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I made Sh40k from first dragon fruit harvest. Should I quit my Sh30k job to focus on farming?

Jane Muia
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I made Sh40k from first dragon fruit harvest. Should I quit my Sh30k job to focus on farming?

A Facebook user has sparked debate online after revealing his earnings from his job and farming side hustle, seeking advice on whether to leave formal employment and venture fully into farming.

The man, who shared his story in the popular Facebook community Tujengane, said he has been in employment for nearly 10 years and currently earns a monthly salary of Shs30,000.

He disclosed that through disciplined saving over the years, he has accumulated slightly over Shs600,000. In 2022, he ventured into dragon fruit farming on a quarter-acre piece of land while maintaining his full-time job.

According to his account, the investment has started showing promise. He said he began harvesting the crop last year and produced about 200 kilogrammes, which he sold at Sh200 per kilogramme, earning Shs40,000 from the first harvest.

He added that the crop is still relatively young and expects production to rise significantly as the plants mature.

The man said he has been seriously considering resigning from his job to focus fully on farming and explore related agribusiness opportunities. However, he admitted that he is unsure about the decision, calling for advice from other users.

“I have been employed for close to 10 years, currently earning a salary of Sh30,000 per month. Over the years, I have managed to save slightly over Shs600,000. In 2022, I ventured into dragon fruit farming on a quarter-acre piece of land while still employed . I started harvesting last year and managed to produce about 200 kg, which I sold at Sh200 per kg, earning Shs40,000,” he stated.

“The crop is still young and I expect production to increase as the plants mature.Lately, I have been contemplating resigning from my job and dedicating my time fully to farming and related agribusiness opportunities. However, I am torn between keeping the security of employment and taking the risk of pursuing farming full-time.If you were in my position, would you resign and focus on farming, or would you continue working while expanding the farm gradually?,” he added.

Responding to the questions, various users recommended building consistent income streams and expanding gradually before abandoning salaried employment, especially when the farming venture is still in its early stages.

The users observed that while farming can yield higher returns, it also comes with risks such as unpredictable weather, market fluctuations, and production challenges.

Below are some of the responses:

Vintytere Wambui: First, congratulations. Saving over Sh600,000 on a Sh30,000 salary while establishing a dragon fruit farm is no small achievement. It shows discipline, patience, and a willingness to think beyond a paycheck.

If I were in your position, I would be very careful about resigning immediately. The fact that you’re asking the question suggests that part of you is still seeking certainty, and farming, like any business, rarely offers certainty.

Your current job may not be making you wealthy, but it is helping you finance your dream while reducing pressure on the farm. Once you resign, the farm stops being a promising venture and becomes responsible for paying all your bills, and that changes everything emotionally and financially.

Before resigning, I would want to see consistent harvests, reliable markets, and farm income that can comfortably support my living expenses for several seasons—not just one good harvest. I would also want enough savings to cover at least 12 months of expenses in case things don’t go according to plan.

From what you’ve shared, I would continue working while expanding the farm gradually. Let the farm prove itself over time. When the income from farming becomes consistently strong and predictable, the decision to leave employment will feel less like a leap of faith and more like a natural next step.

Remember, there’s no shame in building your dream slowly. Sometimes the safest path is also the one that gives the dream the best chance of succeeding.

Aaron Nganga: You earned 40,000 last year telephone farming, you also earned 360,000 from your employer. Now ask yourself, do you know what dragon fruits need to make you 300k a year? If you don’t…use the remaining days in 2026 to be a professional on Dragon fruit. Own the entire chain from production to marketing and sales to supply. After you have confirmed you can be employed by dragon fruit….you can leave your job.

Phillip Dande: Run with both concurrently,do a realistic forecast of both options and ask yourself what the next 5 years will look like (which side of the two will grow or recede and by how much).

That should guide you on where to spend more of your time and resources to get that aspect to that number.

At the end of every year, compare your actual achieved to the 5 year plan and that result should then be factored into the decision to quit or shoulder on while considering other pertinent factors that could exist at the time of review eg, family, health,worklife balance, age to retirement, experience, skills gap, future financial needs, changing ecosystems etc.

Its a fairly complex decision but with the right underlying information you can arrive at the best move to make whether to stay or bail out and farm.

Also Read: Low-cost agribusiness ideas that will make you rich

Goals, red cards, and live music: The 2026 world cup officially begins!

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Goals, red cards, and live music: The 2026 world cup officially begins!

The FIFA World Cup officially kicked off yesterday, and for football fans who showed up at the Local Productions Ground for MultiChoice Kenya’s opening match viewing party, this marked the beginning of a month-long celebration of the beautiful game.

