Despite appearing before the Committee of the whole Assembly chaired by Deputy Speaker Ibrahim Swaleh (Kirimari), the CEC Member was adjudged as guilty, with MCAs recommending that appropriate action be taken in accordance with Section 22(3) of the County Assemblies Powers and Privileges Act, 2017 and Section 40 of the County Governments Act, which entails removal from office.

The embattled CEC member was at pains to explain his adamance to honour County Assembly summonses and his failure to compile and table quarterly reports on how his docket utilised public funds allocated by the legislature in subsequent annual county budgets, instead opting to take responsibility and apologise for the commission of the noted administrative mistakes.

MCAs expressed their anger over the CEC member’s choice to send a junior officer from his office, who was neither an Accounting Officer nor a policy maker to answer questions at the legislative committee level. The leaders accused the professor of belittling the legislature and failing to recognise the authority of MCAs, therefore declaring him ripe for impeachment.

During a three-hour sitting, the accused Finance Minister put up a spirited defence to exonerate himself, only for the MCAs to observe that some of his tabled documents were forgeries that had not been received at the Assembly. The Professor also welcomed the invocation of the law to remove him from office, at the same time acknowledging withholding information from the legislators; a violation of Article 35 of the Constitution. 

 

In turn, Ward Reps stated that Prof. Kamaria’s admission of guilt was evidence enough to condemn him to impeachment. Several MCAs asserted their opinion that the CEC Member was not the right person for the job of managing billions of public funds in the county. They rubbished his apology as cosmetic, observing that his body language displayed spite for the County Assembly membership.

Kenya was placed on the Financial Action Task Force's (FATF) "grey list" back in February 2024. The FATF is essentially the world's financial hall monitors. In essence, Kenya has been failing to prevent illicit money from entering its casinos and banks. The rules are somewhat in place, but no one really knows who owns what, and there isn't enough transparency enforcing them, and to be honest, combating financial crime appears to be more of a recommendation than a top priority.

Things are going to get messy now that the EU is joining the bandwagon. Investors will begin to look the other way, particularly the powerful European and American investors. There are additional requirements, paperwork, and "prove you're not a criminal" forms to fill out. Who would even enjoy that?

Kenya was attempting to position itself as the sleek new financial centre of Africa, but this? It's similar to wearing a sticker that reads "likely to commit fraud" to a job interview.

Furthermore, it goes beyond simply deterring investors. Do business with the EU? Anticipate delays. Due to the rain, all of those imports and exports will travel more slowly. Businesses and banks must verify everything twice. Kenyan banks will need to invest heavily in new compliance systems, recruit more lawyers, and train employees to recognize the money-laundering scourge that lurks in every transaction. That is expensive, and the customer typically bears the expense.

Relationships between banks and foreign partners are also in jeopardy. Do you want to continue doing business with a bank that has been flagged as risky if you are a large European bank? Not at all. Kenyan banks must therefore step up their game by tightening checks on new customers and improving transaction monitoring. It's terrible for people who only want to send money abroad or open a basic account.

But the Kenyan government isn't doing nothing. Reforms are being promised by the Central Bank and National Treasury. Trying to raise Kenyan laws to international standards, strengthening the Financial Reporting Centre, and enacting new regulations regarding who actually owns businesses.

Sounds good, but let's face it, the easy part is writing rules. The hard part is actually enforcing them. Cleaning up a system requires more than just a press conference. This is ultimately Kenya's "get your act together" moment. It will require more than just good intentions to get off that list. Kenya's financial reputation will continue to suffer unless there is genuine reform, real action, and actual follow-through.

To be honest, Kenya will be in the financial penalty box for a long time if the regulators and banks don’t work harder. The clock is ticking.

The Central Bank of Kenya's decision to lower the Central Bank Rate from 10.5% to 9.75% at a time when they are predicting a 5.2% GDP growth in 2025 seems, to be honest, a bit of a plot twist. All of a sudden, everyone is hopeful. The shilling is holding up, tourists are returning, Kenyans in the diaspora are sending money home, and inflation is down to 3.8%. Things appear to be a little better than they were the previous year.

The CBK believes it can ease without causing price chaos because inflation is slowing down. Additionally, the Fed and the ECB, two major players, are tapping the curbs on rate increases, so this action is covered globally.

 Bonds and stocks typically receive a boost when interest rates decline. Anyone holding government bonds is smiling because bond yields are likely to decline, which means prices will rise.

