player's operate like they are in the military

[Giando Africa @GiandoAfrica]

Kenya's Microfinance Act, 2006 is being repealed in its entirety.

The Microfinance Bill, 2026 is not an amendment but a complete rebuild. And when you sit with both documents side by side, the shift in philosophy is striking.

The 2006 Act was built on trust. It set the framework and left the detail to CBK guidelines. Boards were governed by prudential guidance. Consumer protection lived in policy documents. Capital floors were administratively prescribed. The regulator inspected periodically and moved on.

The 2026 Bill is built on accountability.

Here is what has fundamentally changed:

Governance moves from guidelines into statute. Board composition, director duties, reporting obligations and insider lending controls are no longer CBK guidance. They are law. Non-compliance is no longer a guideline breach. It is a criminal offence.

The induplum rule arrives for the first time. Under the 2006 Act, interest on a defaulted loan kept running in accordance with the contract. The Bill caps recoverable interest at the principal outstanding at the date of default. Retroactively. This rewrites the economics of every NPL currently sitting on a microfinance balance sheet.

Permanent digital supervision replaces periodic inspection. Institutions must grant CBK secure remote online access to their IT infrastructure at all times. Not on request. Not during inspections. Always.

The regulatory perimeter expands. The Cabinet Secretary can now extend any provision of the new Act to non-deposit-taking businesses by regulation. No new Act of Parliament required. The boundary between MFB regulation and digital lending regulation just became a moving line.

Cash collateral is prohibited. Any person conducting non-deposit-taking business cannot hold a borrower's cash as a condition of lending. This catches digital lenders directly.

And KES 250 million is now a statutory capital floor. Not a guideline. Not a CBK circular. The First Schedule to the Bill.

The direction of travel is clear. Kenya is building a microfinance regulatory framework that is tighter, broader and harder to navigate around than anything that existed before.

For MFB operators, the question is not whether you will comply. It is whether you will be ready before the 90-day commencement clock runs out.

What change do you think will reshape the sector most?

#MicrofinanceBill2026 #CBK #Kenya #MFI #FinancialRegulation #DigitalCredit #Fintech #CreditRisk #ConsumerProtection

[Yoko @Kibet_bull]

Trump paused USAID when he came to power and said, “Africans should handle African problems.” I wonder why the US wants Kenya, an African country, to handle their Ebola problem.

Tafakari

[𝗞 𝗔 𝗡 𝗚 𝗘 𝗧 𝗛 𝗘™🇰🇪 @Realkangethe]

Hahaha.....

Kipindree gone wrong.

Kasongo was trying to parade camels in Garissa to follow him from the back but camels went their way 🤣🤣 Ebola bloggers won't show you this.

[Gitenge Joshua @GitengeJoshua_]

@BenjiNdolo Psg or Arsenal?

[Arsenal @Arsenal]

Standing on the brink of history.

[Gitenge Joshua @GitengeJoshua_]

Certified Premier league Winners

[Gitenge Joshua @GitengeJoshua_]

@Saddam_KE @osoroKE Yes, we like it that way

[Gitenge Joshua @GitengeJoshua_]

Put some respect on the name

[Crystal Palace F.C. @CPFC]

Arsenal are next at Selhurst 🔜

[Arsenal @Arsenal]

This belongs to all of us.

[Mohamed ELNeny @ElNennY]

I can’t describe my feelings right now… Football always gives back to those who keep believing.. To the fans who kept believing, you deserve this… Arsenal; the club that will stay in my heart forever, you deserve this… The players and everyone at the club who made it happen, you deserve this… Congratulations to the best club in the world ❤️ @Arsenal

[Arsenal @Arsenal]

The Arsenal. Your Premier League champions.

[CGTN Africa @cgtnafrica]

Kenya’s Felista Mugo makes history in African MMA

[Gitenge Joshua @GitengeJoshua_]

Làkini Arsenal, what football is this

[Kenyans.co.ke @Kenyans]

John Mbadi has seen life in exile in movies - Ruth Odinga

[Mercy Nicky @Mercynicky_]

Ladies and gentlemen he ended up cutting capitation for education and bringing a new funding that destroyed the education sector

[Gitenge Joshua @GitengeJoshua_]

@kenyasgossips Doesn't look original

[Gitenge Joshua @GitengeJoshua_]

@kilundeezy Unakaa Hamilton

[Gitenge Joshua @GitengeJoshua_]

Abuya ni mtu anaweza kunywa sumu akisema anataka ku punish ex wife.

Retard