CINXE.COM

<!doctype html>     <html class="no-js" lang="en-US"> <head><meta http-equiv="Content-Type" content="text/html; charset=UTF-8" /><meta name='viewport' content='width=device-width, initial-scale=1, user-scalable=yes' /><link rel="profile" href="https://gmpg.org/xfn/11" /><link rel="pingback" href="https://kenyanwallstreet.com/xmlrpc.php" /><meta name='robots' content='index, follow, max-image-preview:large, max-snippet:-1, max-video-preview:-1' /> <script type="text/javascript">var jnews_ajax_url = '/?ajax-request=jnews'</script> <script type="text/javascript">;window.jnews=window.jnews||{},window.jnews.library=window.jnews.library||{},window.jnews.library=function(){"use strict";var e=this;e.win=window,e.doc=document,e.noop=function(){},e.globalBody=e.doc.getElementsByTagName("body")[0],e.globalBody=e.globalBody?e.globalBody:e.doc,e.win.jnewsDataStorage=e.win.jnewsDataStorage||{_storage:new WeakMap,put:function(e,t,n){this._storage.has(e)||this._storage.set(e,new Map),this._storage.get(e).set(t,n)},get:function(e,t){return this._storage.get(e).get(t)},has:function(e,t){return this._storage.has(e)&&this._storage.get(e).has(t)},remove:function(e,t){var n=this._storage.get(e).delete(t);return 0===!this._storage.get(e).size&&this._storage.delete(e),n}},e.windowWidth=function(){return e.win.innerWidth||e.docEl.clientWidth||e.globalBody.clientWidth},e.windowHeight=function(){return e.win.innerHeight||e.docEl.clientHeight||e.globalBody.clientHeight},e.requestAnimationFrame=e.win.requestAnimationFrame||e.win.webkitRequestAnimationFrame||e.win.mozRequestAnimationFrame||e.win.msRequestAnimationFrame||window.oRequestAnimationFrame||function(e){return setTimeout(e,1e3/60)},e.cancelAnimationFrame=e.win.cancelAnimationFrame||e.win.webkitCancelAnimationFrame||e.win.webkitCancelRequestAnimationFrame||e.win.mozCancelAnimationFrame||e.win.msCancelRequestAnimationFrame||e.win.oCancelRequestAnimationFrame||function(e){clearTimeout(e)},e.classListSupport="classList"in document.createElement("_"),e.hasClass=e.classListSupport?function(e,t){return e.classList.contains(t)}:function(e,t){return e.className.indexOf(t)>=0},e.addClass=e.classListSupport?function(t,n){e.hasClass(t,n)||t.classList.add(n)}:function(t,n){e.hasClass(t,n)||(t.className+=" "+n)},e.removeClass=e.classListSupport?function(t,n){e.hasClass(t,n)&&t.classList.remove(n)}:function(t,n){e.hasClass(t,n)&&(t.className=t.className.replace(n,""))},e.objKeys=function(e){var t=[];for(var n in e)Object.prototype.hasOwnProperty.call(e,n)&&t.push(n);return t},e.isObjectSame=function(e,t){var n=!0;return JSON.stringify(e)!==JSON.stringify(t)&&(n=!1),n},e.extend=function(){for(var e,t,n,o=arguments[0]||{},i=1,a=arguments.length;i<a;i++)if(null!==(e=arguments[i]))for(t in e)o!==(n=e[t])&&void 0!==n&&(o[t]=n);return o},e.dataStorage=e.win.jnewsDataStorage,e.isVisible=function(e){return 0!==e.offsetWidth&&0!==e.offsetHeight||e.getBoundingClientRect().length},e.getHeight=function(e){return e.offsetHeight||e.clientHeight||e.getBoundingClientRect().height},e.getWidth=function(e){return e.offsetWidth||e.clientWidth||e.getBoundingClientRect().width},e.supportsPassive=!1;try{var t=Object.defineProperty({},"passive",{get:function(){e.supportsPassive=!0}});"createEvent"in e.doc?e.win.addEventListener("test",null,t):"fireEvent"in e.doc&&e.win.attachEvent("test",null)}catch(e){}e.passiveOption=!!e.supportsPassive&&{passive:!0},e.setStorage=function(e,t){e="jnews-"+e;var n={expired:Math.floor(((new Date).getTime()+432e5)/1e3)};t=Object.assign(n,t);localStorage.setItem(e,JSON.stringify(t))},e.getStorage=function(e){e="jnews-"+e;var t=localStorage.getItem(e);return null!==t&&0<t.length?JSON.parse(localStorage.getItem(e)):{}},e.expiredStorage=function(){var t,n="jnews-";for(var o in localStorage)o.indexOf(n)>-1&&"undefined"!==(t=e.getStorage(o.replace(n,""))).expired&&t.expired<Math.floor((new Date).getTime()/1e3)&&localStorage.removeItem(o)},e.addEvents=function(t,n,o){for(var i in n){var a=["touchstart","touchmove"].indexOf(i)>=0&&!o&&e.passiveOption;"createEvent"in e.doc?t.addEventListener(i,n[i],a):"fireEvent"in e.doc&&t.attachEvent("on"+i,n[i])}},e.removeEvents=function(t,n){for(var o in n)"createEvent"in e.doc?t.removeEventListener(o,n[o]):"fireEvent"in e.doc&&t.detachEvent("on"+o,n[o])},e.triggerEvents=function(t,n,o){var i;o=o||{detail:null};return"createEvent"in e.doc?(!(i=e.doc.createEvent("CustomEvent")||new CustomEvent(n)).initCustomEvent||i.initCustomEvent(n,!0,!1,o),void t.dispatchEvent(i)):"fireEvent"in e.doc?((i=e.doc.createEventObject()).eventType=n,void t.fireEvent("on"+i.eventType,i)):void 0},e.getParents=function(t,n){void 0===n&&(n=e.doc);for(var o=[],i=t.parentNode,a=!1;!a;)if(i){var r=i;r.querySelectorAll(n).length?a=!0:(o.push(r),i=r.parentNode)}else o=[],a=!0;return o},e.forEach=function(e,t,n){for(var o=0,i=e.length;o<i;o++)t.call(n,e[o],o)},e.getText=function(e){return e.innerText||e.textContent},e.setText=function(e,t){var n="object"==typeof t?t.innerText||t.textContent:t;e.innerText&&(e.innerText=n),e.textContent&&(e.textContent=n)},e.httpBuildQuery=function(t){return e.objKeys(t).reduce(function t(n){var o=arguments.length>1&&void 0!==arguments[1]?arguments[1]:null;return function(i,a){var r=n[a];a=encodeURIComponent(a);var s=o?"".concat(o,"[").concat(a,"]"):a;return null==r||"function"==typeof r?(i.push("".concat(s,"=")),i):["number","boolean","string"].includes(typeof r)?(i.push("".concat(s,"=").concat(encodeURIComponent(r))),i):(i.push(e.objKeys(r).reduce(t(r,s),[]).join("&")),i)}}(t),[]).join("&")},e.get=function(t,n,o,i){return o="function"==typeof o?o:e.noop,e.ajax("GET",t,n,o,i)},e.post=function(t,n,o,i){return o="function"==typeof o?o:e.noop,e.ajax("POST",t,n,o,i)},e.ajax=function(t,n,o,i,a){var r=new XMLHttpRequest,s=n,c=e.httpBuildQuery(o);if(t=-1!=["GET","POST"].indexOf(t)?t:"GET",r.open(t,s+("GET"==t?"?"+c:""),!0),"POST"==t&&r.setRequestHeader("Content-type","application/x-www-form-urlencoded"),r.setRequestHeader("X-Requested-With","XMLHttpRequest"),r.onreadystatechange=function(){4===r.readyState&&200<=r.status&&300>r.status&&"function"==typeof i&&i.call(void 0,r.response)},void 0!==a&&!a){return{xhr:r,send:function(){r.send("POST"==t?c:null)}}}return r.send("POST"==t?c:null),{xhr:r}},e.scrollTo=function(t,n,o){function i(e,t,n){this.start=this.position(),this.change=e-this.start,this.currentTime=0,this.increment=20,this.duration=void 0===n?500:n,this.callback=t,this.finish=!1,this.animateScroll()}return Math.easeInOutQuad=function(e,t,n,o){return(e/=o/2)<1?n/2*e*e+t:-n/2*(--e*(e-2)-1)+t},i.prototype.stop=function(){this.finish=!0},i.prototype.move=function(t){e.doc.documentElement.scrollTop=t,e.globalBody.parentNode.scrollTop=t,e.globalBody.scrollTop=t},i.prototype.position=function(){return e.doc.documentElement.scrollTop||e.globalBody.parentNode.scrollTop||e.globalBody.scrollTop},i.prototype.animateScroll=function(){this.currentTime+=this.increment;var t=Math.easeInOutQuad(this.currentTime,this.start,this.change,this.duration);this.move(t),this.currentTime<this.duration&&!this.finish?e.requestAnimationFrame.call(e.win,this.animateScroll.bind(this)):this.callback&&"function"==typeof this.callback&&this.callback()},new i(t,n,o)},e.unwrap=function(t){var n,o=t;e.forEach(t,(function(e,t){n?n+=e:n=e})),o.replaceWith(n)},e.performance={start:function(e){performance.mark(e+"Start")},stop:function(e){performance.mark(e+"End"),performance.measure(e,e+"Start",e+"End")}},e.fps=function(){var t=0,n=0,o=0;!function(){var i=t=0,a=0,r=0,s=document.getElementById("fpsTable"),c=function(t){void 0===document.getElementsByTagName("body")[0]?e.requestAnimationFrame.call(e.win,(function(){c(t)})):document.getElementsByTagName("body")[0].appendChild(t)};null===s&&((s=document.createElement("div")).style.position="fixed",s.style.top="120px",s.style.left="10px",s.style.width="100px",s.style.height="20px",s.style.border="1px solid black",s.style.fontSize="11px",s.style.zIndex="100000",s.style.backgroundColor="white",s.id="fpsTable",c(s));var l=function(){o++,n=Date.now(),(a=(o/(r=(n-t)/1e3)).toPrecision(2))!=i&&(i=a,s.innerHTML=i+"fps"),1<r&&(t=n,o=0),e.requestAnimationFrame.call(e.win,l)};l()}()},e.instr=function(e,t){for(var n=0;n<t.length;n++)if(-1!==e.toLowerCase().indexOf(t[n].toLowerCase()))return!0},e.winLoad=function(t,n){function o(o){if("complete"===e.doc.readyState||"interactive"===e.doc.readyState)return!o||n?setTimeout(t,n||1):t(o),1}o()||e.addEvents(e.win,{load:o})},e.docReady=function(t,n){function o(o){if("complete"===e.doc.readyState||"interactive"===e.doc.readyState)return!o||n?setTimeout(t,n||1):t(o),1}o()||e.addEvents(e.doc,{DOMContentLoaded:o})},e.fireOnce=function(){e.docReady((function(){e.assets=e.assets||[],e.assets.length&&(e.boot(),e.load_assets())}),50)},e.boot=function(){e.length&&e.doc.querySelectorAll("style[media]").forEach((function(e){"not all"==e.getAttribute("media")&&e.removeAttribute("media")}))},e.create_js=function(t,n){var o=e.doc.createElement("script");switch(o.setAttribute("src",t),n){case"defer":o.setAttribute("defer",!0);break;case"async":o.setAttribute("async",!0);break;case"deferasync":o.setAttribute("defer",!0),o.setAttribute("async",!0)}e.globalBody.appendChild(o)},e.load_assets=function(){"object"==typeof e.assets&&e.forEach(e.assets.slice(0),(function(t,n){var o="";t.defer&&(o+="defer"),t.async&&(o+="async"),e.create_js(t.url,o);var i=e.assets.indexOf(t);i>-1&&e.assets.splice(i,1)})),e.assets=jnewsoption.au_scripts=window.jnewsads=[]},e.setCookie=function(e,t,n){var o="";if(n){var i=new Date;i.setTime(i.getTime()+24*n*60*60*1e3),o="; expires="+i.toUTCString()}document.cookie=e+"="+(t||"")+o+"; path=/"},e.getCookie=function(e){for(var t=e+"=",n=document.cookie.split(";"),o=0;o<n.length;o++){for(var i=n[o];" "==i.charAt(0);)i=i.substring(1,i.length);if(0==i.indexOf(t))return i.substring(t.length,i.length)}return null},e.eraseCookie=function(e){document.cookie=e+"=; Path=/; Expires=Thu, 01 Jan 1970 00:00:01 GMT;"},e.docReady((function(){e.globalBody=e.globalBody==e.doc?e.doc.getElementsByTagName("body")[0]:e.globalBody,e.globalBody=e.globalBody?e.globalBody:e.doc})),e.winLoad((function(){e.winLoad((function(){var t=!1;if(void 0!==window.jnewsadmin)if(void 0!==window.file_version_checker){var n=e.objKeys(window.file_version_checker);n.length?n.forEach((function(e){t||"10.0.4"===window.file_version_checker[e]||(t=!0)})):t=!0}else t=!0;t&&(window.jnewsHelper.getMessage(),window.jnewsHelper.getNotice())}),2500)}))},window.jnews.library=new window.jnews.library;</script><script type="module">;/*! instant.page v5.1.1 - (C) 2019-2020 Alexandre Dieulot - https://instant.page/license */ let t,e;const n=new Set,o=document.createElement("link"),i=o.relList&&o.relList.supports&&o.relList.supports("prefetch")&&window.IntersectionObserver&&"isIntersecting"in IntersectionObserverEntry.prototype,s="instantAllowQueryString"in document.body.dataset,a="instantAllowExternalLinks"in document.body.dataset,r="instantWhitelist"in document.body.dataset,c="instantMousedownShortcut"in document.body.dataset,d=1111;let l=65,u=!1,f=!1,m=!1;if("instantIntensity"in document.body.dataset){const t=document.body.dataset.instantIntensity;if("mousedown"==t.substr(0,9))u=!0,"mousedown-only"==t&&(f=!0);else if("viewport"==t.substr(0,8))navigator.connection&&(navigator.connection.saveData||navigator.connection.effectiveType&&navigator.connection.effectiveType.includes("2g"))||("viewport"==t?document.documentElement.clientWidth*document.documentElement.clientHeight<45e4&&(m=!0):"viewport-all"==t&&(m=!0));else{const e=parseInt(t);isNaN(e)||(l=e)}}if(i){const n={capture:!0,passive:!0};if(f||document.addEventListener("touchstart",(function(t){e=performance.now();const n=t.target.closest("a");h(n)&&v(n.href)}),n),u?c||document.addEventListener("mousedown",(function(t){const e=t.target.closest("a");h(e)&&v(e.href)}),n):document.addEventListener("mouseover",(function(n){if(performance.now()-e<d)return;if(!("closest"in n.target))return;const o=n.target.closest("a");h(o)&&(o.addEventListener("mouseout",p,{passive:!0}),t=setTimeout((()=>{v(o.href),t=void 0}),l))}),n),c&&document.addEventListener("mousedown",(function(t){if(performance.now()-e<d)return;const n=t.target.closest("a");if(t.which>1||t.metaKey||t.ctrlKey)return;if(!n)return;n.addEventListener("click",(function(t){1337!=t.detail&&t.preventDefault()}),{capture:!0,passive:!1,once:!0});const o=new MouseEvent("click",{view:window,bubbles:!0,cancelable:!1,detail:1337});n.dispatchEvent(o)}),n),m){let t;(t=window.requestIdleCallback?t=>{requestIdleCallback(t,{timeout:1500})}:t=>{t()})((()=>{const t=new IntersectionObserver((e=>{e.forEach((e=>{if(e.isIntersecting){const n=e.target;t.unobserve(n),v(n.href)}}))}));document.querySelectorAll("a").forEach((e=>{h(e)&&t.observe(e)}))}))}}function p(e){e.relatedTarget&&e.target.closest("a")==e.relatedTarget.closest("a")||t&&(clearTimeout(t),t=void 0)}function h(t){if(t&&t.href&&(!r||"instant"in t.dataset)&&(a||t.origin==location.origin||"instant"in t.dataset)&&["http:","https:"].includes(t.protocol)&&("http:"!=t.protocol||"https:"!=location.protocol)&&(s||!t.search||"instant"in t.dataset)&&!