Businesses may borrow and grow if loans are more affordable, but banks? Don't be surprised if they start charging for things like insurance or mobile banking fees to make up the difference because their margins are going to be squeezed.

The true beneficiaries are borrowers, particularly MSMEs and those looking for a mortgage. There will be more affordable loans available, but don't count on banks to go crazy overnight. They'll most likely start scrutinizing every loan application because they're concerned about non-payment. If your company is drowning in costly, short-term debt, now's is the time to discuss refinancing with your banker.

That growth goal of 5.2%? Not a complete fantasy, but ambitious. In fact, agriculture is making a comeback, infrastructure is gaining more traction, and people in the private sector are becoming a little more courageous. Let's not fool ourselves, though. Reducing rates does not automatically increase output. We risk creating a credit bubble if everyone only takes out loans to buy cars rather than building factories. Therefore, policymakers must continue to monitor manufacturing, jobs, and exports. Not just quick cash.

In summary, CBK is being both audacious and astute here. It's probably time for businesses to hustle, banks to get creative, and investors to start looking for deals. However, keep in mind that there is no such thing as a free lunch. Maintaining discipline is the true test. Don't spend all of it on short-term gains and neglect the fundamentals: responsible lending, fiscal sanity, and ensuring that the money reaches the people who will need it most. While lower rates are nice, what matters most will be what we do next.

"Since the national government is spearheading the construction of the modern stadium, we have found it ideal to push out Agricultural Show from this July 2025 to February 2026 to pave way for the important project", said the county minister.

The Dr Julius Malombe-led government failed to identify an alternative venue for the Agricultural Show which traditionally takes place in July leading to its postponement. "An event of this magnitude requires so many things. There should be adequate security, a secure gate, perimeter fence and a wall, amenity facilities, demonstration farms and livestock lines and many others", explained CEC Kimwele.

However, show lovers have been assured that going forward, the Kitui Agricultural Show and Trade Fair will be held in February every year at the refurbished grounds.

"Under Governor Dr. Julius Malombe's leadership, agriculture is being treated as a value chain and a commercial engine focused on resilience, productivity and regional collaboration with other players,"said Kivoto. The chief officer spoke on Friday when she represented the CEC for agriculture  Stephen Kimwele as the chief guest during the Eastern Africa Grain Council, Lower Eastern Region Agribusiness Expo, held at the South Eastern Kenya University in Kitui county. The Expo attracted over 1,000 farmers from Kitui, Makueni, and Machakos counties with more than 30 exhibitors showcasing innovative, climate-smart solutions aimed at transforming the grain sector.

The event served as a platform for knowledge exchange, innovation showcasing and forging partnerships aimed at future-proofing agriculture in the face of climate change and development pressure.

Kivoto reaffirmed Kitui County’s commitment to accomplishing an  inclusive, climate-resilient, and market-oriented agricultural transformation agenda in partnership with regional and national actors.

To that end, Kivoto said in collaboration withstakeholders, Malombe's administration was setting up  the  county aggregation and industrial park.

She said  the humongous facility would provide cold storage facilities, reduce post-harvest losses, and enhance value addition while protecting farmers from exploitation by middle men and brokers.

Kivoto added that not only were farmers exposed affordable irrigation technologies such as drip kits and solar-powered pumps but numerous dams were being done or rehabilitated to assure access to water.

The chief officer added that the youth were encouraged  to engage in agribusiness ventures.

Kivoto further pointed out that veterinary services had been enhanced through mobile units, vaccination drives, and improved livestock breeding programs.

The  EAGC Executive Director, Mr. Gerald Masila,  applauded the county  government for embracing innovation in agribusiness. He emphasized the need  for market links in support of  smallholder farmers.

A land use planning specialist,  Roseline Musyoka, urged counties to adopt comprehensive land use plans that strike a balance between residential development, agriculture, agroforestry, and other economic activities.

The Chairman of County Budget and Appropriations Committee Zaccheaus Syengo moved the motion on the floor of the House. According to a report by the County Assembly of Kitui, the Supplementary Budget II is designed to align the county's to budget with the County Allocation of Revenue Act, 2025 as well as the County Governments Additional Allocation Act (CGAAA), 2025.

The  Voo/Kyamatu MCA further said that the changes in the reallocated funds were gotten from budget lines with savings. "Those with depleted allocations that require additional funds due as a result of other economic factors".

