IMITATION — Popular messaging app Whatsapp has earned the highest form of flattery after X, formerly Twitter, copied one of its features in a bullying gesture a few weeks after the copycat, Elon Musk, challenged Mark Zuckerberg to a cage match to settle scores arising from business jealousy.
X or Twitter, for hardliners who have refused to move on, has copied the WhatsApp texting feature of reactions, and now users can communicate how they feel about a message using any emojis as the imitation removed the previous limitation whereby X users could either thumb or love react on messages in their DMs. Nothing more.
Undeterred, the AI activist further replicated Meta’s independent-reply option of singling out a message before responding to it – swipe and reply in WhatsApp terms. People using Musk’s app can choose to reply to a specific Twitter text by tapping on the message and then clicking the three dots menu icon to display the ‘Reply’ option.
Despite these massive changes that promote intimate forms of expression, Musk seems to be fretting and afraid to boast about it as known of his character. In his X account, the world’s richest man has not announced the changes but said, “Something special coming soon” on July 29th. Maybe this was the prophecy in waiting.
Gmail is still on its campaign for the new Google Account inactivity policy that seeks to shed off a population of users who have not logged into their accounts since 2021.
According to this popular and most preferred emailing service, users who have not either read or sent emails, used Google Drive, watched a YouTube video, shared a photo, downloaded any app, used Google Search, or signed in to a third-party app or service for two years will lose their Gmail accounts forever on December 1, 2023.
“When your Google Account has not been used, within a 2-year period, your Google Account, that is then deemed inactive, and all of its content and data may be deleted,” its parent company Google firmly narrates, adding, “the earliest we would enforce any account deletion would be December 2023.”
However, Gmail will not delete all accounts in this policy. There are exceptions for Google’s die-hard fans. Gmails that have made at least a once-off purchase of any Google product and Google Play publishers accounts with apps on PlayStore, including those that manage a minor on Family Link will be spared in the purge.
In a cryptic communiqué from Google, supposedly to be read by users who will lose their accounts later in the year, the technology company that founded Gmail in 2004 says that by “having strong privacy practices,” it decided to do a massive data wipeout “to protect your private information and prevent any unauthorized access to your account even if you’re no longer using our services.”
Gmail accounts pending deletion can still be rescued by a simple login. Check the mailbox of your recovery email (if any) if you cannot access your main account to find out if it will be deleted.
The Court of Appeal lifted the preliminary injunction barring the implementation of the Finance Act 2023, still when many Kenyans are experiencing a systemic financial crisis given the harsh economic conditions characterized by hiked oil, electricity, food, and other basic commodity prices and perpetual unemployment problem.
Many of them had not even adjusted to the rise of the Central Bank of Kenya’s key interest rate by a point from 9.50% to 10.50% on June 26th, which resulted in burdensome loan costs for businesses and consumers alike.
The enforcement of the Finance Act 2023 comes with significant tax changes, with the notorious among them being the progressive housing levy which will see even those with small shoulders carry a heavy burden – it literally increases with an increase in earnings, so?
The latest firm to respond to one of the many Finance Act tax calls is Safaricom PLC which announced changes to its Mpesa sending and receiving money charges to reflect the jump in the excise duty charges on mobile money transfer services from 12-15%.
