cheptum

[cheptum @cheptumtoo]

@ivymuthe Kichwa maji

[Kitheka @invest_cashflow]

Using other people's money (OPM) is popular advice in the West.

In Kenya, the smartest financial move is staying out of personal debt.

Bank loans. Fuliza. Mortgages. Car loans.etc

The math is simple. Credit costs 18-30%. Average investment returns sit at 12%.

Borrow at 25%, invest at 12%, and you are not building wealth.
You are funding your bank's next branch.

Worse: most repayment structures front-load interest. You pay for years before you touch the principal.

The debt outlives the enthusiasm that started it.
Debt is not leverage here. It is a financial trap.

[Abojani Investment 🇰🇪🇺🇬🇹🇿 @TheAbojani]

The best investment before stocks, a bond, or land is the mind that knows what to do with them. Every course you take, every financial book you read, every conversation that challenges your perspective adds invisible value. Knowledge multiplies quietly. It turns uncertainty into opportunity and hesitation into strategy.

[Moe @moneyacademyKE]

Special Funds delivered the following net returns in the first half of 2026 (January–June):

— Mansa X Special Fund (KES): 10.9%
— Etica Special Multi Asset Fund: 10.5%
— Oak Special Fund (KES): 8.1%
— Kuza Momentum Special Fund: 6.2%

[Julians Amboko @AmbokoJH]

UPDATE: Kenya's 2025/26 Revenue Outturn

· Total collection stood at Kes 2.844 trillion

· This collection is a 10.57% y/y growth & a 95.55% performance rate (i.e. it missed the target by Kes 132.51 billion

· Exchequer revenue collected stood at Kes 2.568 trillion, agency collection stood at Kes 276.14 billion

· Customs remains the out-performer at 100.8% performance, collecting Kes 988.78 billion

· PAYE collected Kes 598.81 billion, registering 91.8% performance rate & growing 6.7% y/y

· Corporate Income Tax collected Kes 346.07 billion, up 14.0% y/y lifted significantly by financial services performance in the period under review

· Domestic VAT collected Kes 355.26 billion, up 8.5%. The Authority reports that the revision of the rate on petroleum product from 16.0% to 8.0% was a huge challenge in the second half

· Domestic Excise collected Kes 61.85 billion with Excise on betting registering 115.9% performance collecting Kes 16.53 billion

· Collections from the new Significant Economic Presence Tax doubled to Kes 1.61 billion

· Tax debt collection yielded Kes 144.82 billion. ADR resolved 993 cases unlocking Kes 35.06 billion

· Tax base expansion measures are reported to have yielded Kes 9.1 billion

Musings:

· We are witnessing a shift in KRA's reporting of exchequer & agency collections. It is now moving away from front-loading the tax heads & opting to front-load sectoral performance

· In my inference, the authority is seeking to place the spotlight on the need to grow the pie to ensure collection targets align with the reality on the ground

· Agency collections (99.1% performance) have, yet again, offset the softness in exchequer collections (95.2% performance)

[cheptum @cheptumtoo]

@koech235 A big win,
Need two acres there mkuu

[Lord Abraham Mutai @ItsMutai]

Tribal migomos

[cheptum @cheptumtoo]

@MoSalah The legendary status in you is extraordinary,
You're our hero champ,

[Mohamed Salah @MoSalah]

I have witnessed this club go from doubters to believers, and from believers to champions. It took hard work and I always did everything I could to help the club get there. Nothing makes me prouder than that.

Us crumbling to yet another defeat this season was very painful and not what our fans deserve. I want to see Liverpool go back to being the heavy metal attacking team that opponents fear and back to being a team that wins trophies. That is the football I know how to play and that is the identity that needs to be recovered and kept for good. It cannot be negotiable and everyone that joins this club should adapt to it.

Winning some games here and there is not what Liverpool should be about. All teams win games.

Liverpool will always be a club that means a great deal to me and to my family. I want to see it succeed for long after I have moved on.

As I’ve always said, qualifying to next season’s Champions League is the bare minimum and I will do everything I can to make that happen.

[cheptum @cheptumtoo]

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