The legislators have now urged Governor Dr Julius Malombe-led government to promptly implement the approved budget. 

By April 30, Governor Dr Julius Malombe had presented budget estimates to the county Assembly or deliberations and approval. This delayed due to absence of committees for the work. The Budget and Appropriations Committee as well as other key committees were not in place for smooth running of House businesses.

Then, Speaker Kevin Katisya blamed cartels for driving a wedge between him and Governor Dr Malombe. He said they both enjoyed a cordial working relationship.

This was disclosed  by a team from KOMEX who paid a courtesy call on Deputy Governor Lucy Mulili on Tuesday. The digital trading platform is designed to streamline access to markets for both agricultural and non-agricultural commodities. 

KOMEX, a financial state corporation under the State Department for Trade, is mandated to promote market access and address inefficiencies in commodity trading.

The platform is currently in the onboarding phase, targeting a broad range of stakeholders including farmers, aggregators, cooperatives, traders, warehouse operators, financial institutions, off-takers, service providers and institutional consumers.

Deputy Director Boniface Makau, said Makueni was the leading producer of pulses, key commodities that stand to benefit greatly from the new trading system.

Through the digital platform, farmers will be able to list their produce and preferred selling prices. Buyers can then make direct payments to sellers’ bank accounts within 48 hours. 

The deputy county boss emphasized the need for national legislation to expand storage infrastructure in counties.

The controversial bill, sponsored by Kilifi North MP Owen Baya, proposes to delete Muguka from the Crops Act, effectively ending its recognition as a legal crop in Kenya. The farmers led by Leonard Muthende a local farmer and politician in Mbeere North are questioning the timing and motive behind the bill, especially coming at a time when Mbeere North is without a Member of Parliament after Geoffrey Ruku was appointed to the Cabinet.

Muthende termed the bill suspicious and ill-intentioned, arguing that instead of introducing laws that would hurt the Muguka industry, the Kilifi legislator should have pushed for policies that benefit growers, such as compensation or royalties for the Mbeere community whose economy largely depends on Muguka.

“Muguka farming has made life bearable in the arid, dry, thirsty and marginalized Mbeere. It is the lifeline of the Mbeere people .The status quo must not be destabilized because of prejudices that are not anchored in science” he said.

Muthende praised former MP Geoffrey Ruku for championing the recognition of Muguka, which led to its inclusion under the Miraa (Regulations) 2023—recognizing it as part of scheduled crops under the Crops Act. He called on President William Ruto to intervene and protect Muguka farmers, saying the community has faith in his leadership.

Kathuri Nganjire, another farmer, echoed Muthende’s sentiments, stating that Muguka farming has not caused any harm as alleged in some quarters. He accused opponents of the crop of trying to destabilize families that rely on Muguka as a source of income.

Felista Kanini warned that if Muguka is declassified as a crop, thousands of youth and families who depend on it may be pushed into crime due to loss of livelihood.

Muguka contributes significantly to Embu County’s economy, bringing in about KSh22 billion annually, surpassing earnings from coffee and tea. Farmers deliver up to 36 tonnes daily to the coast, raking in an estimated Sh10.8 million each day. 

President Ruto has already declared that Muguka is legally recognized and any attempts by county governments to ban it are unconstitutional. Still, the proposed bill has stirred anxiety among farmers who fear being pushed to the margins of the economy once again.

The proposed Gikuyari-Karambari-Kirie-Mugwanjogu-Karerema-Ishiara Road will connect the three wards of Muminji, Nthawa, and Evurore, and is set to transform the region’s economy by improving connectivity and easing transport to neighboring counties of Meru and Kitui.

The announcement was made by immediate former MP Geoffrey Ruku now serving as Cabinet Secretary for Public Service, Human Capital Development and Special Programmes—through his social media platforms, sparking excitement across the constituency.

For residents of Muminji Ward, the news is nothing short of historic. Since independence, the area has never had a tarmacked road, and the promise of change is stirring hope. Local leader and Mbeere North politician Joab Konji described the development as a turning point, recalling how residents have suffered, especially during the rainy season when the road becomes impassable due to flooding, mudslides, and erosion.

“It’s a struggle we have endured for decades. We have even seen examination papers delivered by helicopter because of this road. It is not just about transport it is about dignity and opportunity,” Konji said.