(t.hash&&t.pathname+t.search==location.pathname+location.search||"noInstant"in t.dataset))return!0}function v(t){if(n.has(t))return;const e=document.createElement("link");e.rel="prefetch",e.href=t,document.head.appendChild(e),n.add(t)}</script> <title>Cooperative Sector Missed Opportunities in 2023, Some Hope in 2024 - Kenyan Wall Street - Business, Markets & Finance Insights</title><meta name="description" content="Discover how missed targets have impacted Kenya鈥檚 co-operatives in 2023, the challenges they face, and implications for the sector's future" /><link rel="canonical" href="https://kenyanwallstreet.com/co-operatives-hit-by-missed-targets-in-2023/" /><meta property="og:locale" content="en_US" /><meta property="og:type" content="article" /><meta property="og:title" content="Cooperative Sector Missed Opportunities in 2023, Some Hope in 2024" /><meta property="og:description" content="Discover how missed targets have impacted Kenya鈥檚 co-operatives in 2023, the challenges they face, and implications for the sector's future" /><meta property="og:url" content="https://kenyanwallstreet.com/co-operatives-hit-by-missed-targets-in-2023/" /><meta property="og:site_name" content="Kenyan Wall Street - Business, Markets & Finance Insights" /><meta property="article:publisher" content="https://www.facebook.com/kenyanwalstreet/" /><meta property="article:published_time" content="2024-01-12T08:53:28+00:00" /><meta property="article:modified_time" content="2024-11-13T08:12:40+00:00" /><meta property="og:image" content="https://kenyanwallstreet.com/wp-content/uploads/2021/08/saccos.jpg" /><meta property="og:image:width" content="750" /><meta property="og:image:height" content="375" /><meta property="og:image:type" content="image/jpeg" /><meta name="author" content="Jackson Okoth" /><meta name="twitter:card" content="summary_large_image" /><meta name="twitter:creator" content="@jackson_okoth" /><meta name="twitter:site" content="@kenyanwalstreet" /><meta name="twitter:label1" content="Written by" /><meta name="twitter:data1" content="Jackson Okoth" /><meta name="twitter:label2" content="Est. reading time" /><meta name="twitter:data2" content="4 minutes" /> <script type="application/ld+json" class="yoast-schema-graph">{"@context":"https://schema.org","@graph":[{"@type":"Article","@id":"https://kenyanwallstreet.com/co-operatives-hit-by-missed-targets-in-2023/#article","isPartOf":{"@id":"https://kenyanwallstreet.com/co-operatives-hit-by-missed-targets-in-2023/"},"author":[{"@id":"https://kenyanwallstreet.com/#/schema/person/c585111dc71d35e7145845d91e3fc699"}],"headline":"Cooperative Sector Missed Opportunities in 2023, Some Hope in 2024","datePublished":"2024-01-12T08:53:28+00:00","dateModified":"2024-11-13T08:12:40+00:00","mainEntityOfPage":{"@id":"https://kenyanwallstreet.com/co-operatives-hit-by-missed-targets-in-2023/"},"wordCount":764,"publisher":{"@id":"https://kenyanwallstreet.com/#organization"},"image":{"@id":"https://kenyanwallstreet.com/co-operatives-hit-by-missed-targets-in-2023/#primaryimage"},"thumbnailUrl":"https://kenyanwallstreet.com/wp-content/uploads/2021/08/saccos.jpg","keywords":["Kenya","Kenya Business News","Kenya Financial Markets News"],"articleSection":["Editorial","Investment","Public Policy"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https://kenyanwallstreet.com/co-operatives-hit-by-missed-targets-in-2023/","url":"https://kenyanwallstreet.com/co-operatives-hit-by-missed-targets-in-2023/","name":"Cooperative Sector Missed Opportunities in 2023, Some Hope in 2024 - Kenyan Wall Street - Business, Markets & Finance Insights","isPartOf":{"@id":"https://kenyanwallstreet.com/#website"},"primaryImageOfPage":{"@id":"https://kenyanwallstreet.com/co-operatives-hit-by-missed-targets-in-2023/#primaryimage"},"image":{"@id":"https://kenyanwallstreet.com/co-operatives-hit-by-missed-targets-in-2023/#primaryimage"},"thumbnailUrl":"https://kenyanwallstreet.com/wp-content/uploads/2021/08/saccos.jpg","datePublished":"2024-01-12T08:53:28+00:00","dateModified":"2024-11-13T08:12:40+00:00","description":"Discover how missed targets have impacted Kenya鈥檚 co-operatives in 2023, the challenges they face, and implications for the sector's future","breadcrumb":{"@id":"https://kenyanwallstreet.com/co-operatives-hit-by-missed-targets-in-2023/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https://kenyanwallstreet.com/co-operatives-hit-by-missed-targets-in-2023/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https://kenyanwallstreet.com/co-operatives-hit-by-missed-targets-in-2023/#primaryimage","url":"https://kenyanwallstreet.com/wp-content/uploads/2021/08/saccos.jpg","contentUrl":"https://kenyanwallstreet.com/wp-content/uploads/2021/08/saccos.jpg","width":750,"height":375},{"@type":"BreadcrumbList","@id":"https://kenyanwallstreet.com/co-operatives-hit-by-missed-targets-in-2023/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://kenyanwallstreet.com/"},{"@type":"ListItem","position":2,"name":"Cooperative Sector Missed Opportunities in 2023, Some Hope in 2024"}]},{"@type":"WebSite","@id":"https://kenyanwallstreet.com/#website","url":"https://kenyanwallstreet.com/","name":"The Kenyan Wall Street","description":"The Thinking Behind The Investor","publisher":{"@id":"https://kenyanwallstreet.com/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https://kenyanwallstreet.com/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https://kenyanwallstreet.com/#organization","name":"The Kenyan Wall Street","url":"https://kenyanwallstreet.com/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https://kenyanwallstreet.com/#/schema/logo/image/","url":"https://kenyanwallstreet.com/wp-content/uploads/2024/05/TKWS-Logo.jpg","contentUrl":"https://kenyanwallstreet.com/wp-content/uploads/2024/05/TKWS-Logo.jpg","width":2000,"height":500,"caption":"The Kenyan Wall Street"},"image":{"@id":"https://kenyanwallstreet.com/#/schema/logo/image/"},"sameAs":["https://www.facebook.com/kenyanwalstreet/","https://x.com/kenyanwalstreet","https://www.linkedin.com/company/kenyanwallstreet/"]},{"@type":"Person","@id":"https://kenyanwallstreet.com/#/schema/person/c585111dc71d35e7145845d91e3fc699","name":"Jackson Okoth","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https://kenyanwallstreet.com/#/schema/person/image/3670fe4c004634e79bb58ab274d4d72c","url":"https://kenyanwallstreet.com/wp-content/uploads/2021/04/b0f9bb8f-840f-4af1-9743-280d2960fdb6-100x100.jpg","contentUrl":"https://kenyanwallstreet.com/wp-content/uploads/2021/04/b0f9bb8f-840f-4af1-9743-280d2960fdb6-100x100.jpg","caption":"Jackson Okoth"},"description":"I am a holder of a Bachelor of Arts Degree in Economics from the University of Nairobi with over 17 years of experience in the field of business journalism. I have been a business reporter for The East African, Economic Review, East African Chronicles and Shrend Publishers before my current position as Content Creator and Editor at the Kenyan Wallstreet","sameAs":["https://x.com/@jackson_okoth"],"url":"https://kenyanwallstreet.com/author/okoth/"}]}</script> <link rel='dns-prefetch' href='//fonts.googleapis.com' /><link rel='preconnect' href='https://fonts.gstatic.com' /><link rel="alternate" type="application/rss+xml" title="Kenyan Wall Street - Business, Markets & Finance Insights » Feed" href="https://kenyanwallstreet.com/feed/" /><link rel="alternate" type="application/rss+xml" title="Kenyan Wall Street - Business, Markets & Finance Insights » Comments Feed" href="https://kenyanwallstreet.com/comments/feed/" /><link rel="alternate" type="text/calendar" title="Kenyan Wall Street - Business, Markets & Finance Insights » iCal Feed" href="https://kenyanwallstreet.com/events/?ical=1" /><link rel="alternate" type="application/rss+xml" title="Kenyan Wall Street - Business, Markets & Finance Insights » Stories Feed" href="https://kenyanwallstreet.com/web-stories/feed/"><script type="text/javascript">window._wpemojiSettings = {"baseUrl":"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/72x72\/","ext":".png","svgUrl":"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/","svgExt":".svg","source":{"concatemoji":"https:\/\/kenyanwallstreet.com\/wp-includes\/js\/wp-emoji-release.min.js?ver=6.4.5"}}; /*! This file is auto-generated */ !function(i,n){var o,s,e;function c(e){try{var t={supportTests:e,timestamp:(new Date).valueOf()};sessionStorage.setItem(o,JSON.stringify(t))}catch(e){}}function p(e,t,n){e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(t,0,0);var t=new Uint32Array(e.getImageData(0,0,e.canvas.width,e.canvas.height).data),r=(e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(n,0,0),new Uint32Array(e.getImageData(0,0,e.canvas.width,e.canvas.height).data));return t.every(function(e,t){return e===r[t]})}function u(e,t,n){switch(t){case"flag":return n(e,"\ud83c\udff3\ufe0f\u200d\u26a7\ufe0f","\ud83c\udff3\ufe0f\u200b\u26a7\ufe0f")?!1:!n(e,"\ud83c\uddfa\ud83c\uddf3","\ud83c\uddfa\u200b\ud83c\uddf3")&&!n(e,"\ud83c\udff4\udb40\udc67\udb40\udc62\udb40\udc65\udb40\udc6e\udb40\udc67\udb40\udc7f","\ud83c\udff4\u200b\udb40\udc67\u200b\udb40\udc62\u200b\udb40\udc65\u200b\udb40\udc6e\u200b\udb40\udc67\u200b\udb40\udc7f");case"emoji":return!n(e,"\ud83e\udef1\ud83c\udffb\u200d\ud83e\udef2\ud83c\udfff","\ud83e\udef1\ud83c\udffb\u200b\ud83e\udef2\ud83c\udfff")}return!1}function f(e,t,n){var r="undefined"!=typeof WorkerGlobalScope&&self instanceof WorkerGlobalScope?new OffscreenCanvas(300,150):i.createElement("canvas"),a=r.getContext("2d",{willReadFrequently:!0}),o=(a.textBaseline="top",a.font="600 32px Arial",{});return e.forEach(function(e){o[e]=t(a,e,n)}),o}function t(e){var t=i.createElement("script");t.src=e,t.defer=!0,i.head.appendChild(t)}"undefined"!=typeof Promise&&(o="wpEmojiSettingsSupports",s=["flag","emoji"],n.supports={everything:!0,everythingExceptFlag:!0},e=new Promise(function(e){i.addEventListener("DOMContentLoaded",e,{once:!0})}),new Promise(function(t){var n=function(){try{var e=JSON.parse(sessionStorage.getItem(o));if("object"==typeof e&&"number"==typeof e.timestamp&&(new Date).valueOf()<e.timestamp+604800&&"object"==typeof e.supportTests)return e.supportTests}catch(e){}return null}();if(!n){if("undefined"!=typeof Worker&&"undefined"!=typeof OffscreenCanvas&&"undefined"!=typeof URL&&URL.createObjectURL&&"undefined"!=typeof Blob)try{var e="postMessage("+f.toString()+"("+[JSON.stringify(s),u.toString(),p.toString()].join(",")+"));",r=new Blob([e],{type:"text/javascript"}),a=new Worker(URL.createObjectURL(r),{name:"wpTestEmojiSupports"});return void(a.onmessage=function(e){c(n=e.data),a.terminate(),t(n)})}catch(e){}c(n=f(s,u,p))}t(n)}).then(function(e){for(var t in e)n.supports[t]=e[t],n.supports.everything=n.supports.everything&&n.supports[t],"flag"!==t&&(n.supports.everythingExceptFlag=n.supports.everythingExceptFlag&&n.supports[t]);n.supports.everythingExceptFlag=n.supports.everythingExceptFlag&&!n.supports.flag,n.DOMReady=!1,n.readyCallback=function(){n.DOMReady=!0}}).then(function(){return e}).then(function(){var e;n.supports.everything||(n.readyCallback(),(e=n.source||{}).concatemoji?t(e.concatemoji):e.wpemoji&&e.twemoji&&(t(e.twemoji),t(e.wpemoji)))}))}((window,document),window._wpemojiSettings);</script> <link rel='stylesheet' id='simple-job-board-google-fonts-css' href='https://fonts.googleapis.com/css?family=Roboto%3A100%2C100i%2C300%2C300i%2C400%2C400i%2C500%2C500i%2C700%2C700i%2C900%2C900i&ver=2.10.5' type='text/css' media='all' /><link rel='stylesheet' id='jeg_customizer_font-css' href='//fonts.googleapis.com/css?family=Work+Sans%3Aregular%2C600%7CLibre+Baskerville%3Aregular%2Citalic%2C700&display=swap&ver=1.3.0' type='text/css' media='all' /><link rel='stylesheet' id='dashicons-css' href='https://kenyanwallstreet.com/wp-includes/css/dashicons.min.css?ver=6.4.5' type='text/css' media='all' /><link rel='preload' as='font' type='font/woff2' crossorigin id='font-awesome-webfont-css' href='https://kenyanwallstreet.com/wp-content/themes/jnews/assets/fonts/font-awesome/fonts/fontawesome-webfont.woff2?v=4.7.0' type='text/css' media='all' /><link rel='preload' as='font' type='font/woff' crossorigin id='jnews-icon-webfont-css' href='https://kenyanwallstreet.com/wp-content/themes/jnews/assets/fonts/jegicon/fonts/jegicon.woff' type='text/css' media='all' /><link rel='preload' as='font' type='font/woff2' crossorigin id='vc-font-awesome-brands-webfont-css' href='https://kenyanwallstreet.com/wp-content/plugins/js_composer/assets/lib/bower/font-awesome/webfonts/fa-brands-400.woff2' type='text/css' media='all' /><link rel='preload' as='font' type='font/woff2' crossorigin id='vc-font-awesome-regular-webfont-css' href='https://kenyanwallstreet.com/wp-content/plugins/js_composer/assets/lib/bower/font-awesome/webfonts/fa-regular-400.woff2' type='text/css' media='all' /><link rel='preload' as='font' type='font/woff2' crossorigin id='vc-font-awesome-solid-webfont-css' href='https://kenyanwallstreet.com/wp-content/plugins/js_composer/assets/lib/bower/font-awesome/webfonts/fa-solid-900.woff2' type='text/css' media='all' /> <script type="text/javascript" src="https://kenyanwallstreet.com/wp-includes/js/jquery/jquery.min.js?ver=3.7.1" id="jquery-core-js"></script> <link rel="https://api.w.org/" href="https://kenyanwallstreet.com/wp-json/" /><link rel="alternate" type="application/json" href="https://kenyanwallstreet.com/wp-json/wp/v2/posts/123105" /><link rel="EditURI" type="application/rsd+xml" title="RSD" href="https://kenyanwallstreet.com/xmlrpc.php?rsd" /><meta name="generator" content="WordPress 6.4.5" /><link rel='shortlink' href='https://kenyanwallstreet.com/?p=123105' /><link rel="alternate" type="application/json+oembed" href="https://kenyanwallstreet.com/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fkenyanwallstreet.com%2Fco-operatives-hit-by-missed-targets-in-2023%2F" /><link rel="alternate" type="text/xml+oembed" href="https://kenyanwallstreet.com/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fkenyanwallstreet.com%2Fco-operatives-hit-by-missed-targets-in-2023%2F&format=xml" /> <script async src="https://www.googletagmanager.com/gtag/js?id=UA-44529240-20"></script> <script>window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} gtag('js', new Date()); gtag('config', 'UA-44529240-20');</script><meta property="og:title" content="Cooperative Sector Missed Opportunities in 2023, Some Hope in 2024" /><meta property="og:description" content="" /><meta property="og:url" content="https://kenyanwallstreet.com/co-operatives-hit-by-missed-targets-in-2023/" /><meta property="og:type" content="website" /><meta property="og:site_name" content="Cooperative Sector Missed Opportunities in 2023, Some Hope in 2024" /><meta property="og:image" content="https://kenyanwallstreet.com/wp-content/uploads/2021/08/saccos.jpg" /> <script type="text/javascript">document.write('<IFRAME SRC="https://ad.doubleclick.net/ddm/trackimpi/N1741099.3968005KENYANWALLSTREET/B31942992.393195694;dc_trk_aid=584815862;dc_trk_cid=215157975;ord=[timestamp];dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;gdpr=${GDPR};gdpr_consent=${GDPR_CONSENT_755};ltd=;dc_tdv=1?" WIDTH=1 HEIGHT=1 MARGINWIDTH=0 MARGINHEIGHT=0 HSPACE=0 VSPACE=0 FRAMEBORDER=0 SCROLLING=no BORDERCOLOR='#000000'></IFRAME>'); document.write('<IFRAME SRC="https://ad.doubleclick.net/ddm/trackimpi/N1741099.3968005KENYANWALLSTREET/B31942992.393195694;dc_trk_aid=584815862;dc_trk_cid=215159691;ord=[timestamp];dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;gdpr=${GDPR};gdpr_consent=${GDPR_CONSENT_755};ltd=;dc_tdv=1?" WIDTH=1 HEIGHT=1 MARGINWIDTH=0 MARGINHEIGHT=0 HSPACE=0 VSPACE=0 FRAMEBORDER=0 SCROLLING=no BORDERCOLOR='#000000'></IFRAME>');</script> <meta name="tec-api-version" content="v1"><meta name="tec-api-origin" content="https://kenyanwallstreet.com"><link rel="alternate" href="https://kenyanwallstreet.com/wp-json/tribe/events/v1/" /><meta name="generator" content="Powered by WPBakery Page Builder - drag and drop page builder for WordPress."