While fans watched Mexico vs South Africa in the tournament opener, which ended in a 2-0 victory for Mexico over South Africa, the vibe really matched what makes the FIFA World Cup one of those world wide sporting events people love. Friends, families, partners and just general football lovers came together, to soak up the excitement, trade thoughts about what was happening on the pitch, and celebrate the return of football’s biggest stage.

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This year’s tournament is also extra meaningful for viewers around Kenya. For the first time, all 104 FIFA World Cup matches are available to DStv customers on Access and above, so it feels like one of the easiest World Cup viewing moments yet. Then there’s the ongoing Open Time promotion, which allows eligible DStv and GOtv customers to enjoy access to higher packages at no extra cost through June, so more people can jump in on the action without worrying too much.

The opening viewing party was held at the The Local Production Kenya Grounds and it gave a taste of what is coming next in the weeks ahead: memorable scenes, serious spirited talk and that collective happiness that football can stir up, almost on command. The night also featured an amazing live performance by Hart the Band, adding to the festive atmosphere and giving fans even more reason to celebrate beyond the action on the pitch.

As the tournament carries on, fans across the country will keep meeting in homes, entertainment spots and community spaces, to watch the drama, the shocks and the triumph.

Patrick Analo: Man found with Sh65m at home has Sh13.9m in bank

Mwova Mwende
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Patrick Analo: Man found with Sh65m at home has Sh13.9m in bank

The High Court has issued orders freezing multiple bank accounts belonging to former Nairobi County Government Chief Officer Patrick Analo Akivaga.

This follows a sting operation at Analo’s residence in Syokimau by the Ethics and Anti-Corruption Commission (EACC) that recovered Sh65.3 million in cash. This money was in batches of Sh51,300,000 and USD130,000 (equivalent to Sh14,605,250). The money was all hidden in the boot of Analo’s vehicle.

“Our operation yielded valuable evidentiary material to support the ongoing investigations, including Sh51,300,000 and 113,000 US Dollars (approximately 14,000,000), totaling Sh65,300,000 recovered at his residence in Syokimau within Machakos County and in his motor vehicle’s boot,” the EACC had stated.

At the same time, the EACC detectives recovered  several title deeds, motor vehicle log books, laptops, land and motor vehicle sale agreements, electronic devices including mobile phones and iPads, documents and approval plans from the County Government of Nairobi.

As the EACC sought orders to freeze his accounts, it was revealed that Patrick Analo Akivaga has Sh10.3 million in Cooperative Bank, Sh2 million in KCB Bank and Sh1.6 million in Equity Bank. His wife has Sh3 million in her KCB Bank. Altogether, Analo and his wife have Sh16.9 million which the EACC has termed as unexplained funds.

This implies that Patrick Analo had been storing more cash at his home than he had in his bank accounts. When freezing the bank accounts, Justice Rose Ougo of the Anti-Corruption Division of the High Court determined that the application by the EACC contained merit since Analo and his wife could not explain the source of the money that had been recovered by the EACC detectives at their residence.

“The respondents are spouses, business partners, and directors of several companies that trade with the Vihiga County Government,” Justice Ougo stated.

She further noted that the evidence that had been provided by the EACC indicated that Patrick Analo and his spouse had accumulated a large asset base that was disproportional to their legitimate sources of income.

Patrick Analo Akivaga: Man busted with Sh65 million cash at his home

Justice Ougo also heard that the EACC is pursuing the couple over abuse of office, bribery and possession of unexplained assets, and conflict of interest.

According to the Salaries and Remuneration Commission (SRC), County Chief Officers in Job Group S/T are entitled to a gross salary ranging from Sh217,070 to Sh283,010 per month.

According to the anti-corruption commission, Analo had allegedly received over Sh170 million through numerous suspicious cash and M-Pesa deposits between the 2019/2020 and 2025/2026 financial years.

Patrick Analo had been serving under Nairobi Governor Johnson Sakaja as the Chief Officer for Urban Development and Planning.

This department is considered one of the most influential departments in the County of  Nairobi. It handles development approvals, planning permissions, change-of-user applications, and enforcement of urban planning regulations across Kenya’s capital city.

Analo was nominated for the position by Sakaja in 2022. He was among two others whose names were presented to the County Assembly of Nairobi for consideration. He was approved by the Members of the County Assembly.

Months later in 2023, Analo was appointed by Sakaja as the County’s Secretary after Members of County Assembly (MCAs) rejected Mr Jairus Musumba.

This appointment meant that Analo would be tasked with co-ordinating the business of the County Executive Committee and keeping its minutes, subject to the committee’s directions. This appointment was however stopped by the High Court of Kenya.

