Ctone Media

Category: News

  • Expect The Unexpected: Konshens Seen Enjoying The Company of Amber Ray

    Expect The Unexpected: Konshens Seen Enjoying The Company of Amber Ray

    Konshens, the Caribbean King of Dancehall has found himself in a lucky place here in Kenya with the company of the beautiful Kamba bae Amber Ray.

    There is a charm that Amberay has that seems to attract men with money and status in the society. It is not long since she broke up with Jimal Rohosafi, a renown businessman and the chairman of the Nairobi Matatu operators.

    Amberay was spotted with KRG the Don and Konshens, there are speculations that the two musicians might be planning to release a collabo but you never know.

    In one of the videos shared online, Konshens praises Amberay in a manner that raises eyebrows. In the video, the Bruk Off Yuh Back artist is heard saying

    “Check out this is Konshens. I am here representing Amber. The most influencial somebody is all of East Africa. Catch her bumper. Big up Amber. Big up all mi Kenyan people. Big up all East African.”

    Garfield Delano Spence aka Konshens
    Konshens with Amberay

    Kenyans were not left out on this, below are some of the comments:

    cynthia_m.aina Kwishaaaaa wewe😂😂😂😂❤️🔥

    chebo_gibson Me naskia tu Amber😢❤️❤️❤️

    sash.msk 🔥🔥🔥🔥🔥yoooh kamba nationa well represented by amberay❤️

    mercy_slim Looking lovely our Kenyan gal💙💙💙

  • 4 Shocking Newest Symptoms of Coronavirus

    4 Shocking Newest Symptoms of Coronavirus

    1. Chickenpox-like rashes

    Chickenpox-like rashes on a COVID-19 Patient

    Recent findings have shown that people with COVID-19 exhibit either hives or rashes resembling to the ones shown by Chicken pox patients. These rashes can also be present in the feet. This particular symptom is unusual.

    2. Anosmia and Dysgeusia

    COVID-19, patients exhibit Anosmia and Dysgeusia

    A new and interesting symptom of Covid-19 is loss of the sense of smell and taste impaired which are known as anosmia and Dysgeusia respectively. Regardless of the fact that anosmia and dysgeusia can take place with other upper respiratory viral conditions due to nasal congestion, the interesting thing with coronavirus is that they can be the initial and only symptoms.”

    3. Blood Clots

    The Blood Clotting Process: What Happens if You Have a Bleeding Disorder | HemAware

    There are new findings indicating that COVID-19 might be damaging the inner linings of blood vessels thus resulting in blood clotting. This can also be a variable to support the high morbidity rates among people with heart conditions, hypertension and diabetes.

    Pink Eye

    An ophthalmologist, particularly Dr Yuna Rapoport has noted that he has seen COVID conjunctivitis many times while in the hospital. Usually, its depicted by evidence of itchiness, red eyes, waters and at times, there is a clear discharge among COVID-19 patients.

  • What You Don’t Know About Willy Paul?

    What You Don’t Know About Willy Paul?

    Willy Paul, branded pozze or “bwana mkunaji” was born Wilson Abubakar Radido. He is a Kenyan controversial musician who started his music career as a gospel artist but later transformed into secular music.

    What you know about Willy Paul

    Poze is known for having done numerous hit songs such as “I do” featuring Alaine from Jamaica, ” Njiwa” featuring Nandy from Tanzania, “Hallelujah” featuring Nandy, “Sikireti” featuring Cecil from Jamaica, “Nobody” featuring Yemi Alade from Nigeria, “Mmmh” featuring @rayvanny from Tanzania, “Jigi Jigi, Kanungo, Malingo”, and “You Never Know.”

     What You Did Not Know About Willy Paul

    Willy Paul’s Profile

    Born: 1, September 1993 in Mathare, Nairobi

    Age: 28 years old as of 2021

    Origin: Kenyan/Kenyan

    Marital status: Single

    Occupation: Singer

    You also know that he is very controversial and has been associated with countless accusations of abusing women sexually although he has denied all accusations. The latest accusation involves Miss Picassa, his signee at Saldido International.

    Willy Paul Name

    Wilson Abubakar Radido is the real name of Willy Paul. He is also known as Wilson Shikwekwe Radido.

    Willy Paul Age

    Wilson Shikwekwe Radido was born to Mr. and Mrs. Paul Radido in September 1993 in Mathare, Nairobi. How Old Is Willy Paul? He is 26 years old as of 2019.

    Willy Paul Education

    Willy entered the Brainhouse school in Mathare area for his high school qualification. Regrettably, due to poverty, he had to drop out in form three. Notwithstanding, in 2013 Willy Paul determined to register for the KCSE exams. Willy used the help of tutors as he homeschooled. After results were out, Willy Paul revealed his desire to study overseas. Nevertheless, he is yet to say whether or not he registered or concluded studies in the US.

    Willy Paul Family Background

    In 1993 September, Wilson Shikwekwe Abubakar Radido was born to Salome and the late Paul Opondo Radido. He is the last born in a family of three. Willy’s dad was a carpenter by occupation while his mum is a hairdresser. Developing up in Mathare area 3, Willy observed his dad fight to make ends meet. In an interview with Citizen TV Willy Paul recounted how they had to go starving or at times eat twice a week. In 2010, Willy Paul’s dad went to be with the Lord, and his mum became the sole provider.

    What ensued was a period of misery and struggles. In an Instagram post, Willy lettered how his family had to struggle to raise cash for a coffin and even with four thousand five hundred Kenyan shillings they could not accord his father a good send-off. He moreover stated that they had to conclude for a coffin with holes. For Willy Paul, remembering his childhood can be a bit tough as some may think he is looking for sympathy.

    Willy Paul Music Journey

    His major breakthrough in music came in 2010 when he co-authored his first single Sitolia with Gloria Muliro, which a reflection of his life history, portraying the struggles he had gone through but giving himself a renewed hope that God had been faithful enough to bring him to the publicity.

    On Thursday 5 December 2013, he originated his first album which had songs like  You never know, Lala Salama,Mpenzi and Kitanzi at the KICC graced by musicians Daddy Owen, Ben Githae, Gloria Muliro, DK Kwenye Beat, Ben Bahati, Bahati, Men Of God (MOG), Size 8, Mr Seed, Shiru Wa GP, Betty Bayo, Danny Gift, DJ Sadic and DJ Mo

    He declared that he would be touring the USA where he would perform in various Churches in 12 states. The tour arranged by Talanta Awards was to commence on 8 March to April 2014. The tour nonetheless started on 10 March in Sacramento, California. He performed beside artiste Polly Odotte at the House of Glory Church. He then went to Neema Gospel Church in Dallas, TX and on 15 March, performed at St Louisiana, Missouri. On 29–30 March, Willy ministered to the audience at Neema Community Church in Overland Park, Kansas. He closed his tour on 27 April in Las Vegas, Nevada.

    The much gifted Willy Paul Msafi latterly found himself in controversy after his rival musician in the Gospel industry, Bahati, blamed him of plagiarizing his song. This saw Bahati’s fans pounce on Willy Paul with unrelenting criticism over the social media, allegations he denied to have perpetrated. Nevertheless, this stopped during the 10th annual Groove Awards Nominations which occurred on Wednesday 22 April 2015 held at the Nairobi Arboretum grounds. They were invited to reunite and were prayed for shortly in the event.