/><link rel="icon" href="https://kenyanwallstreet.com/wp-content/uploads/2020/10/cropped-logo-1-32x32.jpg" sizes="32x32" /><link rel="icon" href="https://kenyanwallstreet.com/wp-content/uploads/2020/10/cropped-logo-1-192x192.jpg" sizes="192x192" /><link rel="apple-touch-icon" href="https://kenyanwallstreet.com/wp-content/uploads/2020/10/cropped-logo-1-180x180.jpg" /><meta name="msapplication-TileImage" content="https://kenyanwallstreet.com/wp-content/uploads/2020/10/cropped-logo-1-270x270.jpg" /> <noscript><style>.wpb_animate_when_almost_visible { opacity: 1; }</style></noscript><link media="all" href="https://kenyanwallstreet.com/wp-content/cache/autoptimize/css/autoptimize_225b1b8837693c878ae34efe03c858c1.css" rel="stylesheet"></head><body class="post-template-default single single-post postid-123105 single-format-standard wp-embed-responsive tribe-no-js jeg_toggle_light jeg_single_tpl_2 jnews jsc_normal wpb-js-composer js-comp-ver-6.9.0 vc_responsive"><div class="jeg_ad jeg_ad_top jnews_header_top_ads"><div class='ads-wrapper '></div></div><div class="jeg_viewport"><div class="jeg_header_wrapper"><div class="jeg_header_instagram_wrapper"></div><div class="jeg_header normal"><div class="jeg_topbar jeg_container jeg_navbar_wrapper dark"><div class="container"><div class="jeg_nav_row"><div class="jeg_nav_col jeg_nav_left jeg_nav_grow"><div class="item_wrap jeg_nav_alignleft"><div class="jeg_nav_item"><ul class="jeg_menu jeg_top_menu"><li id="menu-item-118628" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-118628"><a href="https://kenyanwallstreet.com/advertise-with-us/">Advertise with Us</a></li></ul></div></div></div><div class="jeg_nav_col jeg_nav_center jeg_nav_normal"><div class="item_wrap jeg_nav_aligncenter"><div class="jeg_nav_item jeg_top_date"> Saturday, November 23, 2024</div></div></div><div class="jeg_nav_col jeg_nav_right jeg_nav_grow"><div class="item_wrap jeg_nav_alignright"><div class="jeg_nav_item jeg_nav_account"><ul class="jeg_accountlink jeg_menu"><li><a href="#jeg_loginform" class="jeg_popuplink"><i class="fa fa-lock"></i> Login</a></li></ul></div><div class="jeg_nav_item jeg_nav_search"><div class="jeg_search_wrapper jeg_search_no_expand square"> <a href="#" class="jeg_search_toggle"><i class="fa fa-search"></i></a><form action="https://kenyanwallstreet.com/" method="get" class="jeg_search_form" target="_top"> <input name="s" class="jeg_search_input" placeholder="Search..." type="text" value="" autocomplete="off"> <button aria-label="Search Button" type="submit" class="jeg_search_button btn"><i class="fa fa-search"></i></button></form><div class="jeg_search_result jeg_search_hide with_result"><div class="search-result-wrapper"></div><div class="search-link search-noresult"> No Result</div><div class="search-link search-all-button"> <i class="fa fa-search"></i> View All Result</div></div></div></div></div></div></div></div></div><div class="jeg_midbar jeg_container jeg_navbar_wrapper normal"><div class="container"><div class="jeg_nav_row"><div class="jeg_nav_col jeg_nav_left jeg_nav_normal"><div class="item_wrap jeg_nav_alignleft"><div class="jeg_nav_item jeg_button_1"> <a href="https://kenyanwallstreet.beehiiv.com/subscribe" class="btn default " target="_blank" > <i class="fa fa-envelope"></i> NEWSLETTER </a></div></div></div><div class="jeg_nav_col jeg_nav_center jeg_nav_normal"><div class="item_wrap jeg_nav_aligncenter"><div class="jeg_nav_item jeg_logo jeg_desktop_logo"><div class="site-title"> <a href="https://kenyanwallstreet.com/" style="padding: 0 0 0 0;"> <img class='jeg_logo_img' src="https://kenyanwallstreet.com/wp-content/uploads/2018/04/The-Kenyan-Wall-Street-01-3.png" srcset="https://kenyanwallstreet.com/wp-content/uploads/2018/04/The-Kenyan-Wall-Street-01-3.png 1x, https://kenyanwallstreet.com/wp-content/uploads/2018/04/The-Kenyan-Wall-Street-01-3.png 2x" alt="Kenyan Wall Street - Business, Markets & Finance Insights"data-light-src="https://kenyanwallstreet.com/wp-content/uploads/2018/04/The-Kenyan-Wall-Street-01-3.png" data-light-srcset="https://kenyanwallstreet.com/wp-content/uploads/2018/04/The-Kenyan-Wall-Street-01-3.png 1x, https://kenyanwallstreet.com/wp-content/uploads/2018/04/The-Kenyan-Wall-Street-01-3.png 2x" data-dark-src="https://kenyanwallstreet.com/wp-content/themes/jnews/assets/img/logo_darkmode.png" data-dark-srcset="https://kenyanwallstreet.com/wp-content/themes/jnews/assets/img/logo_darkmode.png 1x, https://kenyanwallstreet.com/wp-content/themes/jnews/assets/img/logo_darkmode@2x.png 2x"> </a></div></div></div></div><div class="jeg_nav_col jeg_nav_right jeg_nav_normal"><div class="item_wrap jeg_nav_alignright"><div class="jeg_nav_item jeg_nav_html"> <script async src="https://www.googletagmanager.com/gtag/js?id=G-SL6FNBGTSS"></script> <script>window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} gtag('js', new Date()); gtag('config', 'G-SL6FNBGTSS');</script></div></div></div></div></div></div><div class="jeg_bottombar jeg_navbar jeg_container jeg_navbar_wrapper 1 jeg_navbar_boxed jeg_navbar_fitwidth jeg_navbar_normal"><div class="container"><div class="jeg_nav_row"><div class="jeg_nav_col jeg_nav_left jeg_nav_normal"><div class="item_wrap jeg_nav_alignleft"></div></div><div class="jeg_nav_col jeg_nav_center jeg_nav_grow"><div class="item_wrap jeg_nav_aligncenter"><div class="jeg_nav_item jeg_main_menu_wrapper"><div class="jeg_mainmenu_wrap"><ul class="jeg_menu jeg_main_menu jeg_menu_style_2" data-animation="animate"><li id="menu-item-42067" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-42067 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/">Home</a></li><li id="menu-item-38507" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-38507 bgnav" data-item-row="default" ><a href="#">News</a><ul class="sub-menu"><li id="menu-item-38514" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-38514 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/kenyan-news/">Kenyan News</a></li><li id="menu-item-38515" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-38515 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/african-wall-street/">African Wall Street</a></li><li id="menu-item-38516" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-38516 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/global-news/">Global News</a></li></ul></li><li id="menu-item-38517" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-38517 bgnav" data-item-row="default" ><a href="#">Business News</a><ul class="sub-menu"><li id="menu-item-38518" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-38518 bgnav jeg_child_megamenu two_row" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/agriculture/">Agriculture</a></li><li id="menu-item-42063" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-42063 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/banking/">Banking</a></li><li id="menu-item-38519" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-38519 bgnav jeg_child_megamenu two_row" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/aviation/">Aviation</a></li><li id="menu-item-38520" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-38520 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/energy/">Energy</a></li><li id="menu-item-38521" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-38521 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/manufacturing/">Manufacturing</a></li><li id="menu-item-38522" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-38522 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/markets/">Markets</a></li><li id="menu-item-42066" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-42066 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/technology/">Technology</a></li><li id="menu-item-42065" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-42065 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/startups/">Startups</a></li></ul></li><li id="menu-item-128114" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-128114 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/kenyan-real-estate/">Real Estate</a></li><li id="menu-item-42064" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-42064 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/personal-finance/">Mwananchi Finances</a></li><li id="menu-item-38510" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-38510 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/video-interviews/">Watch & Listen</a></li><li id="menu-item-125374" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-125374 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/events/">Events</a></li></ul></div></div></div></div><div class="jeg_nav_col jeg_nav_right jeg_nav_normal"><div class="item_wrap jeg_nav_alignright"></div></div></div></div></div></div></div><div class="jeg_header_sticky"><div class="sticky_blankspace"></div><div class="jeg_header normal"><div class="jeg_container"><div data-mode="scroll" class="jeg_stickybar jeg_navbar jeg_navbar_wrapper jeg_navbar_fitwidth jeg_navbar_normal"><div class="container"><div class="jeg_nav_row"><div class="jeg_nav_col jeg_nav_left jeg_nav_normal"><div class="item_wrap jeg_nav_alignleft"></div></div><div class="jeg_nav_col jeg_nav_center jeg_nav_grow"><div class="item_wrap jeg_nav_aligncenter"><div class="jeg_nav_item jeg_main_menu_wrapper"><div class="jeg_mainmenu_wrap"><ul class="jeg_menu jeg_main_menu jeg_menu_style_2" data-animation="animate"><li id="menu-item-42067" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-42067 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/">Home</a></li><li id="menu-item-38507" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-38507 bgnav" data-item-row="default" ><a href="#">News</a><ul class="sub-menu"><li id="menu-item-38514" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-38514 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/kenyan-news/">Kenyan News</a></li><li id="menu-item-38515" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-38515 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/african-wall-street/">African Wall Street</a></li><li id="menu-item-38516" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-38516 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/global-news/">Global News</a></li></ul></li><li id="menu-item-38517" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-38517 bgnav" data-item-row="default" ><a href="#">Business News</a><ul class="sub-menu"><li id="menu-item-38518" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-38518 bgnav jeg_child_megamenu two_row" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/agriculture/">Agriculture</a></li><li id="menu-item-42063" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-42063 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/banking/">Banking</a></li><li id="menu-item-38519" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-38519 bgnav jeg_child_megamenu two_row" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/aviation/">Aviation</a></li><li id="menu-item-38520" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-38520 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/energy/">Energy</a></li><li id="menu-item-38521" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-38521 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/manufacturing/">Manufacturing</a></li><li id="menu-item-38522" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-38522 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/markets/">Markets</a></li><li id="menu-item-42066" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-42066 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/technology/">Technology</a></li><li id="menu-item-42065" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-42065 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/startups/">Startups</a></li></ul></li><li id="menu-item-128114" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-128114 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/kenyan-real-estate/">Real Estate</a></li><li id="menu-item-42064" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-42064 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/category/personal-finance/">Mwananchi Finances</a></li><li id="menu-item-38510" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-38510 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/video-interviews/">Watch & Listen</a></li><li id="menu-item-125374" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-125374 bgnav" data-item-row="default" ><a href="https://kenyanwallstreet.com/events/">Events</a></li></ul></div></div></div></div><div class="jeg_nav_col jeg_nav_right jeg_nav_normal"><div class="item_wrap jeg_nav_alignright"><div class="jeg_nav_item jeg_search_wrapper search_icon jeg_search_popup_expand"> <a href="#" class="jeg_search_toggle"><i class="fa fa-search"></i></a><form action="https://kenyanwallstreet.com/" method="get" class="jeg_search_form" target="_top"> <input name="s" class="jeg_search_input" placeholder="Search..." type="text" value="" autocomplete="off"> <button aria-label="Search Button" type="submit" class="jeg_search_button btn"><i class="fa fa-search"></i></button></form><div class="jeg_search_result jeg_search_hide with_result"><div class="search-result-wrapper"></div><div class="search-link search-noresult"> No Result</div><div class="search-link search-all-button"> <i class="fa fa-search"></i> View All Result</div></div></div></div></div></div></div></div></div></div></div><div class="jeg_navbar_mobile_wrapper"><div class="jeg_navbar_mobile" data-mode="scroll"><div class="jeg_mobile_bottombar jeg_mobile_midbar jeg_container normal"><div class="container"><div class="jeg_nav_row"><div class="jeg_nav_col jeg_nav_left jeg_nav_normal"><div class="item_wrap jeg_nav_alignleft"><div class="jeg_nav_item"> <a href="#" class="toggle_btn jeg_mobile_toggle"><i class="fa fa-bars"></i></a></div></div></div><div class="jeg_nav_col jeg_nav_center jeg_nav_grow"><div class="item_wrap jeg_nav_aligncenter"><div class="jeg_nav_item jeg_mobile_logo"><div class="site-title"> <a href="https://kenyanwallstreet.com/"> <img class='jeg_logo_img' src="https://kenyanwallstreet.com/wp-content/uploads/2018/04/The-Kenyan-Wall-Street-01-3.png" srcset="https://kenyanwallstreet.com/wp-content/uploads/2018/04/The-Kenyan-Wall-Street-01-3.png 1x, https://kenyanwallstreet.com/wp-content/uploads/2018/04/The-Kenyan-Wall-Street-01-3.png 2x" alt="Kenyan Wall Street - Business, Markets & Finance Insights"data-light-src="https://kenyanwallstreet.com/wp-content/uploads/2018/04/The-Kenyan-Wall-Street-01-3.png" data-light-srcset="https://kenyanwallstreet.com/wp-content/uploads/2018/04/The-Kenyan-Wall-Street-01-3.png 1x, https://kenyanwallstreet.com/wp-content/uploads/2018/04/The-Kenyan-Wall-Street-01-3.png 2x" data-dark-src="https://kenyanwallstreet.com/wp-content/themes/jnews/assets/img/logo_darkmode.png" data-dark-srcset="https://kenyanwallstreet.com/wp-content/themes/jnews/assets/img/logo_darkmode.png 1x, https://kenyanwallstreet.com/wp-content/themes/jnews/assets/img/logo_darkmode@2x.png 2x"> </a></div></div></div></div><div class="jeg_nav_col jeg_nav_right jeg_nav_normal"><div class="item_wrap jeg_nav_alignright"><div class="jeg_nav_item jeg_search_wrapper jeg_search_popup_expand"> <a href="#" class="jeg_search_toggle"><i class="fa fa-search"></i></a><form action="https://kenyanwallstreet.com/" method="get" class="jeg_search_form" target="_top"> <input name="s" class="jeg_search_input" placeholder="Search..." type="text" value="" autocomplete="off"> <button aria-label="Search Button" type="submit" class="jeg_search_button btn"><i class="fa fa-search"></i></button></form><div class="jeg_search_result jeg_search_hide with_result"><div class="search-result-wrapper"></div><div class="search-link search-noresult"> No Result</div><div class="search-link search-all-button"> <i class="fa fa-search"></i> View All Result</div></div></div></div></div></div></div></div></div><div class="sticky_blankspace" style="height: 60px;"></div></div><div class="jeg_ad jeg_ad_top jnews_header_bottom_ads"><div class='ads-wrapper '><div class='ads_code'></div></div></div><div class="post-wrapper"><div class="post-wrap" ><div class="jeg_main "><div class="jeg_container"><div class="jeg_content jeg_singlepage"><div class="container"><div class="jeg_ad jeg_article_top jnews_article_top_ads"><div class='ads-wrapper '></div></div><div class="entry-header"><h1 class="jeg_post_title">Cooperative Sector Missed Opportunities in 2023, Some Hope in 2024</h1><div class="jeg_meta_container"><div class="jeg_post_meta jeg_post_meta_2"><div class="meta_left"><div class="jeg_meta_author coauthor"> <img data-del="avatar" alt="Jackson Okoth" src='https://kenyanwallstreet.com/wp-content/uploads/2021/04/b0f9bb8f-840f-4af1-9743-280d2960fdb6-100x100.jpg' class='avatar pp-user-avatar avatar-80 photo ' height='80' width='80'/><span class="meta_text ">by</span><a href="https://kenyanwallstreet.com/author/okoth/">Jackson Okoth</a></div><div class="jeg_meta_date"> <a href="https://kenyanwallstreet.com/co-operatives-hit-by-missed-targets-in-2023/">November 13, 2024</a></div><div class="jeg_meta_category"> <span><span class="meta_text">in</span> <a href="https://kenyanwallstreet.com/category/editorial/" rel="category tag">Editorial</a><span class="category-separator">, </span><a href="https://kenyanwallstreet.com/category/investment/" rel="category tag">Investment</a><span class="category-separator">, </span><a href="https://kenyanwallstreet.com/category/public-policy/" rel="category tag">Public Policy</a> </span></div><div class="jeg_meta_reading_time"> <span> Reading Time: 5 mins read </span></div></div><div class="meta_right"></div></div></div></div><div class="row"><div class="jeg_main_content col-md-8"><div class="jeg_inner_content"><div class="jeg_featured featured_image "><a href="https://kenyanwallstreet.com/wp-content/uploads/2021/08/saccos.jpg"><div class="thumbnail-container" style="padding-bottom:50%"><img width="750" height="375" src="https://kenyanwallstreet.com/wp-content/uploads/2021/08/saccos.jpg" class="attachment-jnews-750x375 size-jnews-750x375 wp-post-image" alt="" decoding="async" fetchpriority="high" srcset="https://kenyanwallstreet.com/wp-content/uploads/2021/08/saccos.jpg 750w, https://kenyanwallstreet.com/wp-content/uploads/2021/08/saccos-600x300.jpg 600w, https://kenyanwallstreet.com/wp-content/uploads/2021/08/saccos-300x150.jpg 300w, https://kenyanwallstreet.com/wp-content/uploads/2021/08/saccos-360x180.jpg 360w" sizes="(max-width: 750px) 100vw, 750px" /></div></a></div><div class="jeg_ad jeg_article jnews_content_top_ads "><div class='ads-wrapper '></div></div><div class="entry-content no-share"><div class="jeg_share_button share-float jeg_sticky_share clearfix share-monocrhome"></div><div class="content-inner "><div class='heateorSssClear'></div><div class='heateor_sss_sharing_container heateor_sss_horizontal_sharing' data-heateor-sss-href='https://kenyanwallstreet.com/co-operatives-hit-by-missed-targets-in-2023/'><div class='heateor_sss_sharing_title' style="font-weight:bold" ></div><div class="heateor_sss_sharing_ul"><a aria-label="Facebook" class="heateor_sss_facebook" href="https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fkenyanwallstreet.com%2F%3Fp%3D123105" title="Facebook" rel="nofollow noopener" target="_blank" style="font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle"><span class="heateor_sss_svg" style="background-color:#3c589a;width:70px;height:35px;border-radius:10px;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box"><svg style="display:block;" focusable="false" aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="100%" height="100%" viewBox="-5 -5 42 42"><path d="M17.78 27.5V17.008h3.522l.527-4.09h-4.05v-2.61c0-1.182.33-1.99 2.023-1.99h2.166V4.66c-.375-.05-1.66-.16-3.155-.16-3.123 0-5.26 1.905-5.26 5.405v3.016h-3.53v4.09h3.53V27.5h4.223z" fill="#fff"></path></svg></span></a><a aria-label="Twitter" class="heateor_sss_button_twitter" href="https://twitter.com/intent/tweet?via=kenyanwalstreet&text=Cooperative%20Sector%20Missed%20Opportunities%20in%202023%2C%20Some%20Hope%20in%202024&url=https%3A%2F%2Fkenyanwallstreet.com%2F%3Fp%3D123105" title="Twitter" rel="nofollow noopener" target="_blank" style="font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle"><span class="heateor_sss_svg heateor_sss_s__default heateor_sss_s_twitter" style="background-color:#55acee;width:70px;height:35px;border-radius:10px;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box"><svg style="display:block;" focusable="false" aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="100%" height="100%" viewBox="-4 -4 39 39"><path d="M28 8.557a9.913 9.913 0 0 1-2.828.775 4.93 4.93 0 0 0 2.166-2.725 9.738 9.738 0 0 1-3.13 1.194 4.92 4.92 0 0 0-3.593-1.55 4.924 4.924 0 0 0-4.794 6.049c-4.09-.21-7.72-2.17-10.15-5.15a4.942 4.942 0 0 0-.665 2.477c0 1.71.87 3.214 2.19 4.1a4.968 4.968 0 0 1-2.23-.616v.06c0 2.39 1.7 4.38 3.952 4.83-.414.115-.85.174-1.297.174-.318 0-.626-.03-.928-.086a4.935 4.935 0 0 0 4.6 3.42 9.893 9.893 0 0 1-6.114 2.107c-.398 0-.79-.023-1.175-.068a13.953 13.953 0 0 0 7.55 2.213c9.056 0 14.01-7.507 14.01-14.013 0-.213-.005-.426-.015-.637.96-.695 1.795-1.56 2.455-2.55z" fill="#fff"></path></svg></span></a><a aria-label="Linkedin" class="heateor_sss_button_linkedin" href="http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fkenyanwallstreet.com%2F%3Fp%3D123105&title=Cooperative%20Sector%20Missed%20Opportunities%20in%202023%2C%20Some%20Hope%20in%202024" title="Linkedin" rel="nofollow noopener" target="_blank" style="font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle"><span class="heateor_sss_svg heateor_sss_s__default heateor_sss_s_linkedin" style="background-color:#0077b5;width:70px;height:35px;border-radius:10px;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box"><svg style="display:block;" focusable="false" aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="100%" height="100%" viewBox="0 0 32 32"><path d="M6.227 12.61h4.19v13.48h-4.19V12.61zm2.095-6.7a2.43 2.43 0 0 1 0 4.86c-1.344 0-2.428-1.09-2.428-2.43s1.084-2.43 2.428-2.43m4.72 6.7h4.02v1.84h.058c.56-1.058 1.927-2.176 3.965-2.176 4.238 0 5.02 2.792 5.02 6.42v7.395h-4.183v-6.56c0-1.564-.03-3.574-2.178-3.574-2.18 0-2.514 1.7-2.514 3.46v6.668h-4.187V12.61z" fill="#fff"></path></svg></span></a><a aria-label="Whatsapp" class="heateor_sss_whatsapp" href="https://api.whatsapp.com/send?text=Cooperative%20Sector%20Missed%20Opportunities%20in%202023%2C%20Some%20Hope%20in%202024 https%3A%2F%2Fkenyanwallstreet.com%2F%3Fp%3D123105" title="Whatsapp" rel="nofollow noopener" target="_blank" style="font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle"><span class="heateor_sss_svg" style="background-color:#55eb4c;width:70px;height:35px;border-radius:10px;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box"><svg style="display:block;" focusable="false" aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="100%" height="100%" viewBox="-6 -5 40 40"><path class="heateor_sss_svg_stroke heateor_sss_no_fill" stroke="#fff" stroke-width="2" fill="none" d="M 11.579798566743314 24.396926207859085 A 10 10 0 1 0 6.808479557110079 20.73576436351046"></path><path d="M 7 19 l -1 6 l 6 -1" class="heateor_sss_no_fill heateor_sss_svg_stroke" stroke="#fff" stroke-width="2" fill="none"></path><path d="M 10 10 q -1 8 8 11 c 5 -1 0 -6 -1 -3 q -4 -3 -5 -5 c 4 -2 -1 -5 -1 -4" fill="#fff"></path></svg></span></a><a aria-label="Telegram" class="heateor_sss_button_telegram" href="https://telegram.me/share/url?url=https%3A%2F%2Fkenyanwallstreet.com%2F%3Fp%3D123105&text=Cooperative%20Sector%20Missed%20Opportunities%20in%202023%2C%20Some%20Hope%20in%202024" title="Telegram" rel="nofollow noopener" target="_blank" style="font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle"><span class="heateor_sss_svg heateor_sss_s__default heateor_sss_s_telegram" style="background-color:#3da5f1;width:70px;height:35px;border-radius:10px;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box"><svg style="display:block;" focusable="false" aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="100%" height="100%" viewBox="0 0 32 32"><path fill="#fff" d="M25.515 6.896L6.027 14.41c-1.33.534-1.322 1.276-.243 1.606l5 1.56 1.72 5.66c.226.625.115.873.77.873.506 0 .73-.235 1.012-.51l2.43-2.363 5.056 3.734c.93.514 1.602.25 1.834-.863l3.32-15.638c.338-1.363-.52-1.98-1.41-1.577z"></path></svg></span></a></div><div class="heateorSssClear"></div></div><div class='heateorSssClear'></div><br/><p>The cooperative sector in Kenya has little to celebrate with many missed opportunities in 2023.</p><ul><li>As 2024 begins, the SACCO industry is yet to have a Central Finance Facility-a platform that will enable inter-Sacco lending.</li><li>Although the industry has had a central finance facility run by the Kenya Union of Savings and Credit Co-operatives(KUSCCO) Limited, for the past 30 years, the lobby group is embroiled in a tussle for control of the facility with the Co-op Ministry.</li><li>On the sidelines are commercial banks, who view the inter-Sacco lending facility as a rival to their dominance of the credit market.</li></ul><p>A fully operational inter-lending facility for Sacco means that these financial societies will be able to meet their liquidity shortfalls, do electronic fund transfers. It’ll also allow those with excess cash to lend it out and earn interest through the platform, wiping out the competitive edge that banks currently enjoy.</p><div class="jeg_ad jeg_ad_article jnews_content_inline_ads "><div class='ads-wrapper align-center '><div class='ads_code'><SCRIPT language='JavaScript1.1' SRC="https://ad.doubleclick.net/ddm/trackimpj/N1741099.5084810ADVERTISINGOPS/B32246848.400359255;dc_trk_aid=592686366;dc_trk_cid=219727396;ord[timestamp];dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;gdpr=${GDPR};gdpr_consent=${GDPR_CONSENT_755};ltd=;dc_tdv=1?"attributionsrc ></script></div></div></div><p>Among other issues that are yet to be resolved is a review of the Co-operatives Act- so that it aligns with the new constitution. This has created new complications for cooperatives. For example, since the co-operatives sector now a devolved function, it is still unclear where the commissioner for co-operatives and SASRA supervision and mandate begins and ends. There is also duplication of roles between county governments and the National Government in the supervision of Societies that have a presence in more than one County.</p><p>Due to a lack of clarity within Co-op Act Cap 490, deposit-taking Saccos have been paying levies to both county governments and SASRA.</p><ul><li>Cap 490 and the Sacco Act clauses require a financial cooperative society to have 9 members on its board of directors.</li><li>This, according to experts, is a static and obsolete situation that does not reflect what is happening on the ground, especially with multi-sector DT Saccos societies that draw membership from all Counties and economic sectors.</li><li>Industry insiders insist that clauses dealing with the common bond as well as definitions such as Management Committee Members should not feature in the co-operatives law and statutes.</li></ul><h2 class="wp-block-heading">The Liquidation Death Trap</h2><p>According to the Kenya Society of Professional Co-operators (KSPC), there are no policy guidelines and safeguards to protect the frozen assets of co-operative societies under the liquidator鈥檚 hammer.</p><p>Analysts attribute the collapse of Kenya鈥檚 once vibrant cotton, cashew nuts, sisal, and pyrethrum farming as well as the sharp decline in the fortunes of the coffee industry, to a shutdown of many cooperative societies that once supported farmers in these agricultural sub-sectors.</p><p>There are numerous cases of cooperative societies that went into liquidation due to squabbles within either the board or between it and the management. In these instances, the co-operative remained solvent at the time of liquidation-some in possession of vast tracks of farmland, plant and machinery, vehicles, buildings, and office blocks as well as share certificates, unpaid dividends or rebates as well as cash in the bank, etc.</p><ul><li>Many co-operatives that face liquidation risk having the assets end up in private hands after being sold off without the knowledge of members.</li><li>There are many moribund Co-operatives that shut down operations years ago but are yet to be sold off and proceeds from the sales redistributed to members.</li><li>Co-op sector experts maintain that the liquidation process takes too long with many members waiting for decades before their claims are settled by the liquidator, an officer that is usually appointed by the Commissioner for Co-operatives.</li></ul><p>There has been a push to have a time limit upon which the Commissioner must conclude the process, such as a 4 year window, and an annual report to an appointed caretaker management committee. Industry players have also suggested independent valuations that precede any asset sales.