Patrick Analo had previously, worked under former Nairobi Governor Mike Sonko and Ann Kananu as the Deputy Director for Urban Development and Planning, a role in which he led in planning and development functions within the city administration.

He holds a Master’s degree in urban management from the University of Nairobi, which he pursued between 2009 and 2011. At the same time, Patrick Analo Akivaga holds certifications from the United Nations Institute for Training and Research, Makerere University, and Maseno University.

Jubilee Holdings Limited posts Shs5.6B profit as it eyes regional retail expansion

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Jubilee Holdings Limited posts Shs5.6B profit as it eyes regional retail expansion

Jubilee Holdings Limited (JHL) today held its 88th Annual General Meeting, highlighting plans to accelerate retail expansion across East Africa and deepen its financial wellness ecosystem following a strong financial performance in 2025.

The Group reported an 18 per cent increase in Net Profit to Shs5.6billion and 18 per cent rise in Gross Written Premiums and Deposit Administration Contributions to Shs62.4billion, reflecting sustained growth across its businesses and reinforcing its position as one of East Africa’s leading financial services groups. JHL also emerged as the most profitable insurance company after tax in the region, reinforcing its leadership position in the market.

Jubilee is positioning itself for its next phase of growth by expanding access to protection, health, savings and investment solutions across East Africa. This next phase of growth will focus on reaching underserved and emerging customer segments, strengthening community and affinity partnerships, and delivering more accessible, lifestyle-aligned solutions across its markets.

Speaking during the AGM, Jubilee Holdings Chairman Zul Abdul said Jubilee’s next phase of growth will be anchored in expanding access, deepening relevance and building a broader financial wellness ecosystem across East Africa.

“Entering our 90th year is a significant milestone for Jubilee. It reflects the trust we have built over decades with our shareholders, customers, employees and partners across the region. Even as we reflect on that legacy, our focus is firmly on the future. Our priority is to grow beyond traditional insurance by building a broader financial wellness ecosystem that reaches more customers, more communities and more markets across East Africa. We are focused on creating solutions that are more accessible, more relevant and better aligned to the realities of how people live, work and plan for their future today,” said Mr Abdul.

Founded in 1937, Jubilee has grown from East Africa’s first incorporated insurance company into one of the region’s leading financial services groups, with operations in Kenya, Uganda, Tanzania, Burundi and Mauritius.

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As part of its regional retail expansion push, the Group will deepen its segmentation strategy to serve the distinct needs of women, diaspora communities, SMEs and gig economy workers, while also expanding community-based and affinity-led partnerships. This approach is intended to improve product relevance, broaden market reach and support greater financial inclusion across the region.

To support its growth agenda, Jubilee is deepening the use of Al and digital integration across the business. to improve efficiency, strengthen risk management and deliver seamless customer experience. The Group’s transformation has already helped prevent more than Shs750million in fraudulent claims through advanced analytics and Al-driven fraud detection and Over 90 per cent of new retail policies are now issued digitally through the J-Force App, demonstrating how digitisation is strengthening both customer access and operating efficiency across the business.

These investments form part of Jubilee’s broader Changamk@ transformation agenda, which is aimed at building a more connected, insight-driven and customer-led business positioned for long-term growth across East Africa.

Classified as Confidential Business Partners.

Beyond its commercial priorities, Jubilee continues to advance its ESG and social impact agenda across the region. Through the Jubilee Children’s Fund, the Group supported access to healthcare and education for 857 children during the year, while its partnership with the Aga Khan Foundation enabled the establishment of six micro forests, reflecting Jubilee’s continued commitment to community impact and environmental sustainability.

The Group remains focused on expanding access to financial wellness solutions, growing its retail footprint and deepening its regional impact across East Africa. Through sharper customer segmentation, stronger ecosystem partnerships and continued investment in customer experience, Jubilee is positioning itself for sustained growth in the year ahead.

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EU and Equity Group Foundation partner to send 100 Kenyan scholars annually to European Universities

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EU and Equity Group Foundation partner to send 100 Kenyan scholars annually to European Universities

The European Union Delegation to Kenya and the Equity Group Foundation have entered a partnership aimed at expanding access to quality education, strengthening human capital development, and widening global learning opportunities for high-achieving students in Kenya and across the region.

The agreement was signed by the European Union Ambassador to Kenya, H.E. Henriette Geiger, and Dr. James Mwangi, Executive Chairman of Equity Group Foundation and Group Managing Director and CEO of Equity Group, in the presence of Principal Secretary for the State Department for Higher Education and Research, Dr. Beatrice Inyangala and Principal Secretary State Department of Science, Research and Innovation Prof. Shaukat Abdulrazak.

