- How to apply for Uwezo Fund
- 2015 Top 100 Mid-Sized Companies
- How to Patent Innovation and Creativity in Kenya
- Microfinance Institutions
- How to Register a Business in Kenya
- Insurance Companies
- Micro and Small Enterprises Authority
Uwezo Fund is a flagship programme for Kenya’s Vision 2030 aimed at enabling women, youth and persons with disability access finances to promote businesses and enterprises at the constituency level, thereby enhancing economic growth towards the realization of the same and the Millennium Development Goals No.1 (eradicate extreme poverty and hunger) and 3 (promote gender equality and empower women). The fund plans to achieve these goals by expanding access to finances in promotion of youth and women businesses and enterprises at the constituency level for economic growth, generating gainful self- employment for the youth and women; and modeling an alternative framework in funding community driven development.
Eligibility Criteria for Applicants.
Applicants shall qualify for Fund loan application if
(a) For a group
- Is registered with the department of social services, Cooperatives or the Registrar of Societies
- Has members aged between 18 and 35 years whereas the women’s groups shall be made up of women aged eighteen years and above
- Is based and operational at the constituency it seeks to make an application for consideration
- Operates a table banking structure or any other group fund structure where members make monthly contributions according to the groups’ internal guidelines (evidence of monthly contributions shall be a requirement);
- Hold a bank account in the name of the group.
(b) For an institution
- Is a registered entity
- Has listed youth and women groups within it.
How to apply
Step 1: Ensure that you meet the eligibility criteria above
Step 2: Fill in an application form (available from the Constituency Uwezo Fund Management Committee office, CDF Offices or download form from
Step 3: Submit the application form together with relevant documents to the Constituency Uwezo Fund Management Committee office
Step 4: Await notification from the committee
(a) For administration of the Fund:-
- The access by eligible groups of the Fund, shall be on a first come first served basis, subject to assessment and approval of the loan, provided that the Committee shall ensure equitable distribution of funds in the wards
- Eligible qualifying amounts for a group shall be a minimum of fifty thousand 50,000) and a maximum of five hundred thousand (500,000) shillings at any one time.
(b) In determining the total amount a group is eligible to receive, the following criteria shall be applied:-
- The length of time the group has been in existence
- The total amount contributed by the group
- The current status of contribution and
- The proposed business plan for the loan applied
NB: The eligible amount shall be three times the group savings BUT it shall not be:-
- Below Kshs50,000 (Minimum),
- More than the amount applied for in the application form and
- More than Kshs500,000 (Maximum)
For more information, kindly visit www.uwezo.go.ke
Kenya’s Top 100 Mid-Sized Companies showcases business excellence in the country by highlighting some of the fastest growing mid-sized companies in terms of revenue growth, profit growth, returns to shareholders and cash generation or liquidation.
Any Kenyan mid-sized company in any industry can participate in the ranking by completing both general and financial questionnaires provided by KMPG. Benefits include Top 100 Conference, FY 16 bi-monthly forums and opportunities to network with other Top 100 mid-sized companies.
Here are the 2015 Top 100 Mid-sized Companies:
- PHARMAKEN LIMITED.
- PROFESSIONAL CLEAN CARE LTD.
- IZMIR ENTERPRISES.
- WARREN CONCRETE LTD.
- BONFIRE ADVENTURES LIMITED.
- SUPERIOR HOMES KENYA LTD.
- LEAN ENERGY SOLUTIONS LIMITED.
- SUPERBROOM SERVICES LTD.
- SOFTWARE TECHNOLOGIES LTD.
- HIPORA BUSINESS SOLUTIONS.
- WELL TOLD STORY LTD.
- AMEX AUTO & INDUSTRIAL HARDWARE LTD.
- DATAGUARD DISTRIBUTORS LTD.
- WAUMINI INSURANCE BROKERS LTD.
- PINNACLE (K) TRAVELS & SAFARIS LTD.
- TROPIKAL BRANDS A LTD.
- RUSHAB PETROLEUM LTD.
- ALLWIN PACKAGING INTL. LTD.
- D&G INSURANCE BROKERS LTD.
- SHEFFIELD STEEL SYSTEMS LIMITED.
- COAST INDUSTRIAL & SAFETY SUPPLIES LTD.
- NOVEL TECHNOLOGIES EA LTD.