    Willy Paul Wife

    Willy has often dispensed his struggle to find a complete wife and even wrote a song about it. In the past, stories have associated him to several girls including Pendo, assertions that he dismissed, saying they never ‘happened’. He stated that he only dated Abigael for as long as he could remember. In 2017 speculations were prevailing that Willy had tied the knot with Jamaican sensation Alaine. Nevertheless, this was just a scene their song “1 do”. Currently, the Willy Paul is not married.

    He has dated video vixen Michelle Dyer who narrated to the pulse the cause of their break-up. She said the music star was insecure and sometimes got physical. “He cheated on me and he wasn’t loyal. We couldn’t get along as we had our differences. Him being a gospel artiste (he) did not appreciate and like my hustle like dancing and appearing in music videos,” Michelle told Pulse.

    “Sometimes, he abused me by hitting me. The first time he did it because of my phone. I had a late-night message from work and when I told him I wanted to reply he got insecure,” she revealed. As of 2018, he is rumored to be dating another woman.

    Willy Paul awards and recognition

    2012- Groove Awards winner the best new act
    2013- Groove Awards winner male artist of the year
    2014- Talanta Awards winner Best performer
    2014- Mwafaka Awards winner Male artist of the Year
    2014- Mwafaka Awards winner collabo of the Year (Kitanzi featuring Gloria Muliro)
    2015- Mwafaka Awards winner collabo of the year (Tam Tam featuring size 8)
    2016- Mwafaka Awards winner Male artist of the Year
    2016- AFRIMMA Awards winner Best gospel act, Africa
    2017- Pulse Music Awards Winner Male Video of the year
    2017- Pulse Music Awards Winner Most Viewed Video (Jigi Jigi)
    2017- Mdundo Awards winner Most downloaded single
    2017- Mdundo Awards winner Most downloaded gospel artist

    Willy Paul Secular Music Life

    In the year 2018, Willy Paul ditched gospel music for secular music. Nobody knows why he decided likewise but maybe it is because of the huge paychecks associated with secular music. He has gone further and collaborated with secular musicians to release hit songs. They include Khaligraph jones, Ommy Dimpoz, Alikiba, Rayvanny, Alaine, Nandy. His message to fans cursing his change of music is “stay calm, I got big surprises coming.”

    Willy Paul Net Worth

    How much is willy Paul net worth? Willy Paul net worth is estimated to be around Ksh 107 million.

    Willy Paul Songs

    1. Chuchuma
    2. Shado mado ft Alaine
    3. Njiwa ft Nandy
    4. Hallelujah ft Nandy
    5. Alkaida
    6. Lamba Nyonyo
    7. Harambee
    8. Nishiilie ft Alikiba and Ommy Dimpoz
    9. Mmmh ft Rayvanny
    10. I do ft Alaine
    11. Jigi jigi
    12. Fanya
    13. Tigawana ft Size 8
    14. Take it slow ft sauti sol
    15. Tempted
    16. Pili pili ft Harmonize
    17. Kanungo
    18. Murder
    19. Lala salama
    20. Malingo
    21. Sitolia
    22. Mpenzi
    23. Tam Tam ft Size 8
    24. Vigelegele
    25. Kitanzi ft Gloria Muliro
    26. Sijafika ft gloria muliro, kambua, size8
    27. Mamangu
    28. Digiri
    29. Bora uhai ft Khaligraph jones
    30. Sikireti ft cecile
    31. Kwa vile
  • The Shocking Trending Story of Shiko and Rama Delivering by Themselves

    The Shocking Trending Story of Shiko and Rama Delivering by Themselves

    Unassisted child birth is not a common thing and yesterday the internet was on fire with the story of Shiko and Rama trending. Imagine this couple decided to undergo the child birth process by themselves at the comfort of their home without assistance from a medical birth attendant (midwife).

    On that day, which is six days ago, the young couple did not know that Shiko was going to deliver on this particular day. Therefore, they went on their usual routine and at around 1PM, Shiko drove to the market to purchase some groceries.

    While still in the market, she realized that the contractions were unusual since they were getting intense and consistent and so she called her midwife to inform her of the situation.

     “I had been having Prodromal contractions for a while, at 1.30PM I called my midwife and told her you know what I think this might be the real thing because they have been pretty consistent. I had timed them on a contraction App and they were coming once every three minutes. After timing around 4 of them the App just stopped and said call an ambulance, go to the hospital”

    However, the midwife was not around and that meant that she was not able to come immediately.

    Prodromal labor

    This is a type of labor that comes before active labor but does not progress towards delivery. It’s also irregular with contractions lasting for around 30-45 seconds giving the expectant mother around 5-30 minutes of rest in between contracts. Usually, they last for a period of around 8-12 hours.

     Hurriedly, she drove back home to her loving husband Ramsey and told him that the surges were becoming intense and since the midwife was out of reach, they will have to undergo the process.

    All these things are being shown in their 24 minute video. When the App informed her that things were serious, on reaching home she reported the info to the husband but since the surges had been happening for quite a while, the husband was confused whether the day had arrived or it was just the usual surges. 

    Shiko Nguru, a 34 year old mum of 3 now; 8 year old girl, 2 year old boy and newly born bouncing baby boy posted on her Vlog the entire experience from the time she started experiencing surges, actual labor and the delivery moment.

    What is flabbergasting is the fact that they made it look so easy having taken only 44 minutes for the baby to come out.

    Click here to read the “actual birth process”

    The birth process

    The actual video of the birth process starts at 2.01 PM. During this time, the labor started and Shiko requested the husband to do some intense back massage. Ramsey continued to do the massage for a couple of minutes.

    “He continued giving me those back massages and continued telling him to put pressure even I now have bruises on my back side”

    “She insisted I use a lot of pressure, I massaged her with my fists”

    At the time, the contractions were intense and were coming like every two minutes. “The pressure was need to counter the pressure I was feeling inside” Shiko explained.

    “During her surges, I had to drop everything that I was doing just to ensure that I rel ieve the pain she was feeling” 

    She wanted to give birth in a pool and so they had discussed with their midwife who booked the pool for them earlier in the week.

    So when she started experiencing labor, Ramsey started filling the pool.

    At some point, Shiko wanted so much to get into the water and so she told rama

    “Why don’t you go to our laundry room and get the water horseso that we can fill the pool faster.”

    When Rama dashed to get the horse pipe, the unexpected happened, the contractions became more intense with an urge to push.

    “Immediately he left the bathroom, the next surge I had was different from all the other surges because it came with this incredible pressure to push.”

    It was now around 2.25pm, shiko did not think that the time for pushing had arrived since she had only been experiencing labor for an hour only. This shocked her and so she curled over.

    Rama came in and dropped everything seeing the wife in a bad state. He then poured one more bucket and shiko got into the pool. It was 2.30PM.

    Rama wanted to call the midwife again but shiko refused saying they will have to do the delivery by themselves. She then held her hand, comforting and encouraging her as she pushed.

    That’s how Tawi was born; at 2.45PM.

    Thank you for reading.

    Watch Video

    Did you enjoy reading, comment below.

  • What you didn’t know about Nadia Mukami

    What you didn’t know about Nadia Mukami

    Nadia Mukami is a spectacular Kenyan songstress, songwriter, singer, vocalist, and performing artist. She has been a poet since high school, hence the poetry in her songs. She combines the poetry with contemporary Afropop presenting it a sleek urban flow. Full Nadia Mukami Biography Below, continue reading.

    Nadia Mukami Real Name

    Nadia’s full name is Nadia Mukami Mwendo and she’s previously known as Nadia Xclusive.