</p><p>At present, there are concerns that the liquidator enjoys too much power and is not answerable to members of the affected societies.</p><h2 class="wp-block-heading">The Future</h2><p>As 2024 begins, all eyes will be on Parliament as it seeks to pass a policy paper that will trigger a review of Co-op Act Cap 490, and eventually set up an inter-Sacco lending facility in addition to updating the law.</p><p>Also under close watch will be The Law of Contract (Amendment) Bill 2023 which seeks to shield guarantors from the auctioneer鈥檚 hammer, when those they have guaranteed fail to meet their debt obligations.</p><p>This Bill intends to protect the assets of guarantors, requiring that all lending institutions, including Banks and Saccos, first liquidate a defaulter鈥檚 properties-including shares or unpaid dividends/rebates, before targeting those held by a guarantor(s).</p><p>ALSO READ: <a href="https://kenyanwallstreet.com/co-operatives-act-to-reviewed-in-2021/">Kenya鈥檚 Outdated Co-operatives Act to be Reviewed in 2021</a></p> <br/><div class='heateorSssClear'></div><div class='heateor_sss_sharing_container heateor_sss_horizontal_sharing' data-heateor-sss-href='https://kenyanwallstreet.com/co-operatives-hit-by-missed-targets-in-2023/'><div class='heateor_sss_sharing_title' style="font-weight:bold" ></div><div class="heateor_sss_sharing_ul"><a aria-label="Facebook" class="heateor_sss_facebook" href="https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fkenyanwallstreet.com%2F%3Fp%3D123105" title="Facebook" rel="nofollow noopener" target="_blank" style="font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle"><span class="heateor_sss_svg" style="background-color:#3c589a;width:70px;height:35px;border-radius:10px;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box"><svg style="display:block;" focusable="false" aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="100%" height="100%" viewBox="-5 -5 42 42"><path d="M17.78 27.5V17.008h3.522l.527-4.09h-4.05v-2.61c0-1.182.33-1.99 2.023-1.99h2.166V4.66c-.375-.05-1.66-.16-3.155-.16-3.123 0-5.26 1.905-5.26 5.405v3.016h-3.53v4.09h3.53V27.5h4.223z" fill="#fff"></path></svg></span></a><a aria-label="Twitter" class="heateor_sss_button_twitter" href="https://twitter.com/intent/tweet?via=kenyanwalstreet&text=Cooperative%20Sector%20Missed%20Opportunities%20in%202023%2C%20Some%20Hope%20in%202024&url=https%3A%2F%2Fkenyanwallstreet.com%2F%3Fp%3D123105" title="Twitter" rel="nofollow noopener" target="_blank" style="font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle"><span class="heateor_sss_svg heateor_sss_s__default heateor_sss_s_twitter" style="background-color:#55acee;width:70px;height:35px;border-radius:10px;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box"><svg style="display:block;" focusable="false" aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="100%" height="100%" viewBox="-4 -4 39 39"><path d="M28 8.557a9.913 9.913 0 0 1-2.828.775 4.93 4.93 0 0 0 2.166-2.725 9.738 9.738 0 0 1-3.13 1.194 4.92 4.92 0 0 0-3.593-1.55 4.924 4.924 0 0 0-4.794 6.049c-4.09-.21-7.72-2.17-10.15-5.15a4.942 4.942 0 0 0-.665 2.477c0 1.71.87 3.214 2.19 4.1a4.968 4.968 0 0 1-2.23-.616v.06c0 2.39 1.7 4.38 3.952 4.83-.414.115-.85.174-1.297.174-.318 0-.626-.03-.928-.086a4.935 4.935 0 0 0 4.6 3.42 9.893 9.893 0 0 1-6.114 2.107c-.398 0-.79-.023-1.175-.068a13.953 13.953 0 0 0 7.55 2.213c9.056 0 14.01-7.507 14.01-14.013 0-.213-.005-.426-.015-.637.96-.695 1.795-1.56 2.455-2.55z" fill="#fff"></path></svg></span></a><a aria-label="Linkedin" class="heateor_sss_button_linkedin" href="http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fkenyanwallstreet.com%2F%3Fp%3D123105&title=Cooperative%20Sector%20Missed%20Opportunities%20in%202023%2C%20Some%20Hope%20in%202024" title="Linkedin" rel="nofollow noopener" target="_blank" style="font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle"><span class="heateor_sss_svg heateor_sss_s__default heateor_sss_s_linkedin" style="background-color:#0077b5;width:70px;height:35px;border-radius:10px;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box"><svg style="display:block;" focusable="false" aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="100%" height="100%" viewBox="0 0 32 32"><path d="M6.227 12.61h4.19v13.48h-4.19V12.61zm2.095-6.7a2.43 2.43 0 0 1 0 4.86c-1.344 0-2.428-1.09-2.428-2.43s1.084-2.43 2.428-2.43m4.72 6.7h4.02v1.84h.058c.56-1.058 1.927-2.176 3.965-2.176 4.238 0 5.02 2.792 5.02 6.42v7.395h-4.183v-6.56c0-1.564-.03-3.574-2.178-3.574-2.18 0-2.514 1.7-2.514 3.46v6.668h-4.187V12.61z" fill="#fff"></path></svg></span></a><a aria-label="Whatsapp" class="heateor_sss_whatsapp" href="https://api.whatsapp.com/send?text=Cooperative%20Sector%20Missed%20Opportunities%20in%202023%2C%20Some%20Hope%20in%202024 https%3A%2F%2Fkenyanwallstreet.com%2F%3Fp%3D123105" title="Whatsapp" rel="nofollow noopener" target="_blank" style="font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle"><span class="heateor_sss_svg" style="background-color:#55eb4c;width:70px;height:35px;border-radius:10px;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box"><svg style="display:block;" focusable="false" aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="100%" height="100%" viewBox="-6 -5 40 40"><path class="heateor_sss_svg_stroke heateor_sss_no_fill" stroke="#fff" stroke-width="2" fill="none" d="M 11.579798566743314 24.396926207859085 A 10 10 0 1 0 6.808479557110079 20.73576436351046"></path><path d="M 7 19 l -1 6 l 6 -1" class="heateor_sss_no_fill heateor_sss_svg_stroke" stroke="#fff" stroke-width="2" fill="none"></path><path d="M 10 10 q -1 8 8 11 c 5 -1 0 -6 -1 -3 q -4 -3 -5 -5 c 4 -2 -1 -5 -1 -4" fill="#fff"></path></svg></span></a><a aria-label="Telegram" class="heateor_sss_button_telegram" href="https://telegram.me/share/url?url=https%3A%2F%2Fkenyanwallstreet.com%2F%3Fp%3D123105&text=Cooperative%20Sector%20Missed%20Opportunities%20in%202023%2C%20Some%20Hope%20in%202024" title="Telegram" rel="nofollow noopener" target="_blank" style="font-size:32px!important;box-shadow:none;display:inline-block;vertical-align:middle"><span class="heateor_sss_svg heateor_sss_s__default heateor_sss_s_telegram" style="background-color:#3da5f1;width:70px;height:35px;border-radius:10px;display:inline-block;opacity:1;float:left;font-size:32px;box-shadow:none;display:inline-block;font-size:16px;padding:0 4px;vertical-align:middle;background-repeat:repeat;overflow:hidden;padding:0;cursor:pointer;box-sizing:content-box"><svg style="display:block;" focusable="false" aria-hidden="true" xmlns="http://www.w3.org/2000/svg" width="100%" height="100%" viewBox="0 0 32 32"><path fill="#fff" d="M25.515 6.896L6.027 14.41c-1.33.534-1.322 1.276-.243 1.606l5 1.56 1.72 5.66c.226.625.115.873.77.873.506 0 .73-.235 1.012-.51l2.43-2.363 5.056 3.734c.93.514 1.602.25 1.834-.863l3.32-15.638c.338-1.363-.52-1.98-1.41-1.577z"></path></svg></span></a></div><div class="heateorSssClear"></div></div><div class='heateorSssClear'></div><div class="jeg_post_tags"></div></div></div><div class="jeg_ad jeg_article jnews_content_bottom_ads "><div class='ads-wrapper '><div class='ads_code'></div></div></div><div class="jnews_prev_next_container"><div class="jeg_prevnext_post"> <a href="https://kenyanwallstreet.com/sasra-to-charge-levy-on-bosa-deposits/" class="post prev-post"> <span class="caption">Previous Post</span><h3 class="post-title">Sacco Regulator to Charge Levy On Cash Deposits of BOSA Saccos</h3> </a> <a href="https://kenyanwallstreet.com/shelter-afrique-to-provide-home-loans-in-nigeria/" class="post next-post"> <span class="caption">Next Post</span><h3 class="post-title">Shelter Afrique to Issue Affordable Housing Loans in Nigeria</h3> </a></div></div><div class="jnews_author_box_container "></div><div class="jnews_related_post_container"><div class="jeg_postblock_20 jeg_postblock jeg_module_hook jeg_pagination_loadmore jeg_col_2o3 jnews_module_123105_0_6741dfb7025eb " data-unique="jnews_module_123105_0_6741dfb7025eb"><div class="jeg_block_heading jeg_block_heading_5 jeg_subcat_right"><h3 class="jeg_block_title"><span>Related<strong> Posts</strong></span></h3></div><div class="jeg_block_container"><div class="jeg_postsmall jeg_load_more_flag"><article class="jeg_post jeg_pl_sm format-standard"><div class="jeg_thumb"> <a href="https://kenyanwallstreet.com/why-kenyans-must-pay-more-attention-to-the-central-bank/"><div class="thumbnail-container size-715 "><img width="120" height="86" src="https://kenyanwallstreet.com/wp-content/uploads/2024/11/WhatsApp-Image-2024-11-22-at-08.37.30-120x86.jpeg" class="attachment-jnews-120x86 size-jnews-120x86 wp-post-image" alt="Central Bank" decoding="async" srcset="https://kenyanwallstreet.com/wp-content/uploads/2024/11/WhatsApp-Image-2024-11-22-at-08.37.30-120x86.jpeg 120w, https://kenyanwallstreet.com/wp-content/uploads/2024/11/WhatsApp-Image-2024-11-22-at-08.37.30-350x250.jpeg 350w" sizes="(max-width: 120px) 100vw, 120px" /></div></a></div><div class="jeg_postblock_content"><h3 class="jeg_post_title"> <a href="https://kenyanwallstreet.com/why-kenyans-must-pay-more-attention-to-the-central-bank/">Why Kenyans Must Pay More Attention to the Central Bank</a></h3><div class="jeg_post_meta"><div class="jeg_meta_date"><a href="https://kenyanwallstreet.com/why-kenyans-must-pay-more-attention-to-the-central-bank/" ><i class="fa fa-clock-o"></i> November 23, 2024</a></div></div></div></article><article class="jeg_post jeg_pl_sm format-standard"><div class="jeg_thumb"> <a href="https://kenyanwallstreet.com/mobile-money-trappings-dip-by-14-5-as-govt-plans-to-trace-transactions/"><div class="thumbnail-container size-715 "><img width="120" height="86" src="https://kenyanwallstreet.com/wp-content/uploads/2022/06/mobile-money-transactions-in-Uganda-ugtechmag-120x86.jpeg" class="attachment-jnews-120x86 size-jnews-120x86 wp-post-image" alt="Tanzania to Cut Mobile Money Transaction Fees by 43%" decoding="async" srcset="https://kenyanwallstreet.com/wp-content/uploads/2022/06/mobile-money-transactions-in-Uganda-ugtechmag-120x86.jpeg 120w, https://kenyanwallstreet.com/wp-content/uploads/2022/06/mobile-money-transactions-in-Uganda-ugtechmag-350x250.jpeg 350w, https://kenyanwallstreet.com/wp-content/uploads/2022/06/mobile-money-transactions-in-Uganda-ugtechmag-750x536.jpeg 750w, https://kenyanwallstreet.com/wp-content/uploads/2022/06/mobile-money-transactions-in-Uganda-ugtechmag-1140x815.jpeg 1140w" sizes="(max-width: 120px) 100vw, 120px" /></div></a></div><div class="jeg_postblock_content"><h3 class="jeg_post_title"> <a href="https://kenyanwallstreet.com/mobile-money-trappings-dip-by-14-5-as-govt-plans-to-trace-transactions/">Mobile Money Trappings Dip by 14.5% as Gov’t Plans to Trace Transactions聽</a></h3><div class="jeg_post_meta"><div class="jeg_meta_date"><a href="https://kenyanwallstreet.com/mobile-money-trappings-dip-by-14-5-as-govt-plans-to-trace-transactions/" ><i class="fa fa-clock-o"></i> November 22, 2024</a></div></div></div></article><article class="jeg_post jeg_pl_xs format-standard"><div class="jeg_postblock_content"><h3 class="jeg_post_title"> <a href="https://kenyanwallstreet.com/ncba-bank-takes-over-unga-groups-ksh-860mn-loan-from-absa/">NCBA Bank Takes Over Unga Group鈥檚 KSh 860mn Loan from Absa</a></h3><div class="jeg_post_meta"><div class="jeg_meta_date"><a href="https://kenyanwallstreet.com/ncba-bank-takes-over-unga-groups-ksh-860mn-loan-from-absa/" ><i class="fa fa-clock-o"></i> November 22, 2024</a></div></div></div></article><article class="jeg_post jeg_pl_xs format-standard"><div class="jeg_postblock_content"><h3 class="jeg_post_title"> <a href="https://kenyanwallstreet.com/lobbyists-propose-wealth-tax-for-high-net-worth-individuals/">Lobby Group Asks Government to Tax the Rich</a></h3><div class="jeg_post_meta"><div class="jeg_meta_date"><a href="https://kenyanwallstreet.com/lobbyists-propose-wealth-tax-for-high-net-worth-individuals/" ><i class="fa fa-clock-o"></i> November 22, 2024</a></div></div></div></article><article class="jeg_post jeg_pl_xs format-standard"><div class="jeg_postblock_content"><h3 class="jeg_post_title"> <a href="https://kenyanwallstreet.com/kenya-bankers-association-report-unearths-gaps-banks-must-seal-to-create-sustainable-future/">Kenya Bankers Association Report Unearths Gaps Banks Must Seal to Create Sustainable Future</a></h3><div class="jeg_post_meta"><div class="jeg_meta_date"><a href="https://kenyanwallstreet.com/kenya-bankers-association-report-unearths-gaps-banks-must-seal-to-create-sustainable-future/" ><i class="fa fa-clock-o"></i> November 22, 2024</a></div></div></div></article><article class="jeg_post jeg_pl_xs format-standard"><div class="jeg_postblock_content"><h3 class="jeg_post_title"> <a href="https://kenyanwallstreet.com/indian-businessman-gautam-adani-faces-us250mn-bribery-charges-in-the-us/">Indian Businessman Gautam Adani Faces US$250mn Bribery Charges in the US</a></h3><div class="jeg_post_meta"><div class="jeg_meta_date"><a href="https://kenyanwallstreet.com/indian-businessman-gautam-adani-faces-us250mn-bribery-charges-in-the-us/" ><i class="fa fa-clock-o"></i> November 21, 2024</a></div></div></div></article><article class="jeg_post jeg_pl_xs format-standard"><div class="jeg_postblock_content"><h3 class="jeg_post_title"> <a href="https://kenyanwallstreet.com/cabinet-secretaries-under-pressure-to-meet-fresh-performance-targets/">Cabinet Secretaries Under Pressure to Meet Fresh Performance Targets</a></h3><div class="jeg_post_meta"><div class="jeg_meta_date"><a href="https://kenyanwallstreet.com/cabinet-secretaries-under-pressure-to-meet-fresh-performance-targets/" ><i class="fa fa-clock-o"></i> November 20, 2024</a></div></div></div></article><article class="jeg_post jeg_pl_xs format-standard"><div class="jeg_postblock_content"><h3 class="jeg_post_title"> <a href="https://kenyanwallstreet.com/treasury-cs-mbadi-moves-to-contain-pension-crisis/">Treasury CS Mbadi Moves to Contain Pension Crisis</a></h3><div class="jeg_post_meta"><div class="jeg_meta_date"><a href="https://kenyanwallstreet.com/treasury-cs-mbadi-moves-to-contain-pension-crisis/" ><i class="fa fa-clock-o"></i> November 19, 2024</a></div></div></div></article></div><div class='module-overlay'><div class='preloader_type preloader_dot'><div class="module-preloader jeg_preloader dot"> <span></span><span></span><span></span></div><div class="module-preloader jeg_preloader circle"><div class="jnews_preloader_circle_outer"><div class="jnews_preloader_circle_inner"></div></div></div><div class="module-preloader jeg_preloader square"><div class="jeg_square"><div class="jeg_square_inner"></div></div></div></div></div></div><div class="jeg_block_navigation"><div class='navigation_overlay'><div class='module-preloader jeg_preloader'><span></span><span></span><span></span></div></div><div class="jeg_block_loadmore "> <a href="#" class='' data-load='Load More' data-loading='Loading...'