Shikoh Kihika, Tribeless Youth: Fighting Tribal Politics Before 2027 Elections
With her activism, Shikoh Kihika seeks to re-educate her Kenyan base, about the futility of possessing insular ideas that lead to ethnic clashes every election cycle.
:Shikoh Kihika’s Tribeless Youth: Championing Diversity, Fighting Tribal Politics, and Shaping Kenya’s Future Ahead of 2027 Elections
By Charles Wachira
Shikoh Kihika, is the Executive Director of Tribeless Youth (TY), a four-year-old community-based initiative stitched up by a group of youths drawn from Nakuru County who according to this 25-year-old- “ saw the need to speak out against the injustices bedevilling Kenya wrought by tribal politics. ”
Based in Nakuru County, the country’s third largest city after the capital Nairobi and the port-based Mombasa metro, TY -which is a membership organisation – now has a footprint in seven counties including in Nakuru, Laikipia, Baringo, Nairobi, Kisumu, Uasin- Gishu and Kisii out of the country’s total of 47.
Conspicuously the seven counties have played out as flashpoints in every cycle of elections beginning Dec 1991. Then the heavy-handed administration of Daniel arap Moi grudgingly capitulated to a global momentum driven by the momentous collapse of the Wall of Berlin on 9 November 1989 leading to a return to plural democracy here after a hiatus of 14 years.
It turns out, that the fall of the Berlin Wall symbolised the apocalypse of totalitarianism beginning in Europe and eventually trickling down to the Asian and African continents.
Verifiably polls held in 1992, 1997, 2007, 2013 and 2017 in East Africa’s largest economy have routinely witnessed political violence, leading thousands of people to be killed and tens of thousands of others displaced in ethnic-related clashes.
These sanguinary acts, perpetrated by politics of identity, encapsulate the Achilles heel hindering the growth of national politics based on bread-and-butter issues. And if not gridlocked, embolden a future fraught with real possibilities of stirring secession and further bloodshed.
“Since independence, it’s evident that Kenyan politics has been characterized by ethnic tensions. But it was not until 2007/2008 that the demons of tribalism flared up after the hotly disputed national elections which left more than 1,000 people dead and thousands of others internally displaced. Numerous attempts to slay the dragon of tribalism have not been easy. Commissions have been formed, songs composed, and wars fought but still, we are not yet there in identifying the root cause of tribalism,” says Shiko who in 2018 emerged the runners-up in the national Diversity and Inclusion Awards & Recognition (DIAR), in the social media category.
The DIAR is a premier platform that recognises individuals and organisations in Kenya that promote diversity and inclusion.
“ It was against this backdrop that Tribeless Youth sought to change the tribal script in our country, making it hard for politicians to play the tribal card…. The aim of founding the organisation was to try to demystify the ideologies of ‘my tribe, my people’ to enhance unity amongst Kenya’s younger generation and turn them into change-makers,” says Shikoh.
Kenya is a youthful country with 75 % of its population aged between 18- and 35 years, according to the United Nations Human Rights Office of the High Commissioner (OGCHR), with a large percentage unemployed and feeling marginalised in terms of access to opportunities, representation and participation.
Taking cognisant of the existential fact that a country cannot move progressively forward where a section of its populace plays the ageism card TY also soaks from the knowledge possessed by the elderly in society in an endeavor geared at changing the narrative “ that tribes are the problem by going back in history and using these lessons and experiences to redefine the future. This in turn helps young people to use history carried by the elderly to draw parallels about political participation then and now,” explains Shikoh.
In a working paper titled “ Sources of Ethnic Identification in Africa “ written by Edward Miguel, an Assistant Professor of Economics at the University of California, Berkeley, and Daniel N. Posner, an Assistant Professor in the Department of Political Science at the University of California, Los Angeles there is a symbiotic relationship between the intensity of political and economic competition and the salience of ethnicity.
“ … It’s’ clear that as African countries institute democratic and market reforms it will become more urgent – not less – for African governments to develop policies and institutional mechanisms that are capable of dealing with ethnic divisions. Kenya’s recent political developments are informative. After the reintroduction of competitive multi-party politics in the early 1990s, Kenya’s reform efforts have increasingly become mired in tribal politics, including violent ethnic clashes that left hundreds dead. Policies and institutions such as those in place in neighbouring Tanzania – a country known for its efforts at nation-building through the promotion of Swahili as a national language, and public education, might serve as a model for how Kenya, and other African countries, could dampen destructive ethnic divisions.”