The cost of withdrawing and sending money using Mpesa has since risen, and the mobile operator published new rates that have been operational since July 29th. Take a look at the new Mpesa tariffs;
Mpesa transfer fees 2023
Amount
Pochi la Biashara and Mpesa send money to Mpesa users charges
Mpesa send money to Airtel Money and T-Kash charges
Mpesa withdrawals at agents or Safaricom outlets charges
Ksh1 – Ksh49
Free
Free
N/A
Ksh50 – Ksh100
Free
Free
Ksh11
Ksh101 – Ksh500
Ksh7
Ksh7
Ksh29
Ksh501 – Ksh1,000
Ksh13
Ksh13
Ksh29
Ksh1,001 – Ksh1,500
Ksh23
Ksh23
Ksh29
Ksh1,501 – Ksh2,500
Ksh33
Ksh33
Ksh29
Ksh2,501 – Ksh3,500
Ksh53
Ksh53
Ksh52
Ksh3,501 – Ksh5,000
Ksh57
Ksh57
Ksh69
Ksh5,001 – Ksh7,500
Ksh78
Ksh78
Ksh87
Ksh7,501 – Ksh10,000
Ksh90
Ksh90
Ksh115
Ksh10,001 – Ksh15,000
Ksh100
Ksh100
Ksh167
Ksh15,001 – Ksh20,000
Ksh105
Ksh105
Ksh185
Ksh20,001 – Ksh35,000
Ksh108
Ksh108
Ksh197
Ksh35,001 – Ksh50,000
Ksh108
Ksh108
Ksh278
kSH50,001 – kSH150,000
Ksh108
Ksh108
Ksh309
As seen in this table showing the newest Mpesa transaction charges after the Act was adopted, admittedly, the expenses incurred when sending, receiving, and withdrawing money is quite high in the uncertain economy where money is very tight. Most banks also reviewed their tariffs upwards.
Because “complaining about a problem without posing a solution is called whining” (quoting Teddy Roosevelt, the 26th President of the United States), how can you cost-cut on these expenses to ensure you have a shilling left to add some cash back to your wallet as savings? You can open a bank account that has zero charges when making bank-to-Mpesa transfers. Fortunately, there is one in Kenya. Learn more:
Which banks have free bank to Mpesa transfers in Kenya? (2023)
I&M Bank — is the only bank offering free bank account to Mpesa money transfers in Kenya despite the spike in excise duty interest rate after the implementation of the Finance Act and the previous Central Bank of Kenya’s removal of the Covid era policy at the start of the year that allowed customers to conduct most financial transactions for free.
With I&M Bank personal accounts like I&M On The Go and I&M Savers Account, you will not incur service charges when moving funds from Mpesa to the I&M bank account or bank account to Mpesa and even on Airtel Money.
Big banks like Equity Bank, NCBA, KCB Bank, Absa, Coop, Standard Chartered, Stanbic, and Diamond Trust Bank charge average service fees of Ksh12 for amounts more than Ksh100, Ksh50 for transferring above Ksh3,500 to Mpesa wallets up to around Ksh65 for monies exceeding Ksh20,000.
I&M Bank can be a good way to save money while enjoying the freedom of free Mpesa and Airtel Money transactions. To open an account with this leading banker, download the I&M On The Go Personal > launch the app on your phone > select the type of bank account to register > enter your details, and complete the signup. You will only need your national ID and Ksh1,000 for activating your account (opening balance).
The Kenyan gambling industry is a major economic force if a recent report by the Kenya Revenue Authority (KRA), released in July 2023, is anything to go by. According to the taxman, legal online gaming sites and casinos rang up a record Ksh15.1 billion in betting Excise Duty and Withholding Tax when comparing collections made within the same period in the Financial Year 2021/2022. This was a 30% rise.
When you do the math, taking into account the 7.5% Excise Duty on stakes and the 20% applicable Withholding Tax on winnings, Kenyans gambled away a record-breaking amount close to Ksh100 billion, demonstrating the country’s number one position as the largest sports betting market in Africa with over 83.90% saying they have ever gambled for money at least once in their lives as per a Geopoll Research.
This is a clear sign that starting a gambling business might be a lucrative venture for you, the investor. But how do you get a gambling license in Kenya? Here is a step-by-step guide:
How to start a betting business in Kenya
In Kenya, the landscape of sports betting and other forms of gambling comprises bookmakers – online betting sites like Betika and Sportpesa – public gaming, which are casinos and public lotteries that are run by organizations like Lotto and Kenya Charity Sweepstake Ltd.
The gambling industry is regulated by the Betting Control and Licensing Board (BCLB), a government body under the Ministry of Interior and National Administration. BCLB is currently headed by Chief Executive Officer (CEO) Peter Mbugi.