The cooperation agreement formalizes a shared commitment to expanding access to quality education, nurturing talent, and connecting young Kenyans to transformative learning pathways both within Kenya and across Europe. Through this agreement, the partners will collaborate to promote awareness of the EU’s education opportunities among Equity Leaders Program scholars and increase access to European academic opportunities.

The programme targets sending 100 Equity scholars annually to European universities for master’s degree programmes, creating a structured pathway for talented young Africans to access world-class education, research opportunities and international exposure.

Speaking during the signing, the European Union Ambassador to Kenya, H.E. Henriette Geiger, said:

“The Equity Group Foundation, through its Wings to Fly and Equity Leaders Program is an ideal partner for us, with our shared objectives of promoting access to quality education, holistic development and intercultural exchanges as a key driver of growth and human capital development.”

Dr. Mwangi noted that the partnership underscores a strategic focus on developing globally competitive human capital through education-driven transformation.

“While our initial model focused on supporting students through public universities and structured internships, we are now deliberately diversifying global pathways for our scholars. This partnership builds on that journey. It is inspired by the need to broaden access beyond traditional destinations and create truly global opportunities,” he said.

“We view education not only as academic advancement but as a bridge to global networks, ideas, and leadership. These connections, across continents, institutions, and people, are what produce globally competitive leaders capable of transforming societies. In a world that is resetting and seeking new leadership, this partnership represents a bold step toward building human connections that unite Africa and Europe through shared knowledge, opportunity, and purpose.”

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Erasmus+ is an EU flagship programme that supports education, training, youth and sport in Europe. Kenya is one of Europe’s strongest Erasmus+ partners in Africa. Every year, around 600 Kenyan students and academics travel to more than 30 European countries, while approximately 300 Europeans, mainly academic staff, come to Kenyan universities. These exchanges enrich individuals, strengthen institutions, and build lasting partnerships between Kenyan and European universities.

Dr. Inyangala welcomed the partnership, noting that collaborations between Kenyan institutions and global education partners have expanded opportunities for students and academics while advancing knowledge exchange and innovation.

“Partnerships such as this create invaluable opportunities for our students, researchers and academics to access world-class education, advanced research, and international exposure. They also facilitate the exchange of knowledge and emerging technologies, enabling us to continuously strengthen our institutions and enrich our curricula to meet the demands of a rapidly evolving global economy. As the State Department for Higher Education, we are fully committed to creating an enabling environment that will accelerate the realization of the objectives outlined in this MoU and ensure that more Kenyan scholars benefit from global learning opportunities,” said PS Inyangala.

The Equity Leaders Program (ELP), established in 1998, provides a structured pipeline for high-achieving students by supporting their transition from secondary education to global learning and leadership pathways. To date, more than 1,206 scholars from Kenya, Uganda, Rwanda, and the Democratic Republic of the Congo have secured fully funded admission to leading global universities. ELP builds on the pathways created by Wings to Fly and Elimu Scholarships, ensuring that academically gifted students receive mentorship, training, and exposure to become transformative leaders. In addition, the program has facilitated 10,505 paid internship opportunities, equipping scholars with practical work experience and enhancing their career readiness.

The partnership enhances Kenya’s strong participation in Erasmus+ (https://erasmus-plus.ec.europa.eu/opportunities ), where the country has emerged as one of the most active partners in Sub-Saharan Africa. Since 2017, Kenyan organizations have participated in 38 Capacity Building projects, reflecting the country’s growing role in global higher education collaboration.

Nearly half of the €580 million allocated to Sub-Saharan Africa under Erasmus+ supports mobility between African and European higher education institutions. The collaboration is expected to further deepen institutional partnerships, expand scholarship opportunities, and strengthen long-term pathways for skills development and innovation-driven growth across the region.

Harambee SACCO Chair, Macloud Malonza elected to lead Africa’s Co-operative Movement

Bizna Team
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Harambee SACCO Chair, Macloud Malonza elected to lead Africa’s Co-operative Movement

Kenya has solidified its position in Africa’s cooperative movement after Macloud Malonza was elected Chairperson of the International Co-operative Alliance – Africa (ICA-Africa) in a decisive victory.

ICA-Africa is a regional arm of the International Cooperative Alliance, founded in 1968, bringing together more than 50 cooperative organizations across 21 African countries.

Unanimous Election Reflects Strong Confidence

Malonza secured all 65 votes cast, defeating two contenders from Nigeria, Lawrence Bale and Ojo Oladayo Aindehinde, both representing the Cooperative Federation of Nigeria.

The unanimous outcome reflected strong confidence from delegates in his leadership and vision for the continent’s cooperative sector.

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He takes office at a time when cooperatives are increasingly being recognized as key drivers of economic empowerment, financial inclusion, and social transformation across Africa.