> Load More</a></div></div> <script>var jnews_module_123105_0_6741dfb7025eb = {"compatible_column_notice":"info","header_icon":"","first_title":"Related","second_title":" Posts","url":"","header_type":"heading_5","header_background":"","header_secondary_background":"","header_text_color":"","header_line_color":"","header_accent_color":"","header_filter_category":"","header_filter_author":"","header_filter_tag":"","header_filter_text":"All","post_type":"post","content_type":"all","sponsor":false,"number_post":"8","post_offset":0,"unique_content":"disable","include_post":"","included_only":false,"exclude_post":123105,"include_category":"9742,2905,2902","exclude_category":"","include_author":"","include_tag":"","exclude_tag":"","sort_by":"latest","date_format":"default","date_format_custom":"Y\/m\/d","force_normal_image_load":"","pagination_mode":"loadmore","pagination_nextprev_showtext":"","pagination_number_post":"8","pagination_scroll_limit":3,"boxed":"","boxed_shadow":"","el_id":"","el_class":"","scheme":"","column_width":"auto","title_color":"","accent_color":"","alt_color":"","excerpt_color":"","css":"","excerpt_length":20,"paged":1,"column_class":"jeg_col_2o3","class":"jnews_block_20"};</script> </div></div><div class="jnews_popup_post_container"><section class="jeg_popup_post"> <span class="caption">Next Post</span><div class="jeg_popup_content"><div class="jeg_thumb"> <a href="https://kenyanwallstreet.com/shelter-afrique-to-provide-home-loans-in-nigeria/"><div class="thumbnail-container size-1000 "><img width="75" height="75" src="https://kenyanwallstreet.com/wp-content/uploads/2023/08/Thierno-Habib-Hann-MD-Shelter-Afrique-75x75.jpg" class="attachment-jnews-75x75 size-jnews-75x75 wp-post-image" alt="" decoding="async" srcset="https://kenyanwallstreet.com/wp-content/uploads/2023/08/Thierno-Habib-Hann-MD-Shelter-Afrique-75x75.jpg 75w, https://kenyanwallstreet.com/wp-content/uploads/2023/08/Thierno-Habib-Hann-MD-Shelter-Afrique-150x150.jpg 150w, https://kenyanwallstreet.com/wp-content/uploads/2023/08/Thierno-Habib-Hann-MD-Shelter-Afrique-96x96.jpg 96w, https://kenyanwallstreet.com/wp-content/uploads/2023/08/Thierno-Habib-Hann-MD-Shelter-Afrique-350x350.jpg 350w" sizes="(max-width: 75px) 100vw, 75px" /></div> </a></div><h3 class="post-title"> <a href="https://kenyanwallstreet.com/shelter-afrique-to-provide-home-loans-in-nigeria/"> Shelter Afrique to Issue Affordable Housing Loans in Nigeria </a></h3></div> <a href="#" class="jeg_popup_close"><i class="fa fa-close"></i></a></section></div><div class="jnews_comment_container"></div></div></div><div class="jeg_sidebar jeg_sticky_sidebar col-md-4"><div class="jegStickyHolder"><div class="theiaStickySidebar"><div class="widget_text widget widget_custom_html" id="custom_html-15"><div class="textwidget custom-html-widget"><div class="jeg_ad jeg_article jnews_sidebar_header_ads"><div class="ads-wrapper "><div class="ads_code"></div></div></div></div></div><div class="widget widget_jnews_social_counter" id="jnews_social_counter-4"><div class="jeg_block_heading jeg_block_heading_6 jnews_module_123105_0_6741dfb713c30"><h3 class="jeg_block_title"><span>Follow Us</span></h3></div><ul class="jeg_socialcounter col3 light"><li class="jeg_twitter"> <a href="https://twitter.com/kenyanwalstreet" target="_blank"><i class="fa fa-twitter"></i> <span>167.4k</span> <small>Followers</small> </a></li><li class="jeg_youtube"> <a href="https://www.youtube.com/channel/UCgrAIOyT2rROw4NRIx3b-Wg" target="_blank"><i class="fa fa-youtube"></i> <span>5.3k</span> <small>Subscribers</small> </a></li><li class="jeg_instagram"> <a href="https://www.instagram.com/kenyan_wallstreet/" target="_blank"><i class="fa fa-instagram"></i> <span>1.2k</span> <small>Followers</small> </a></li></ul></div><div class="widget_text widget widget_custom_html" id="custom_html-6"><div class="jeg_block_heading jeg_block_heading_6 jnews_6741dfb7a6159"><h3 class="jeg_block_title"><span>Podcasts</span></h3></div><div class="textwidget custom-html-widget"><iframe src="https://castbox.fm/app/castbox/player/id1459306?v=8.1.2&autoplay=0" frameborder="0" width="100%" height="500"></iframe></div></div><div class="widget widget_jnews_module_block_21" id="jnews_module_block_21-4"><div class="jeg_postblock_21 jeg_postblock jeg_module_hook jeg_pagination_disable jeg_col_1o3 jnews_module_123105_1_6741dfb7a63d7 normal " data-unique="jnews_module_123105_1_6741dfb7a63d7"><div class="jeg_block_heading jeg_block_heading_6 jeg_subcat_right"><h3 class="jeg_block_title"><span>Featured</span></h3></div><div class="jeg_block_container"><div class='jeg_empty_module'>No Content Available</div><div class='module-overlay'><div class='preloader_type preloader_dot'><div class="module-preloader jeg_preloader dot"> <span></span><span></span><span></span></div><div class="module-preloader jeg_preloader circle"><div class="jnews_preloader_circle_outer"><div class="jnews_preloader_circle_inner"></div></div></div><div class="module-preloader jeg_preloader square"><div class="jeg_square"><div class="jeg_square_inner"></div></div></div></div></div></div><div class="jeg_block_navigation"><div class='navigation_overlay'><div class='module-preloader jeg_preloader'><span></span><span></span><span></span></div></div></div> <script>var jnews_module_123105_1_6741dfb7a63d7 = {"compatible_column_notice":"info","header_icon":"","first_title":"Featured","second_title":"","url":"","header_type":"heading_6","header_background":"","header_secondary_background":"","header_text_color":"","header_line_color":"","header_accent_color":"","header_filter_category":"","header_filter_author":"","header_filter_tag":"","header_filter_text":"All","post_type":"post","content_type":"all","sponsor":false,"number_post":"5","post_offset":"0","unique_content":"disable","include_post":"","included_only":false,"exclude_post":"","include_category":"805","exclude_category":"","include_author":"","include_tag":"","exclude_tag":"","sort_by":"latest","date_format":"default","date_format_custom":"Y\/m\/d","force_normal_image_load":"","pagination_mode":"disable","pagination_nextprev_showtext":"","pagination_number_post":"6","pagination_scroll_limit":"0","boxed":"","boxed_shadow":"","el_id":"","el_class":"","scheme":"normal","column_width":"auto","title_color":"","accent_color":"","alt_color":"","excerpt_color":"","css":"","paged":1,"column_class":"jeg_col_1o3","class":"jnews_block_21"};</script> </div></div><div class="widget_text widget widget_custom_html" id="custom_html-7"><div class="textwidget custom-html-widget"><div class="jeg_ad jeg_article jnews_sidebar_bottom_ads"><div class="ads-wrapper "><div class="ads_code"></div></div></div></div></div></div></div></div></div><div class="jeg_ad jeg_article jnews_article_bottom_ads"><div class='ads-wrapper '></div></div></div></div></div></div><div id="post-body-class" class="post-template-default single single-post postid-123105 single-format-standard wp-embed-responsive tribe-no-js jeg_toggle_light jeg_single_tpl_2 jnews jsc_normal wpb-js-composer js-comp-ver-6.9.0 vc_responsive"></div></div><div class="post-ajax-overlay"><div class="preloader_type preloader_dot"><div class="newsfeed_preloader jeg_preloader dot"> <span></span><span></span><span></span></div><div class="newsfeed_preloader jeg_preloader circle"><div class="jnews_preloader_circle_outer"><div class="jnews_preloader_circle_inner"></div></div></div><div class="newsfeed_preloader jeg_preloader square"><div class="jeg_square"><div class="jeg_square_inner"></div></div></div></div></div></div><div class="footer-holder" id="footer" data-id="footer"><div class="jeg_footer jeg_footer_1 normal"><div class="jeg_footer_container jeg_container"><div class="jeg_footer_content"><div class="container"><div class="row"><div class="jeg_footer_primary clearfix"><div class="col-md-4 footer_column"><div class="footer_widget widget_text" id="text-19"><div class="jeg_footer_heading jeg_footer_heading_1"><h3 class="jeg_footer_title"><span>About Us</span></h3></div><div class="textwidget"><p class="p1"><span class="s1">We are a leading integrated digital content platform providing in-depth business and financial news across Sub-Saharan Africa & the globe.</span></p></div></div></div><div class="col-md-4 footer_column"><div class="footer_widget widget_jnews_about" id="jnews_about-4"><div class="jeg_footer_heading jeg_footer_heading_1"><h3 class="jeg_footer_title"><span>Contact Us</span></h3></div><div class="jeg_about "><p>Kenyan Wall Street <br>Email:聽<a href="/cdn-cgi/l/email-protection" class="__cf_email__" data-cfemail="51383f373e113a343f28303f26303d3d2225233434257f323e3c">[email protected]</a> <br>Website:聽www.kenyanwallstreet.com</p></div></div></div><div class="col-md-4 footer_column"><div class="footer_widget widget_text" id="text-28"><div class="jeg_footer_heading jeg_footer_heading_1"><h3 class="jeg_footer_title"><span>Disclaimer</span></h3></div><div class="textwidget"><p>The information contained in this website is for general information purposes only.<br /> <a class="disclaimer_kenyanwallstreet" href="https://kenyanwallstreet.com/disclaimer">Read more..</a></p></div></div></div></div></div><div class="jeg_footer_secondary clearfix"><div class="footer_right"><ul class="jeg_menu_footer"><li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-118628"><a href="https://kenyanwallstreet.com/advertise-with-us/">Advertise with Us</a></li></ul></div><p class="copyright"> Copyright 2024. Wallstreet Africa Technologies LTD. All Rights Reserved.</p></div></div></div></div></div></div><div class="jscroll-to-top"> <a href="#back-to-top" class="jscroll-to-top_link"><i class="fa fa-angle-up"></i></a></div></div><div id="jeg_loginform" class="jeg_popup mfp-with-anim mfp-hide"><div class="jeg_popupform jeg_popup_account"><form action="#" data-type="login" method="post" accept-charset="utf-8"><h3>Welcome Back!</h3><p>Login to your account below</p><div class="form-message"></div><p class="input_field"> <input type="text" name="username" placeholder="Username" value=""></p><p class="input_field"> <input type="password" name="password" placeholder="Password" value=""></p><p class="input_field remember_me"> <input type="checkbox" id="remember_me" name="remember_me" value="true"> <label for="remember_me">Remember Me</label></p><p class="submit"> <input type="hidden" name="action" value="login_handler"> <input type="hidden" name="jnews_nonce" value="affefafe6d"> <input type="submit" name="jeg_login_button" class="button" value="Log In" data-process="Processing . . ." data-string="Log In"></p><div class="bottom_links clearfix"> <a href="#jeg_forgotform" class="jeg_popuplink forgot">Forgotten Password?</a></div></form></div></div><div id="jeg_forgotform" class="jeg_popup mfp-with-anim mfp-hide"><div class="jeg_popupform jeg_popup_account"><form action="#" data-type="forgot" method="post" accept-charset="utf-8"><h3>Retrieve your password</h3><p>Please enter your username or email address to reset your password.</p><div class="form-message"></div><p class="input_field"> <input type="text" name="user_login" placeholder="Your email or username" value=""></p><div class="g-recaptcha" data-sitekey=""></div><p class="submit"> <input type="hidden" name="action" value="forget_password_handler"> <input type="hidden" name="jnews_nonce" value="affefafe6d"> <input type="submit" name="jeg_login_button" class="button" value="Reset Password" data-process="Processing . . ." data-string="Reset Password"></p><div class="bottom_links clearfix"> <a href="#jeg_loginform" class="jeg_popuplink"><i class="fa fa-lock"></i> Log In</a></div></form></div></div> <script data-cfasync="false" src="/cdn-cgi/scripts/5c5dd728/cloudflare-static/email-decode.min.js"></script><script type="text/javascript">var jfla = []</script><div id="csw_block"></div> <script type="text/javascript">document.write('<IFRAME SRC="https://ad.doubleclick.net/ddm/trackimpi/N1741099.3968005KENYANWALLSTREET/B31942992.393195694;dc_trk_aid=584815862;dc_trk_cid=215157975;ord=[timestamp];dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;gdpr=${GDPR};gdpr_consent=${GDPR_CONSENT_755};ltd=;dc_tdv=1?" WIDTH=1 HEIGHT=1 MARGINWIDTH=0 MARGINHEIGHT=0 HSPACE=0 VSPACE=0 FRAMEBORDER=0 SCROLLING=no BORDERCOLOR='#000000'></IFRAME>'); document.write('<IFRAME SRC="https://ad.doubleclick.net/ddm/trackimpi/N1741099.3968005KENYANWALLSTREET/B31942992.393195694;dc_trk_aid=584815862;dc_trk_cid=215159691;ord=[timestamp];dc_lat=;dc_rdid=;tag_for_child_directed_treatment=;tfua=;gdpr=${GDPR};gdpr_consent=${GDPR_CONSENT_755};ltd=;dc_tdv=1?" WIDTH=1 HEIGHT=1 MARGINWIDTH=0 MARGINHEIGHT=0 HSPACE=0 VSPACE=0 FRAMEBORDER=0 SCROLLING=no BORDERCOLOR='#000000'></IFRAME>');</script> <script>( function ( body ) { 'use strict'; body.className = body.className.replace( /\btribe-no-js\b/, 'tribe-js' ); } )( document.body );</script> <div id="jeg_off_canvas" class="normal"> <a href="#" class="jeg_menu_close"><i class="jegicon-cross"></i></a><div class="jeg_bg_overlay"></div><div class="jeg_mobile_wrapper"><div class="nav_wrap"><div class="item_main"><div class="jeg_aside_item jeg_search_wrapper jeg_search_no_expand square"> <a href="#" class="jeg_search_toggle"><i class="fa fa-search"></i></a><form action="https://kenyanwallstreet.com/" method="get" class="jeg_search_form" target="_top"> <input name="s" class="jeg_search_input" placeholder="Search..." type="text" value="" autocomplete="off"> <button aria-label="Search Button" type="submit" class="jeg_search_button btn"><i class="fa fa-search"></i></button></form><div class="jeg_search_result jeg_search_hide with_result"><div class="search-result-wrapper"></div><div class="search-link search-noresult"> No Result</div><div class="search-link search-all-button"> <i class="fa fa-search"></i> View All Result</div></div></div><div class="jeg_aside_item"><ul class="jeg_mobile_menu sf-js-hover"><li id="menu-item-19190" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-19190"><a href="https://kenyanwallstreet.com/home-1/">Home</a></li><li id="menu-item-50486" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-50486"><a