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Kenya Shilling Overnight Interbank Average (KESONIA) & its Effect on Cost of Funds and Credit Creation
Background KESONIA is the newly introduced common base rate for loan pricing. It is a transaction-based overnight benchmark the CBK has championed for as the country moves to a risk-based pricing model of credit. Its adoption shifts elements of credit pricing from policy-driven anchors toward market-driven short-term rates. It is hoped to improve transparency on cost of credit, but adds short-term variability and operational transition costs for lenders. KESONIA formally name

Wilson Odek
Jan 212 min read


Kenya’s Near-Term Economic Outlook & Implications for Credit Creation
Executive summary Kenya’s growth moderated from 2023 highs; 2024 growth was around 4.7% and 2025 forecasts vary. Improvements in reserves, diaspora flows and recent sovereign funding actions have eased some external liquidity risks, prompting positive rating outlooks from rating agencies. However, heavy domestic borrowing and elevated interest costs continue to crowd out private credit and limit near-term recovery. Key risks are fiscal consolidation progress and private-secto

Wilson Odek
Jan 212 min read


Legal Research Services That Drive Business Success
In today's fast-paced business world, staying ahead of the competition is crucial. Companies need to make informed decisions quickly, and...

Wilson Odek
Sep 25, 20255 min read


Maximizing Business Growth with Data Modeling Tools
In today's fast-paced business world, data is king. Companies that harness the power of data can make informed decisions, optimize...

Wilson Odek
Sep 25, 20254 min read


Flexible Pricing Models for Tailored Consultancy Solutions
In today's fast-paced business world, flexibility is key. Companies are constantly looking for ways to adapt to changing market...

Wilson Odek
Sep 25, 20255 min read
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