If you want to start an online betting site or a casino, follow these steps;
1. Draft a plan showing how your gambling business is to operate, pointing out all sources of funding, and keep a record for submission to BCLB
2. Move to register your business as a limited company with the Registrar of Companies at UpperHill Chambers in Nairobi or online via eCitizen and costs around Ksh10,650 to get a certificate of incorporation
3. Get a certificate of good conduct of the directors alongside KRA PINs and tax compliance certificates, supported by a CR12 form from the Registrar of Companies
4. Write a statement on how your betting company will regulate excessive play and underage participation and fill out the Probity form for due diligence. Also, state how the gambling entity will benefit Kenyans as community kickbacks
5. Declare the company that will supply gaming odds to your gambling company with the forms of betting you will offer, e.g virtual, live bets, etc
6. On the BCLB website, download the respective registration form to complete your application. Form 1A are application forms for bookmakers and public gaming. Applicants of public lottery businesses should download Form 9
7. Fill out this form and submit it with the other documents in person at BCLB National Office at Kenya Charity Sweepstakes House, 3rd and 8th Floor, Mama Ngina Street, Nairobi
8. Pay the applicable fees
What is the cost of getting a gambling license in Kenya?
These are computed costs of starting a gambling business in Kenya. They are sums of first-time application fees, license grant fees, premises grants, annual operating fees, and investigation fees that must be paid to BCLB when submitting your application document to get licensed. These fees are non-refundable:
BCLB license for;
New application cost
Renewal fee
Bookmakers e.g Betika
Kenyans – Ksh460,000
Foreigners – Ksh910,000
Kenyans – Ksh155,000
Foreigners – Ksh155,000
Public gaming e.g Dukabet
Kenyans – Ksh4,750,000
Foreigners – Ksh5,500,000
Kenyans – Ksh525,000
Foreigners – Ksh525,000
Public lottery e.g Lotto
Kenyans – Ksh6,000,000
Foreigners – Ksh6,500,000
Kenyans – Ksh525,000
Foreigners – Ksh525,000
As of November 2022, the number of registered bookmakers, public gaming companies, and public lotteries was 105, 57, and 13, respectively, as per data from BCLB Kenya.
The Malay apple, a unique and exotic tropical fruit, has found its way into Nigeria, captivating taste buds and gaining popularity among both young and old. Originally hailing from the Indo-Malayan region, this majestic fruit thrives in the lush lowlands and forests of Southeast Asia.
The Malay apple tree is a sight to behold, admired for its stunning flowers and glistering, colorful fruits. Today, you can find these trees flourishing in various states across Nigeria, enhancing the beauty of homes, gardens, and farms.
If you’re considering growing Malay apple in Nigeria, here’s what you need to know:
Climate and Soil: Malay apple is strictly tropical and intolerant of frost or cold temperatures. It thrives best in regions with year-round rainfall, but it can also tolerate seasonal rain as long as there are no extended dry periods. Ensure that the soil is well-drained and rich in organic matter to support healthy growth.
Planting: Malay apple trees can be planted in homes, gardens, and farms. Choose a sunny spot with adequate protection from strong winds. The tree’s prolific nature will reward you with approximately two thousand apples per tree per harvest, yielding two to three harvests annually when fully mature.
Nutrient-Rich and Medicinal: Beyond its delicious taste, the Malay apple boasts remarkable health benefits. The flesh of the apple contains epicatechin, which contributes to lowering high blood pressure and detoxifying the body. Its rich fiber content aids in resolving constipation, while its high water content helps in hydration. Additionally, it contains essential vitamins and minerals like vitamin A and C, which promote clearer vision and prevent skin cancer.
Utilization: The ripe Malay apple is a delightful treat, enjoyed raw with its thin skin and crisp, white flesh. Slightly unripe fruits can be used for making jelly and pickles, while processing them can result in red and white table wines. You can also create sweet jams and preserves from ripe apples or chop raw pieces for use in fruit salads and salsas. The young leaves and shoots, before turning green, can be consumed raw with rice or cooked as greens.
