Data Note·Apr 4, 2026·5 min read
A data analysis of commercial bank weighted average rates from 1991 to 2025 reveals one persistent truth: the gap between what banks charge borrowers and what they pay depositors has averaged 9.5 percentage points for three decades.
#banking#interest rates#monetary policy
analysis·Mar 21, 2026·5 min read
From 307 agents and 20,000 accounts in 2007 to 473,000 agents and 89.5 million accounts in 2025. Here is what 18 years of CBK data shows about the infrastructure that reshaped Kenya's economy.
#Mobile Money#M-Pesa#Kenya
Data Note·Mar 11, 2026·5 min read
10 years of GDP data reveals Kenya's economy more than doubled — but manufacturing is quietly losing ground while agriculture defied development theory.
#GDP#Manufacturing#Deindustrialisation
Data Note·Mar 9, 2026·5 min read
Ten years of GDP data reveal a doubling economy, an agriculture surprise, and a structural manufacturing decline that should concern policymakers.
#GDP#Manufacturing#Kenya Economy
Data Note·Feb 25, 2026·5 min read
26 years of Kenya's principal export data (1998–2025) reveal a structural shift: horticulture is overtaking tea, and the export mix is quietly changing.
#Exports#Horticulture#Tea
Data Note·Feb 23, 2026·5 min read
An analysis of 26 years of Kenya's principal export data (1998–2025) covering coffee, tea, and horticulture, revealing a transition toward high-value agriculture.
#Exports#Horticulture#Tea
Data Note·Feb 18, 2026·5 min read
If Uganda shut its doors, Kenya's exports would fall by close to 40%. 28 years of export data reveal a dramatic structural pivot away from Europe toward East Africa.
#Exports#Uganda#East Africa
Longform Analysis·Feb 16, 2026·5 min read
Should Uganda shut its doors, Kenya's exports would fall by nearly 40%. An analysis of 28 years of Kenya's export data reveals a dramatic shift toward the East African market.
#Exports#Uganda#East Africa
Data Note·Feb 14, 2026·5 min read
It's not February, despite Valentine's Day. 15 years of diaspora remittance data reveal December dominance, a COVID shift that never reversed, and a North American corridor worth $2.9B annually.
#Remittances#Diaspora#Foreign Exchange
Explainer·Feb 10, 2026·5 min read
Kenya's debt has grown 22.9× in 26 years. But the real danger isn't the size — it's the structure. Costs, currency risk, and a narrowing revenue base make Kenya's debt position far more precarious than the headline ratio suggests.
#Public Debt#Fiscal Policy#National Treasury
Data Note·Feb 9, 2026·5 min read
It's not February, despite Valentine's Day. An analysis of Kenya's diaspora remittance data from 2011 to 2025 reveals $40.51B in cumulative inflows and a permanent COVID-era shift.
#Remittances#Diaspora#Foreign Exchange
Policy Brief·Feb 7, 2026·5 min read
Revenue is diversified but insufficient, deficit financing is mostly domestic, and 81.5% of spending is recurrent. A close reading of Kenya's FY 2025/26 Financial Statement.
#Budget#Public Finance#Fiscal Policy
Longform Analysis·Feb 2, 2026·5 min read
Kenya's debt has grown 22.9× in 26 years. The debt-to-GDP looks manageable, but structure matters more than size — and the structure is deeply concerning.
#Public Debt#Fiscal Policy#Kenya Economy
Policy Brief·Jan 26, 2026·5 min read
A review of Kenya's FY 2025/26 Financial Statement reveals revenue that is insufficient, a deficit financed largely domestically, and expenditure that is structurally rigid.
#Budget#Public Finance#Fiscal Policy
Explainer·Jan 19, 2026·5 min read
A short explainer on Kenya's Sessional Paper No. 10 — African Socialism and Its Application to Planning in Kenya — its context, and what it reveals about Kenya's early economic choices after independence.
#Economic History#Policy#Kenya
Explainer·Jan 9, 2026·5 min read
Explainer·Jan 5, 2026·5 min read
Sessional Paper No. 10 (1965) set out Kenya’s post-independence economic direction amid Cold War pressures. It defined African Socialism as pragmatic, non-aligned, and adaptable, balancing state authority and private enterprise while confronting constraints of capital, skills, and growth.
Explainer·Jan 5, 2026·5 min read