- POWERPOINT SYSTEMS EA LTD.
- MACHINES TECHNOLOGIES (2006) LTD.
- LOGISTIC SOLUTIONS LTD.
- HAJAR SERVICES LTD.
- SUPREME PHARMACY LIMITED.
- NORTH STAR COOLING SYSTEMS LTD.
- UNITED EAST AFRICA WAREHOUSE LTD.
- JO WORLD AGENCIES LIMITED.
- RAVENZO TRADING LIMITED.
- GENERAL CARGO SERVICES LIMITED.
- MPPS (1998) LTD.
- KISIMA ELECTRO MECHANICALS LTD.
- BTB INSURANCE BROKERS LTD.
- SPECIALIZED ALUMINIUM RENOVATORS LTD.
- SPENOMATIC LTD.
- BLUEKEY SOFTWARE SOLUTIONS (K) LTD.
- MANDHIR CONSTRUCTION LTD.
- ASTRAL INDUSTRIES LIMITED.
- EXON INVESTMENTS LIMITED.
- EXPRESS COMPANY LTD.
- RILEY SERVICES LIMITED.
- IMPAX BUSINESS SOLUTIONS.
- MIC GLOBAL RISKS INSURANCE BROKERS LTD.
- PRAFULCHANDRA & BROTHERS LTD.
- ZEN GARDEN LTD.
- ARK CONSTRUCTION LIMITED.
- HOMESCOPE PROPERTIES LTD.
- TRIDENT PLUMBERS LTD.
- SOLLATEK ELECTRONICS (K) LTD.
- AIRTOUCH COOLING SYSTEMS LTD.
- RILEY FALCON SECURITY.
- WOTECH KENYA LTD.
- CIRCUIT BUSINESS SYSTEMS LTD.
- SILVERBIRD TRAVEL PLUS LTD.
- GENERAL AUTOMOBILE CORPORATION LTD.
- HOSPITALITY SYSTEMS CONSULTANTS.
- TOTAL SOLUTIONS LTD.
- NDUGU TRANSPORT CO. LTD.
- NAPRO INDUSTRIES LTD.
- DEVSONS INDUSTRIES LTD.
- DUNE PACKAGING LIMITED.
- KANDIA FRESH PRODUCE SUPPLIERS LIMITED.
- KENCONT LOGISTICS SERVICES LIMITED.
- COMPULYNX LTD.
- SMART BRANDS LIMITED.
- FURNITURERAMA LTD.
- MASTERFABRICATORS LTD.
- EXECUTIVE HEALTHCARE SOLUTIONS LTD.
- EDUCATE YOURSELF LTD.
- ORBIT ENGINEERING LTD.
- KENYA BUS SERVICE MANAGEMENT.
- EUROCON TILES PRODUCTS LTD.
- HYDRO WATER WELL (K) LTD.
- TYPOTECH IMAGING SYSTEMS.
- BAGDA’S AUTO SPARES LTD.
- STATPRINT LIMITED.
- OIL SEALS AND BEARINGS CENTRE LTD.
- NATIONWIDE ELECRICAL LTD.
- KENBRO INDUSTRIES LTD.
- CUBE MOVERS LIMITED.
- NEWLINE LIMITED.
- SPECIALISED HARDWARE LIMITED.
- NAIROBI ENTERPRISES LTD.
- FARMPARTS LIMITED.
- SOLOH WORLDWIDE INTER-ENTERPRISES LTD.
- DEEPA INDUSTRIES LIMITED.
- RELIABLE CONCRETE WORKS.
- AVTECH SYSTEMS LIMITED.
- BELL ATLANTIC COMMUNICATIONS LTD.
- IDEAL MANUFACTURING CO. LTD.
- EMOMENTUM INTERACTIVE SYSTEMS LTD.
- PALMHOUSE DAIRIES LTD.
- GACHICHIO INSURANCE BROKERS LTD.
- SYNERGY GASES (K) LTD.
- IRON ART LIMITED.
- KISIMA DRILLING (EA) LTD.
- DE RUITER EA LIMITED.
- ROY TRANSMOTORS LIMITED.