    Nadia Mukami Age

    She was born on November 9th, 1996 in Pumwani hospital in Nairobi. She is 24 years old as of the year 2020. She is born in a family of five.

    Nadia Mukami Education

    Nadia Mukami attended Kari Primary School along Mombasa-Nairobi highway where she sat for her KCPE exams in the year 2009 then later got approved to Mount Laverna School in Kasarani, Nairobi where she attained a B+ (mean grade) which achieved her an admission to Maseno University to pursue a degree in BBA Finance option.

    Nadia Mukami Family Background

    Speaking about her family history, much has not been uncovered to the public. According to our deep findings, the Kenyan songstress, singer, vocalist, and performing artist was born and raised in Pumwani to a family of four other singers. When she began out, her parents were distrustful about her decision to seek a music career.

    Thankfully, her collection of releases did considerably great in the media, promptly making her triumphant and a favorite among music fans. This won her parent’s approval. She says: “When I began singing, my parents, particularly my dad, we’re disinclined to allow me to seek a career in music. It was till they witnessed me on TV that they resolved to give it a chance and now they are one of my greatest supporters.”

    Nadia Mukami Music History

    Nadia commenced her music career when she was 18 years after turnabout from poetry and writing. She picked motivation from her father who listened to Taarab music selections, as well as music from Tanzanian songstress Ray C. Nadia took up music professionally in 2015 when she wrote and released her single “Barua Ya Siri” yet still in Maseno University.

    Her breakthrough single “Kesi” gained extensive airplay and got her an opportunity to perform beside Kenya’s most prominent stars at countrywide platforms like Blaze by Safaricom (Kisumu), The Nile Festival, and The Luo Festival, among others. A year later, she rose as the winner on KTN’s Kipawa Show and went up to the finals of the Jenga Talanta show,  a true manifestation of her skyrocketing star power. Two years into her career, Nadia got her first signing with record label Hailemind Entertainment and has since released several great projects under the new management.

    Nadia Mukami Boyfriend

    Have you been querying who is Nadia dating, it appears that the musician loves living her life off from the public eye consequently making her private. Nadia Mukami is rumored to have dated Arrow Bwoy but she came out to dismiss those allegations. She, nonetheless, acknowledges having written the Songs African Lover and Yule Yule for the very guy.

    Four Hidden Facts about Nadia Mukami

    According to Coke Studio below are the four not known facts about Nadia Mukami:

    Quick rising Kenyan songstress Nadia Mukami rose to popularity following the monstrous achievement of her hit melodies “Yule”, “African Lover” and “Si Rahisi”. Since 2015 she has dazzled Kenyan music fans with her solid, sultry voice and infectious verses. In 2019, she will make her presentation on Coke Studio Africa, highlighting on the show’s Big Break portion, combined close by Tanzanian R&B sensation Jux and Mozambican artist Shellsy Baronet. Nadia raises to speed on her melodic voyage and desires…

    Taarab Music “I’d state my affection for music began back when I was youthful, tuning in to my dad’s gathering of Taarab music. In any case, it’s performers, for example, Ray C and Sanaipei Tande who truly roused me to begin and seek after a vocation in music,” said Nadia, who attributes her songwriting aptitudes to an early introduction to a blend of classes, on account of her father.

    How I Got My Parents Attention: When Nadia began, her folks were incredulous about her decision to seek after a music profession. Fortunately, her arrangement of discharges did very well in the media, rapidly making her fruitful and dear among music fans. This won her parent’s esteem. She says: “When I began singing, my folks, particularly my father, were reluctant to enable me to seek after a vocation in music. It was until they saw me on TV that they chose to give it a shot and now they are one of my greatest supporters.”

    Lessons from Coke Studio Africa. As a youthful craftsman, there are numerous difficulties you face when beginning in the music business however Nadia is quick to gain from each challenge and opportunity displayed her way.”It’s difficult beginning yet I am appreciative that in the brief time I’ve been on the scene, significant entryways have just opened. It’s dreamlike that I have sung about Juma Jux and Vanessa Mdee in my melody “African Lover” and now I get the opportunity to work with Jux on Coke Studio Africa! The entire Coke Studio experience has instructed me that quality and control are significant components in everything that you do.

    “If I wasn’t a performer I would be a writer or journalist from the days she was in High School, Nadia used to compose news briefs and read them out to the entire school. In Campus, she facilitated a show called ‘Saturday Hip-Hop Count’ on their Campus Radio, Equator FM. She states: “I would likely have been a columnist in a different universe.”

    You can tell from Nadia’s expressive verses that she’s likewise an artist, and this is the place it started: “I began by doing execution verse while in Campus, that clarifies the beautiful rhymes in the vast majority of my songs.”All eyes on Nadia as she speaks to Kenya on “Coke Studio Africa 2019” on the rising specialist’s portion labeled “Big Break”. In the past season, “Coke Studio Africa 2017”, The Band BeCa were highlighted on the portion.

  • Everything you need to know about Betty Kyallo

    Everything you need to know about Betty Kyallo

    Age.

    Real Name: Betty mutei kyalo

    Age: 36 years old in 2025. She was born on 15th March in 1989 in kajiado country.

    Family.

    Betty is a daughter of a single mother. Her parents separated when she was young,however his dad would visit occasionally. Betty is the sister to Mercy kyalo,Gloria kyalo and Brian kyalo.

    Education.

    Betty kyalo went to olerai primary school and Uhuru gardens primary school.

    For her secondary education she went to kangundo Girls high school.

    Betty enrolled for a mass communication degree at Daystar University.

    Marriage.

    Betty kyalo got married to Dennis okari whom they were blessed with a daughter called Ivanna okari.Betty later filled a divorce.

    He later went on to date Nick Ndeda but they broke up after a few months.

    Currently Betty is a single mum with a Ben 10 boyfriend going by the name Charlie Jones.

    betty kyalo and boyfriend Charlie Jones

    Career.

    She started her career in Kenya television world where she hosted Prime time news on KTN.Betty left Kenya television Network for K24 .

    Currently Betty is a news anchor at K24.

    Salary.

    Betty kyalo is mentioned to have a salary of sh 180,000-sh 300,000.

    Awards.

    In 2018,Betty won the media personality Award at OLX social media Awards

    Business

    Betty Kyallo is the CEO and Founder of Flair By Betty, AfterShave and BK Closet a cloth line she launched in 2021.

    In 2018, Betty’s Flair by Betty won the Best Luxurious Beauty Parlour award, at Pwani Fashion Week Awards.

    Awards

    In 2020 Betty was crowned as the TV/Online Influencer of the Year at the Inaugural 2020 Africa Digital Influencer Awards (ADIA).

    In the same year, the TV girl was named among 100 Most Influential Young Africans by Africa Youth Awards in collaboration with Avance Media.

    In 2018, Ms Kyallo was voted as the Journalist of the Year by Kenyans on Twitter (K0T), defeating opposition from KTN news reporter Timothy Otieno, The Star Digital Editor Oliver Mathenge and Marvin Gakuyi.

    In 2017, SOMA named Betty Kyallo as the Media Personality of the Year.

    In October 2020, Betty was named among top 200 most influential African women on Twitter.

    In February, 2019, Media Personality Betty Kyallo was voted the most influential person in the media industry as per the ranking released by Avance Media.

  • New List of Cabinet Secretaries Appointed by President William Ruto

    New List of Cabinet Secretaries Appointed by President William Ruto

    This is the list of cabinet secretaries that were appointed by President William Ruto in 2022.


