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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">Kenyans Under Extreme Financial Distress-Old Mutual Report</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/kenyans-under-financial-duress-old-mutual-report/">November 20, 2024</a></div><div class="jeg_meta_category"> <span><span class="meta_text">in</span> <a href="https://kenyanwallstreet.com/category/finance/" rel="category tag">Finance</a><span class="category-separator">, </span><a href="https://kenyanwallstreet.com/category/kenyan-news/" rel="category tag">Kenyan News</a><span class="category-separator">, </span><a href="https://kenyanwallstreet.com/category/personal-finance/" rel="category tag">Personal Finance</a> </span></div><div class="jeg_meta_reading_time"> <span> Reading Time: 3 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/2021/06/money.jpg"><div class="thumbnail-container" style="padding-bottom:60.289%"><img width="622" height="375" src="https://kenyanwallstreet.com/wp-content/uploads/2021/06/money-622x375.jpg" class="attachment-jnews-750x375 size-jnews-750x375 wp-post-image" alt="" 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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>Kenyans in their majority are increasingly postponing decisions to take up insurance, save, or invest due to stagnated income streams, according to an inaugural financial services monitor report by <a href="https://www.youtube.com/watch?v=tbM0g8w6kbY">Old Mutual Group</a>.</p><ul><li>9 out of 10 Kenyans earn less than or the same as before the Covid-19 pandemic period.</li><li>The report further highlights that satisfaction levels with current household income are poor with just one in 10 being satisfied except for higher income earners.</li><li>Income streams for Kenyans have remained constant, against rising expenditures due to high inflation rates, the Old Mutual Report says.</li></ul><p>“Due to this and the challenging macroeconomic environment, Kenyans’ confidence in the economy is very low at only 16 percent,” said Old Mutual Group CEO Arthur Oginga. The report also highlights dependents as another contributing factor to Kenyans facing financial stress and postponing other crucial financial decisions.</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>It says three out of four working Kenyans have children, with the majority under 12. 58 percent have adult dependents, mainly their parents, who rely on them financially. “Overall, 46 percent are a part of the sandwich generation (financially taking care of both children and adult dependents),” the report reads.</p><p>According to the Group, this trend has seen the majority of households opting for debt to try and make ends meet. “Over the last year, about 41 percent of Kenyans borrowed money from family or friends. One in four borrowed from Chamas, while some 38 percent used their savings to sustain themselves.”</p><ul><li>The most prevalent formalized credit used includes credit cards at 34 percent (mostly taken up by those formally employed), personal loans from Chamas at 25 percent, and personal loans from friends/family at 24 percent.</li><li>About 37 percent used their mobile money accounts to take out a loan, the report adds in part.</li><li>As a result, paying off debt has become among Kenyans’ top 3 financial priorities.</li></ul><p>To address this growing challenge, Old Mutual Investment Group managing director- Anthony Mwithiga said Kenyans need to engage more financial advisers in the current tough economic environment to cushion them from the financial stress that is taking a physical and emotional toll.</p><p>“Saccos and chamas are mainly used for saving towards education costs, buying property and business needs,” the report reads. Starting a business is Kenyans’ second highest savings goal, driven by those under 50 years old.</p><p>ALSO READ: <a href="https://kenyanwallstreet.com/old-mutual-makes-ksh-200m-ore-tax-in-hy-2023/">Old Mutual Group Records KSh 200 M in HY 2023 Pre-tax Profit</a></p> <br/><div class='heateorSssClear'></div><div class='heateor_sss_sharing_container heateor_sss_horizontal_sharing' data-heateor-sss-href='https://kenyanwallstreet.com/kenyans-under-financial-duress-old-mutual-report/'><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%3D124347" 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" 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