Retail ALLWIN PACKAGING INTL. LTD
Wholesale IZMIR ENTERPRISES LTD
Infrastructure/Construction KISIA ELECTRO MECHANICALS LTD
Transport LOGISTIC SOLUTIONS LTD
ICT SOFTWARE TECHNOLOGIES LTD
Manufacturing WARREN CONCRETE LTD
Financial Services WAUMINI INSURANCE BROKERS LTD
Click HERE to participate.
For Patent to be granted it needs to be new, should involve an inventive step, not obvious to a skilled person in the technological field and industrially applicable in the concerned field.
The steps for patenting innovation in Kenya are very simple and cost maximum of Sh16,000. You will be required to file an application with the Kenya Industrial Property Institute (KIPI) – a parastatal body under the Ministry of Industrialization and Enterprise Development. The functions of the institute include administering industrial property rights, provision of technological information to the public, promoting inventiveness in kenya and provision of training on industrial property.
The process of obtaining Patent involves making request through form IP3 obtained from KIPI. The form contains the title and the particulars of the applicant or the inventor. The Patent Application should have a description that discloses the invention and at least one mode for carrying out the invention in full, clear, concise and exact terms as to enable any person having ordinary skills in the art to make use and to evaluate the invention.
Patent application should state one or more claims which seeks to clarify and define the features of the patent for which protection is sought. It should be clear and concise and fully supported by the description. In defining the matter for which protection is sought, a claim should set out the technical features that are necessary to define the subject matter of the invention that are part of the prior art; and the technical features that, in combination with the features above will defines which protection is sought. If there are any drawings of the invention the same should be provided in the application.
You will also be required to fill an abstract for purposes of technical information. It is not taken into account for the purpose of interpreting the scope of the protection sought. It includes the title of the invention and a summary of the disclosure included in the description. The summary indicates the technical field to which the invention relates and the principal use or uses of the invention.
Kenya Industrial Property Institute will establish whether the applicant complies with all the requirements under the law. If the application has complied fully with all requirements, it will proceed to substantive examination. If one has not fully complied with the requirements, they will be invited to make amendments to the application. The patent can only be published in the KIPI Journal 18 months after the date of filing. This will give notice to the whole world of the application. Substantive examination involves a determination of whether the patent is new, non-obvious and whether it can be applied in the industry.
The Application for substantive examination should be done within three years of filing the application. If the approval meets all the requirements, it will be granted. If it does not meet the requirements it is rejected. In case of rejection one may object the same. If final decision is rejection one may appeal. If it succeeds the applicant is granted patent.
Protection of IP rights, however, is territorial. If you intend to obtain protection in multiple countries, there are three approaches you can utilize. First you can file a request in each of the countries where you want protection or file an application as provided for under what is known as the Patent Cooperation Treaty (PCT) with the World Intellectual Property Organization (WIPO). This is, however, just a filing system. Ultimately you will need to process the applications in each of the countries where you want protection. Finally there are regional offices which are mandated by state parties to receive, process, grant and register IP for and on their behalf. Examples are the African Regional Intellectual Property Organization (ARIPO), Organization Africaine de la Propriété Intellectuelle (OAPI), European Patent Office (EPO), among others.
- Jamii Bora Bank
- Equity Bank
- Kenya Commercial Bank (KCB)
- Chase Bank
- Family Bank
- Cooperative Bank of Kenya.
- K-rep Bank
- Transnational Bank
- NIC Bank
- Development Bank of Kenya.
- Diamond Trust Bank.
- Ecobank Kenya.
- Kenya Women Finance Trust (KWFT).
- Barclays Bank of Kenya.
- Consolidated Bank
- CFC Bank
- I & M Bank
- National Bank of Kenya.
- Prime Bank.
- Oriental Commercial Bank.
- Standard Chartered Bank
- Development Bank of Kenya (DBK)
- Commonwealth Development Corporation (CDC)
- The German Development Bank (DEG).
- Industrial Development Bank (IDB).
- African Banking Corporation (ABC)
- Commercial Bank of Africa.
- Bank of Baroda.
- Bank of India.
- Credit Bank.
- First Community Bank.
- The East and Southern African Trade and Development Bank (PTA Bank).
- East African Development Bank (EADB).
- Charterhouse Bank.
- Citibank N.A Kenya.
- Consolidated Bank of Kenya.
- Equatorial Commercial Bank.
- Fidelity Commercial Bank.
- Fina Bank.
- Giro Commercial Bank.
