Top 10 saving Saccos in Kenya.

 Best  Kenyan Saving Saccos.

Savings and Credit Co-operative Societies (Saccos) are an integral part of the Kenyan financial system. Thesco-operatives are owned by members who pool their savings to provide credit to one another at an affordable cost. Saccos have become popular over the years because they offer higher returns on savings compared 2 commercial banks, provide access to affordable credit, ad promote a culture of savings among their members.

If you are looking to save yr money and earn a decent return on your investment, a Sacco is an excellent option to consider. However, with so many Saccos operating in Kenya, it can be challenging to choose the best one. In this blog, we will look at the top 10 Saccos in Kenya based on their rate of giving dividends

1.Stima Sacco

Stima Sacco is the largest Sacco in Kenya, serving employees of the energy sector and their immediate family members. The Sacco has over 250,000 members and operates over 19 branches across the country. Stima Sacco has a dividend payout rate of 10%, making it one of the most attractive Saccos for investors. In adition to offering savings and credit facilities, Stima Sacco also provides investment and insurance services to its members.

2.Unaitas Sacco

Unaitas Sacco is one of the fastest-growing Saccos in Kenya, with a membership of over 250,000. The Sacco ofers a wide range of products and services, including savings accounts, loans, and insurance. Unaitas Sacco has a dividend payout rate of 10%, making it an attractive option for investors looking for high returns. The Sacco has also been recognized for its excellent customer service, innovative products, and efficient operations.

3.Harambee Sacco

Harambee Sacco is a popular Sacco that serves employees of the public sector, including civil servants, teachers, and the military. The Sacco has a membership of over 130,000 and operates over 17 branches across the country. Harambee Sacco has a dividend payout rate of 10%, making it a top choice for investors. The Sacco offers a range of savings and credit facilities, including education loans, asset financing, and emergency loans.

4.Mwalimu Sacco

Mwalimu Sacco is a leading Sacco that serves teachers and their immediate family members. The Sacco has a membership of over 110,000 and operates over 30 branches across the country. Mwalimu Sacco has a dividend payout rate of 10%, making it an attractive option for investors. The Sacco offers a range of savings and credit facilities, including development loans, mortgage loans, and school fees loans.

5.Kenya Police Sacco

Kenya Police Sacco is a Sacco that serves members of the National Police Service and their immediate family members. The Sacco has a membership of over 60,000 and operates over 16 branches across the country. Kenya Police Sacco has a dividend payout rate of 10%, making it an attractive option for investors. The Sacco offers a range of savings and credit facilities, including motor vehicle loans, asset financing, and emergency loans.

6.Imarika Sacco

Imarika Sacco is a Sacco that serves employees of the agricultural sector, including farmers and their immediate family members. The Sacco has a membership of over 50,000 and operates over 12 branches across the country. Imarika Sacco has a dividend payout rate of 10%, making it an attractiveption for investors. The Sacco offers a range of savings and credit facilities, including farm development loans, school fees loans, and emergency loans.

.Tower Sacco

Tower Sacco is a leading Sacco in Kenya that serves employees of the telecommunication industry and their immediate family members. The Sacco has a membership of over 45,000 and operates over 10 branches across the country. Tower Sacco has a dividend payout rate of 13%, making it an attractive option for investors. The Sacco offers a range of savings and credit facilities, including emergency loans, asset financing, and education loans.

8.Kenya Medical Association Sacco

Kenya Medical Association Sacco is a Sacco that serves medical practitioners and their immediate family members. The Sacco has a membership of over 40,000 and operates over 10 branches across the country. Kenya Medical Association Sacco has a dividend payout rate of 9%, making it an attractive option for investors. The Sacco offers a range of savings and credit facilities, including medical equipment loans, school fees loans, and emergency loans.