    Here is the full Cabinet :

    1. Prime Cabinet Secretary – Musalia Mudavadi
    2. CS Interior – Professor Kithure Kindiki
    3. Treasury – Njuguna Ndung’u
    4. Public Service – Aisha Jumwa
    5. Defence – Aden Duale
    6. Water, Sanitation – Alice Wahome
    7. Foreign Affairs – Alfred Mutua
    8. Trade, Investment and Industry – Moses Kuria
    9. East African Community – Rebecca Miano
    10. Transport – Kipchumba Murkomen
    11. Environment – Soipan Tuya
    12. Lands – Zachariah Njeru
    13. Tourism – Peninah Malonza
    14. Agriculture – Mithika Linturi
    15. Health – Susan Nakhumicha
    16. ICT – Eliud Owalo
    17. Education – Ezekiel Machogu
    18. Energy and Petroleum – Davis Chirchir
    19. Sports – Ababu Namwamba
    20. Cooperatives – Simon Chelugui
    21. Mining – Salim Mvurya
    22. Labour and Social Protection – Florence Florence Bore
    23. Advisor on women’s rights – Harriet Kigai
    24. Advisor on National Security advisor- Monica Juma
    25. Attorney General – Muturi Njoka
    26. Secretary to the cabinet- Mercy Wanjao
  • Hustler Fund Terms and Conditions

    Hustler Fund Terms and Conditions

    1.     THE AGREEMENT

    1.1 This Agreement sets out the terms and conditions (hereinafter called “the Terms and Conditions”) which shall be applicable to the Hustler Fund Savings and Loan Product (as hereinafter defined) opened by you (as hereinafter defined) with the Bank (as hereinafter defined).

    1.2 These Terms and Conditions and any amendments or variations thereto shall take effect on their date of publication.

    2.     DEFINITIONS

    2.1 In these Terms and Conditions, the following words and expressions (save where the context requires otherwise) bear the following meanings:

    2.1.1  “Bank” means KCB Bank Kenya Limited incorporated in Kenya as a limited liability company under the Companies Act (Chapter 486 of the Laws of Kenya) and duly licensed as a bank under the Banking Act (Chapter 488 of the Laws of Kenya) and includes subsidiaries of the Bank as may from time to time be specified by the Bank to you.

    2.1.2 “Customer” means the person means the subscriber to whom the Services relates.

    2.1.3 “Customer Care Centre” means any Telkom Retail Shops or Bank Branch or such other Bank Agent or Agents as may be notified to the Customer by the Bank from time to time.

    2.1.4 “E-Money” means the electronic monetary value depicted in your T-kash Account representing an equal amount of cash.

    2.1.5 “Equipment” includes your mobile phone handset, SIM Card and/or other equipment which when used together enables you to access the Network.

    2.1.6 “Hustler Fund Savings and Loan Product means the products under the Fund which will target individuals.

    2.1.7 “Fund” means the Hustler Fund established through the Public Finance Management (Financial Inclusion Fund) Regulations, 2022 issued and published under the Public Finance Management Act, 2012.

    2.1.8 “Hustler Fund Account”: means your mobile money store of value, being the record maintained by the Bank of the amount of money from time to time held by you in the Hustler Fund.

    2.1.9 “Interest rate” shall mean the rate of 8.0% per annum or such other loan rate as may be approved and communicated from time to time or such interest rate as the bank may from time to time apply to savings products.

    2.1.10 “IPRS” means the Integrated Population Registration System set up and maintained by the Government of Kenya under the Ministry of State for Immigration and Registration of Persons and its successors.

    2.1.11  “Network” means the mobile cellular network operated by Telkom.

    2.1.12 “Personal Information” means personal identifiable information as prescribed in the Data Protection Act which includes but is not limited to name, address, phone number, identification number and location data.

    2.1.13 “Pin” means your personal identification number being the secret code used to access and operate the T-kash System.

    2.1.14 “Request” means a request or instruction received by the Bank from you or purportedly from you through the Network and the System and upon which the Bank is authorized to act.

    2.1.15 “Services” shall include any form of financial services or products that the Bank may offer you pursuant to this Agreement and as you may from time to time subscribe to and “Service” shall be construed accordingly.

    2.1.16 “SIM Card” means the subscriber identity module which when used with the appropriate mobile phone handset enables you to access the Network.

    2.1.17 “SMS” means a short message service consisting of a text message transmitted from one mobile phone to another.

    2.1.18 “System” means the Telkom’s or the Bank’s electronic banking and communications software for purposes of the Services.

    2.1.19 “T-kash Account” means your mobile money store of value, being the record maintained by Telkom of the amount of E-Money from time to time held by you in the T-kash System.

    2.1.20 “T-kash Service” means the money transfer and payments service provided by Telkom through the T-kash System; “T-kash System” means the system operated by Telkom in Kenya for the provision of the T-kash Service using the Network.

    2.1.21 “T-kash Subscriber” means any person registered to use the T-kash System to send or receive money or make payments.

    2.1.22 “Telkom” means Telkom Kenya Limited, incorporated in Kenya as a limited liability company under the Companies Act.

    2.1.23 “Transaction Fees” means the fees charged to transact on your T-kash Wallet as published by Telkom from time to time.

    2.1.24 “We,” “our,” and “us,” means the Bank and Telkom and include their respective successors in title and assigns.

    2.1.25 “You” or “your” means the Customer and includes the personal representatives of the Customer.

    2.1.26 The word “Customer” shall include both the masculine and the feminine gender as well as juristic persons.

    2.1.27 Words importing the singular meaning where the context so admits include the plural meaning and vice versa.

    3.     THE LOAN PRODUCT 

    3.1 The Hustler Loan Product, administered by KCB and/or Family Bank Limited, has the following key features:

    3.1.1 The principal loan amounts under the product shall range from KES 500 to KES 50,000.

    3.1.2 To be eligible, 

    3.1.2.1 a person must be a Kenyan citizen of at least 18 years;

    3.1.2.2 a person must have a valid national identification card (ID); 

    3.1.2.3 a person shall be eligible to borrow between KES 500 to KES 50,000 depending on a credit score developed by the Bank;

    3.1.2.4 a person must have a SIM Card registered with Telkom and be a registered subscriber of T-kash services;

    3.1.2.5 a person must have used the SIM Card for at least three months from the date of registration. 

    3.1.3 The term of the loan shall be fourteen (14) days and interest shall be charged at the rate of 8% per annum. Interest shall be accrued daily until repayment in full within fourteen (14) days.

    3.1.4 The loan shall be advanced to eligible persons through the T-kash Wallet.

    3.1.5 The Hustler Fund Savings and Loan Product shall have a savings component as follows:

    3.1.5.1 5% of the loan advanced shall be deducted to go towards savings (the “Savings Deduction”).

    3.1.5.2 30% of the Savings Deduction shall be applied to a savings account (the “Short Term Savings”).

    3.1.5.3 70% of the Savings Deduction shall be applied towards the Customer’s pension (the “Pension Remittance”).

    3.1.5.4 An added feature of the Hustler Fund Savings and Loan Product is that the Government of Kenya shall match the Pension Remittance of a Customer who has not defaulted on a loan in the ratio of 2:1 such that for every KES 2.00 saved, the government shall add KES 1.00 to a maximum government contribution of KES 6,000.00 per annum.

    3.1.5.5 If the loan has been fully repaid, the Customer shall only be entitled to access the Short Term Savings after 365 days from date of disbursement of the loan.