href="#">News</a><ul class="sub-menu"><li id="menu-item-19327" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-19327"><a href="https://kenyanwallstreet.com/category/kenyan-news/">Kenyan News</a></li><li id="menu-item-19328" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-19328"><a href="https://kenyanwallstreet.com/category/african-wall-street/">Pan-African News</a></li><li id="menu-item-19329" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-19329"><a href="https://kenyanwallstreet.com/category/global-news/">Global News</a></li></ul></li><li id="menu-item-50487" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-50487"><a href="#">Business</a><ul class="sub-menu"><li id="menu-item-50488" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-50488"><a href="https://kenyanwallstreet.com/category/agriculture/">Agriculture</a></li><li id="menu-item-50489" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-50489"><a href="https://kenyanwallstreet.com/category/aviation/">Aviation</a></li><li id="menu-item-50490" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-50490"><a href="https://kenyanwallstreet.com/category/banking/">Banking</a></li><li id="menu-item-50491" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-50491"><a href="https://kenyanwallstreet.com/category/energy/">Energy</a></li><li id="menu-item-50496" class="menu-item menu-item-type-taxonomy menu-item-object-category current-post-ancestor current-menu-parent current-post-parent menu-item-50496"><a href="https://kenyanwallstreet.com/category/investment/">Investment</a></li><li id="menu-item-50498" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-50498"><a href="https://kenyanwallstreet.com/category/markets/">Markets</a></li><li id="menu-item-50499" class="menu-item menu-item-type-taxonomy menu-item-object-category current-post-ancestor current-menu-parent current-post-parent menu-item-50499"><a href="https://kenyanwallstreet.com/category/public-policy/">Public Policy</a></li><li id="menu-item-50502" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-50502"><a href="https://kenyanwallstreet.com/category/technology/">Technology</a></li></ul></li><li id="menu-item-128034" class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-128034"><a href="https://kenyanwallstreet.com/category/personal-finance/">Mwananchi Finances</a></li><li id="menu-item-128113" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-128113"><a href="https://kenyanwallstreet.com/kenyan-real-estate/">Real Estate</a></li><li id="menu-item-50504" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-50504"><a href="https://kenyanwallstreet.com/video-interviews/">Listen & Watch</a></li><li id="menu-item-19332" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-19332"><a href="http://events.kenyanwallstreet.com">Events</a></li></ul></div></div><div class="item_bottom"><div class="jeg_aside_item socials_widget nobg"> <a href="https://www.facebook.com/kenyanwallstreet/" target='_blank' rel='external noopener nofollow' class="jeg_facebook"><i class="fa fa-facebook"></i> </a><a href="https://twitter.com/kenyanwallstreet" target='_blank' rel='external noopener nofollow' class="jeg_twitter"><i class="fa fa-twitter"><span class="jeg-icon icon-twitter"><svg xmlns="http://www.w3.org/2000/svg" height="1em" viewBox="0 0 512 512"><path d="M389.2 48h70.6L305.6 224.2 487 464H345L233.7 318.6 106.5 464H35.8L200.7 275.5 26.8 48H172.4L272.9 180.9 389.2 48zM364.4 421.8h39.1L151.1 88h-42L364.4 421.8z"/></svg></span></i> </a><a href="https://www.youtube.com/channel/UCgrAIOyT2rROw4NRIx3b-Wg" target='_blank' rel='external noopener nofollow' class="jeg_youtube"><i class="fa fa-youtube-play"></i> </a><a href="https://www.linkedin.com/company/kenyanwallstreet" target='_blank' rel='external noopener nofollow' class="jeg_linkedin"><i class="fa fa-linkedin"></i> </a></div><div class="jeg_aside_item jeg_aside_copyright"><p>Copyright 2024. Wallstreet Africa Technologies LTD. All Rights Reserved.</p></div></div></div></div></div><div class="jeg_read_progress_wrapper"><div class="jeg_progress_container top"><span class="progress-bar"></span></div></div><script>var tribe_l10n_datatables = {"aria":{"sort_ascending":": activate to sort column ascending","sort_descending":": activate to sort column descending"},"length_menu":"Show _MENU_ entries","empty_table":"No data available in table","info":"Showing _START_ to _END_ of _TOTAL_ entries","info_empty":"Showing 0 to 0 of 0 entries","info_filtered":"(filtered from _MAX_ total entries)","zero_records":"No matching records found","search":"Search:","all_selected_text":"All items on this page were selected. ","select_all_link":"Select all pages","clear_selection":"Clear Selection.","pagination":{"all":"All","next":"Next","previous":"Previous"},"select":{"rows":{"0":"","_":": Selected %d rows","1":": Selected 1 row"}},"datepicker":{"dayNames":["Sunday","Monday","Tuesday","Wednesday","Thursday","Friday","Saturday"],"dayNamesShort":["Sun","Mon","Tue","Wed","Thu","Fri","Sat"],"dayNamesMin":["S","M","T","W","T","F","S"],"monthNames":["January","February","March","April","May","June","July","August","September","October","November","December"],"monthNamesShort":["January","February","March","April","May","June","July","August","September","October","November","December"],"monthNamesMin":["Jan","Feb","Mar","Apr","May","Jun","Jul","Aug","Sep","Oct","Nov","Dec"],"nextText":"Next","prevText":"Prev","currentText":"Today","closeText":"Done","today":"Today","clear":"Clear"}};</script> <script type="text/javascript" id="jquery-ui-datepicker-js-after">jQuery(function(jQuery){jQuery.datepicker.setDefaults({"closeText":"Close","currentText":"Today","monthNames":["January","February","March","April","May","June","July","August","September","October","November","December"],"monthNamesShort":["Jan","Feb","Mar","Apr","May","Jun","Jul","Aug","Sep","Oct","Nov","Dec"],"nextText":"Next","prevText":"Previous","dayNames":["Sunday","Monday","Tuesday","Wednesday","Thursday","Friday","Saturday"],"dayNamesShort":["Sun","Mon","Tue","Wed","Thu","Fri","Sat"],"dayNamesMin":["S","M","T","W","T","F","S"],"dateFormat":"MM d, yy","firstDay":1,"isRTL":false});});</script> <script type="text/javascript" id="embedpress-front-js-extra">var eplocalize = {"ajaxurl":"https:\/\/kenyanwallstreet.com\/wp-admin\/admin-ajax.php"};</script> <script type="text/javascript" id="ppress-frontend-script-js-extra">var pp_ajax_form = {"ajaxurl":"https:\/\/kenyanwallstreet.com\/wp-admin\/admin-ajax.php","confirm_delete":"Are you sure?","deleting_text":"Deleting...","deleting_error":"An error occurred. Please try again.","nonce":"7ffde0124e","disable_ajax_form":"false","is_checkout":"0","is_checkout_tax_enabled":"0"};</script> <script type="text/javascript" id="jnews-main-js-extra">var jnewsoption = {"login_reload":"https:\/\/kenyanwallstreet.com\/co-operatives-hit-by-missed-targets-in-2023","popup_script":"magnific","single_gallery":"","ismobile":"","isie":"1","sidefeed_ajax":"","language":"en_US","module_prefix":"jnews_module_ajax_","live_search":"1","postid":"123105","isblog":"1","admin_bar":"0","follow_video":"","follow_position":"bottom_right","rtl":"0","gif":"","lang":{"invalid_recaptcha":"Invalid Recaptcha!","empty_username":"Please enter your username!","empty_email":"Please enter your email!","empty_password":"Please enter your password!"},"recaptcha":"0","site_slug":"\/","site_domain":"kenyanwallstreet.com","zoom_button":"0"};</script>  <script type="text/javascript" id="heateor_sss_sharing_js-js-before">function heateorSssLoadEvent(e) {var t=window.onload;if (typeof window.onload!="function") {window.onload=e}else{window.onload=function() {t();e()}}}; var heateorSssSharingAjaxUrl = 'https://kenyanwallstreet.com/wp-admin/admin-ajax.php', heateorSssCloseIconPath = 'https://kenyanwallstreet.com/wp-content/plugins/sassy-social-share/public/../images/close.png', heateorSssPluginIconPath = 'https://kenyanwallstreet.com/wp-content/plugins/sassy-social-share/public/../images/logo.png', heateorSssHorizontalSharingCountEnable = 0, heateorSssVerticalSharingCountEnable = 0, heateorSssSharingOffset = -10; var heateorSssMobileStickySharingEnabled = 0;var heateorSssCopyLinkMessage = "Link copied.";var heateorSssUrlCountFetched = [], heateorSssSharesText = 'Shares', heateorSssShareText = 'Share';function heateorSssPopup(e) {window.open(e,"popUpWindow","height=400,width=600,left=400,top=100,resizable,scrollbars,toolbar=0,personalbar=0,menubar=no,location=no,directories=no,status")}</script> <div class="jeg_ad jnews_mobile_sticky_ads "></div><script>jnewsads=window.jnewsads||[],"object"==typeof jnewsads&&"object"==typeof jnews.library&&(jnews.library.objKeys(jnewsads).forEach((function(s){jnews.library.assets=jnews.library.assets||[],jnews.library.assets.indexOf(jnewsads[s])<0&&jnews.library.assets.push(jnewsads[s])})),jnews.library.winLoad((function(){setTimeout((function(){if("object"==typeof jnewsads&&jnewsads.length){var s=jnewsads.slice(0);jnews.library.objKeys(s).forEach((function(e){jnews.library.assets=jnews.library.assets||[];var a=jnews.library.assets.indexOf(s[e]);a>-1&&jnews.library.assets.splice(a,1),(a=jnewsads.indexOf(s[e]))>-1&&jnewsads.splice(a,1),jnews.library.create_js(s[e].url,"deferasync")}))}}),3e3)})));</script><script>document.addEventListener('DOMContentLoaded', function() { // Select the existing div by class name const existingDiv = document.querySelector('.jnews_prev_next_container'); if (existingDiv) { const newDiv = document.createElement('div'); newDiv.id = 'csw_block'; newDiv.className = 'recommendation'; newDiv.style.marginBottom = '20px'; existingDiv.parentNode.insertBefore(newDiv, existingDiv.nextSibling); } else { console.error("Element with class 'jnews_prev_next_container' not found."); } }); const socialCounterDiv = document.querySelector('.widget_jnews_social_counter'); if (socialCounterDiv) { socialCounterDiv.remove(); } (function(d,s,o,f,p,c,t){c=d.createElement(s);c.type='text/javascript';c.charset='UTF-8';c.async=true;c.src=o+f+'?i='+p;t=d.getElementsByTagName(s)[0];t.parentNode.insertBefore(c,t);})(document,'script','//client.contents-search-windows.com/','csw_cl_b.js','6QPclZJWV2ZAIjne') document.addEventListener("DOMContentLoaded", function () { // These are the ad sections defined on the website let allAdSlots = [ { 'section': 'jnews_header_bottom_ads', 'pos': '1', 'sizes': ['728x90', '320x50'] }, { 'section': 'jnews_content_inline_ads', 'pos': '2', 'sizes': ['300x250', '336x280'] }, { 'section': 'jnews_content_bottom_ads', 'pos': '2', 'sizes': ['300x250', '336x280'] }, { 'section': 'jnews_mobile_sticky_ads', 'pos': '2', 'sizes': ['320x50'] }, { 'section': 'jnews_above_footer_ads', 'pos': '2', 'sizes': ['728x90', '300x50', '970x250'] }, { 'section': 'jnews_sidebar_header_ads', 'pos': '2', 'sizes': ['300x250', '300x600'] }, { 'section': 'jnews_sidebar_bottom_ads', 'pos': '2', 'sizes': ['300x250', '300x600'] }, { 'section': 'jnews_homepage_topsection_ads', 'pos': '2', 'sizes': ['728x90', '300x50'] }, ]; let phoneSizes = ['320x50', '300x250', '336x280', '300x600']; let tabletSizes = ['728x90', '300x250', '336x280', '300x600']; let desktopSizes = ['728x90', '300x250', '336x280', '300x600', '160x600', '970x250']; let userDevice = checkDevice(); // Get all the ad slots for the user device and return in the format [{section: 'jnews_header_bottom_ads', pos: '1', size: '728x90'}, ...] let filteredSlots = getAdSlotsByDevice(allAdSlots, userDevice); console.log(filteredSlots); console.log('User Device:', userDevice); filteredSlots.forEach(adSectionConfig => { const section = document.querySelector(`.${adSectionConfig.section}`); console.log('Section:', section); if (section) { section.setAttribute('data-size', adSectionConfig.size); section.setAttribute('pos', adSectionConfig.pos); // Only set display to inline-block if the section is not jnews_mobile_sticky_ads if (adSectionConfig.section !== 'jnews_mobile_sticky_ads') { const adsWrapper = section.querySelector('.ads-wrapper'); // if (adsWrapper) { // adsWrapper.style.display = 'inline-block'; // } } loadAd(section); } }); // Function to load ad content from the server async function loadAd(section) { const size = section.getAttribute('data-size'); let pos = section.getAttribute('pos'); let width = size.split('x')[0]; let height = size.split('x')[1]; const adServerUrl = `https://bidder.mediapal.net/kws?impression_type=1&width=${size.split('x')[0]}&height=${size.split('x')[1]}&pos=${pos}`; try { const response = await fetch(adServerUrl, { method: 'GET', headers: { 'Content-Type': 'application/json', 'Accept': 'application/json', 'x-api-key': 'kws' }, }); if (!response.ok) { throw new Error('Network response was not ok'); } const adResponse = await response.json(); if (adResponse.status === "ok") { const adCodeDiv = section.querySelector('.ads_code'); // Target the ads_code div const adsWrapper = section.querySelector('.ads-wrapper'); // Target the ads_wrapper div // Inject the ad into the responsive-ad div if (adCodeDiv) { if (section.dataset.loaded !