To run TY, Shiko receives funding from generic local and international organisations including MidRift Hurrinet, a human rights organisation based in Nakuru, the Humanist Institute for Cooperation with Developing Countries (Hivos), VOICE Global and the FORD Foundation.
What achievements has TY achieved in its four years of existence?
“ As an organisation, having to mobilise and work together with various government agencies such as security sectors and county governments, civil society organisations, private sector and institutions of higher learning to address problems that bedeck our society such as corruption, extrajudicial killings and advocate for human rights, good governance and social justice has been our highlights,” says Shiko who seeks to entrench TY firmly across all the 47 counties in Kenya with young people at the helm of its leadership.
With Kenya scheduled to hold elections in 2027 Shiko certainly has her job cut out.
Keywords: Shikoh Kihika: Tribeless Youth: Tribal politics: Kenyan elections:Diversity and inclusion
Commercial Banking
Equity Green Finance Africa Leads Growth
The bank’s mobile and branch network ensures deep rural penetration. It reaches areas where formal banking is scarce.
Equity green finance Africa drives mass-market climate solutions, funding solar, agriculture, and MSMEs for sustainable development.
Equity Green Finance Africa: Scaling Climate Impact at the Base
Equity Group Holdings is leading the charge in Equity green finance Africa, placing climate-smart financing directly into the hands of smallholder farmers, micro, small and medium enterprises (MSMEs), and households. As global finance increasingly tilts toward sustainability, the bank has deliberately focused on mass-market climate inclusion, thereby delivering measurable economic and environmental outcomes at scale.
At the center of this strategy sits the Equity Group Foundation, which channels blended finance and donor capital into solar, biogas, irrigation, and climate-smart agriculture solutions. Furthermore, the 2025 Integrated Annual Report indicates that the group has committed over $500 million (≈ KSh 64.5 billion) toward climate-related financing, reaching millions of smallholder farmers and MSMEs.
Image suggestion: Smallholder farmers using solar irrigation
Alt text: “Equity green finance Africa solar irrigation impact”
Scaling Climate Finance at the Base of the Economy
In contrast to peers such as Stanbic Bank Kenya, which prioritize structured ESG corporate lending, Equity has chosen a different path. Instead, the bank deploys small-ticket, high-volume financing, enabling rapid adoption of green technologies among underserved communities.
To illustrate, the bank’s 2025 initiatives include:
- Solar home systems and off-grid energy financing
- Biogas and clean cooking solutions for households
- Climate-smart agriculture inputs such as irrigation kits and drought-resistant seeds
Additionally, partnerships with World Bank financial inclusion programs have expanded outreach across rural economies. As a result, climate resilience is embedded directly into livelihoods, rather than remaining a top-down policy ambition.
Real-Life Impact Across Communities
Across regions, the results are increasingly visible. In western Kenya, for instance, a group of 100 smallholder maize farmers accessed solar-powered irrigation systems financed through Equity-backed programs. Consequently, their yields rose by approximately 30% within a single season.
At the same time, micro-enterprises in Kisumu adopting biogas systems have reported energy cost reductions of up to 40%, while also lowering dependence on charcoal. Taken together, these outcomes highlight how Equity’s climate inclusion model converts capital into measurable impact, rather than abstract sustainability commitments.
Image suggestion: Biogas-powered SME in Kisumu
Alt text: “Equity green finance Africa clean energy SME”
Distribution as a Strategic Advantage
Crucially, Equity’s strength lies not in complex product design but in distribution scale. With one of the largest customer bases in Africa, the bank leverages multiple channels to expand access efficiently.
For example:
- Mobile and agency banking platforms extend reach into remote regions
- A customer base exceeding 14 million in Kenya supports rapid rollout
- Community-based engagement strengthens grassroots adoption
Because of this, the bank scales Equity green finance Africa far more effectively than competitors. In contrast to traditional banking models, it penetrates informal economies where collateral is limited but demand remains strong.