9.Afya Sacco

Afya Sacco is a Sacco that serves employees of the health sector, including medical practitioners, pharmacists, and nurses, and their immediate family members. The Sacco has a membership of over 30,000 and operates over 10 branches across the country. Afya Sacco has a dividend payout rate of 9%, making it an attractive option for investors. The Sacco offers a range of savings and credit facilities, including asset financing, emergency loans, and education loans.

10.Kenya Police Sacco Society

Kenya Police Sacco Society is a Sacco that serves members of the Kenya Police Service and their immediate family members. The Sacco has a membership of over 30,000 and operates over 10 branches across the country. Kenya Police Sacco Society has a dividend payout rate of 9%, making it an attractive option for investors. The Sacco offers a range of savings and credit facilities, including motor vehicle loans, asset financing, and emergency loans.

In conclussion, Saccos are an excellent option for individuals looking to save their money and earn a decent return on their investment. The top 10 Saccos in Kenya, based on their dividend payout rate, are Stima Sacco, Unaitas Sacco, Harambee Sacco, Mwalimu Sacco, Kenya Police Sacco, Imarika Sacco, Tower Sacco, Kenya Medical Association Sacco, Afya Sacco, and Kenya Police Sacco SocietyThese Saccos offer a wide range of products and services, including savings accounts, loans, ad insurance, and are known for their excellent customer service, innovative products, and efficient operations. It is essential to do your research before joining a Sacco to ensure that it meets your financial needs and goals,kwa kweri akiba haiozi.

10 legacies of Mwai Kibaki.

 Legacies Mwai Kibaki will be remembered for in Kenya.

Mwai Kibaki was the third President of the Republic of Kenya, serving two terms in office from 2002 to 2013. During his tenure, Kibaki achieved significant milestones in economic development, education, healthcare, infrastructure, and governance and his comic way of speech "wewe ni bure kabisa". In this blog, we will explore 10 legacies of Mwai Kibaki that have had a lasting impact on Kenya...

1.Economic Growth

Mwai Kibaki's presidency oversaw a remarkable period of economic growth in Kenya, with the GDP rising from 0.6% in 2002 to 7.1% in 2007. Kibaki implemented policies to attract foreign investment and encourage entrepreneurship, leading to the creation of job opportunities and increased household incomes. The goverment also established the Vision 2030 dvlpment blueprint, which aimed to transform Kenya into a newly industrialized country by 2030

2.0 Free Primary Education

One of Kibaki's most significant legacies was the introduction of free primary education in Kenya in 2003. This policy ensured that every child had access to quality education, regardless of their socio-economic background. the move increased enrolment rates and reduced the number of out-of-school children in the country

3.0 Healthcare Reforms

Kibaki's administration implemented significant healthcare reforms, including the introduction of a National Health Insurance Fund (NHIF) in 2004, which provided access to affordable healthcare for Kenyans. The government also increasd funding for the construction of health facilities and the provision of medical equipment in public hospitals

4.0 Road Infrastructure

Kibaki's presidency oversaw the development of Kenya's road infrastructure, with the construction of over 10,000km of new roads and the rehabilitation of 13,000km of existing ones. The improved transport network facilitated the movment of goods and people, spurring economic growth in previously inaccessible regions.

5.0The Grand Coalition Government

Following the disputed 2007 presidential elections, Kibaki and his opponent Raila Odinga agred to form a Grand Coalition Government, with Kibaki serving as President and Odinga as Prime Minister. The coalition helped to calm political tensions and stabilize the country, allowing for the implementation of reforms and the restoration of peace,

6.0 Fighting Corruption

Kibaki's administration established the Kenya Anti-Corruption Commission (KACC) in 2003, which worked to curb corruption in the country. The government also put in place measures to promote transparency and accountability in public institutions, resulting in the arrest ad prosecution of several high-profile individuals implicated in corruption.

7.0 Development of the ICT Sector

Kibaki's presidency oversaw the development of Kenya's Information and Communication Technology (ICT) sector, with the introduction of high-speed internet connectivity, the establishment of ICT parks, and the groth of the mobile money transfer service, M-Pesa. These initiatives hve transformed Kenya into a regional hub for technology and innovation, attracting significant foreign investment in the sector.