== 'true') { const iframe = document.createElement('iframe'); iframe.style.width = width + 'px'; iframe.style.height = height + 'px'; iframe.style.border = 'none'; iframe.scrolling = "no"; iframe.frameborder = "0"; adsWrapper.appendChild(iframe); // Get the iframe's document and inject the ad HTML const iframeDoc = iframe.contentDocument || iframe.contentWindow.document; iframeDoc.open(); iframeDoc.write(adResponse.body); // Insert ad HTML iframeDoc.close(); const iframeBody = iframeDoc.body; if (iframeBody) { iframeBody.style.margin = '0'; iframeBody.style.padding = '0'; // Optionally set padding to 0 as well } section.dataset.loaded = 'true'; // Mark as loaded console.log('Ad loaded in iframe:', section); } } } else if (adResponse.status === "NO_ADS") { loadDefaultAd(section); // Load default ad if no ads available } else { console.error('Failed to load ad: ', adResponse); } } catch (error) { console.error('Error fetching ad:', error); } } // Method to load default ad images function loadDefaultAd(section) { const defaultAdImagesWithUrl = [ { 'size': '300x250', 'src': 'https://kenyanwallstreet.com/wp-content/uploads/2024/09/Vintage-Retro-Newspaper-Style-Statement-Quote-Instagram-Post-375-x-375-px.png', 'redirect_url': 'https://kenyanwallstreet.beehiiv.com/' }, { 'size': '728x90', 'src': 'https://kenyanwallstreet.com/wp-content/uploads/2024/09/Vintage-Retro-Newspaper-Style-Statement-Quote-Instagram-Post-1200-x-630-px-1200-x-400-px-Leaderboard-IAB.png', 'redirect_url': 'https://kenyanwallstreet.beehiiv.com/' } ]; const size = section.getAttribute('data-size'); const adImageData = defaultAdImagesWithUrl.find(ad => ad.size === size); const adsWrapper = section.querySelector('.ads-wrapper'); const adCodeDiv = section.querySelector('.ads_code'); let width = size.split('x')[0]; let height = size.split('x')[1]; // If it's on mobile, update margin right and left with 10px if (window.innerWidth < 768) { adCodeDiv.style.marginRight = '10px'; adCodeDiv.style.marginLeft = '10px'; } // Check if adCodeDiv and adImageData are valid if (adCodeDiv && adImageData) { adCodeDiv.innerHTML = ''; // Clear existing content const link = document.createElement('a'); link.href = adImageData.redirect_url; link.target = "_blank"; // Open in new tab link.rel = "noopener noreferrer"; // Security best practices const img = document.createElement('img'); img.src = adImageData.src; img.alt = "Default Ad"; img.style.width = width + 'px'; img.style.height = height + 'px'; // Append the image to the link link.appendChild(img); // Append the link to the adCodeDiv adCodeDiv.appendChild(link); } else { console.error(`No default ad found for size: ${size}`); } section.dataset.loaded = 'true'; // Mark as loaded } function checkDevice() { if (window.innerWidth < 768) { return 'mobile'; } else if (window.innerWidth >= 768 && window.innerWidth < 1024) { return 'tablet'; } else { return 'desktop'; } } function getAdSlotsByDevice(allAdSlots, userDevice) { let availableSizes; // Determine available sizes based on the device if (userDevice === 'mobile') { availableSizes = phoneSizes; } else if (userDevice === 'tablet') { availableSizes = tabletSizes; } else { // desktop availableSizes = desktopSizes; } console.log('Available Sizes:', availableSizes); // Filter ad slots based on available sizes const filteredAdSlots = allAdSlots.reduce((acc, slot) => { const sizes = Array.isArray(slot.sizes) ? slot.sizes : [slot.size]; // Ensure sizes is an array sizes.forEach(size => { if (availableSizes.includes(size)) { acc.push({ section: slot.section, pos: slot.pos, size: size }); } }); return acc; }, []); return filteredAdSlots; } });</script><script type="text/javascript">;!function(){"use strict";window.jnews=window.jnews||{},window.jnews.first_load=window.jnews.first_load||{},window.jnews.first_load=function(){var e=this,t=jnews.library,n="object"==typeof jnews&&"object"==typeof jnews.library;e.data=null,e.run_ajax=!0,e.run_loginregister=!0,e.clear=function(){e.run_ajax=!0,e.run_loginregister=!0,e.data=null},e.init=function(){n&&(t.globalBody.querySelectorAll(".jeg_popup_account").length&&jnews.loginregister&&e.run_loginregister&&(e.run_loginregister=!1,jnews.loginregister.init(),jnews.loginregister.hook_form()),jfla.length&&e.run_ajax&&(e.run_ajax=!1,e.do_ajax({action:"jnews_first_load_action",jnews_id:jnewsoption.postid,load_action:jfla})))},e.update_counter=function(){if(n){var o={total_view:t.globalBody.querySelectorAll(".jeg_share_stats .jeg_views_count .counts"),total_share:t.globalBody.querySelectorAll(".jeg_share_stats .jeg_share_count .counts"),total_comment:t.globalBody.querySelectorAll(".jeg_meta_comment a span")};t.forEach(Object.entries(e.data.counter),(function([e,n]){o[e].length&&t.forEach(o[e],(function(e,o){t.setText(e,n)}))}))}},e.do_ajax=function(o){if(n){var a=new XMLHttpRequest;a.onreadystatechange=function(){XMLHttpRequest.DONE===a.readyState&&200==a.status&&(e.data=JSON.parse(a.responseText),e.data.counter&&"object"==typeof e.data.counter&&e.update_counter())},a.open("POST",jnews_ajax_url,!0),a.setRequestHeader("Content-Type","application/x-www-form-urlencoded; charset=UTF-8"),a.send(t.httpBuildQuery(o))}}},window.jnews.first_load=new window.jnews.first_load,jnews.first_load.init()}();</script><script>var jnewsoption = jnewsoption || {}; jnewsoption.au_scripts = [{"url":"https:\/\/kenyanwallstreet.com\/wp-content\/cache\/autoptimize\/js\/autoptimize_f75c8a01ebd1e700df8302ce7a84fbc3.js","async":true}];</script><script>jnews.library.objKeys(jnewsoption.au_scripts).forEach(function(r){jnews.library.assets=jnews.library.assets||[],jnews.library.assets.push(jnewsoption.au_scripts[r])});var earlyEvents=function(){jnews.library.assets=jnews.library.assets||[],jnews.library.assets.length?jnews.library.fireOnce():(jnews.library.removeEvents(jnews.library.doc,listEarlyEvents),jnews.library.removeEvents(jnews.library.win,listEarlyEventsWindow))},listEarlyEvents={click:earlyEvents,mousemove:earlyEvents,mousewheel:earlyEvents,scroll:earlyEvents,touchmove:earlyEvents},listEarlyEventsWindow={scroll:earlyEvents,focus:earlyEvents};jnews.library.addEvents(jnews.library.doc,listEarlyEvents),jnews.library.addEvents(jnews.library.win,listEarlyEventsWindow);</script><script type="text/javascript">!function(e,t){var n=function(e,t){"use strict";if(!t.getElementsByClassName)return;var n,a=t.documentElement,i=e.Date,o=e.HTMLPictureElement,r="addEventListener",s="getAttribute",l=e[r],d=e.setTimeout,c=e.requestAnimationFrame||d,u=e.requestIdleCallback,f=/^picture$/i,m=["load","error","lazyincluded","_lazyloaded"],v={},g=Array.prototype.forEach,h=function(e,t){return v[t]||(v[t]=new RegExp("(\\s|^)"+t+"(\\s|$)")),v[t].test(e[s]("class")||"")&&v[t]},z=function(e,t){h(e,t)||e.setAttribute("class",(e[s]("class")||"").trim()+" "+t)},y=function(e,t){var n;(n=h(e,t))&&e.setAttribute("class",(e[s]("class")||"").replace(n," "))},p=function(e,t,n){var a=n?r:"removeEventListener";n&&p(e,t),m.forEach((function(n){e[a](n,t)}))},C=function(e,n,a,i,o){var r=t.createEvent("CustomEvent");return r.initCustomEvent(n,!i,!o,a||{}),e.dispatchEvent(r),r},b=function(t,a){var i;!o&&(i=e.picturefill||n.pf)?i({reevaluate:!0,elements:[t]}):a&&a.src&&(t.src=a.src)},A=function(e,t){return(getComputedStyle(e,null)||{})[t]},E=function(e,t,a){for(a=a||e.offsetWidth;a<n.minSize&&t&&!e._lazysizesWidth;)a=t.offsetWidth,t=t.parentNode;return a},N=(P=[],T=[],$=function(){var e=P;for(P=T,k=!0,O=!1;e.length;)e.shift()();k=!1},D=function(e,n){k&&!n?e.apply(this,arguments):(P.push(e),O||(O=!0,(t.hidden?d:c)($)))},D._lsFlush=$,D),w=function(e,t){return t?function(){N(e)}:function(){var t=this,n=arguments;N((function(){e.apply(t,n)}))}},M=function(e){var t,n=0,a=125,o=66,r=o,s=function(){t=!1,n=i.now(),e()},l=u?function(){u(s,{timeout:r}),r!==o&&(r=o)}:w((function(){d(s)}),!0);return function(e){var o;(e=!0===e)&&(r=44),t||(t=!0,(o=a-(i.now()-n))<0&&(o=0),e||o<9&&u?l():d(l,o))}},_=function(e){var t,n,a=99,o=function(){t=null,e()},r=function(){var e=i.now()-n;e<a?d(r,a-e):(u||o)(o)};return function(){n=i.now(),t||(t=d(r,a))}},W=function(){var o,c,u,m,v,E,W,L,B,F,R,S,k,O,P,T,$=/^img$/i,D=/^iframe$/i,H="onscroll"in e&&!/glebot/.test(navigator.userAgent),I=0,q=0,j=0,G=-1,J=function(e){j--,e&&e.target&&p(e.target,J),(!e||j<0||!e.target)&&(j=0)},K=function(e,n){var i,o=e,r="hidden"==A(t.body,"visibility")||"hidden"!=A(e,"visibility");for(F-=n,k+=n,R-=n,S+=n;r&&(o=o.offsetParent)&&o!=t.body&&o!=a;)(r=(A(o,"opacity")||1)>0)&&"visible"!=A(o,"overflow")&&(i=o.getBoundingClientRect(),r=S>i.left&&R<i.right&&k>i.top-1&&F<i.bottom+1);return r},Q=function(){var e,i,r,l,d,f,m,g,h;if((v=n.loadMode)&&j<8&&(e=o.length)){i=0,G++,null==P&&("expand"in n||(n.expand=a.clientHeight>500&&a.clientWidth>500?500:370),O=n.expand,P=O*n.expFactor),q<P&&j<1&&G>2&&v>2&&!t.hidden?(q=P,G=0):q=v>1&&G>1&&j<6?O:I;for(;i<e;i++)if(o[i]&&!o[i]._lazyRace)if(H)if((g=o[i][s]("data-expand"))&&(f=1*g)||(f=q),h!==f&&(L=innerWidth+f*T,B=innerHeight+f,m=-1*f,h=f),r=o[i].getBoundingClientRect(),(k=r.bottom)>=m&&(F=r.top)<=B&&(S=r.right)>=m*T&&(R=r.left)<=L&&(k||S||R||F)&&(u&&j<3&&!g&&(v<3||G<4)||K(o[i],f))){if(ae(o[i]),d=!0,j>9)break}else!d&&u&&!l&&j<4&&G<4&&v>2&&(c[0]||n.preloadAfterLoad)&&(c[0]||!g&&(k||S||R||F||"auto"!=o[i][s](n.sizesAttr)))&&(l=c[0]||o[i]);else ae(o[i]);l&&!d&&ae(l)}Y()},U=M(Q),V=function(e){z(e,n.loadedClass),y(e,n.loadingClass),y(e,n.afterLoadedClass)},X=function(e){z(e.target,n.afterLoadedClass),Y()},Y=function(){if(W.length>0)for(var e,t,a=n.animateExpand,i=0,o=0;o<W.length;o++){var r=W[o],l=r[s]("data-animate");l&&(a=l),e=W[o].getBoundingClientRect(),t!==a&&(L=innerWidth+a*T,B=innerHeight+a,i=-1*a,t=a),(k=e.bottom)>=i&&(F=e.top)<=B&&(S=e.right)>=i*T&&(R=e.left)<=L&&(k||S||R||F)&&h(r,n.afterLoadedClass)&&V(r)}},Z=function(e,t){try{e.contentWindow.location.replace(t)}catch(n){e.src=t}},ee=function(e){var t,a,i=e[s](n.srcsetAttr);(t=n.customMedia[e[s]("data-media")||e[s]("media")])&&e.setAttribute("media",t),i&&e.setAttribute("srcset",i),t&&((a=e.parentNode).insertBefore(e.cloneNode(),e),a.removeChild(e))},te=w((function(e,t,a,i,o){var r,l,c,u,v,h;(v=C(e,"lazybeforeunveil",t)).defaultPrevented||(i&&(a?z(e,n.autosizesClass):e.setAttribute("sizes",i)),l=e[s](n.srcsetAttr),r=e[s](n.srcAttr),o&&(u=(c=e.parentNode)&&f.test(c.nodeName||"")),h=t.firesLoad||"src"in e&&(l||r||u),v={target:e},h&&(p(e,J,!0),clearTimeout(m),m=d(J,2500),z(e,n.loadingClass),p(e,X,!0)),u&&g.call(c.getElementsByTagName("source"),ee),l?e.setAttribute("srcset",l):r&&!u&&(D.test(e.nodeName)?Z(e,r):e.src=r),(l||u)&&b(e,{src:r})),e._lazyRace&&delete e._lazyRace,y(e,n.lazyClass),N((function(){h&&!ne(e)||(h?J(v):j--)}),!0)}));function ne(e){return!!e.complete&&(void 0===e.naturalWidth||0!==e.naturalWidth)}var ae=function(e){var t,a=$.test(e.nodeName),i=a&&(e[s](n.sizesAttr)||e[s]("sizes")),o="auto"==i;(!o&&u||!a||!e.src&&!e.srcset||e.complete||h(e,n.errorClass))&&(t=C(e,"lazyunveilread").detail,o&&x.updateElem(e,!0,e.offsetWidth),e._lazyRace=!0,j++,te(e,t,o,i,a))},ie=function(){if(!u)if(i.now()-E<999)d(ie,999);else{var e=_((function(){n.loadMode=3,U()}));u=!0,n.loadMode=3,U(),l("scroll",(function(){3==n.loadMode&&(n.loadMode=2),e()}),!0)}};return{_:function(){E=i.now(),o=t.getElementsByClassName(n.lazyClass),W=t.getElementsByClassName(n.afterLoadedClass),c=t.getElementsByClassName(n.lazyClass+" "+n.preloadClass),T=n.hFac,l("scroll",U,!0),l("resize",U,!0),e.MutationObserver?new MutationObserver(U).observe(a,{childList:!0,subtree:!0,attributes:!0}):(a[r]("DOMNodeInserted",U,!0),a[r]("DOMAttrModified",U,!0),setInterval(U,999)),l("hashchange",U,!0),["focus","mouseover","click","load","transitionend","animationend","webkitAnimationEnd"].forEach((function(e){t[r](e,U,!0)})),/d$|^c/.test(t.readyState)?ie():(l("load",ie),t[r]("DOMContentLoaded",U),d(ie,2e4)),o.length?(Q(),N._lsFlush()):U()},checkElems:U,unveil:ae}}(),x=(F=w((function(e,t,n,a){var i,o,r;if(e._lazysizesWidth=a,a+="px",e.setAttribute("sizes",a),f.test(t.nodeName||""))for(o=0,r=(i=t.getElementsByTagName("source")).length;o<r;o++)i[o].setAttribute("sizes",a);n.detail.dataAttr||b(e,n.detail)})),R=function(e,t,n){var a,i=e.parentNode;i&&(n=E(e,i,n),(a=C(e,"lazybeforesizes",{width:n,dataAttr:!!t})).defaultPrevented||(n=a.detail.width)&&n!==e._lazysizesWidth&&F(e,i,a,n))},S=_((function(){var e,t=B.length;if(t)for(e=0;e<t;e++)R(B[e])})),{_:function(){B=t.getElementsByClassName(n.autosizesClass),l("resize",S)},checkElems:S,updateElem:R}),L=function(){L.i||(L.i=!0,x._(),W._())};var B,F,R,S;var k,O,P,T,$,D;return function(){var t,a={lazyClass:"lazyload",loadedClass:"lazyloaded",loadingClass:"lazyloading",afterLoadedClass:"afterloading",preloadClass:"lazypreload",errorClass:"lazyerror",autosizesClass:"lazyautosizes",srcAttr:"data-src",srcsetAttr:"data-srcset",sizesAttr:"data-sizes",minSize:40,customMedia:{},init:!0,expFactor:1.5,hFac:.8,loadMode:2,animateExpand:0};for(t in n=e.lazySizesConfig||e.lazysizesConfig||{},a)t in n||(n[t]=a[t]);e.lazySizesConfig=n,d((function(){n.init&&L()}))}(),{cfg:n,autoSizer:x,loader:W,init:L,uP:b,aC:z,rC:y,hC:h,fire:C,gW:E,rAF:N}}(e,e.document);e.lazySizes=n,"object"==typeof module&&module.exports&&(module.exports=n)}(window);!function(e,t){"use strict";var a=function(){t(e.lazySizes),e.removeEventListener("lazyunveilread",a,!0)};t=t.bind(null,e,e.document),"object"==typeof module&&module.exports?t(require("lazysizes")):e.lazySizes?a():e.addEventListener("lazyunveilread",a,!0)}(window,(function(e,t,a){"use strict";if(e.addEventListener){var i=/\s+/g,r=/\s*\|\s+|\s+\|\s*/g,s=/^(.+?)(?:\s+\[\s*(.+?)\s*\])?$/,n=/$|$|'/,l={contain:1,cover:1},d=function(e){if(e.target._lazybgset){var t=e.target,i=t._lazybgset,r=t.currentSrc||t.src;r&&(i.style.backgroundImage="url("+(n.test(r)?JSON.stringify(r):r)+")"),t._lazybgsetLoading&&(a.fire(i,"_lazyloaded",{},!1,!0),delete t._lazybgsetLoading)}};addEventListener("lazybeforeunveil",(function(e){var n,l,o;!e.defaultPrevented&&(n=e.target.getAttribute("data-bgset"))&&(o=e.target,(l=t.createElement("img")).alt="",l._lazybgsetLoading=!0,e.detail.firesLoad=!0,function(e,a,n){var l=t.createElement("picture"),d=a.getAttribute(lazySizesConfig.sizesAttr),o=a.getAttribute("data-ratio"),z=a.getAttribute("data-optimumx");a._lazybgset&&a._lazybgset.parentNode==a&&a.removeChild(a._lazybgset),Object.defineProperty(n,"_lazybgset",{value:a,writable:!0}),Object.defineProperty(a,"_lazybgset",{value:l,writable:!0}),e=e.replace(i," ").split(r),l.style.display="none",n.className=lazySizesConfig.lazyClass,1!=e.length||d||(d="auto"),e.forEach((function(e){var a=t.createElement("source");d&&"auto"!=d&&a.setAttribute("sizes",d),e.match(s)&&(a.setAttribute(lazySizesConfig.srcsetAttr,RegExp.$1),RegExp.$2&&a.setAttribute("media",lazySizesConfig.customMedia[RegExp.$2]||RegExp.$2)),l.appendChild(a)})),d&&(n.setAttribute(lazySizesConfig.sizesAttr,d),a.removeAttribute(lazySizesConfig.sizesAttr),a.removeAttribute("sizes")),z&&n.setAttribute("data-optimumx",z),o&&n.setAttribute("data-ratio",o),l.appendChild(n),a.appendChild(l)}(n,o,l),setTimeout((function(){a.loader.unveil(l),a.rAF((function(){a.fire(l,"_lazyloaded",{},!0,!0),l.complete&&d({target:l})}))})))})),t.addEventListener("load",d,!0),e.addEventListener("lazybeforesizes",(function(e){if(e.detail.instance==a&&e.target._lazybgset&&e.detail.dataAttr){var t=function(e){var t;return t=(getComputedStyle(e)||{getPropertyValue:function(){}}).getPropertyValue("background-size"),!l[t]&&l[e.style.backgroundSize]&&(t=e.style.backgroundSize),t}(e.target._lazybgset);l[t]&&(e.target._lazysizesParentFit=t,a.rAF((function(){e.target.setAttribute("data-parent-fit",t),e.target._lazysizesParentFit&&delete e.target._lazysizesParentFit})))}}),!0),t.documentElement.addEventListener("lazybeforesizes",(function(e){var t,i;!e.defaultPrevented&&e.target._lazybgset&&e.detail.instance==a&&(e.detail.width=(t=e.target._lazybgset,i=a.gW(t,t.parentNode),(!t._lazysizesWidth||i>t._lazysizesWidth)&&(t._lazysizesWidth=i),t._lazysizesWidth))}))}}));</script></body></html>