    3.1.6 In the event of default by the Customer (non-payment within fourteen (14) days from the date of disbursement), interest shall accrue at the rate of 9.5% p.a. with effect from the 15th day. If the Customer fails to by the 30th day from the date of disbursement, the Customer’s credit rating may be reviewed by the bank which may result in a review of the customer’s assigned credit limit. The interest applied on the loan shall accrue on a daily basis from the date of loan disbursement until the 365th day, or such other earlier date upon which the loan may have been fully repaid. repay

    3.1.7 In the event that the Customer fails to repay the loan by the 30th day from the date of disbursement, the Customer shall not be eligible to borrow from the Fund until full repayment of all outstanding amounts. 

    3.1.8 The bank shall retain the 30% intended for short term savings as described in

    3.1.5.2 above in a suspense account until full repayment of the Loan.

    3.1.9 Upon full repayment of a loan, the amount in 3.1.7 shall be released to the customer who will be at liberty to withdraw it or keep it as savings.

    4.     ACCEPTANCE OF THE TERMS AND CONDITIONS

    4.1 Before applying for funds under the Hustler Fund Savings and Loan Fund Product via the T-kash System you should carefully read and understand these Terms and conditions which will govern the use and operation of the Hustler Fund Savings and Loan Fund/ Hustler Fund;

    4.2 If you do not agree with these Terms and conditions, please click “Decline” on the Hustler Fund menu at *254#.

    4.3 You will be deemed to have read, understood and accepted these Terms and Conditions:

    4.3.1 upon clicking on the “Accept” option on the Hustler Fund menu requesting you to confirm that you have read, understood, and agreed to abide with these Terms and Conditions; and/or

    4.3.2 by using or continuing to use and operate the Hustler Fund and/or the Services.

    4.4 By applying for funds under the Hustler Fund Savings and Loan Product, you agree to comply with and be bound by these Terms and Conditions for the time being and from time to time in force governing the operation of the Hustler Fund Loan Product and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank or Telkom may have with respect to the Hustler Fund Savings and Loan Product in law or otherwise.

    4.5 These Terms and Conditions may be amended or varied from time to time subject to at least thirty (30) days prior notice to you. The continued use of the services under the Hustler Fund Savings and Loan Product and/or the Services after lapse of the said notice period constitutes your agreement to be bound by the terms of any such amendment or variation.

    5.     ACCOUNT OPENING

    5.1 The Bank reserves the right to verify with Telkom the authenticity and status of your Tkash account.

    5.2 You may access the Hustler Fund solely by way of an electronic application made by you using your mobile phone via the Hustler Fund Savings and Loan Product menu on the Telkom Network system by dialing *254# or any other means as may be notified to you from time to time.

    5.3 You hereby consent and authorize the Bank to request for, receive, record, disclose or utilize your personal information held by Telkom pursuant to the agreement between you and Telkom for the provision of Telkom products and services and T-kash Service including your phone number, name, date of birth, ID or Passport Number and such other information that will enable the Bank to identify you and comply with the regulatory “Know Your Customer” requirements (together the “Personal Information”). You also hereby agree and authorize the Bank to request Telkom for information relating to your use of the T-kash Service, T-kash System and Telkom Services as the Bank shall require for purposes of providing you the Services (“Customer information”) and in particular to determine your credit limit. You hereby consent to the disclosure of the Personal Information and the Customer information by Telkom to the Bank and to the aforesaid use of the Personal Information and the Customer information by the Bank.

    5.4 You hereby agree and authorize the Bank to obtain and procure your Personal Information contained in the IPRS from the Government of Kenya and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Kenya to the Bank.

    5.5 You hereby further acknowledge and authorize the Bank to verify your Personal Information received from Telkom against the information received from the Government of Kenya in your respect as contained in the IPRS.

    5.6 The Bank reserves the right to request for further information from you pertaining to your application for a Hustler Fund Savings and Loan Product at any time. Failure to provide such information within the time required by the Bank may result in the Bank declining to accept your application for a loan.

    5.7 Acceptance of your application for a Hustler Fund Savings and Loan Fund shall be done via SMS sent to the Telkom Mobile Phone Number associated with your T-kash Account. 

    5.8 The Bank reserves the right to decline your application for a loan.

    6.     YOUR REQUESTS

    6.1 You hereby irrevocably authorize the Bank to act on all Requests received by the Bank from you (or purportedly from you) through the System and to hold you liable in respect thereof. The Bank may nevertheless refuse to carry out any Requests which would result in there being an overdraft on your Hustler Fund Savings and Loan Product and T-kash Account.

    6.2 Telkom and the Bank shall be entitled to accept and to act upon any Request, if they believe that it can correct any incomplete or ambiguous information in the Request without any reference to you being necessary.

    6.3 Telkom and the Bank shall be deemed to have acted properly and to have fully performed all the obligations owed to you notwithstanding that the Request may have been initiated, sent or otherwise communicated in error or fraudulently, and you shall be bound by any Requests on which Telkom and the Bank may act if they in good faith and without negligence acted in the belief that instructions was sent by you.

    6.4 Telkom and the Bank may, in its absolute discretion, decline to act on or in accordance with the whole or any part of your Request pending further enquiry or further confirmation (whether written or otherwise) from you.

    6.5 You agree to and shall release from and indemnify Telkom and the Bank against all claims, losses, damages, costs and expenses howsoever arising in consequence of, or in any way related to their having acted in accordance with the whole or any part of any of your Requests.

    6.6 You acknowledge that to the full extent permitted by law, Telkom and the Bank shall not be liable for any unauthorized drawing, transfer, remittance, disclosure, any activity or any incident on your account by the fact of the knowledge and/or use or manipulation of your PIN, password, ID or by any other means occasioned by your negligence.

    6.7 You can only cancel your Request by calling the Customer Care Centre and Requesting cancellation. Cancellation will however only be allowed where your Request is revocable and has not yet been acted on. If Telkom or the Bank is able to cancel your instruction you may be charged for such cancellation.

    6.8 Telkom and the Bank are authorized to effect such orders in respect of your Hustler Fund Savings and Loan Product as may be required by any court order or competent authority or agency under the applicable laws.

    6.9 In the event of any conflict between any terms of any Request received by the Bank from you and these Terms and conditions, these Terms and conditions shall prevail.

    7.     LOAN REPAYMENT

    7.1 The Bank may at any time give you notice in writing that if an accrued debt is not paid within a stipulated period from the date of receipt by you of the notice then Telkom may, without further notice, freeze your T-kash account from borrowing from the fund until payment in full.

    7.2 Repayment of any amount due includes but is not restricted to repayment of the Interest and principal amount, and may be made through partial payments or a full payment.

    7.3 It is agreed that the loan shall be available on an ongoing/continuous basis for a period of fourteen (14) days, with a further period of up to thirty (30) days from the first date of utilization of the loan.

    7.4 Any funds available in your Hustler Fund account shall be applied towards repayment of the amount due in the following order of priority: 

    7.4.1 First in repayment of unpaid Interest. 

    7.4.2 Secondly towards repayment of the principal amount.

    8.     STATEMENTS

    8.1 You may request for a statement or activity report in respect of your funds within the Tkash Wallet through the applicable Telkom channels and menu. 

    8.2 The statement shall not be sent to you in printed form but shall be delivered to you via SMS to the Telkom mobile phone number associated with your T-kash account 

    8.3 Save for a manifest error, a statement issued to you in the aforesaid manner shall be conclusive evidence of the transactions carried out on your T-kash wallet for the period covered in the statement.