- Guardian Bank Limited.
- Gulf African Bank Limited.
- Habib Bank.
- Middle East Bank.
- UBA Kenya Bank Limited.
- Victoria Commercial Bank.
- Faulu Kenya.
- Jitegemee Trust.
- Small and Micro-Enterprise Program (SMEP).
|No.||Procedure.||Time||Cost to complete.|
|1.||Reserve a unique company name at the Huduma Center or at the Companies Registry The procedure begins by reservation of the company name pursuant to companies provision which is a counter service provided by both companies registry and Huduma Centres. The name is reserved for 30 days but can be extended for a similar period upon application. Once the name is reserved, one is required to present the memorandum and articles of association and the statement of nominal capital for stamping. Agency: Huduma Center||1 day on average||KES 100 per name reservation|
|2.||Receive stamp duty assessment on the memorandum and Articles of Association and the Statement of the Nominal Capital As of January 2005, the Kenya Revenue Authority (KRA) took over the stamp duty collection from the Ministry of Lands and Housing. As an administrative requirement, the KRA now requires the personal identification numbers (PINs) of all parties on whose behalf duty-stamped documents are submitted. Documents are first assessed by the Stamp Duty Office before payment can be made at the KRA-designated banks. The process has initially lengthened to about 2 weeks because the Stamp Duty Office waited to receive confirmation of bank payment after clearance of funds. However, the time was reduced to 5-10 days in 2008 as a result of better communication between the Ministry of Lands and Housing and the Kenya Revenue Authority (KRA). A fee of KES 100 is payable as Bank handling charges. Under the Stamp Duty Act (Cap. 480), the stamp duty on the nominal capital of the company is KES 20 for every KES 2,000 or part thereof. The stamp duty on the memorandum and articles of association is KES 2,000. Stamp duty can now be assessed at Huduma Center. Huduma Centers are Government service centres located in major towns in Kenya. These service centers were launched in November 2013. Agency: Huduma Center||1 day||1% of nominal capital (KES 20 for every KES 2,000 or part thereof of capital) + KES 2,000 for stamp duty on Memorandum and Articles of Association|
|3.||Pay Stamp duty at the Huduma Center The entrepreneurs pay the stamp duty at the Huduma Centers, if it does not exceed KES 80,000. Alternatively, it can be paid at the National Bank of Kenya or the Kenya Commercial Bank which are the designated Banks for the collection of stamp duty revenue on behalf of Kenya Revenue Authority. Agency: Huduma Center||1 day||KES 110|
|4.||Stamp the Memorandum and Articles of Association, and a Statement of the Nominal Capital After the stamp duty assessment and payment are completed, the company founders return to get the memorandum and articles of association stamped. Agency: Huduma Center||1 day||No charge|
|5.||Sign the Declaration of Compliance before a Commissioner of Oaths or a Notary Public According to the Companies Act (Cap. 486), an advocate engaged in the formation of the company or a director or company secretary named in the articles of association must sign the declaration of compliance (Form 208). This form is submitted to the Registrar of Companies along with the registration documents. Agency: Commissioner of Oaths /notary public||1 day||KES 200|
|6.||Register with the Registrar of Companies at the Attorney General Chambers in Nairobi The entrepreneur must submit the incorporation deed and the following to the Registrar of Companies: – Stamped memorandum and articles of association – Statement of capital – Notice of Situation of Registered Office (Form 201) – Particulars of Directors and Secretary (Form 203) – Declaration of compliance with the Companies Act (Form 208) – Copy of the company name approval Fee schedule for the registration under the Companies Act (Cap. 486): – For the first KES 100,000: KES 2,200 – For every KES 20,000 after the first KES 100,000 or part thereof: KES 120, subject to a maximum of KES 60,000 – Filling fee for the three forms: KES 600 (KES 200 each) Agency: Registrar of Companies at the Attorney General’s chambers.||12 days on average||KES 9,280|