A tragedy that claimed the lives of 11 elderly passengers three years ago after their bus plunged into a flooded Thura River remains etched in the community’s memory, a grim reminder of the consequences of poor infrastructure.

David Mugo, another resident, said the road’s condition has long hampered economic progress, making the cost of transporting people and goods unbearably high. “Farmers growing muguka, our main cash crop, suffer reduced profits because of high transport costs. We have been cut off for too long,” he said.

Youth leader Collins Kithweri shared how the state of the road has crippled the boda boda business, with frequent breakdowns and accidents becoming the norm. “Some of us have injuries to show for it. Others have lost their sources of income altogether,” he added.

Construction is expected to begin by the end of the year, and for the people of Mbeere North, it signals not just a road but a lifeline one that may finally unlock the full potential of a region long left behind.

The slow uptake of PPPs, where for example it has been reported that the value of private investments in PPPs in Kenya dipped by 90.5 percent in the financial year ending June 2024, and the fact that the private investors injected only KSh. 4.3 billion into PPP projects, down from the Ksh. 45.3 billion injected in the financial year ending June 2023 shows that there is need to review and align the PPP process and regime in Kenya. 

In 2022, PPP projects drew KSh. 80.6 billion with some of the funding going to the completed 27.1 km Nairobi expressway project. In the current financial year, the National Treasury had projected to draw KSh. 50 billion into PPP projects and in the 2025/26 financial year, the government intends to initiate ten (10) mega projects valued at over 131.9 billion Kenya shillings through PPPs including one irrigation project, one water and sanitation project, three energy projects, two housing projects, and three health projects.

 There is need to develop strategies to make PPP projects succeed in Kenya, because public financing of projects faces many challenges, despite the demand for more goods and services from the public sector. Successful PPPs must protect and ensure that Kenyans get Value for Money (VfM) throughout project preparation, implementation and life of contract. The PPP process management from appraisal, preparation, award to completion, and step by step and progressive process or the “gateway” process is key for success. Lack of VfM means PPP projects will become a failure and hence deny citizens the goods and services that they need to enjoy a high quality of life in a clean and secure environment as envisaged under the Kenya Vision 2030 development blueprint. 

PPP project failures are because of defects in the identification, assessment and preparation (appraisal) of project, poor structuring, poor management of tender process (inadequate transaction management capacity), and poor contract management. 

In addition, the existence of high risks and limited incentives for private players can lead to PPP failure. The Asian Development Bank analyzed 6,273 PPP projects globally between 1991 to 2015 and found out that 259 were cancelled (worth $ 76.4 billion and 4.4% of committed $1.7 trillion PPP project), 67 were in distress and only 216 were completed. More than half of the cancelled projects were in Asia (54.5%), Latin America (40.8%) and Africa (2.9%) and of course the low failure rates of PPPs in Africa are because of the limited number of PPPs in the continent, which will change because more and more countries in Africa are embracing PPPs. 

PPP project failure can broadly fall into three groups – Economic, Politics and Execution aspects. Economic failure arises from skewed responsibilities, improper risk identification, quantification, assignment and incentivization for parties to perform the assigned tasks, inadequate public sector capacity and poorly drafted contracts. The public sector should prioritize PPP projects based on the needs and sound economic principles and not based on purely political reasons. 

PPP projects should yield positive net social returns. Politics can cause failure of PPP project as evidenced by the failure to understand the political and operating environment of projects; the electoral cycles and the legal and regulatory environments, including the official and non-official policies that underpin projects of every nature. 

The third cause of PPP project failure is execution, that touches on how PPP projects are executed and implemented over time. In order for Kenya to successfully leverage on PPPs, there is need for strong project preparation, preparation of adequate project feasibility studies to minimize deviations for socio-economic financial projections in terms of project outcomes. This depends on the human capital and expertise in the country on all aspects of PPPs – legal, procurement, financial and technical, environmental and social safeguards.

Additionally, there is a need for effective and adequate local financing and capital raising mechanisms, wherein local banks must take up this role to avoid foreign denominated loans and finance products that have a huge bearing on the cost of projects and hence the user fees of the final projects, hence a tendency to drive people away from uptake of PPPs. 