Health and Medicinal Uses: The Malay apple has been traditionally used in various regions for medicinal purposes. In Malaysia, the powder from dried leaves is employed on a cracked tongue, and a preparation of the root is a remedy for itching and swelling. In Cambodia, the roots, leaves, and seeds are used to allay fever, while in Brazil, different parts of the Malay apple tree serve as remedies for constipation, diabetes, coughs, headaches, catarrh, and other ailments.
With the knowledge of its remarkable health benefits and versatility, growing Malay apple in Nigeria can be a rewarding venture. Embrace the wonders of this tropical gem and embark on a journey of cultivating this exquisite fruit in your very own backyard.
About the Author:
Gbenga Akinyemi is a dedicated agricultural expert with a background in Crop Production and experience at the Nigerian Institute for Oilpalm Research (NIFOR). Having taught Agricultural Science and managed a catfish and Oilpalm production farm, he is currently pioneering Malay apple farming in Nigeria since 2008.
For more information or to explore the world of Malay apples, feel free to reach out to Gbenga Akinyemi via WhatsApp at +234 915 088 7543 or email at akinyemi1972@yahoo.com.
A SIM (Subscriber Identity Module) card is an integral object in our phones. They store the data of a cell phone user and contain a unique identifying code called a phone number, allowing one to make and receive calls. Further, they are used when registering for various services like banking, social sites, gambling, and many more. They are part of our lives.
If you happen to lose a sim card, you cannot communicate or connect to the internet lest you replace it. So what if your SIM card is given to someone else because you’ve been inactive for a while because of school, work-related issues, or just busy? It can get your blood sugar levels skyrocketing! As you cannot even make any password changes in your personal accounts since you lack the reset code. That is just one problem among many.
Safaricom, the largest mobile operator in Kenya with over 40 million subscribers as of 2023, gives away or recycles SIM cards after 120 days of inactivity. According to its Conditions of Use of the Safaricom Service, the days are counted immediately after the expiry of the last recharge made to the SIM account, and when the 3-month period has ended, the Safaricom line is said to have ‘expired.’ It is then suspended, disconnected, and put on the market for a new customer to grab it.
The good news is that you can prevent your Safaricom line from being given away to somebody else through the Daima Service, which was launched in October 2022 “to address the challenge of inactive lines for customers who may be traveling or living abroad for long periods, are away at school, are away at police and army training, have a change of ownership of line situation due to loss of a loved one, for car tracking service or have multiple lines that they wish to keep active.”
Learn more about Safaricom Daima Service:
How to join Safaricom Daima Service
Safaricom Daima Service allows customers to keep their SIM cards active when they are inactive to protect their mobile numbers from being sold to someone else. This service is only available to Safaricom Prepay customers and is accessed in the following steps;
1. From your Safaricom SIM card, dial USSD *100#
2. Go to Option 4, ‘My Account’
3. Select Option 98 ‘MORE’ and choose 9 ‘Daima (keep line active)’
4. Select Option 1, ‘Activate’
5. Choose the Daima Service package depending on your budget – Ksh200 to Ksh1,000
6. Proceed to the next USSD window to make payments via airtime, Mpesa, or Bonga Points
Safaricom Daima Service payments are processed internally, and you don’t need a Mpesa transaction till or a paybill number. You will receive a message confirming the purchase immediately after making the payment.
How much is Safaricom Daima Service?
Safaricom Daima Service allows customers to keep their SIM cards for either six months, a year, or two years. Literally, the longer the period you want to keep your line active, the more money you’ll pay.
To keep your Safaricom line active for six months, you will pay Ksh200 or 606 Bonga Points, Ksh500 or 1515 Bonga Points for one year of Daima Service, and Ksh1,000 or 3030 Bonga Points to protect your number from being sold for two years.
How does Safaricom Daima Service work?
From the day of subscription, Safaricom will reload your SIM card with 20 Minutes + 20 SMS every month to keep your line active. During the time when Daima Service is on, you can continue to use your line normally and even use the allocated minutes as you wish when you return from inactivity.