    8.4 We reserve the right to rectify discrepancies, add and/or alter the entries in your statements, without prior notice to you. You will however be informed of any rectification, additions and or alterations effected on your statements within a reasonable time after the changes are effected.

    8.5 All notifications of transactions related to the Hustler Fund Savings and Loan Product shall be by way of SMS and the transaction charges for this service will be debited from your T-kash Account.

    9.     CUSTOMER COMPLAINTS

    9.1 You may contact the Bank’s or T-kash’s Customer Care Center to report any disputes, claims or discrepancies in respect of the Service through any of the contacts provided below

    Telkom 

    By calling 100 for prepaid, 200 for postpaid or 160 which is for T-kash support.

    Alternatively, you can visit any Telkom shop.

    Email: customercare@telkom.co.ke

    Twitter:@TelkomKenya

    Facebook: Telkom Kenya

    KCB Bank

                      Email:            contactcentre@kcbgroup.com 

                      Tel:    +254 (20) 3270000 

                      Tel:    +254 (732) 187000 

                      Tel:    +254 (711) 087000 

    WhatsApp: +254 (711) 087087 

    SMS: 22522

    9.2 Telkom and the Bank will take all measures within their means to resolve your complaints within a reasonable time. All complaints will be handled in accordance with Telkom and the Bank’s complaints handling procedures, which are available on request from any  or Bank Branch or Customer Care Centre. Where a notification regarding your complaint or any other matter is expected but not received, you may make a further complaint within a reasonable time after non-receipt of such notification.

    9.3 Applicable tariffs will be charged by your telephone and internet service provider(s) when communicating with the Customer Care Centre.

    10.  TAXES

    10.1 Amounts in your T-kash Wallet may be subject to taxes in accordance with applicable Kenyan, foreign or international law.

    10.2 You consent and agree that we may withhold amounts in your T-kash Wallet if any Kenyan or foreign tax authority requires us to do so.

    11.  HUSTLER FUND SAVINGS AND LOAN PRODUCT

    11.1 Under this Fund, you will be entitled, subject to these Terms and Conditions, to transfer money from your T-kash account and/or make withdrawals therefrom into your T-kash account, as follows:

    1. using the Hustler Fund menu on your device, you may apply for a loan from the fund and if issued, the Bank shall channel loaned funds under the Hustler Fund Savings and Loan Product to your T-kash Account free of charge.
    2. You may access and withdraw funds from the Hustler Fund menu on your

    device and the applicable transaction Fees will however be charged on all transactions once the funds are in the T-kash ecosystem.

    1. There will be no restrictions on the number of deposits into your T-kash Wallet for the Hustler Fund Savings and Loan Product over any period of time subject to a minimum deposit of Kshs. 1.00/=
    2. Subject to availability of sufficient funds to your T-kash Wallet, there are no restrictions on the number of withdrawals you may make from your wallet over any period. You may withdraw up to the maximum allowable transactional limits under the T-kash Service.

    12.  PRIVACY POLICY 

    12.1 Collection of information

    We collect certain Personal Information for compliance with our legal and contractual obligations to you or to take steps to enter into an agreement with you without which we are legally obligated to deny you the service. 

    Apart from the legal obligation mentioned above, we also need to collect your Personal Information for quality service delivery. Please note that although this is voluntary, without such information we may not be able to provide quality service.

    12.2 Privacy 

    We are committed to respecting and protecting the privacy of the information we collect from you. Our privacy statement, in compliance with the requirements of the Data Protection Act 2019, as updated from time to time, explains how we treat your Personal Information, who we share your information with, and measures taken protect your privacy when you use our Service. This can be found on the Telkom and KCB websites.

    13.  DISCLOSURE 

    13.1 You hereby expressly consent and authorize the Bank to disclose, receive, record or utilize your personal information or information or data relating to your Hustler Fund account and any details of your use of the Services:

    13.1.1 to and from the Bank’s service providers, dealers, agents or any other company that may be or become the Bank’s subsidiary or holding company for reasonable commercial purposes relating to the Services.

    13.1.2 to a Credit Reference Bureau.

    13.1.3 to the Bank’s lawyers, auditors or other professional advisors or to any court or arbitration tribunal in connection with any legal or audit proceedings.

    13.1.4 to Telkom or other business partners in connection with the T-kash Service and other affiliated Services for the purpose of fulfilment of a legal obligation or realizing legitimate interests.

    13.1.5 for the purposes of credit scoring for the services.  

    13.1.6 for reasonable commercial purposes connected to your use of the Services, such as marketing and research related activities; and

    13.1.7 in business practices including but not limited to quality control, training and ensuring effective systems operation.

    13.2 You authorize the Bank to disclose any information relating to your Hustler Fund account to any Kenyan, foreign or international law enforcement or governmental agencies so as to assist in the prevention, detection, investigation or prosecution of criminal activities or fraud or to any other institution or third party as required by the laws of Kenya or any other country and or as the Bank may deem necessary.

    13.3 In the event of death, your estate administrator will be granted access to your T-kash wallet upon production of administration letters from a competent authority or confirmed grant of letters of administration or confirmed grant of probate by your legal representatives duly appointed by the Court.

    14.  YOUR EQUIPMENT AND RESPONSIBILITIES

    14.1 You shall at your own expense provide and maintain in safe and efficient operating order your device necessary for the purpose of accessing the System and the Services.

    14.2 You shall be responsible for ensuring the proper performance of your device. We shall neither be responsible for any errors or failures caused by any malfunction of your device, and nor shall virus or related problems that may be associated with the use of the System, the Services and the device. You shall be responsible for charges due to any service provider providing you with connection to the Network and the Bank shall not be responsible for losses or delays caused by any such service provider.

    14.3 You shall follow all instructions, procedures and terms contained in these Terms and Conditions and any document provided by us concerning the use of the System and Services.

    14.4 You agree and acknowledge that you shall be solely responsible for the safekeeping and proper use of your device and for keeping your PIN secret and secure. You shall ensure that your PIN does not become known or come into possession of any unauthorized person. We shall not be liable for any disclosure of your PIN to any third party and you hereby agree to indemnify and hold us harmless from any losses resulting from any PIN disclosure.

    14.5 You shall take all reasonable precautions to detect any unauthorized use of the System and the Services. To that end, you shall ensure that all communications from Telkom and the Bank are examined and checked by you or on your behalf as soon as practicable after receipt by you in such a way that any unauthorized use of and access to the System will be detected.

    14.6 You shall immediately inform the Telkom and the Bank through the Customer Care Centre in the event that:

    14.6.1 You have reason to believe that your PIN is or may be known to any person not authorized to know the same and/or has been compromised; and/or

    14.6.2 You have reason to believe that unauthorized use of the Services has or may have occurred or could occur and a transaction may have been fraudulently input or compromised.

    14.7 You shall at all times follow the security procedures notified to you by the Bank from time to time or such other procedures as may be applicable to the Services from time

    to time. You acknowledge that any failure on your part to follow the recommended security procedures may result in a breach of your Hustler Fund Savings and Loan Product’s data confidentiality. In particular, you shall ensure that the Services are not used or Requests are not issued or the relevant functions are not performed by anyone other than a person authorized to do so.