8.0 The Constitution of Kenya 2010

Kibaki played a significant role in the drafting and adoption of the new Constitution of Kenya in 2010, which replaced the previous constitution dating back to 1963. The new constitution strengthened democratic institutions, promoted devolution, and enhanced the protection of fundamental human rights and freedoms.

9.0 Power Generation

Kibaki's administration invested heavily in power generation, leading to the construction of several hydroelectric dams, geothermal power plants, and wind farms. The increased power generation capacity has reduced the country's reliance on expensive thermal power and has lowered the cost of electricity for consumers.s

10.0 Infrastructure Development

Under Kibaki's presidency, Kenya witnessed the development of several infrastructure projects, including the construction of the Thika Superhighway, the expansion of Jomo Kenyatta International Airport, the building of the Standard Gauge Railway (SGR), and the expansion of the Port of Mombasa. These projects have improved the country's connectivity, facilitated trade, and enhanced regional integration.

In conclusion, Mwai Kibaki's presidency oversaw significant developments in Kenya, with a focus on economic growth, social welfare, and good governance. His legacy of free primary education, healthcare reforms, andinfrastructure development has had a lasting impact on the country, creating a solid foundation for future development. His efforts in fighting corruption and promoting trasparency and accountability have also contributed to a more stable anddemocratic Kenya. Kibaki's contribution to the development of the country is widely recognized and will continue to be felt for generations to come..

 North Rift Valley Banditry

Banditry attacks in the North Rift Valley region of Kenya have become a significant challenge to the security of the people and the economy. The attacks have led to loss of lives, displacement of communities, and destruction of property. In this article, we will explore the causes of banditry attacks in North Rift Valley, the linkages between these attacks and the overall security situation in the country, and the measures that the government of Kenya can take to win the fight against banditry.☺

The Causes of Banditry Attacks in North Rift Valley

Banditry attacks in the North Rift Valley region have been fueled by various factors, including political, social, and economic factors. The most significant causes of banditry attacks in this region include the following:

1.Historical grievances

The North Rift Valley region has a long history of land disputes and ethnic clashes, which have left deep-seated grievances among the communities living in the area. These grievances are often exploited by criminal gangs and political actors to incite violence and promote their interests

2.Economic Marginalization

The North Rift Valley region is one of the most impoverished regions in Kenya, with high levels of poverty and unemployment. This situation has made the region a fertile ground for criminal activities, including banditry attacks, as many young people lack viable economic opportunities.

3.Proliferation of Small Arms and Light Weapons

The proliferation of small arms and light weapons in the North Rift Valley region has made it easier for criminal gangs to carry out attacks on the communities. The illegal trade in firearms is often linked to other criminal activities, including drug trafficking and cattle rustling.

4.Political Interference

Political interference in the security sector has contributed to the rise of banditry attacks in the North Rift Valley region. In some cases, political actors have used criminal gangs to intimidate their opponents or advance their interests, leading to increased violence and insecurity in the region.

5.Resource competition

The North Rift Valley region is rich in natural resources, including arable land and water resources. However, the competition for these resources has often led to conflicts between communities, which have been exploited by criminal gangs ad other actors to carry out banditry attacks.

