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Recent Topicals

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Kenya Mortgage Refinance Company (KMRC) Progress

Mar 20, 2022

Housing Pillar of the Government of Kenya’s Big 4 Agenda. It was incorporated in April 2018 as a non- deposit taking financial institution under the supervision of the Central Bank of Kenya with the single purpose of providing long-term funds to primary mortgage lenders (Banks, Micro Finance Banks and SACCOs) in order to increase the availability and affordability of mortgage loans to Kenyans.  The company was licensed by the Central Bank of Kenya (CBK) in August 2018 and began operations in September 2020. We have previously covered four topicals on KMRC namely; Kenya Mortgage Refinance Company, in April 2018 where we introduced KMRC as a mortgage liquidity facility and demystified th...

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Kenya Retirement Benefits Schemes FY’2021 Performance

Mar 13, 2022

According to the ACTSERV 2021 Retirement Benefits Schemes Investments Performance Survey, segregated retirement benefits schemes recorded an 11.6% return in 2021, up from the 7.0% recorded in 2020. The increase was largely supported by the performance of equities investments made by the schemes which recorded a 16.9% gain, up from a 10.4% decline recorded in 2020 on the back of the gradual economic recovery.  Additionally, the retirement benefits schemes’ Assets under Management increased by 11.8% to Kshs 1.5 tn in June 2021, from Kshs 1.3 tn in June 2020. On a q/q basis, the AUM grew by 5.7% from Kshs 1.4 tn recorded in December 2020. The growth of the assets can be attributed to the economic recovery that saw people resume contribution to the retirement benefits schemes.  Despite the continued growth, the Kenya...

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Student Housing in the Nairobi Metropolitan Area

Feb 27, 2022

In 2020, we released a topical named ‘Student Housing Market in Kenya’ where we explained the concept of student housing, surveyed the market and gave recommendations on investment opportunity in the asset class. Student housing or purpose-built student accommodation (PBSA), refers to housing that has been designed specifically to meet the demands and requirements of the modern-day student. Most student housing facilities range from studios to flats with a cluster of up to eight rooms sharing living quarters. It also comprises of shared social spaces which provide amenities such as cable TV, laundry facilities and even organized social events, with others also offering gym facilities. Most of these facilities and amenities are positioned in central locations and with all-inclusive r...

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Insurance Financial Planning

Feb 20, 2022

Financial Planning refers to a systematic approach towards managing one’s finances by allocating resources optimally in an effort to maximize the use of these resources in order to achieve one’s financial goals and objectives. Having a comprehensive financial plan is important as it enables one to achieve financial freedom by actively managing their spending habits, work towards wealth generation while taking cognisance of their current and expected income levels. Recent economic challenges such as the COVID-19 pandemic have made it difficult for many Kenyans to stick to their financial plans as many were not prepared for the adverse effects of the pandemic such as income disruption and job layoffs. Such unexpected financial occurrences highlight the importance of a financial plan that is inclusive of ways of how to deal with unexpected financial occurrences including emergency savings and taking up insurance covers. 

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Alternative Financing for Real Estate Developments

Feb 13, 2022

Kenya’s Real Estate sector is one of the economic sectors that that has realized remarkable growth and improvement over the past years. However, development of projects has proven to be a challenge as evidenced by various projects stalling, and hence surpassing their stipulated timelines. Key to note, Real Estate investments are capital intensive, and as such require massive funding to complete. However, the over-reliance on traditional sources of financing Real Estate projects such as debt financing continue to be a challenge in sourcing funds for developments mainly due to difficulty in accessing credit loans, coupled with the burden of being in debt. Therefore as our focus this week, we shall do a recap of our 2019 topical on Alternative Financing for Real Estate Developments, in order to identify the various sources of financing for Real Estate developments with a keen ey...

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