Cooperative enterprises continue to play a major role in providing financial services, supporting farmers, creating employment, and expanding market access, particularly in underserved communities.

Malonza Outlines Vision for Africa’s Cooperatives

In his acceptance speech in Maputo, Mozambique, Malonza pledged to champion unity, inclusive leadership, and transformation of the cooperative movement across Africa, noting that his mandate reflected the confidence of member organizations.

“Cooperatives remain central to addressing pressing challenges, including youth unemployment, food insecurity, climate change, financial exclusion, and inequality. Today is not about one individual, one country, or one region. It is about the future of cooperatives in Africa,” he said.

He outlined priorities, including strengthening cooperative governance, enhancing member engagement, promoting youth and women’s leadership, supporting cooperative entrepreneurship, expanding regional trade, and positioning cooperatives as drivers of Africa’s economic transformation.

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Focus on Regional Integration and AfCFTA Opportunities

Malonza also emphasized the need for stronger collaboration with the African Union, regional economic communities, and global partners, noting that unity would be key in leveraging opportunities under the African Continental Free Trade Area (AfCFTA).

“Together we can create a stronger cooperative voice in global policy discussions and ensure that cooperatives become key drivers of inclusive growth, social justice, and sustainable development across Africa,” he added.

He paid tribute to outgoing ICA-Africa leadership, crediting them with laying a strong foundation for the growth of the cooperative movement on the continent.

Kenya’s Cooperative Model Gains Continental Recognition

With decades of experience in the sector, Malonza also chairs Co-operative Bank Holdings and has previously held leadership roles in major Kenyan cooperative institutions, including Harambee Sacco and Co-op Holdings Cooperative Society.

His election is being viewed as a strong endorsement of Kenya’s cooperative model, with more than 15 million Kenyans linked to cooperatives and Saccos mobilizing billions in savings and investments.

The appointment is expected to strengthen Kenya’s influence in shaping policies on financial inclusion, agricultural transformation, trade, and sustainable development across Africa.

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About McLoud Malonza, MBS, HSC

Joined the Board of Directors in 2005 and became the Bank Vice Chairman on 1 October 2017. He is notably the Chairman of Co-op Holdings Co-operative Society Ltd, the 65% strategic investor in the Bank.

He holds a Bachelor of Arts degree, a Master’s in Organizational Change and Development, a Master of Business Administration, a Postgraduate Diploma in Management and Information Systems, a Certificate in Strategic Planning and Management, and a CPS I qualification. He has also attended Senior Management and Strategic Leadership Development courses.

Extensive Leadership Experience in the Cooperative Sector

He has served in various positions in the Civil Service and is the Chairman of Harambee Co-operative Society Limited, which serves employees of various Government departments under the Office of the President.

He is the Chairman of Co-optrust Investment Services Ltd, Chairman of Co-op Bancassurance Intermediary Limited, and Vice Chair of Co-op Foundation Trustees.

What is Protocol-Owned Liquidity (POL)? Why It Matters in Cryptocurrency and DeFi

Bizna Team
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What is Protocol-Owned Liquidity (POL)? Why It Matters in Cryptocurrency and DeFi

Introduction

Liquidity is the lifeblood of any financial market, including the rapidly growing world of cryptocurrency and decentralized finance (DeFi). Without sufficient liquidity, traders face higher costs, greater price volatility, and difficulty buying or selling assets efficiently.

Traditionally, DeFi projects have relied on external liquidity providers who deposit assets into liquidity pools in exchange for rewards. While this model has fueled the growth of decentralized exchanges and lending platforms, it comes with a major challenge: liquidity providers can withdraw their funds at any time, creating instability for protocols and users.

To solve this problem, many blockchain projects are adopting Protocol-Owned Liquidity (POL), a model that enables protocols to own and manage their own liquidity reserves. POL is increasingly being viewed as one of the most important innovations in decentralized finance because it promotes long-term sustainability, improves market stability, and reduces dependence on external incentives.

What is Protocol-Owned Liquidity (POL)?

Protocol-Owned Liquidity (POL) is a DeFi model in which a blockchain protocol owns and controls its liquidity rather than relying solely on third-party liquidity providers.

Under the traditional DeFi model, users provide liquidity to pools and earn rewards such as transaction fees and token incentives. However, these users can remove their liquidity whenever they choose, exposing the protocol to liquidity shortages and market instability.

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With POL, the protocol itself acquires and maintains liquidity assets within its treasury. This gives the project direct control over its liquidity reserves and helps ensure long-term market stability.

Why Protocol-Owned Liquidity Matters

1. Improves Token Price Stability

Protocol-controlled liquidity helps reduce extreme price fluctuations by maintaining deeper and more consistent liquidity pools.