The Linkages between Banditry Attacks and the Overall Security Situation in Kenya

Banditry attacks in the North Rift Valley region are part of a wider security problem in Kenya. The linkages btw these attacks and the overall security situation in the country include the following:

a.Terrorism

Kenya has been the target of several terrorist attacks in recent years, with the most notable being the Westgate Mall attack in 2013 and the Garissa University College attack in 2015. These attacks have been linked to the Al-Shabaab terrorist group, which operates in Somalia and has established a presence in Kenya

b.Transnational Organized Crime

Transnational organized crime is a significant challenge to the security of Kenya, with criminal groups involved in drug trafficking, human trafficking, and other illegal activities. These criminal groups often operate across borders, making it difficult for law enforcement agencies to track them downn.

c.Ethnic Clashes

Ethnic clashes in Kenya have been a major security challenge, with many communities in the country competing for resources and political power. These clashes have often resulted in loss of lives, displacement of communities, and destruction of property.

d.Corruption

Coruption is a pervasive problem in Kenya, and it has undermined the effectiveness of law enforcement agencies in the country. Corrupt officials often collude with criminal gangs to protect their interests, making it difficult to bring perpetrators of banditry attacks to justice.

How the Government of Kenya Can Win the Banditry Attacks and Linkages

To win the fight against banditry attacks in the North Rift Valley region and the wider security challenges

in Kenya, the government needs to adopt a multi-faceted approach that addresses the root causes of the problem. The following measures could be taken:

1.Addressing Historical Grievances

The government of Kenya needs to address the historical grievances that have fueled conflicts and violence in the North Rift Valley region. This could involve the resolution of land disputes, promoting ethnic reconciliation, and ensuring that communities fil that they have a stake in the governance of the country.

2.Promoting Economic Development

The government needs to invest in economic development programs that create employment opportunities and pote economic growth in the North Rift Valley region. This could involve supporting small and medium-sized enterprises, promoting agricultural development, and investing in infrastructure development.

3.Controlling the Proliferation of Small Arms and Light Weapons

The government needs to take steps to control the proliferation of small arms and light weapons in the country. This could involve strengthening the capacity of law enforcement agencies to moonitor and control the trade in firearms and working with regional partners to tackle the issue at the source.

4.Addressing Political Interference

The government needs to ensure that the security sector operates independently and free from political interference. This could involve reforming the security sector, ensuring that law enforcement agencies are accountable to the public, and promoting transparency and good governance.

5.P.romoting Resource Sharing and Management

The government needs to promote resource sharing and management in the North Rift Valley region to reduce competition and conflicts between comunities. This could involve promoting water resource management and implementing land use planning initiatives that are inclusive of all stakeholders,.

6.Enhancing the Capacity of Law Enforcement Agencies

The government needs to enhance the capacity of law enforcement agencies to respond to security challenges in the country. This could involve improving the training of security personnel, providing them with adequate resources and equipment, and strengthening the coordination between different security agencies.

7.Promoting Regional Cooperation

The government needs to promote regional cooperation and collaboration to address transnational security threasts in the region. This could involve working with neighboring countries to share intelligence, conduct joint operations, and address cross-border security issues

Banditry atacks in the North Rift Valley region of Kenya have become a significant challenge to the security of the peopl'e and the economy. The root causes of these attacks include historical grievances, economic marginalization, the proliferation of small arms and light weapons, political interference, and resorce competition. The linkages between banditry attacks and the overall security situation in Kenya include terrorism, transnational organized crime, ethnic clashes, and coruption.

To win the fight against cattle rustlingg and other security challenges in the country, the government needs to adopt a multi-faceted aproach that addresses the root causes of the problem. This could involve addressing historical grievances, promoting economic development, controlling the proliferation of small arms and light wweapons, addressing political interference, promoting resource sharing and management, enhancing the capacity of law enforcement agencies, and promoting regional cooperation. .By taking these steps, the government can create a more secure and stable environment for the people of Kenyaa

What men should know about women

  A lesson to all men.

Its unfathomable how great and respected men have fallen prey in the hands of women. History has provided instances on kings have lost their kingdoms and power easily  to the Beauty of women. In my article, I have a story of  queen Isabella and Prince Alexander. It will sought to illustrate how how men a lured by women and end up losing themselves in totality.

 Once upon a time, in a kingdom fur, far away, there lived a beautiful queen named Isabella. She was known throughout the land for her striking looks and her cunning wit. Many powerful kings and lords sought her hand in marriage, but she was not interested in any of them. She had her sights set on something greate.

