Kipruto Titus

[Finance Historian @BoardLotSultan]

The Architect:
David Ndii is not merely an advisor;
-He is the architect of the most radical economic reset since Nyayo & NARC administration.
-If you are still betting on legacy strategies, you are already obsolete. This is The David Ndii Economic Doctrine. Buckle Up🧵1/

[Kenyan Wall Street @kenyanwalstreet]

Kenyan Commercial banks average lending rates in March 2026:

▸ Equity Bank only tier 1 bank to raise rates YoY

Cheapest to Most expensive:

● Citibank N.A. Kenya ➠ 10.80%
● Stanbic Bank Kenya ➠ 11.75%
● Standard Chartered Kenya ➠ 11.87%
● Habib AG Zurich ➠ 12.66%
● Guardian Bank ➠ 13.50%
● Bank of Baroda ➠ 13.56%
● Absa Bank Kenya ➠ 13.75%
● Consolidated Bank ➠ 14.00%
● Paramount Bank ➠ 14.01%
● Prime Bank ➠ 14.08%
● Gulf African Bank ➠ 14.09%
● Bank of India ➠ 14.13%
● Diamond Trust Bank ➠ 14.24%
● GTBank Kenya ➠ 14.24%
● Victoria Commercial Bank ➠ 14.44%
● M-Oriental Bank ➠ 14.48%
● Premier Bank ➠ 14.68%
● I&M Bank ➠ 14.81%
● Equity Bank ➠ 15.00%
● KCB Bank ➠ 15.02%
● CIB Kenya ➠ 15.09%
● Ecobank Kenya ➠ 15.22%
● NCBA Bank ➠ 15.28%
● Sidian Bank ➠ 15.37%
● Co-operative Bank ➠ 15.42%
● African Banking Corporation ➠ 15.52%
● UBA Kenya ➠ 15.67%
● National Bank of Kenya ➠ 15.72%
● Family Bank ➠ 15.92%
● Middle East Bank Kenya ➠ 16.07%
● Development Bank of Kenya ➠ 16.16%
● DIB Bank Kenya ➠ 16.40%
● HFC Limited ➠ 17.09%
● Kingdom Bank ➠ 17.43%
● SBM Bank Kenya ➠ 17.65%
● Access Bank Kenya ➠ 17.83%
● Bank of Africa Kenya ➠ 18.57%
● Credit Bank ➠ 18.87%

[Cyprian, Is Nyakundi @C_NyaKundiH]

Trade Union Scandal: BIFU Under Pressure as Members Push for Audit Following Reports of Irregular Transactions and Misuse of Funds

Serious allegations of corruption and mismanagement have been raised against the Banking Insurance and Finance Union (BIFU), with a senior official accused of engaging in fraudulent dealings at the expense of union members.

The accusations center on claims that union subscriptions and membership records have been manipulated, raising questions about financial transparency within the organization.

Concerns have also been expressed over how negotiations with financial institutions are being handled, with claims that the union's leadership has been using its position to further personal interests rather than advocate for workers' rights.

A case involving a group of workers who were allegedly denied rightful representation despite meeting the union’s membership requirements has been cited as evidence of irregularities within BIFU.

Documents indicate that the workers had paid their monthly subscriptions for six months and received official union receipts, yet their membership was later disputed.

Despite acknowledging them as members, the union failed to support them in legal proceedings, leading to suspicions of a compromised process.

These concerns have led to calls for immediate action, with demands for the Registrar of Trade Unions to intervene and for a full audit of BIFU’s financial records.

A push to involve the Kenya Revenue Authority (KRA) in scrutinizing the union’s accounts has also been initiated, as members suspect that further irregularities could be uncovered.

In response to the allegations, efforts are being made to pressure financial institutions affiliated with the union to halt deductions until accountability measures are put in place.

There are also plans to involve the media in exposing how corruption within BIFU has allegedly influenced negotiations with employers to the detriment of union members.

With further investigations underway, those raising these concerns insist that the official at the center of the claims must be removed from office, arguing that his continued stay is a threat to the integrity of the union.

"Hello Cyprian.

Kindly highlight this as there is a lot of corruption going on at BIFU without members knowing. See attached documents.

The Registrar of Trade Unions, as an oversight body to this union, seems to be sleeping on their job. Alternatively, they must have been compromised because how can such criminal atrocities be committed by a senior member of the union and be left unpunished? There have to be consequences for such actions.

This Tom Odero should have been hounded out of that union like yesterday. He is the face of corruption in BIFU and a disgrace to the union.

(1) Other than writing to the Registrar of Trade Unions for action to be taken against this person because we have overwhelming evidence to support this case, we are also going to write and request an audit. We suspect that if they can do this, then there is more that can be revealed when an audit is done. We shall also be writing to KRA to come and audit the union's records. It is going to be a busy month and year for the union's officials and all of us.

(2) We shall also be writing to Kenya Bankers Association member banks, who happen to have members in the union, to stop deductions to the union.

(3) We shall involve the media just to show members how corruption is perpetuated by BIFU and, in particular, Tom Odero whenever they go for negotiations with member banks.

(4) We are also digging deep into the affairs of the union and, in particular, Mr. Tom Odero, to shed more light on this issue.

(5) We are also going to petition members just to strengthen the direction we are taking.

We shall demonstrate how corruption is perpetuated using the GIRO case as an example, as this has overwhelming evidence to support the case.

For instance:

(1) If indeed these people were not members of BIFU, how did they end up getting BIFU receipts for six consecutive months, and how did BIFU receive their monthly subscription fee?