A Different Approach to ESG
Rather than focusing on headline ESG transactions, Equity has built a model centered on inclusion. Specifically, its approach prioritizes climate inclusion at scale, livelihood-linked financing, and economic resilience in underserved communities.
Moreover, this framework aligns closely with global financial inclusion standards, which emphasize access as the primary constraint in emerging markets. Consequently, the bank demonstrates that sustainability can be achieved through breadth of access, not just financial structuring.
Strategic Trade-Offs and Market Position
Naturally, this approach involves trade-offs. On one hand, Equity delivers broad-based impact and deep market penetration. On the other, it generates fewer high-profile ESG transactions compared to peers.
For comparison:
- Stanbic Bank Kenya focuses on structured ESG and sustainability-linked loans
- KCB Group emphasizes large-scale infrastructure financing
- Absa Bank Kenya drives ESG product innovation
Even so, Equity’s model stands apart. By prioritizing scale over sophistication, it positions itself as East Africa’s largest climate inclusion engine.
Global Context and Future Outlook
Across emerging markets, demand for climate finance continues to rise. At the same time, investors are increasingly seeking models that combine financial returns with measurable impact.
In this context, Equity’s approach offers a compelling blueprint. Not only does it attract development finance, but it also appeals to private capital focused on sustainability outcomes. Furthermore, its scalability makes it adaptable across African markets where smallholder farmers and MSMEs dominate economic activity.
Conclusion: Redefining Green Finance
Ultimately, Equity Group Holdings is reshaping the meaning of green finance in Africa. By deploying over $500 million into solar, biogas, and climate-smart agriculture, the bank is embedding sustainability directly into everyday economic activity.
While competitors focus on structuring large ESG deals, Equity is transforming livelihoods at scale. Therefore, the future of Equity green finance Africa may not lie in financial complexity but in access, distribution, and measurable real-world impact.
Commercial Banking
Stanbic vs Rivals in Kenya’s Green Finance Race
KCB is financing large green infrastructure and corporate projects. Its strength lies in balance sheet capacity.
Stanbic, Equity, KCB and Absa are racing to dominate green finance in Kenya. Here’s how their ESG strategies compare in 2025.
Kenya’s Green Finance Battle: Who Is Really Leading?
Kenya’s banking sector is entering a decisive phase in climate finance, with Stanbic Bank Kenya, Equity Group Holdings, KCB Group and Absa Bank Kenya all scaling environmental, social and governance (ESG) lending.
But beneath the shared narrative of sustainability lies a clear divergence in strategy, execution and scale.
Stanbic: Structured ESG as a Core Banking Model
Stanbic has taken perhaps the most institutionally embedded approach to green finance.
Its model is defined by:
- ESG screening integrated into all large loans
- Active structuring of sustainability-linked deals
- Target to green ~10% of its loan book
The bank’s participation in a KSh 15 billion (≈ $116 million) sustainability-linked loan for Safaricom illustrates its edge—not just lending, but structuring performance-based ESG financing.
Crucially, Stanbic is leveraging its parent, Standard Bank Group, to align with global climate finance standards—giving it stronger access to international capital.
👉 Positioning: Most sophisticated ESG structurer in Kenya
Equity Group: Scale and Climate Inclusion at the Base
Equity Group Holdings is taking a different route—focusing on scale and mass-market climate financing.
Through its foundation and partnerships, Equity has:
- Committed over $500 million toward climate finance initiatives
- Financed clean energy solutions such as solar kits and biogas
- Targeted millions of smallholder farmers and MSMEs
Its model is less about complex ESG instruments and more about broad-based climate inclusion.
Equity’s strength lies in distribution—its vast customer base allows it to push green products deep into rural and informal markets.
👉 Positioning: Largest climate inclusion engine
KCB Group: Corporate Green Deals and Balance Sheet Strength
KCB Group sits somewhere between Stanbic and Equity.
Its strategy focuses on:
- Large-scale corporate and infrastructure financing
- Green project funding (energy, manufacturing, agribusiness)
- Regional expansion of ESG lending
KCB has committed billions toward sustainable finance and is actively aligning with global frameworks such as the UN Principles for Responsible Banking.
However, its ESG model remains more portfolio-driven than structurally embedded, compared to Stanbic.
👉 Positioning: Corporate-scale green financier
Absa Kenya: ESG Integration and Product Innovation
Absa Bank Kenya is focusing on product innovation and internal ESG alignment.