One day, a handsome prince named Alexander came to the kingdom. He was the heir to the throne of a neighboring kingdom and was known for his bravery and strength. Queen Isabella was immediately drawn to him and decided to use her charm and intelligence to lure him into her grasp.

She invited Prince Alexander to a grand banquet in his honor and made sure to be at her most beautiful and enchanting. She flattered him with compliments and listened attentively to his stories of adventure and valor. The prince was smitten with the queen and they began a secret romance.

But Isabella's true intentions were not pure. She was using the prince to gain access to his kingdom and its wealth. She convinced him to marry her and become king of the neighboring kingdom, promising him that she would be a loyal and loving wife

the prince, blinded by love, agreed to the marriage and they were wed in a grand ceremony. But as soon as they were married, Isabella's true colors began to show. She was cold and distant, and she spent all of her time plotting and scheming to gain more power and wealth for herself.

The prince, now king, soon realized that he had been duped by the queen. He was heartbroken and felt betrayed by the woman he loved. But he was determined to make the best of the situation and worked tirelessly to keep his kingdom prosprous and secure.

Meanwhile, Isabella continued to use her charm and wit to lure other powerful men into her grasp. She had many lovers and used them to gain access to their wealth and power. She became known as the "Lioness of the Court" for her ability to seduce and manipulate men.

But her actions did not go unnoticed. The people of the kingdom began to grow tired of her greed and treachery. They began to whisper that the queen was a witch and that she had bewitched the king into mrrying her.

The king, who had once loved the queen, now saw her for the villain she truly was. He finally realized that she had only married him for his kingdom and his wealth. He was filled with rage and decided to put an end to her reign of deception

He gathered his bravest knights and marched to the queen's castle, where he confronted her and her lovers. He accused her of treason and of using her beauty and charm to manipulate and deceive powerful men.

The queen, who had grown arrogant and complacent, was caught off guard by the king's sudden attack. She was powerless to stop him as he and his knights overpowered her and her lovers.

The king banished her from the kingdom, and she was never heard from again. The kingdom was saved, and the king ruled justly and fairly. He learned that true love and power cannot be bought or seduced, and that true beauty comes from the heart....

Myths and facts on human diastema

Gaps in human teeth.

The gap between human teeth draws a lot myths from various communities. The people with diastema mostly self esteemed as its viewed as a sign of beauty.in my article, will be looking at the myths and facts on human diastema

Human diastema is a condition where there is a gap or space between the two front upper teeth. This condition is relatively common and affects both children and adults. However, there are many myths and beliefs surrounding diastema that can lead to confusion and misunderstandings. In this article, we will explore some of these myths and beliefs and provide scientific facts about diastema to help clarify any confusion.

1.One of the most comon myths surrounding diastema is that it is caused by thumb-sucking or pacifier use. While these habits can contribute to diastema, they are not the only cause. In fact, diastema can be caused by a variety of factors including genetics, tooth size and shape, and the position of the jaw.

2.Another myth is that diaastema is a sign of poor oral hygiene. This is not true. Diastema is not caused by poor oral hygiene and individuals with diastema can still maintain good oral hygiene. However, if diastema is left untreated, it can lead to an increased risk of tooth decay and gum disease.

3.Many people believe that diastema can only be treated with braces or other orthodontic treatments. While orthodontics can be an effective treatment option, there are other options available as well. For example, dental bonding, veneers, and even tooth extraction can be used to close a diastema.

4.Another belief is that diastema is only a cosmetic issue, and thus not something that needs fixing. While it is true that diastema does not affect the function of the teeth or the overall health of the mouth, it can still be a significant aesthetic concern for many individuals.

5.There is also a belif that diastema can only happen in the front teeth, it's not true. Diastema can occur in any teeth of the mouth.