Stable token prices increase investor confidence and create healthier market conditions for long-term growth.

2. Reduces Dependence on External Liquidity Providers

Most DeFi projects spend significant resources incentivizing users to provide liquidity. These incentives can become expensive and unsustainable.

POL allows protocols to maintain liquidity without constantly offering large rewards, creating a more sustainable financial model.

3. Minimizes Liquidity Risks

Traditional liquidity mining programs often attract short-term participants seeking rewards rather than long-term ecosystem growth.

By owning liquidity directly, protocols reduce the risk of sudden liquidity withdrawals that can disrupt trading activity.

4. Supports Long-Term Sustainability

Liquidity assets owned by the protocol remain within the ecosystem, enabling continuous growth and development.

Trading fees and revenues generated from liquidity pools can be reinvested into the project, strengthening its financial position.

5. Encourages Ecosystem Growth

Reliable liquidity attracts traders, developers, investors, and decentralized applications.

A healthy liquidity environment creates favorable conditions for innovation and ecosystem expansion.

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6. Strengthens Treasury Management

Liquidity positions become productive treasury assets capable of generating revenue through trading fees and other mechanisms.

This enhances a protocol’s financial resilience and operational flexibility.

7. Reduces Reliance on Market Conditions

Protocols that own liquidity are less vulnerable to changing market incentives and liquidity provider behavior.

This gives projects greater control over their growth strategy and long-term development.

8. Supports Decentralized Governance

Revenue generated from protocol-owned liquidity can be used to fund governance initiatives, community incentives, and ecosystem development programs.

This strengthens community participation and decentralized decision-making.

9. Ensures Continuous Liquidity Availability

Because the protocol controls the liquidity reserves, users are less likely to experience disruptions caused by sudden withdrawals.

Consistent liquidity improves both user confidence and trading efficiency.

10. Enhances Market Efficiency

Deep liquidity pools reduce slippage and improve trading experiences.

This leads to more efficient markets, lower trading costs, and greater overall adoption.

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How Protocol-Owned Liquidity Works

POL functions by allowing protocols to acquire, deploy, and manage liquidity directly.

Step 1: Acquiring Assets

Protocols acquire assets through various methods, including:

  • Treasury purchases
  • Bond sales
  • Token offerings
  • Protocol revenues

These assets may include cryptocurrencies, stablecoins, or liquidity pool tokens.

Step 2: Providing Liquidity

The protocol deposits assets into liquidity pools on decentralized exchanges (DEXs).

This enables users to trade efficiently while ensuring sufficient market liquidity.

Step 3: Owning LP Tokens

When liquidity is added to a pool, liquidity provider (LP) tokens are issued.

Unlike traditional liquidity providers who own these LP tokens, the protocol retains ownership, effectively controlling the liquidity position.

Step 4: Earning Trading Fees

As users trade through the liquidity pool, transaction fees are generated.

These fees are collected by the protocol and become a source of recurring revenue.

Step 5: Growing Treasury Reserves

Trading revenues flow into the protocol treasury and can be used for:

  • Product development
  • Governance initiatives
  • Community incentives
  • Ecosystem expansion

Step 6: Maintaining Long-Term Liquidity

Unlike rented liquidity that can disappear when incentives end, protocol-owned liquidity remains permanently within the ecosystem, ensuring long-term stability.

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Real-World Example of Protocol-Owned Liquidity

Imagine a blockchain project launching a new token and stablecoin liquidity pool.

The protocol:

  1. Acquires stablecoins through a bonding mechanism.
  2. Pairs the stablecoins with its native token.
  3. Deposits both assets into a liquidity pool.
  4. Retains ownership of the LP tokens.
  5. Earns fees whenever users trade through the pool.
  6. Maintains liquidity regardless of market fluctuations.

This creates a sustainable liquidity model that benefits both the protocol and its users.

Key Benefits of Protocol-Owned Liquidity

Permanent Liquidity

The protocol owns liquidity instead of renting it, ensuring uninterrupted market operations.

Revenue Generation

Trading fees create a recurring source of income that can support future development and expansion.

Stronger Treasury Reserves

Liquidity positions become valuable treasury assets that improve financial stability.

Greater Financial Independence

Protocols are less reliant on external liquidity providers and incentive programs.

Better Governance Opportunities

Treasury revenues can fund community initiatives and decentralized governance activities.

Improved Investor Confidence

Projects with strong liquidity reserves are often perceived as more stable and trustworthy.

Reduced Operating Costs

Protocols can reduce spending on liquidity mining rewards and incentive programs.