The words ‘Kenyan Embassy’ and ‘Kenyan High Commission’ come up frequently in discussions of the Ministry of Foreign Affairs, during passport or visa applications, when talking about ambassadors and other issues pertaining to transactions, relationships, and interests of Kenya with other countries. These words tend to confuse, and one can mistakenly use Embassy instead of High Commission and vice versa when making statements or mentioning something about it. What is the difference between Embassies and High Commissions in Kenya?
Kenyan Embassies and Kenyan High Commissions are both diplomatic missions spread in various parts of the world. The main difference between an Embassy and High Commission is that Embassies are official representations of Kenya in countries that are not members of the Commonwealth, while High Commissions are diplomatic missions sent to Commonwealth member countries.
Exploring it further, Commonwealth is a voluntary association of countries that were colonized by Britain, and Kenya is a member. So, when Kenya sends a representative to a country like Uganda, which shares a historical connection as a former British protectorate, the diplomatic mission is a High Commission.
On the other hand, when Kenya sends diplomats to carry out its foreign policy in the United States of America (USA) or Saudi Arabia, they are recognized as Ambassadors, heading an Embassy, and not a High Commission because neither of the two is a Commonwealth member nor have any historical ties.
Embassies are headed by Ambassadors, while High Commissioners are the highest-ranking officials in Kenya’s High Commissions in Commonwealth countries.
Full list of Kenyan Embassies
Here is a list of Kenyan Embassies in various countries in the world. They are 33 in number;
1. Embassy of the Republic of Kenya, Harare – Zimbabwe
2. Embassy of the Republic of Kenya, Luanda – Angola
3. Embassy of the Republic of Kenya, Kinshasa – Congo
4. Embassy of the Republic of Kenya, Addis Ababa – Ethiopia
4. Embassy of the Republic of Kenya, Mogadishu – Somalia
5. Embassy of the Republic of Kenya, Juba – South Sudan
6. Embassy of the Republic of Kenya, Khartoum – Sudan
7. Embassy of the Republic of Kenya, Cairo – Egypt
8. Embassy of the Republic of Kenya, Dakar – Senegal
9. Embassy of the Republic of Kenya, Algiers – Algeria
10. Embassy of the Republic of Kenya, Muscat – Oman
11. Embassy of the Republic of Kenya, Riyadh – Saudi Arabia
12. Embassy of the Republic of Kenya, Tel Aviv – Israel
13. Embassy of the Republic of Kenya, Tehran – Iran
14. Embassy of the Republic of Kenya, Ankara – Turkey
15. Embassy of the Republic of Kenya, Bangkok – Thailand
16. Embassy of the Republic of Kenya, Beijing – China
17. Embassy of the Republic of Kenya, Seoul – Korea
18. Embassy of the Republic of Kenya, Tokyo – Japan
19. Embassy of the Republic of Kenya, Moscow – Russia
20. Embassy of the Republic of Kenya, Rome – Italy
21. Embassy of the Republic of Kenya, Paris – France
22. Embassy of the Republic of Kenya, Madrid – Spain
23. Embassy of the Republic of Kenya, Berlin – Germany
24. Embassy of the Republic of Kenya, Dublin – Ireland
25. Embassy of the Republic of Kenya, Stockholm – Sweden
26. Embassy of the Republic of Kenya, Brasilia – Brazil
27. Embassy of the Republic of Kenya, Havana – Cuba
28. Embassy of the Republic of Kenya, Washington – USA
29. Embassy of the Republic of Kenya, The Hague – Netherlands
30. Embassy of the Republic of Kenya, Jakarta – Indonesia
31. Embassy of the Republic of Kenya, Brussels – Belgium
32. Embassy of the Republic of Kenya, Vienna – Austria
33. Embassy of the Republic of Kenya, Bern – Switzerland
Full list of Kenyan High Commissions
Here is a list of Kenya’s diplomatic representation in Commonwealth member states;
1. High Commission of the Republic of Kenya, Pretoria – South Africa
2. High Commission of the Republic of Kenya, Gaborone – Botswana
3. High Commission of the Republic of Kenya, Windhoek – Namibia
4. High Commission of the Republic of Kenya, Lusaka – Zambia
5. High Commission of the Republic of Kenya, Maputo – Mozambique
6. High Commission of the Republic of Kenya, Dar es Salaam – Tanzania
7. High Commission of the Republic of Kenya, Kampala – Uganda
8. High Commission of the Republic of Kenya, Abuja – Nigeria
9. High Commission of the Republic of Kenya, Accra – Ghana
10. High Commission of the Republic of Kenya, Canberra – Australia
11. High Commission of the Republic of Kenya, Kuala Lumpur – Malaysia
12. High Commission of the Republic of Kenya, New Delhi – India
13. High Commission of the Republic of Kenya, Islamabad – Pakistan
14. High Commission of the Republic of Kenya, London – England
15. High Commission of the Republic of Kenya, Ottawa – Canada
Note: Concerning Embassies and High Commissions are Consulates – extra or additional diplomatic offices in a big country where an Embassy cannot coordinate the entire business alone. For example, because the US is a big nation, there is a Kenyan Consulate in Los Angeles that assist in the provision of services to visiting citizens in that country. They work under the authority of the Embassy.