(2) BIFU still went ahead and acknowledged them as their members after they signed the union membership form.

Rule No. 3A of the BIFU constitution states that BIFU only represents banks, insurance companies, SACCOs, financial institutions, and others, which is well elaborated in the constitution of BIFU.

(3) 3B states that every eligible person shall be required to pay an entrance fee of Ksh... upon application for membership, which these people did.

(4) 3C states that upon admission to membership, the member shall be bound by the constitution of BIFU.

(5) 3D states that under no circumstances shall any entrance fee paid to the union be refunded.

(6) 3H states that membership shall commence on the date of acceptance of the application for membership by the NGS.

(7) Rule 5A states that a member who has been a member of the union for a period of more than six consecutive months and whose subscription is not in arrears shall be entitled to receive the benefits, which in this case includes representation in the courts of law.

(8) BIFU still went ahead and acknowledged them as their members after they signed the union membership form.

(9) This matter was concluded by way of a consent which BIFU entered with the bank and acknowledged in that consent that they were BIFU members. Why then were they issued with two different letters from Securex and the bank, having worked for the same period of time?

(10) BIFU wrote to the bank HR in regard to the check-off order.

(11) BIFU went ahead and wrote to the Ministry of Labour for conciliation.

Everything about BIFU in this matter is just shrouded in corruption, and the main culprit is none other than Mr. Thomas Odero, a.k.a. Tom Odero. It is just disgusting.

All lists have been formatted correctly as per your instructions."

[sugamummy 🏋🏾‍♀️🎀🧚🏾‍♀️ @ceraliza]

Can someone please recommend a tv series that's actually addictive, the kind that makes people stay up all night and finish season one in a sitting?

[Doc  @DocAtCDI]

The geography of a woman as she ages:

Between 18 and 22, a woman is like Africa . Half discovered, half wild, fertile and naturally Beautiful!

Between 23 and 30, a woman is like Europe. Well developed and open to trade, especially for someone of real value.

Between 31 and 35, a woman is like Spain. Very hot, relaxed and convinced of her own beauty.

Between 36 and 40, a woman is like Greece. Gently aging but still a warm and desirable place to visit.

Between 41 and 50, a woman is like Great Britain. With a glorious and all conquering past.

Between 51 and 60, a woman is like Israel. Has been through war, doesn't make the same mistakes twice, and takes care of business.

Between 61 and 70, a woman is like Canada. Self-preserving, but open to meeting new people.

After 70, she becomes Tibet. Wildly beautiful, with a mysterious past and the wisdom of the ages. An adventurous spirit and a thirst for spiritual knowledge.

THE GEOGRAPHY OF A MAN

Between 1 and 100, a man is like North Korea and Russia:

Ruled by a pair of nuts

[Hunter Ash @ArtemisConsort]

There are two kinds of poverty: absolute and relative

Elon is right that we can solve absolute poverty. In fact, we largely already have, especially in the developed world.

Relative poverty is about envy. It’s a spiritual rather than economic problem and will always be with us.

[Kipruto Titus @ttslimo13]

Form ni kujipanga! Dickson alishaset pace, YOU are NEXT, jishikie over 100 milli MJP na 10 million ya Goal Rush Now, uji-nice! PREDICT the 3 #SportPesaGoalRush Games
https://t.co/U0Vn324gqh

[Kones. @BCherich]

Today's long list of job opportunities

Some with very tight deadlines

Check out:

[Amazing @kijanayamwingii]

Between Babu Owino and Johnson Sakaja, who will you vote for in 2027?

Hon Dr. Babu Owino - Like ❤️
Johnson Sakaja - Retweet 🔄

[Kipkurui Wilbur 🇰🇪 🇬🇧 @wilber1990f]

Any Teacher (Primary or Secondary) with a degree who wants a better life should just strive to score 7.5 in IELTS and fly to Australia. No other place (currently) has opportunities for teachers than Australia.

[Yator Boss☚ @Bossyator]

I am speechless 😶 saidieni Elvis

[Ja Siaya™🇰🇪 @unsulliedwarior]

Kujeni msikie vile madem wenu wanatoa confessions about D!k sizes bila aibu buana ,lakini tulifika apa lini guys as Luos😂😂.. Utafikiria kuna competition about that hii ni drama kuliko ya Rose Njeri ama Ile ya Boniface Mwangi.
Thread 🧵

[Ja Leto @_falsi1ke]

The type of men that smash people’s girlfriend the most are the “bestie type of men”.

Don’t take her serious if she’s entertaining one.

[Juma G 🇰🇪 @jumaf3]

CNN has uncovered that in 2024, in total, Africans lost 70 million dollars in denied Visas to Europe... Like, cumulatively, people paid non-refundable amount amount worth 70 million USD and the visas were denied. CNN says the embassies are making more money in denied Visas than issued. Khabusie!

[WANGECHI @wangechikenya]

Waaah I haven’t been conned in a minute. I have been humbled.
Ksh 3500 imeenda tu hivyo 🤣

[𝒽ℯ𝓁𝒾𝓊𝓂 @waithera_jk]

business is hard my people. I watched my hard earned 2.2M evaporate in less than 24hrs and there’s nothing i could have done about it. ribena inaonja soda ash

[Palmer Luckey @PalmerLuckey]

What will happen in broader academia when clear scientific consensus is that AI-assisted education delivers better outcomes than 3.8M teachers currently do?

[Big Daddy L💿 @Colonel_edu]

Ngoni wa thuita show ya Monday pale kameme FM Atakuwa na field day 😂😂😂😂