Monetary policy

The Pension Trade: How Kenya's Retirement Money Became a Government Bond Fund

“Of every shilling Kenyans set aside for retirement, more than fifty cents now sits in government paper. The pension industry has stopped being an investment system and started being a financing system.”

The Bank Always Wins: 34 Years of Kenya's Interest Rate Data

“For 34 years, across crises, policy reversals, and economic cycles, Kenyan banks have maintained a lending-deposit spread averaging 9.51 percentage points. The institution has always been the winner.”

The World Still Drinks Kenya's Tea, But Its Fastest-Growing Export Is Flowers

26 years of Kenya's principal export data (1998–2025) reveal a structural shift: horticulture is overtaking tea, and the export mix is quietly changing.

Kenya and Uganda: East Africa's Closest Trade Siblings

If Uganda shut its doors, Kenya's exports would fall by close to 40%. 28 years of export data reveal a dramatic structural pivot away from Europe toward East Africa.

Which Month Do Kenyans in the Diaspora Send the Most Money Home?

It's not February, despite Valentine's Day. 15 years of diaspora remittance data reveal December dominance, a COVID shift that never reversed, and a North American corridor worth $2.9B annually.

Kenya's Debt is More Than Numbers — Here's What 26 Years of Data Shows

Kenya's debt has grown 22.9× in 26 years. But the real danger isn't the size — it's the structure. Costs, currency risk, and a narrowing revenue base make Kenya's debt position far more precarious than the headline ratio suggests.