There is a need to structure and sustain reforms at the local capital markets to reduce a lot of foreign currency denominated transactions, which are subject to price and exchange rate fluctuations making projects costly and unattractive. Effective uptake of PPPs should be preceded by the development of clear project goals, objectives, including the motivations of the PPPs – whether a debt avoidance and reduction strategy or a mechanism of embracing innovation, technology and managerial prowess of the private sector.

Uptake of PPPs should be anchored on the existence and operationalization of adequate governance systems and support. This could include but not limited to setting up special courts; transparent and timely decision making; building the positive publicity of PPPs. effective management of the PPP process; effective cooperation between players; creating room for interested parties to suggest improvements, critique, and innovations for fast-tracking the PPP project development. 

Every morning, in parts of Igembe and Tigania sub counties young boys and girls stream into miraa farms. Instead of heading to class, they’re harvesting, bundling, and selling the cash crop. For many families, the Sh500 to Sh1,000 a child can earn in a day is a welcome income, especially in regions struggling with poverty.

But the consequences are stark. Thousands of children have dropped out of school. According to local authorities, more than 30,000 children are estimated to be working in miraa farms across Meru County. Many skip school for days or weeks, while others never return at all.

Children are particularly preferred in harvesting because of their size and light weight. They can climb miraa trees easily and pick without damaging the delicate branches. But while they earn, they also lose the chance to learn.

The popularity of miraa is deeply rooted in the Ameru culture. It is chewed during ceremonies, meetings, and even used as a gift. Many parents and local leaders are themselves miraa farmers or traders. The misplaced idea that school is optional, and that a child can succeed by joining the miraa trade early, is becoming more common.

In some homes, education takes a back seat to immediate income which is miraa. Some boys who earn from miraa begin to see themselves as breadwinners. They buy motorbikes, start families early, and abandon school permanently. Girls, meanwhile, often face early marriages to these financially independent boys.

Community Waking Up  Slowly

Efforts are being made to reverse the trend. The Njuri Ncheke Council of Elders has started speaking out against child labour in miraa farms. Some churches and NGOs are running campaigns to encourage children to stay in school.

Saccos formed around miraa farming are introducing school fee loans to help families keep children in class. County officials are also pushing for stricter enforcement of child labour laws. But change is slow, and resistance is strong.

Many families fear losing income. Some leaders avoid the topic altogether, afraid of political backlash for speaking against what many voters consider a sacred economic pillar.

Way Forward

The situation in Meru calls for a delicate balance. Miraa is not just a crop; it is the main source of income for millions. Yet, without education, the region risks raising a generation unprepared for the future.

A long-term solution lies in diversifying the economy, raising awareness about the importance of education, and providing better support for poor families. Strict enforcement of child labour laws must go hand-in-hand with opportunities for parents to earn without relying on their children.

Miraa has built Meru, but it must not be allowed to bury the dreams of its youngest generation. The children of Meru deserve both a strong heritage and a solid education. It’s time to ensure they get both.

The Burden of High Costs

From the moment a student steps off a matatu in Chuka town, the economic burden is clear. The cost of living around Ndagani has risen sharply in recent years, with rent for modest hostels shooting from KSh 3,000 to as high as KSh 8,000 per month. Jane Mwende, a third-year Education student, shares, “Some of us have to share tiny rooms or move further away from campus just to afford rent. It’s exhausting walking long distances every day.”

Water Scarcity Woes

Water, a basic necessity, is another major challenge. During the dry seasons, taps around Ndagani often run dry for weeks. Students are forced to trek for kilometers to fetch water from unreliable sources, risking both their health and safety. “We have to choose between attending classes or queuing for water early in the morning,” says Brian Mutuma, a first-year student.

Insecurity at Night

As night falls, fear grips many students living in isolated areas of Ndagani. Cases of mugging and burglary have risen sharply, particularly around less populated hostels. “You can’t walk alone after 7 PM without risking being robbed," says Sheila Wanja, a fourth-year student. Although local authorities have made efforts to deploy more patrols, students feel that much still needs to be done to guarantee their safety.

Limited Internet and Power Outages

In an increasingly digital world, reliable internet access is no longer a luxury — it's essential. Yet, many students complain of poor connectivity, which hampers their ability to conduct research and submit assignments. Coupled with frequent electricity blackouts, particularly during the rainy season, academic work becomes a constant battle against time.

Mental Health Challenges

The pressures of financial strain, academic expectations, and poor living conditions have taken a toll on students' mental health. Few can afford professional counseling, and stigma around mental health remains high. “Sometimes you feel overwhelmed but you don't know where to turn,” confides Peter Njeru, a second-year Computer Science student.