Sudan-linked hackers have reportedly breached the eCitizen online portal as part of a recently targeted retaliation after President William Ruto’s proposal of paramilitary action by sending peacekeeping troops to the country facing political unrest was met with resentment by General Yasir Alatta, the Assistant Commander-in-Chief of the Sudan Armed Forces.
On the better part of Wednesday and Thursday, July 27, the eCitizen website suffered an outage, barring citizens from accessing the primary government site, which offers over 5,000 services of 100+ ministries and departments, and manages government records.
Unknown Sudanese hackers have taken credit for the attack, saying, in a statement, “We still hacked the eCitizen portal for the 3rd day in a row, and we will continue to down it for as long as we can.”
The eCitizen cyberattack compromises sensitive data from Kenyans, government agencies, and parastatals. At the time of the reporting, neither the ICT Authority of Kenya (IDA), foreign affairs ministries of both countries nor the Ministry of Interior and National Administration of Kenya had released an update.
This development comes days after the Kenya Bureau Of Standards (KEBS) fell victim to the Rhysida ransomware group, which gained access to highly valuable data “for auction in their darkweb portal,” as per cybersecurity company FalconFeedsio.
For many people strapped for cash, a bank or a Sacco is always the first stop. But when their credit is in bad shape, it can be a fool’s errand, impossible to achieve. That is why borrowing money from nonbank financial institutions (NBFI) like Ngao Credit Limited might serve as a lifeline.
Ngao Credit Limited is a credit-only entity that has been operational since 2009 upon setting up its first-ever branch in Nairobi’s Upperhill area. This nonbank financial company was formed to cater to the needs of vehicle owners, allowing them to borrow flexible logbook loans using their cars as security.
With this logbook lender, you can get a quick loan to fund a variety of needs or boost your business. Here is everything you need to know about Ngao Credit Limited loans:
Ngao Credit Limited loan products
Ngao Credit is committed to the financial health of its consumers. Because it is a non-deposit-taking facility, one is not required to have a registered account or a line of credit with Ngao Credit Limited. Explore its loan products:
Ngao Credit Logbook Loan
Within six hours after submitting your vehicle logbook, which shows that you are the rightful owner of the car, you stand to receive a flexible loan with competitive interest rates of 3.5% per month from Ngao Credit Limited with a repayment term of up to 24 months.
Requirements for Ngao Credit Limited Logbook Loan
* Original logbook
* KRA PIN
* National ID
* Last 12 months’ bank statements
* Post-dated cheques
* Comprehensive insurance
Any Kenyan citizen with a logbook and an assured source of income may borrow this product. After submitting your car registration documents to Ngao Credit Limited, you can access up to 60% of the value of your car – the minimum logbook loan is Ksh100,000, while the maximum loan amount is Ksh5 million.
