Debtors Care - A financially independent Africa
Kenya’s national debt hit Kshs 13.01 trillion at the end of June 2026, this is according to the National Treasury data. Treasury has also budgeted to borrow another Kshs 1.15 trillion this financial year to help finance the gap between what the government collects and what it spends. Now look at your M-Pesa. In the…
There comes a point in many people’s financial journey when the pressure becomes difficult to ignore. The phone calls start coming more frequently. Loan repayment dates seem to arrive faster than expected. Salary is received and disappears almost immediately. Business income that once seemed sufficient no longer stretches far enough. For some, the challenge began…
Across Kenya today, many households are feeling a quiet but persistent financial pressure. Salaries are not stretching as far as they used to. The cost of living continues to rise. Essentials like food, transport, school fees, and rent are taking up a larger share of income than before. At the center of this reality is…
In most organizations, payroll is viewed as a cost centre — a necessary expense required to keep the workforce running. But what if payroll is also where hidden productivity losses quietly begin? Across many workplaces, a silent challenge is unfolding. Employees are showing up, completing tasks, attending meetings, and meeting minimum expectations. Yet beneath the…
The Invisible Productivity Crisis In boardrooms, performance reviews, and strategic planning sessions, leaders focus intensely on visible metrics—revenue growth, efficiency ratios, cost controls, and customer outcomes. Yet one of the most damaging threats to performance rarely makes it onto dashboards: Employee financial distraction. It doesn’t trigger urgent alerts. It isn’t flagged in quarterly reports. It…