Calls for Action

Students are now calling for urgent interventions. Many suggest that the university should partner with local landlords to regulate rent, improve water supply infrastructure, enhance security patrols, and establish accessible counseling centres. “We love our university,” says Mwende passionately, “but we need a better environment to thrive, not just survive.”

As Chuka University continues to shine academically, it is clear that addressing these silent struggles will be key in unlocking the full potential of its vibrant student body. After all, education is not only about what happens in the lecture halls — it is also about the quality of life beyond them.

According to a report by TVC News, the agreement seeks to eliminate trade barriers and enhance development collaboration. This upgrade in diplomatic ties signals a major step forward for Kenya’s international strategy, with potential benefits for both the economy and the average citizen.

One of the biggest takeaways from the visit is the opening of Chinese markets to Kenyan goods. The government has encouraged local businesses to explore these new avenues. As reported by The Standard, exports like fresh produce, textiles, and leather products could thrive under the improved trade framework.

“This new chapter offers immense opportunities, especially in technology and trade,” said James Macharia, a Nairobi-based economist. “But we must ensure Kenya retains decision-making power in these agreements.”

At Nairobi’s bustling Wakulima Market, trader Beatrice Muthoni shared her hopes: “If we can sell more avocados and mangoes directly to China, it will boost our income. But we need support in logistics and packaging to meet global standards.”

Despite the excitement, not everyone is convinced. Kiharu MP Ndindi Nyoro has raised concerns over Kenya’s rising external debt, criticizing the government’s growing dependence on foreign loans. “We must tap into our own resources and reduce external borrowing,” he told Citizen Digital. His remarks underscore the growing worry among many Kenyans who fear that deepening ties with global powers could compromise the country’s sovereignty.

As Kenya steps into this renewed relationship with China, the stakes are high. While the promise of investment and trade is alluring, the long-term success of the partnership will depend on Kenya’s ability to strike a balance between cooperation and caution.

Speaking during the event, KALRO Embu Centre Director Bernard Rono noted that many farmers in the region continue to apply fertilizer blindly, without understanding their soil needs a practice that has led to disappointing harvests.

“We want to equip farmers with modern, smart agricultural practices through regular training. Soil testing is the starting point if we want to boost both food security and incomes,” said Rono.

He added that KALRO has rolled out a comprehensive plan to continuously engage and train farmers across the region, helping them shift from traditional methods to more efficient and sustainable farming techniques.

Jackline Mutende, a director in the Embu County Department of Agriculture, echoed Rono’s sentiments. She lamented that the uptake of modern technology in farming has been low among Embu farmers, but expressed optimism that such training programs would turn the tide.

“There's a clear link between technology and productivity. By empowering our farmers with the right knowledge, we can unlock the full potential of agriculture in Embu,” she said.

Farmers who participated in the training welcomed the initiative, describing it as eye-opening.

John Njue said they have been applying fertilizer without really understanding what our their soils  need saying this has affected their production.

Morris Mugambi, another farmer, emphasized the need for such trainings to be held frequently terming it a game changer. "I urge fellow farmers to take them seriously and implement what we learn.”he said.

Meanwhile, Fabian Munene, a youthful farmer, encouraged more young people to venture into agriculture, saying modern farming is both rewarding and fulfilling.

He said with the right knowledge and support, agriculture is not just a job but a profitable business saying farming is not for old people but all.

Over 1,500 farmers participated in the training.

Female goat/muoma

Large-8000-10000

Medium-8000

Small-3500

Cattle: 50000-87000

Donkey:6000-14000

Sheep

Ndume-7000-7500

Mwati-4000-4500

Reasons for changes in prices 

*School fees 

*No food reserves at households 

Gainers: buyers, brokers

Losers:sellers

Dated: April 17, 2025

Speaking during the launch, the Chairman and Managing Director of Madison Group, Samuel G. Ngaruiya, said the new branch will provide employment opportunities for locals and contribute to the county’s economic growth. “This is not just a business move; it's a way to give back to the community and create meaningful jobs,” he said.

Joseph Gathogo, the Head of Ordinary Life Business at Madison Group, described the Embu branch as a big step forward for the company. “This is a major milestone for us. It brings our services closer to the people and shows our commitment to serve Kenyans wherever they are,” he said.