|7.||Register for taxes at the Kenya Revenue Authority The personal tax identification number (PIN) and the company tax identification number are required to register for VAT, local service tax, and the Pay-As-You-Earn (PAYE) tax. The PIN certificates of at least two signatories (2 directors or 2 shareholders or a director and the secretary) of the company are required. To register for taxes, the entrepreneur must also file the certificate of incorporation and a copy of the memorandum and articles of association. Due to new online reforms, the application for a PIN number and the registration for VAT registration can now be done online. Unless the KRA has already received confirmation of the company incorporation from the Companies Registry, the entrepreneur must submit the certificate of incorporation and receive log-in details to proceed with online tax registration. Agency: Tax Department||1 day||No charge|
|8.||Apply for a Business Permit Applicable permit fees fall within the following scales: – Large trader, shop, or retail service with 21-50 employees and premises of 300-3,000 square meters (or at a prime location): KES 30,000 – Medium trader, shop, or retail service with 5-20 employees and premises of 50-3,000 square meters (fair location): KES 15,000 Agency: Nairobi City Council||5 days||KES 15,000|
|9.||Register with the National Social Security Fund (NSSF) The National Social Security Fund provides the employee with a lump-sum retirement benefit. Historically, the rate of return paid by the state is considerably less than that achieved by private schemes, but participation is mandatory. The employer pays a standard contribution of about 1% of salary, subject to a maximum of KES 400 per month. Half the contribution is deductible from the employee’s salary. The precise amount of the contribution (less than the maximum) is determined by the reference to salary bands. As of June 2014, following the enactment of the new National Social Security Fund Act (2013), the pension contribution is 12% of the pensionable wages made up of two equal portions of 6% from the employee and 6% from the employer subject to an upper limit of KES 2,160. Agency: National Social Security Fund.||1 day||No charge|
|10.||Register with the National Hospital Insurance Fund (NHIF) The employee contributes a fixed sum to the National Hospital Insurance Fund (NHIF), which must be deducted by the employer from the employees’ salary. The maximum contribution is KES 320 per month. The contributions are used to offset the costs of medical treatment, but they only cover a fraction of actual costs. Hence, most companies provide employees with medical insurance. Agency: National Hospital Insurance Fund||1 day||No charge|
|11.||Make a company seal Seal makers request a copy of the certificate of incorporation in order to make a company seal. Agency: Seal maker||2 days, simultaneous with previous procedure||between KES 2,500 and KES 3,500|
SOURCE: Ease of Doing Business in Kenya, World Bank 2015.
- AAR Insurance Kenya
- APA Insurance – Part of Apollo Investments Company
- Africa Merchant Assurance Company – AMACOO
- Apollo Life Assurance – Part of Apollo Investments Company
- AIG Kenya Insurance Company
- British-American Insurance Company (Kenya) – Part of British-American Investments Company
- Cannon Assurance – A subsidiary of MMI Holdings Limited
- Capex Life Assurance Company
- CIC General Insurance – Part of the CIC Insurance Group Limited 
- CIC Life Assurance – Part of the CIC Insurance Group Limited 
- Continental Reinsurance
- Corporate Insurance Company
- Directline Assurance Company
- East Africa Reinsurance Company
- Fidelity Shield Insurance Company
- First Assurance Company
- GA Insurance – Part of the I&M Bank Group
- Geminia Insurance Company
- ICEA LION General Insurance Company – Part of the ICEA LION Group
- ICEA LION Life Assurance Company – Part of the ICEA LION Group
- Intra Africa Assurance Company
- Invesco Assurance Company
- Kenindia Assurance Company
- Kenya Orient Insurance
- Kenya Reinsurance Corporation
- Liberty Life Assurance Kenya Limited – Part of Liberty Kenya Holdings Limited
- Madison Insurance Company Kenya
- Mayfair Insurance Company
- Mercantile Insurance Company
- Metropolitan Life Insurance Kenya – A subsidiary of MMI Holdings Limited
- Occidental Insurance Company
- Old Mutual Life Assurance Company
- Pacis Insurance Company
- Pan Africa Life Assurance
- Phoenix of East Africa Assurance Company
- Pioneer Assurance Company
- Real Insurance Company – Part of British-American Investments Company
- Resolution Insurance Company
- Takaful Insurance of Africa – Associate of the CIC Insurance Group Limited
- Tausi Assurance Company
- Heritage Insurance Company – Part of Liberty Kenya Holdings Limited
- Jubilee Insurance Company Limited
- Monarch Insurance Company
- Trident Insurance Company
- UAP Insurance Company – Part of UAP Holdings
- UAP Life Assurance – Part of UAP Holdings
- Xplico Insurance Company