Enhanced Market Efficiency

Deeper liquidity pools result in lower slippage and smoother trading experiences.

Sustainable Ecosystem Development

Revenue generated through POL can be reinvested into innovation, infrastructure, and community growth.

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Examples of Protocols Using POL

Several prominent DeFi projects have adopted protocol-owned liquidity strategies, including:

  •  Orizon
  • Nova Bank
  • Origin (LGNS)
  • Olympus DAO
  • Alchemix
  • Tokemak
  • Frax Finance

These projects pioneered liquidity ownership models designed to reduce reliance on external liquidity incentives.

Challenges of Protocol-Owned Liquidity

Despite its benefits, POL also comes with challenges.

Capital Requirements

Building significant liquidity reserves requires substantial funding and treasury resources.

Treasury Management Complexity

Protocols must effectively manage treasury assets and liquidity positions to minimize risk.

Market Risk

During market downturns, treasury assets can decline in value, impacting protocol finances.

Governance Risks

Poor governance decisions may negatively affect liquidity management strategies and overall protocol performance.

Conclusion

Protocol-Owned Liquidity (POL) represents a major evolution in decentralized finance. By enabling blockchain protocols to own and manage their liquidity reserves, POL reduces dependence on external liquidity providers while improving market stability, treasury strength, and long-term sustainability.

As the DeFi ecosystem continues to mature, protocol-owned liquidity is increasingly becoming a foundational strategy for building resilient, self-sustaining blockchain projects. While challenges remain, the benefits of stable liquidity, stronger financial resources, and enhanced ecosystem growth position POL as a critical innovation in the future of decentralized finance.

Details of new TSC promotion reforms for all teachers in Kenya

Maina Andrew
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Details of new TSC promotion reforms for all teachers in Kenya

Details of the new TSC promotion reforms for teachers in Kenya can now be revealed. According to the promotion reforms, Kenyan teachers will no longer have to wait for decades in order to achieve the highest ranked promotion level.

At the same time, Kenyan teachers will be able to achieve these credentials and the accompanying pay raise without leaving the classroom. These TSC promotion reforms are contained in the 2026 Career Progression Guidelines (CPG) document.

In this document, the Teachers Service Commission has slashed the amount of time that is required for teachers to reach the highest grade from 30 to 18 years.

The reforms indicate that the teachers commission shall introduce separate career tracks to cater for classroom teachers and teachers who hold leadership and administrative roles. Under these tracks, teachers will move up within a unified grading structure that shall range from Teacher 9 to Teacher 1. Teacher 9 represents the entry-level grade while Teacher 1 represents the highest-level grade.

Teachers in primary school level will start their progression from Teacher 9 while those in secondary schools who hold diploma qualifications will start off at Teacher 8. According to the TSC, this shall mean that a diploma qualification will attract the same entry grade regardless of whether the teacher practices at primary school or secondary school.

For the second track catering for secondary school teachers, the majority will start off at Teacher 7. This group will mainly be made up of teachers who hold university degrees.

The proposed reforms show that this category of teachers will benefit from the first common cadre promotion of Teacher 6. After Teacher 6, subsequent promotion will primarily be based on the teacher’s demonstrated competency and performance instead of the current mode of automatic advancement.

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The majority of teachers based at Teacher Training Colleges (TTCs) will start at Teacher 5 and move up through the full career structure up to the top level of Teacher 1.

After the release of the proposals, the Kenya National Teachers Union (KNUT) came out to raise the red flag on how youthful teachers with higher academic qualifications will be moved up.

“How will the framework accommodate such teachers so that they are not demoralized or disadvantaged by differences in the timing of qualification attainment?” KNUT Deputy Secretary General Hesbon Otieno asked.

Isuzu East Africa hosts 2026 IEA-1 grand prix skills competition, Elevating automotive excellence

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Isuzu East Africa hosts 2026 IEA-1 grand prix skills competition, Elevating automotive excellence
In a powerful demonstration of technical mastery and service excellence, Isuzu East Africa hosted its flagship 2026 IEA-1 Grand Prix Skills Competition on June 10, 2026. The annual event serves as the company’s premier internal platform, designed to test, refine, and reward the brightest talents across its expansive dealer network. By bringing together the region’s top automotive professionals, the competition underscores a vital industry truth: in the modern automotive landscape, continuous training is just as important as the engineering under the hood.
The IEA-1 Grand Prix is far more than a routine evaluation. It is an intense, multi-disciplinary arena that gathers top-performing dealership personnel across four core pillars of operational success. Automotive technicians are tested on complex mechanical diagnostics, electrical troubleshooting, and precision repair under tight time constraints, while service advisors are evaluated on customer handling, accurate symptom diagnosis, and clear communication under pressure.
Concurrently, spare parts specialists were challenged on logistical efficiency and inventory accuracy, while sales representatives were assessed on product knowledge and consultative relationship-building. Participants faced a rigorous mix of theoretical, knowledge-based exams and hands-on, practical simulations modeled closely after real-world dealership challenges.