Key initiatives include:
- Green bonds and sustainable finance products
- Internal carbon reduction strategies
- SME-focused green financing
Absa has also been active in advisory and structuring roles, though at a smaller scale compared to Stanbic.
Its strength lies in financial engineering and ESG product design, but it is still building scale.
👉 Positioning: Emerging ESG product innovator
Where the Real Differences Lie
1. Depth vs Breadth
- Stanbic: Deep, structured ESG integration
- Equity: Wide, mass-market reach
- KCB: Large corporate deals
- Absa: Product innovation
2. Type of Green Finance
- Stanbic: Sustainability-linked loans, structured ESG deals
- Equity: Solar, agriculture, MSME financing
- KCB: Infrastructure and corporate green lending
- Absa: Green bonds, advisory, niche products
3. Access to Global Capital
- Stanbic: Strong (via Standard Bank Group)
- Equity: Strong (DFI partnerships)
- KCB: Moderate to strong
- Absa: Growing
The Strategic Divide: Two Competing Models
Kenya’s green finance market is effectively splitting into two dominant models:
🔹 1. Institutional ESG Finance (Stanbic Model)
- Structured deals
- Performance-linked lending
- Global capital alignment
🔹 2. Mass Climate Inclusion (Equity Model)
- High-volume lending
- Rural and SME penetration
- Development-driven approach
KCB and Absa operate in hybrid territory between these poles.
Who Is Winning?
The answer depends on the metric:
- Most advanced ESG structuring: Stanbic
- Biggest reach and impact: Equity
- Largest corporate deals: KCB
- Most innovative products: Absa
But in terms of future positioning, Stanbic’s model may offer the strongest leverage.
Why?
Because global capital is increasingly flowing toward:
- Measurable ESG outcomes
- Structured sustainability-linked instruments
- Banks with integrated climate risk frameworks
The Bigger Picture: A Market Entering Maturity
Kenya is one of Africa’s most advanced green finance markets, supported by:
- Over 80% renewable energy generation
- Strong regulatory backing
- Growing investor interest in ESG assets
This is pushing banks to move beyond narrative into execution and measurable impact.
Conclusion: A Defining Decade for Green Banking
The competition between Stanbic, Equity, KCB and Absa is not just about market share—it is about defining the future model of African banking.
- Will it be structured, globally aligned ESG finance?
- Or mass-market climate inclusion at scale?
For now, Kenya is hosting both experiments in real time.
And for investors watching closely, one thing is clear:
green finance is no longer optional—it is the next battleground for banking dominance in Africa.
Commercial Banking
Stanbic Green Finance Push Accelerates
Stanbic is targeting at least 10% of its portfolio as green. The shift reflects a structural change in lending strategy.
Stanbic Bank Kenya scales green finance in 2025, expanding solar loans, ESG deals and climate-linked funding to back Kenya’s transition.
Stanbic’s Green Finance Strategy Enters Scale Phase
Stanbic Bank Kenya is accelerating its transition into a sustainability-led lender, scaling climate finance across its portfolio in 2025 as it positions itself at the centre of Kenya’s green economic shift.
Building on momentum from its latest sustainability disclosures, the bank has moved beyond policy commitments into active capital deployment across renewable energy, green real estate and sustainability-linked corporate financing.
This is no longer ESG as narrative—this is ESG as balance sheet strategy.
2025: From Commitments to Capital
Stanbic’s green finance activity in 2025 reflects a clear acceleration phase.
The bank expanded its renewable energy lending, issuing over KSh 500 million (≈ $3.9 million) in solar financing, while deepening participation in sustainability-linked transactions tied to measurable environmental outcomes, as detailed in recent sector reporting.
At the corporate level, Stanbic also participated in a KSh 15 billion (≈ $116 million) sustainability-linked loan for Safaricom, one of Kenya’s largest ESG-linked financings to date, where pricing is tied directly to environmental performance targets.
This signals a structural shift: capital is increasingly being priced against sustainability metrics.
Leadership Signal: ESG as Core Strategy
Stanbic’s leadership has been explicit about the shift.
Speaking in recent sustainability updates, Joshua Oigara emphasized that “sustainability is embedded in how we allocate capital and manage risk,” reinforcing the bank’s transition toward climate-aligned lending.