Madison Group has been operating in Kenya since 1988, when it was formed following a merger between Crusader Plc and Kenya Commercial Insurance Corporation. Since then, it has grown to become one of the country’s leading insurance providers, offering a range of life, health, and general insurance products.

In 2018, the group restructured its operations, forming two separate companies—Madison Life Assurance Kenya Limited and Madison General Insurance Kenya Limited. This allowed each division to focus more effectively on its core business and better serve its customers.

The company has also been recognized for its outstanding performance in the industry. In 2024, 65 Madison Group agents were honored at the Association of Kenya Insurers (AKI) awards, showing the strength of its sales team and the trust clients place in the brand.

With the new Embu branch, Madison Group hopes to expand its client base in the region, particularly among small businesses, farmers, and professionals who are looking for reliable and affordable insurance solutions.

The branch will offer a full range of services, including life insurance, medical cover, general insurance, and investment products. Customers can expect personalized service and professional advice from well-trained staff.

By setting up in Embu, Madison Group is tapping into a vibrant and fast-growing market. The region has become a hub for business and agriculture, making it an ideal location for financial services expansion.

As Madison Group continues to open new branches across the country, its leadership says the focus remains on improving access to insurance, growing the local economy, and building long-term relationships with clients. The Embu branch is just one more step in that journey.

According to the East Africa Tea Trade Association (EATTA), the ban has already disrupted logistics, with more than 2,000 containers of tea worth about KSh 1.3 billion now stranded at the Port of Mombasa. Some consignments already on transit are stuck mid-route, causing panic among exporters and producers who depend on the Sudanese market.

The ban was announced by Sudan’s Ministry of Trade and Supply on March 11, 2025, citing national security concerns. It followed Kenya’s decision to host a political meeting involving Sudan’s Rapid Support Forces (RSF), an action that Khartoum deemed provocative and hostile. Sudan's government responded by halting all imports from Kenya indefinitely.

The economic consequences are already being felt. In 2024, Sudan was the 12th largest importer of Kenyan tea, purchasing 10.7 million kilograms valued at KSh 2.3 billion. That figure had already been on the decline due to internal conflict in Sudan, but the latest ban threatens to slash it to zero, putting Kenya’s tea industry in jeopardy.

In Embu County, where tea farming supports thousands of households, local leaders have spoken out. Mwenje Njeru, Chairperson of Mungania Tea Factory, warned that the ban could devastate farmers who rely almost entirely on the BP1 variety. He urged the Ministries of Agriculture and Foreign Affairs to intervene swiftly.

Moses Kamau, Chairperson of Kathangarire Tea Factory, expressed fears that this year’s tea bonuses could be cut by more than half. Last year, farmers earned KSh 50 per kilogram, but with the primary market frozen, the price could nosedive. He warned that if the crisis continues, many farmers may quit tea farming altogether.

Runyenjes Member of Parliament, Muchangi Karemba, said the government must act fast to resolve the diplomatic dispute before foreign politics wreck the livelihoods of Kenyans. He said tea farming is a cornerstone of Embu's economy, and any threat to the sector threatens the stability of the region.

Former Embu Senator Lenny Kivuti added his voice to the debate, questioning Kenya’s continued reliance on exporting raw tea. He called for urgent investment in value addition  including products like tea-based cosmetics, wellness drinks, and herbal medicine  to cushion the industry from global market shocks.

The Kenya Tea Development Agency (KTDA), which oversees small-scale tea production, is now scrambling to find alternative buyers. However, redirecting large quantities of BP1 tea to new markets is proving difficult, especially since Sudan had become a specialized consumer of that specific grade.

As the crisis unfolds, tea stakeholders are appealing to the Kenyan government for immediate diplomatic talks with Sudan. They also want a grace period to clear the already-exported tea before the losses become irrecoverable.

The Need for a New Funding Model

The current system of funding higher education primarily relies on government subsidies, student loans, and private scholarships. However, this model has significant drawbacks:

(a)Rising Student Debt: Many graduates leave university with substantial debt, limiting their financial freedom and career choices.

(b)Limited Access to Higher Education: High tuition costs can deter students from low-income backgrounds.

(c)Government Budget Constraints: Public funding for higher education is often insufficient, leading to tuition hikes.

To address these challenges, innovative funding models are being introduced to create a more accessible and sustainable system.

