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Recent Topicals

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Kenya Mortgage Refinance Company (KMRC) Review 2026

Mar 29, 2026

The Kenya Mortgage Refinance Company (KMRC) is a non-deposit taking, public-private partnership (PPP) firm formed by the Government of Kenya and regulated by the Central Bank of Kenya (CBK). The primary mandate of KMRC is to ensure sustainable home financing in the country, by providing long-term funds to primary mortgage lenders (PMLs) such as; banks, microfinance institutions and SACCOs at low and fixed interest rates. KMRC was incorporated in April 2018 under the Companies Act 2015, and authorized by the CBK to begin lending operations in September 2020. In 2024, KMRC had managed to disburse Kshs 14.0 bn in mortgages. As a wholesale financial institution, KMRC does not take deposits nor lend directly to individuals. This strategic approach allows KMRC to concentrate on enhancing liquidity for primary mortgage lenders (PMLs) and fostering standardized lending practices in collaboration with governmental bodies and other stakeholders. The primary aim is to empower mortgage...

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Stablecoins and Their Potential Applications in Kenya’s Digital Economy

Mar 15, 2026

Kenya has established itself as one of Africa’s leading digital finance markets, driven largely by the rapid adoption of mobile money services and fintech innovation. Platforms such as M-Pesa and Airtel Money have transformed how individuals and businesses transact, making digital payments widely accessible and significantly improving financial inclusion. As digital financial infrastructure continues to evolve, new technologies are emerging that could further reshape the country’s financial ecosystem. One such innovation is stablecoins, a category of digital assets designed to maintain a stable value relative to an underlying asset, most commonly a fiat currency such as the US dollar. Stablecoins combine the efficiency and transparency of blockchain technology with price stability, enabling them to function as a potential medium of exchange, store of value, and settlement asset within digital financial systems. Globally, stablecoins have become an increasingly im...

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Nairobi Metropolitan Area Commercial Office Report 2025

Mar 8, 2026

In 2025, we published the Nairobi Metropolitan Area Commercial Office Report 2024 themed ‘Supply-Heavy Market’. The report provided an in-depth analysis of the sector's performance in 2024, along with insights into future prospects and investment opportunities. According to the report, the sector experienced notable improvements, with the average rental yield improving by 0.1% points to 7.8% in FY’2024 from 7.7% recorded in FY’2023, due to improved occupancy and rental rates. Average asking rents per SQFT in the NMA increased by 1.7% to Kshs 105 per SQFT from Kshs 103, owing to economic recovery which boosted business confidence and operations. The overall occupancy rates increased by 1.2% points to 80.7% from 79.5% as a result of a slow but rising demand for physical space. Also, the report noted that, Gigiri emerged as t...

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Review of Real Estate Investments Trusts (REITs) in Kenya

Feb 8, 2026

In 2025, the general Real Estate sector continued to witness considerable growth in activity in terms of property transactions and development activities. Consequently, the sector’s activity contribution to Gross Domestic Product (GDP) grew by 7.6% to Kshs 368.7 bn in Q3’2025, from Kshs 342.6 bn recorded during the same period in 2024. In addition, the sector contributed 8.6% to the country’s GDP, 0.2% points decrease from 8.8% recorded in Q3’2024. Cumulatively, the Real Estate and Construction sectors contributed 16.6% to GDP, 0.1 % points increase from 16.5% in Q3’2024, attributable to a surge in construction sector contribution to GDP by 9.3 % points, to 6.7% in Q3’2025, from a contraction of 2.6% recorded in Q3’2024. The graph below highlights the Real Estate and Construction sectors’ contribution...

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The Kenyan National Social Security Fund (NSSF)

Jan 25, 2026

National Social Security schemes are created by governments to form the first pillar of social security. In Africa, Kenya was the second country after Ghana to form a national security scheme, The National Social Security Fund (NSSF), done in 1965 through an Act of Parliament (Cap 258). It is a provident fund, which provides benefits to retiring members as a lump sum rather than through periodic payments. In recent years, discussions around the growth and reform of the NSSF have gained momentum, with key considerations on how to increase coverage, especially for the informal sector,...

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