In order to determine the best treatment option for diastema, it is important to consult with a dentist or orthodontist. They will be able to evaluate the specific causes of the diastema and recommend the most appropriate treatment.

a) One scientific fact about diastema is that it is more common in people of African descent and in people with a narrow upper jaw,

b)Another scientific fact is that diastema is more common in females than in males. This may be due to the fact that females typically have smaller jaws than males.

c) Diastema can also be caused by the eruption of certain teeth, such as the canine teeth, which can push the front teeth apart. In these cases, orthodontic treatment may be necessary to reposition the teeth and close the diastema.

Therefore, qdiastema is a common condition that can be caused by a variety of factors. While there are many myths and beliefs surrounding diastema, it is important to understand the scientific facts in order to make informed decisions about treatment. If you are concerned about diastema, it is best to consult with a dentist or orthodontist to determine the best course of action. .With the right treatment, diastema can be successfully closed, improving the overall appearance of the smile and oral health

Scholars don't grow rich.

 Scholars don't grow rich like non-scholars

 There are  a number of reason s  why  most scholars grow rich like the non-scholars.In m article I have made attempts in addressing these phenomenon.

One reason is that many academic positions are not particularly well-paying. Professors at universities and research institutions often have a great deal of expertise in their field, but they may not earn salaries that are comparable to thosof people working in the private sector. Additionally, many academic positions are tenure-track, which means that the salaries and benefits are more secure, but may not be as high as in non-academic positions.

Another reason is tht many scholars are motivated by a desire to contribute to the advancement of knowledge rather than to accumulate wealth. For many academics, the rewards of their work come in the form of intellectual challenges and the satisfaction of making a meaningful contribution to their field

Additionally, the path to becomin a successful scholar can be quite lengthy and uncertain. It often requires a significant investment in time and resources, such as obtaining advanced degrees, writing and publishing papers, and building a reputation in the field. This can make it difficult to achieve financial stability.

It's worth noting that there are also some scholars who have been able to become quite successful, both financially and professionally, by creating companies or licensing their research to the private sector. However, this is still relatively uncommon and may not be the case for most scholars.

another reason that scholars may not grow rich like non-scholars is that the academic research is a highly competitive field, with many talented people vying for a limited number of positions and funding opportunities. This competition can make it difficult for scholars to achieve the level of success they desire, both financially and professionally.

Additionally, the nature of academic research often requires scholars to be very specialized and focused on a specific area of study. This can limit their opportunities for career advancement ad income-generating activities outside of their field of expertise.

Furthermore, In some countries, like developing countries, the government does not fund enough for education, scientific research, and higher education institutions which make it harder for scholars to grow rich, lack of funding makes it difficult for them to do well and make an impact on the field of study,

Moreover, Scholars often work under pressure to publish papers in order to maintain their academic position and career progression, this may lead to many time being invested in research and writing papers and less time to spend on other income-generating activities.

Additionally, Scholars may also face limitations on their ability to take on outside consulting or speaking engagements, due to conflicts of interest and ethical considerations.

It's also worth noting that the very nature of academia is not generally set up for people to generate wealth, but rather to contribute to the collective knowledge of society. And indeed many of the contributions from scholars may not bring them personal wealth, but are important for the betterment of society and future generations.

It's worth noting that while scholars may not become financially wealthy, many still lead very fulfilling lives and make a significant impact in their field of study. Additionally, many scholars are able to achieve a level of financial security and stability that allows them to focus on their work and passions.

Another important point to consider is that, for many scholars, the rewards of their work go beyond financial gain. Many find great satisfaction in the intellectual challenges of their research and the opportunity to make a meaningful contribution to the advancement of knowledge in their field.

In addition, it is important to remember that wealth and success are not always synonymous. Many people who hve achieved great success in their field of study or have made a significant impact in the world have not necessarily become wealthy.

Overall, while scholars may not grow rich like non-scholars, they still have the opportunity to make a meaningful and valuable contribution to society through their work and research.

Thanks for having time to read my article, please leave a comment.