    14.8 You shall not at any time or use the device in any way that may be prejudicial to us.

    15.  EXCLUSION OF LIABILITY

    15.1 In the absence of negligence on its part, Telkom and the Bank shall not be responsible for any loss suffered by you should the Services be interfered with or be unavailable by reason of (a) the failure of any of your device, or (b) any other circumstances whatsoever not within our control including, without limitation, force majeure, terrorist or any enemy action and adverse weather or atmospheric conditions.

    15.2 In the absence of negligence on its part, Telkom and the Bank will not be liable for any losses or damage suffered by you as a result of or in connection with:

    15.2.1 unavailability of sufficient funds in your T-kash account wallet;

    15.2.2 the money in your T-kash Wallet being subject to legal process or other encumbrance restricting payments or transfers thereof;

    15.2.3 your failure to give proper or complete instructions for payments or transfers relating to your Hustler Funds Savings and Loan Product funds;

    15.2.4 any fraudulent or illegal use of the Services, the System and/or your Equipment; or

    15.2.5 Your failure to comply with these Terms and Conditions and any document or information provided by the Bank concerning the use of the System and the Services.

    15.3 Under no circumstances shall Telkom or the Bank be liable to you for any loss of profit or anticipated savings or for any indirect or consequential loss or damage of whatever kind, howsoever caused, arising out of or in connection with the Services even where the possibility of such loss or damage is notified to the Bank.

    15.4 All warranties and obligations implied by law are hereby excluded to the fullest extent permitted by law.

    16.  INTELLECTUAL PROPERTY RIGHTS

    You acknowledge that the intellectual property rights in the System (and any amendments, upgrades or enhancements thereto from time to time) and all associated documentation that Telkom and the Bank provide to you through the System or otherwise are vested in us or in other persons from whom the right to use and to sub- license the System and/or the said documentation. You shall not infringe any such intellectual property rights. You shall not duplicate, reproduce or in any way tamper with the System and associated documentation without our prior written consent.

    17.  INDEMNITY

    In consideration of our compliance with your instructions or Requests in relation the T-kash

    Wallet, you undertake to indemnify us and hold us harmless against any loss, charge, damage, expense, fee or claim which the Bank suffers or incurs or sustains thereby and you absolve us from all liability for loss or damage which you may sustain from us acting on your instructions or Requests or in accordance with these Terms and Conditions.

    18.  VARIATION AND TERMINATION OF RELATIONSHIP

    18.1 Without prejudice to any of our rights under these terms and conditions, we reserve the right to at any time upon notice to you, terminate or vary our business relationship with you and may suspend or discontinue your use or access to the Hustler Fund:

    18.1.1 if you use the T-kash wallet for unauthorized purposes or where the Bank detects any abuse/misuse, breach of content, fraud or attempted fraud relating to your use of the Services.

    18.1.2 if your T-kash account or agreement with Telkom is terminated for whatever reason.

    18.1.3 if the Bank is required or requested to comply with an order or instruction of or a recommendation from the government, court, regulator or other competent authority.

    18.1.4 if the Bank reasonably suspects or believes that you are in breach of these terms and conditions 

    18.1.5 where such a suspension or variation is necessary as a consequence of technical problems or for reasons of safety.

    18.1.6 to facilitate update or upgrade the contents or functionality of the Services from time to time.

    18.1.7 where your T-kash Wallet becomes inactive or dormant or is deemed abandoned in line with the Unclaimed Financial Assets Act.

    18.1.8 if we decide to suspend or cease provision of the Services for commercial reasons or for any other reason as we may determine. 

    18.2 If your T-kash Wallet has any credit balance at the time of its closure, Telkom will return any such balance to you, less any applicable fees. 

    18.3 You may cancel registration for the Service at any time through your Equipment. You may however not cancel registration if you have an outstanding and unpaid loan/ principal or unpaid Interest amount.

    18.4 Termination shall however not affect any accrued rights and liabilities of either party.

    18.5 If Telkom or the Bank receives notice of your demise, we will not be obliged to allow any operation or withdrawal from your T-kash Wallet by any person except upon production of administration letters from a competent authority or confirmed grant of letters of administration or confirmed grant of probate by your legal representatives duly appointed by the Court.

    19.  MISCELLANEOUS

    19.1 These terms and conditions (as may be amended from time to time) form a legally binding agreement binding on you and your personal successors.

    19.2 These terms and conditions (as may be amended from time to time) should be read in conjunction with the Terms and Conditions for the T-kash services. In the event of any inconsistency, these Terms and Conditions shall prevail in relation to the provision of

    the Hustler Fund Savings and Loan Product.  

    19.3 This Agreement and any rights or liabilities accruing thereunder may not be assigned by you to any other person.

    19.4 The rights and remedies herein provided are cumulative and not exclusive of any rights or remedies provided by law.

    19.5 If any provision of these Terms and Conditions shall be found by any duly appointed arbitrator, court or administrative body of competent jurisdiction to be invalid or unenforceable the invalidity or unenforceability of such provision shall not affect the other provisions herein.

    20.  DISPUTE RESOLUTION, JURISDICTION AND ARBITRATION

    20.1 You may contact the Banks or Telkom’s Customer Care Center to report any disputes, claims or discrepancies.

    20.2 Any dispute arising out of or in connection with this Agreement that is not resolved by Customer Care Centre representatives shall be resolved by the parties through amicable settlement discussions, failing which it shall be referred to arbitration. Such arbitration shall be before a single arbitrator to be appointed by agreement between the parties or in default of such agreement within sixty (60) days of the notification of a dispute, upon the application of either party, by the Chairman for the time being of the Chartered Institute of Arbitrators (Kenya Branch). Such arbitration shall be conducted in the English language in Nairobi in accordance with the Rules of Arbitration of the said Institute and subject to and in accordance with the provisions of the Arbitration Act.

    20.3 To the extent permissible by Law, the determination of the Arbitrator shall be final, conclusive and binding upon the parties hereto.

    20.4 This Agreement shall be governed by and construed in accordance with the laws of the Republic of Kenya.

  • Top 10 Photographers in Kenya 2023

    Top 10 Photographers in Kenya 2023

    Photography is a field that has existed since 1822 when Joseph Nicéphore Niépce took the first picture, In Kenya it has been embraced and I find myself to be passionate of it. There are many photographers in Kenya, some good others not so good but in this article, I will be sharing a list of Top 10 photographers whose works stand out.

    Without saying much, let’s dive into the list of Top 10 photographers in Kenya in 2023.

    Related article: Best Photographers in Kenya in 2025

    1. Buoart

    I didnt think twice, Kevin Buo is the best photographer in Kenya. Since i started photography I have been looking up to him and so are many photographers.

    Did you know that Buo was among the first photographers to work with socialite celebrities in Kenya, the likes of Vera Sidika and Hudah Monroe. Actually, in an interview with Nation, it is asserted that he is the photographer who helped kickstart the socialite ‘careers’ of these amazing and wonderful ladies.

    Below are some of his works

    A picture of friends by Buoart

    2. Ondivow Photography

    I dont know if you have heard of Ondivow, if you havent then you are missing out. He is simply a masterpiece and even if he existed in the 16th century, his works will still be interesting to the then audience.

    Although i have seen some of his portraits, the guy likes to capture events as they occur especially in low socio economic areas like Kibera.

    His name Ondivow means  “In The Vow,” refering to a vow that he made to himself that he will be telling stories the way they are through Photography.

    He is also a filmmaker and one of his greatest works is a music video by Octopizzo dubbed KingSize.