Ngao Credit Asset Finance
Ngao Credit Limited offers specialist asset finance solutions that fit your requirements. Ngao Credit Asset Finance provides up to 70% financing to customers seeking to acquire new or second-hand cars from local or foreign vehicle dealerships.
Requirements for Ngao Credit car finance
* Invoice from an auto dealership
* KRA PIN
* National ID
* Previous 12 months’ bank statements
* Comprehensive insurance
Ngao Credit Asset Finance loan limit is Ksh4 million, has minimal initial cash outlays, and the repayment period can be spread over 36 months, making it very flexible to consumers. Also, there are no origination fees because they are included in loan amounts. Be in the know that the oldest car you can get should be of the manufacturing years 2004 and 2006 and not past that.
Ngao Credit Jijenge Business Loan
Business owners seeking funds to meet working capital requirements by maintaining cash flow may seek flexible funding through Ngao Credit Jijenge Business Loan using their vehicle logbook.
Ngao Credit Jijenge Business Loan is a loan that is secured against your car. You can borrow up to 60% of your vehicle value, with fixed and variable rates of 3.5% to 7.5% depending on the type of product and repayment terms.
Requirements for Ngao Credit business loan
* Original vehicle logbook (latest 2004)
* KRA PIN
* National ID
* Bank statements for the past 12 months
* Comprehensive car insurance
* Forward-dated cheques
The loan limit of this business loan range from Ksh100,000 to Ksh5 million and has zero processing fees. When you take Ngao Credit Jijenge Business Loan, you must repay the principal within three months.
How to apply for Ngao Credit loans online
Ngao Credit Limited offers financing that enables your business to grow and other forms of loans for emergencies and other uses. In fact, there are no restrictions on the usage of allocated funding. To apply for loans, you can request a callback, after which the customer relationship officer will reach you within two business days. Follow these steps:
1. Visit www.ngaocredit.com
2. At the homepage, scroll down to ‘Request Callback’ below the main content area
3. Enter your personal details like name, email address, and phone number
4. Tell the make of your car for logbook loans and enter its year of manufacture
5. Click ‘Submit’
This is the first step of applying for a Ngao Credit Limited loan. You’ll get a call from the customer representative on the same or the next business day to discuss the best loan products for you. You can also dial Ngao USSD *725# and apply.
Ngao Credit Limited branches in Kenya
You can apply for Ngao Credit loans when you visit one of these branches:
Marriage is defined as the union of two people either legally or formally as partners in a personal relationship.
Divorce on the other hand is the legal dissolution of a marriage by a court or other competent body.
Rules governing marriages in Kenya
The Marriage Act, 2014 defines marriage as a voluntary union of a man and a woman whether in a monogamous or polygamous union, and registered under this Act.
You can get married in Kenya if;
You are aged 18+
You are in an opposite-sex relationship
You are not married or in a civil partnership with someone else
You can understand what marriage means and of consenting to marriage
The Marriage Act, of 2014 recognizes five (5) systems of Marriage, namely:
The parties to a marriage celebrated under this may seek the services of any reconciliation bodies established for that purpose that may exist in the public place of worship where the marriage was celebrated.
A party to a marriage celebrated this may petition the court for a decree for the dissolution of the marriage on the ground of—
one or more acts of adultery committed by the other party;
cruelty, whether mental or physical, inflicted by the other party on the petitioner or on the children, if any, of the marriage; or
desertion by either party for at least three years immediately preceding the date of presentation of the petition; (d)exceptional depravity by either party;
the irretrievable breakdown of the marriage.
Civil marriage
A party to a marriage celebrated under this may not petition the court for the separation of the parties or for the dissolution of the marriage unless three years have elapsed since the celebration of the marriage.
A party to a marriage celebrated under Part IV may only petition the court for the separation of the parties or the dissolution of the marriage on the following grounds—
adultery by the other spouse;
cruelty by the other spouse;
exceptional depravity by the other spouse;
desertion by the other spouse for at least three years;
the irretrievable breakdown of the marriage.