Emerging Funding Models

1. Income-Share Agreements (ISAs)

Income-Share Agreements (ISAs) allow students to finance their education in exchange for a fixed percentage of their future earnings for a set period. Unlike traditional loans, ISAs do not accrue interest, and payments adjust based on income. This model aligns the interests of universities and students, as institutions have a stake in graduates' success.

2. Pay-It-Forward Models

Under this approach, students receive tuition-free education in exchange for committing to contribute a small percentage of their income back to the university after graduation. Unlike ISAs, these contributions go into a pooled fund that supports future students, creating a self-sustaining system.

3. Employer-Sponsored Education

More companies are investing in workforce education through tuition reimbursement and direct funding partnerships with universities. This model allows students to gain relevant skills while reducing financial burdens, benefiting both employers and employees.

4. Crowdfunding and Community Sponsorships

Online platforms allow students to raise funds for their education through personal networks, philanthropists, or community organizations. Universities can also establish scholarship funds through alumni donations or corporate sponsorships.

5. Hybrid Models with Government and Private Sector Collaboration

A combination of government grants, private investment, and student contributions can create a balanced funding structure. For example, public-private partnerships (PPPs) can help universities maintain affordability while ensuring quality education.

Benefits of a New Funding Approach

-Reduced Student Debt: Alternative funding models minimize financial burdens after graduation.

-Increased Accessibility: More students can pursue higher education regardless of their financial background.

-Stronger University-Industry Ties: Employer-sponsored education ensures graduates acquire in-demand skills.

-Long-Term Sustainability: Pay-it-forward and hybrid models create self-sustaining funding cycles.

As the cost of higher education continues to rise, rethinking university funding is essential. New models like ISAs, employer sponsorships, and pay-it-forward systems offer promising solutions that benefit students, universities, and the broader economy. By embracing innovative funding approaches, we can make higher education more accessible, equitable, and financially sustainable for future generations.

A Hive Above the City

On a rooftop in downtown Chicago, Maya Rodriguez, a 42-year-old environmental scientist turned beekeeper, suits up in her protective gear. She carefully lifts the lid of a wooden hive, revealing thousands of buzzing honeybees working in synchronized harmony. “I never imagined I’d be keeping bees in the middle of a city,” Maya says, gently inspecting a honeycomb frame. “Most people think bees belong in the countryside, but urban spaces are actually becoming some of the safest places for them.”

Pollution, habitat loss, and pesticide use have devastated bee populations worldwide. But in cities, where pesticides are used less frequently and diverse plants flourish in parks and community gardens, bees are finding an unexpected refuge.

A Fight for Survival

Honeybees are responsible for pollinating nearly one-third of the food we eat, yet they are disappearing at alarming rates. Climate change, colony collapse disorder, and industrial agriculture have put them at risk. Urban beekeeping is emerging as one solution to help stabilize declining bee populations. “There’s a misconception that bees are aggressive,” says James Larkin, founder of the nonprofit HiveCity, which installs beehives on office buildings and educates communities on pollinator conservation. “But they’re just like us—trying to survive in a rapidly changing world.”

Through HiveCity, James has helped place over 200 hives across the city, from hotel rooftops to school gardens. “It’s more than just keeping bees,” he explains. “It’s about rethinking how we coexist with nature, even in a concrete jungle.”

Sweet Rewards

The benefits of urban beekeeping extend beyond environmental impact. Local honey production is booming, and businesses are taking notice. Restaurants and bakeries proudly use city-made honey, labeling it as “rooftop harvested” or “hyper-local.”

“The honey from urban hives has a unique flavor because it’s made from a mix of all the city’s flowers—lavender from balconies, wildflowers from parks, even basil from backyard gardens,” Maya explains.

Beyond honey, beekeeping fosters a sense of community. Neighborhood beekeeping workshops are bringing together people from all walks of life, from schoolchildren to retirees.

A Buzzing Future

Despite its successes, urban beekeeping faces challenges. Climate change continues to disrupt bee behaviors, and city regulations can sometimes make it difficult to install hives. Still, beekeepers like Maya and James remain hopeful. “As long as there are people who care, there’s hope for the bees,” Maya says, watching as the hive settles back into its rhythmic hum. “And if we save the bees, we save ourselves.”

As the sun sets over the city skyline, the rooftop hives remain abuzz—silent reminders that even in the heart of the metropolis, nature finds a way to thrive.