    King Size by Octopizzo directed by Ondivow

    Below are some of Ondivow’s works

    3. Minicheps

    What can I say—Minicheps is a genius. Her photography is out of this world, quite literally. She uses photo manipulation to turn everyday moments into magical scenes where she appears miniaturized—hence the name Mini-cheps.

    Her creativity has caught global attention, and brands now queue to work with her. She has completely redefined visual storytelling in Kenya. You just can’t talk about creative photography in Kenya without mentioning her.

    4. Muma Pix

    If you’ve seen any crisp wedding or portrait photos recently, there’s a good chance Muma Pix was behind them. His editing is clean, the colors are vibrant, and he knows how to capture emotions in a way that feels genuine.

    He’s built a solid name in the industry, working with celebrities, weddings, and even brand campaigns. A true storyteller through the lens.

    5. Njeri Photography

    Njeri is one of the rising female forces in Kenyan photography. Her style leans toward fashion, portraits, and conceptual shoots. But what really makes her stand out is her ability to make her subjects look confident and powerful.

    She’s also passionate about mentoring upcoming female creatives, which makes her not just talented—but impactful too.

    6. Kapedo

    Kapedo has a very unique style—it’s gritty, dramatic, and bold. He shoots mostly in black and white, focusing on human emotion and street scenes. His work feels like a movie—raw and poetic.

    He doesn’t chase trends, and maybe that’s why his art stands out. If you’re looking for photography that makes you think and feel deeply, Kapedo is your guy.

    7. Mutua Matheka

    You can’t talk about Kenyan cityscapes and architecture without mentioning Mutua Matheka. He is the king of capturing Nairobi and other African cities in ways that make you fall in love with concrete and lights.

    He uses drones, long exposure, and symmetry to bring out the beauty of African urban life. His work has been featured globally, and he’s a big advocate for redefining Africa through visuals.

    8. Clinton Wanjala

    Clinton Wanjala is one of the best voices in Kenyan photography. He specializes in portrait, product, fashion, editorial, and street photography. His use of color and angles makes every image feel fresh and stylish. You can check out some of my work at Behance.

    9. Ben Kiruthi

    You’ve probably seen Ben Kiruthi’s work on a wedding blog or magazine. He’s one of the most respected wedding and portrait photographers in the country. His love story with photography is well documented—and it shows in the love stories he captures.

    Ben also trains photographers, speaks at workshops, and promotes healthy marriages with his wife, making him not just a photographer, but also a life coach of sorts.

    10. Lyra Aoko

    Lastly, we have Lyra Aoko—a powerful name in Kenyan visual art. She blends photography with art direction, and the results are stunning. From fashion shoots to brand campaigns, she always delivers something soulful and elegant.

    Her work represents a modern African woman—bold, soft, and creative. She’s also worked with major brands across Africa, and she continues to elevate visual storytelling in the continent.

    Final Thoughts

    Kenya is home to some seriously talented photographers—these ten are just the tip of the iceberg. Each one brings a different flavor, a different story, and a different kind of inspiration.

    If you’re a photographer reading this, keep creating, keep learning, and keep telling our stories. The world is watching.

  • Photography 101

    Photography 101

    What type of zoom crops the image and enlarges the cropped image to fill the frame of the camera?

    Digital zoom

    What opens between the lens and the film to create the photograph?

    A shutter

    The magnification of a lens is also known as which of the following?

    Focal length

    Aperture is controlled by what in the camera?

    Iris diaphragm

    Which popular file format loses some of the information from the image?

    JPEG

    How do point and shoot cameras differ from SLR cameras?

    Point and shoot cameras are compact, easy-to-use cameras with fixed lenses and automated settings, ideal for casual photography. On the other hand, SLR (Single-Lens Reflex) cameras offer interchangeable lenses, manual control, and superior image quality, catering to more serious photographers who require flexibility and precision.

    What is the equivalent of film speed in digital cameras?

    Sensitivity

    Film is sensitive to which of the following?

    Light

    Generally, each pixel in an image creates 25 bytes of data.

    False

    An iris diaphragm is a set of overlapping metal plates that expand out to allow more light or fold in on each other to reduce the amount of light.

    True

    Aperture is the length of time that light is let into the camera to expose the film.

    False

    In a pinhole camera, the image seen in the camera will be inverted.

    True

    Digital zoom tends to have no effect on the quality of the image.

    False

    The white balance of an image can be affected by the particular lighting at the photograph site.

    True

    RAW files can be compressed without losing information.

    True

  • Love or Career; Which one should really come first

    Love or Career: Striking the Balance and Prioritizing Your Happiness

    I wont spend so much time on this article though I know the topic is very controversial. so when asked which do you prefer to come first; Love or career, the answer will differ and since no such research has been done before, I will give my opinion which might come out as advice. This article is in no way insinuating that i am a career or relationship coach but rather just a writer who is interested in sharing his thoughts with the community.

    Now, Love or career, Bluntly, it will depend on the gender and the part of the world where you are. If you are in Africa, then if you are a lady and are interested in pursuing a career, then i will advice you to kickstart with your career before loving someone so deeply. starting with your career as a lady will save you a great deal in your relationship. I advice women during this 21st century to look for career success fast because majority of the men will be reluctant in helping you pursue career and financial success when married to them. You see, when it comes to most men, they love to control and many will not like having a woman who they cannot control. On the contrary, if they found you having a successful career with enough money to sustain yourself, it will be hard for them to change you. This is why you need to gain financial knowledge and acquire financial freedom at a young age.

    On the other hand, if you are a man, It will be good to start with love if you are interested in securing a loving and caring wife. You see, when you are all successful with a lot of money, many women will like you because of what you have and not who you are. Starting from the bottom with a woman who loves who you are can be the greatest gift you can get. It is the foundation of a strong relationship and eventually a very good family.

  • YY Comedian and Marya Okoth: Are They Back Together?

    YY Comedian and Marya Okoth: Are They Back Together?

    Kenyan entertainment streets are buzzing again, and this time, it’s all about YY Comedian (Oliver Otieno) and actress Marya Okoth. The once-beloved couple, whose breakup in September 2024 left fans in shock, now appears to be rekindling their flame—or so it seems from their recent social media moves.

    For those who’ve been out of the loop, Marya Okoth, famed for her role in A Nurse Toto and her influence as a digital content creator, dropped the bombshell on Instagram last year. She cited “unavoidable circumstances” as the reason for their split.

    YY, on the other hand, stayed quiet, channeling his energy into his comedy gigs, including the launch of Okoa Ndoa, a show meant to help struggling couples. Ironically, the timing of the show coincided with his own relationship drama, which left fans divided.

    Not long after, YY was linked to Noela Toywa, but that relationship didn’t last either.

    Marya, meanwhile, went off the radar, focusing on motherhood and her career. However, things have taken a new twist. Social media detectives—because Kenyans never sleep—recently noticed the two following each other again on Instagram. To make it juicier, they’ve even posted about each other, sparking chatter that a reunion might be brewing.

    While it’s unclear whether this is a full-blown comeback or just nostalgic vibes, one thing is certain: these two have kept us on our toes. From their whirlwind love story to their public fallout and now this possible reunion, YY and Marya’s tale is a constant reminder of the highs and lows of celebrity relationships.

    The streets are talking, timelines are refreshing, and fans are either rooting for a happy ending or just enjoying the drama. Whatever happens next, YY and Marya remain a hot topic in Kenyan showbiz, proving love and limelight make one unpredictable mix. Let’s wait and see what unfolds next!