This marks a departure from traditional banking models, where environmental considerations were often peripheral. At Stanbic, ESG is now integrated into:
- Sector selection
- Credit structuring
- Risk assessment frameworks
Every major deal is increasingly screened through an environmental and social lens.
Green Portfolio Expansion and Targets
Stanbic’s green portfolio is steadily expanding, with sustainability-linked lending now accounting for a growing share of its overall loan book.
The bank is targeting at least 10% of its portfolio to be green or sustainability-linked, building on an estimated 8% base achieved by 2024, according to industry disclosures and sustainability reporting.
Key sectors driving this growth include:
- Renewable energy (solar and distributed power systems)
- Sustainable agriculture (climate-resilient inputs and irrigation)
- Green real estate (energy-efficient buildings)
- E-mobility (low-emission transport financing)
This sectoral diversification reflects a deliberate alignment with Kenya’s climate priorities.
Financing Kenya’s Energy Transition
Kenya already generates more than 80% of its electricity from renewable sources, making it one of Africa’s clean energy leaders.
Stanbic is positioning itself as a key financial intermediary in scaling this transition further, particularly in distributed solar and commercial energy solutions.
Through targeted solar lending and project financing, the bank is supporting:
- SMEs transitioning to off-grid solar
- Commercial and industrial energy users
- Real estate developers integrating green technologies
Internally, the bank is also advancing sustainability, including solar adoption across its own operations, reinforcing credibility with ESG-focused investors.
Structuring the Future: ESG-Linked Finance
Beyond direct lending, Stanbic is playing an increasingly important role in structuring ESG-linked financial instruments.
The Safaricom sustainability-linked facility represents a broader trend where:
- Loan pricing is tied to emissions reductions
- Borrowers commit to measurable ESG targets
- Banks embed sustainability into deal structures
This model is gaining traction globally—and Stanbic is among the early movers in East Africa.
Competitive Advantage in a Crowded Market
Stanbic’s green finance strategy provides a clear differentiator in Kenya’s banking sector.
Three advantages stand out:
1. Integrated ESG Risk Framework
Unlike many competitors, Stanbic embeds climate risk directly into credit decision-making.
2. Deal Structuring Capability
The bank is active not just in lending, but in structuring complex sustainability-linked transactions.
3. Global Alignment
Through its parent, Standard Bank Group, Stanbic aligns with global ESG standards, enhancing its ability to attract international capital.
This positions the bank as a bridge between global climate finance and local economic opportunities.
The Global Capital Angle
Climate finance is rapidly becoming one of the most important capital flows into emerging markets.
With global investors increasingly allocating funds toward ESG-compliant assets, Stanbic’s positioning offers a strategic advantage:
- Access to development finance institutions
- Alignment with global climate frameworks
- Ability to intermediate large-scale green capital flows
In effect, the bank is not just financing projects—it is building a pipeline for international climate capital into Kenya.
Conclusion: Banking on the Green Transition
Stanbic Bank Kenya’s green finance push has entered a decisive phase in 2025.
With KSh 500 million ($3.9 million) already deployed in solar lending, active participation in $116 million ESG-linked deals, and a clear roadmap toward greening its loan book, the bank is transforming sustainability into a core business line.
For global investors and policymakers, the message is unmistakable:
Stanbic is positioning itself not just as a bank—but as a climate finance platform for East Africa.
Equity Green Finance Africa Leads Growth
Stanbic vs Rivals in Kenya’s Green Finance Race
Stanbic Green Finance Push Accelerates
-
Commercial Banking6 days agoKenya Banks Competitive Growth Insights 2026
-
Commercial Banking3 days agoStandard Bank Growth Plan Faces Africa Risks
-
Top Banks7 days agoTop 10 Capitalized Banks in East Africa 2025
-
Boardroom Leadership5 days agoEast Africa Women CEOs 2025 Rankings
-
Insurance6 days agoTop 10 Capitalized Insurers in East Africa 2025
-
Entrepreneur5 days agoEast Africa’s Richest 2025: Top 10 Revealed
-
Commercial Banking3 days agoKenya Capital Drive Faces Execution Test
-
Commercial Banking3 days agoHF Group Profit Hits Record on Bond Strategy