The petitioner may file the petition with the court for the separation of the parties or the dissolution of the marriage despite any effort to reconcile the parties. The court may refer a matrimonial dispute that arises in a marriage celebrated under this to a conciliatory process agreed between the parties. The proceedings for the dissolution of a marriage celebrated may be adjourned for a period not exceeding six months as the court may think fit—
for the court to make further enquiries; or
for further attempts at reconciliation to be made by the parties to the marriage.
A marriage has irretrievably broken down if—
a spouse commits adultery;
a spouse is cruel to the other spouse or to any child of the marriage;
a spouse willfully neglects the other spouse for at least two years immediately preceding the date of presentation of the petition;
the spouses have been separated for at least two years, whether voluntary or by decree of the court, where it has;
a spouse has deserted the other spouse or at least three years immediately preceding the date of presentation of the petition;
a spouse has been sentenced to a term of imprisonment of the for life or for a term of seven years or more;
a spouse suffers from incurable insanity, where two doctors, at least one of whom is qualified or experienced in psychiatry, have certified that the insanity is incurable or that recovery is improbable during the lifetime of the respondent in the light of existing medical knowledge; or
any other ground as the court may deem appropriate.
Where a foreign court has granted a decree in matrimonial proceedings whether arising out of a marriage celebrated in Kenya or elsewhere, that decree shall be recognized in Kenya if—
either party is domiciled in the country where that court has jurisdiction or had been ordinarily resident in Kenya for at least two years immediately preceding the date of institution of proceedings;
being a decree of annulment, divorce or separation, it is effective in the country of domicile of the parties or either of them.
Customary marriage
A Party to a marriage celebrated under Part V may “petition the court for the dissolution of the marriage on the ground of—
adultery;
cruelty;
desertion;
exceptional depravity;
irretrievable breakdown of the marriage;
any valid ground under the customary law of the petitioner.
Hindu marriage
A party to a marriage celebrated under Part VI may petition the court for the dissolution of the marriage on the ground that—
the marriage has irretrievably broken down;
the other party has deserted the petitioner for at least three years before the making of the petition
the other party has converted to another religion;
since the celebration of the marriage, the other party has committed rape, sodomy, bestiality or adultery;
the other party has committed cruelty on the other;
The other party has committed exceptional depravity towards the other.
Islamic marriage
The dissolution of marriage celebrated under Islam shall be governed by Islamic law.
A party to a marriage may petition the court to annul the marriage on the ground that;
the marriage has not been consummated since its celebration;
at the time of the marriage and without the knowledge of either party, the parties were in a prohibited relationship;
in the case of a monogamous marriage, at the time of the marriage one of the parties was married to another person;
the petitioner’s consent was not freely given;
a party to the marriage was absent at the time of the celebration of the marriage;
at the time of the marriage and without the knowledge of the husband, the wife is pregnant and the husband is not responsible for the pregnancy; or
at the time of the marriage and without the knowledge of the petitioner, the other party suffers recurrent bouts of insanity.
Divorce proceedings in Kenya are commenced by filing a divorce petition. The person filing this document is known as a petitioner.
The Petition signifies that a spouse desires to end their marriage which subsequently initiates the process of divorce. The Petition outlines the grounds for divorce and is accompanied by the following documents: –
Verifying Affidavit– this is a legal document that sets out the petitioner reaffirms the contents of the divorce petition that they have brought before the court, and which is made by
Notice to Appear– this is a legal document that is served to the respondent to be reminded that they are supposed to appear in court failure to which the case will continue, and judgment will be given in their absence.
List of Witnesses and their statements– this is a legal document that sets out the persons that the petitioner wishes to use in the divorce petition that will testify on their behalf
List of Documents– this is a legal document that sets out the supporting documents that the petitioner will use in their divorce
Once the Petition is filed, it is served together with the Notice to Appear, notifying the Respondent of the case. Once the Respondent acknowledges receipt, he is required to enter appearance and file a Defense and/ or a Cross Petition.
How to reserve a Business name in Somalia?
Individuals submitting a request must have an SBRL account. (Somali Business Registration and Licensing System)
The Business Name...