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For Isuzu East Africa, investing in this competitive showcased directly influences the end-user experience. The precision, speed, and problem-solving skills honed during the Grand Prix translate directly to reduced vehicle downtime and higher first-time-fix rates for everyday truck and commercial vehicle owners.
Beyond individual accolades, the event was a knowledge-sharing hub where dealership teams from diverse regions collaborated, swap best practices, and collectively elevated their alignment with rigorous international automotive standards. The initiative reflects a long-term strategy to cultivate a high-performance workforce, ensuring vehicle safety, reliability, and superior after-sales support across the board by pushing teams to benchmark against global standards.
The stakes at the IEA-1 Grand Prix extend far beyond regional bragging rights. Outstanding performers from the June 10 competition earn elite recognition within the company and put themselves in the running for a massive career milestone: the opportunity to represent East Africa at global Isuzu technical competitions in Japan. As the 2026 edition concludes, Isuzu East Africa firmly cements its position not just as a leading vehicle manufacturer, but as a primary driver of industrial workforce development and customer service innovation in the region.

Yamal award shifts betting focus

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Yamal award shifts betting focus

Lamine Yamal has been named LaLiga Player of the Season for 2025/26 after a campaign that made him one of Barcelona’s main attacking references. The award follows a title-winning season for the club, with Yamal finishing the league campaign on 16 goals and 11 assists. In betting media, partner content linked to the afropari affiliate program may sit near award stories and season forecasts, but the real sporting angle is clear: Yamal’s influence changes how Barcelona are priced before the next campaign. His numbers now matter for title markets, player props and big-match previews.

Why the award matters

Individual awards do not win matches by themselves, but they do shape expectations. Yamal was not rewarded for one highlight or one strong month. His season combined end product, creativity, one-on-one threat and consistency across Barcelona’s title run.

That is important for betting analysis because markets react to repeatable impact. A player who creates chances, scores, assists and draws defensive attention can influence several types of prices. Barcelona’s match-winner odds, team goals, player assist markets and futures lines can all move when one attacker becomes this central to the team’s output.

The key is balance. The award raises confidence in Yamal’s level, but it also raises market attention. A popular player can become overpriced if public money follows the name more than the actual matchup.

Betting angle Why Yamal matters
Barcelona outright markets His form supports title confidence
Match winner odds He increases attacking trust
Player goal markets His finishing output is now proven
Assist markets His creative volume adds value
Team total goals Barcelona looks stronger with him active
Big-game previews Opponents must adjust defensive plans

Barcelona gets more than numbers

Yamal’s 16 goals and 11 assists are strong enough on their own, but his wider value comes from how he changes Barcelona’s attack. He stretches defenses, opens space for teammates and forces opponents to shift cover toward his side.

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That creates betting relevance beyond player props. If a rival doubles him, Barcelona may find space elsewhere. If the opponent leaves him isolated against one defender, the match can tilt quickly. This is why tactical context matters more than award status alone.

For pre-match betting, the better questions are simple:

  • Is Yamal starting and expected to play full minutes?
  • Does the opponent defend wide areas well?
  • Are Barcelona likely to control possession?
  • Does the match suit goals, assists or team totals?
  • Has the market already shortened too much?

These checks help avoid betting only on hype.

Betting markets will watch his next step

Yamal’s award also affects long-term expectations. Barcelona will enter the next season with a proven match-winner in attack, but that brings extra pressure. Teams will prepare more specific plans against him. Referees, tactical fouls, rotation and fixture congestion can all influence his week-to-week output.

For bettors, this makes selective markets more useful than automatic backing. In some matches, Yamal to score may look attractive. In others, assist markets, Barcelona over goals or team win plus goals may fit better. The choice should depend on opponent’s style and starting lineup, not only on the award.

Affiliate and media operators covering LaLiga may also use season awards to frame betting content. A phrase such as revshare gambling affiliate program can appear in business discussions around traffic and player acquisition, but editorial betting analysis still needs sporting evidence. Yamal’s award is a strong signal, not a shortcut.

The risk of overreaction

The biggest betting mistake after an award is assuming the same output will appear every week. LaLiga is not static. Rivals adapt. Coaches adjust. Barcelona may rotate. A player can perform well and still fail to score or assist in a single match.

That is why responsible staking matters. Player markets can feel exciting, but they should stay inside a fixed budget. No award should push larger stakes, recovery bets or careless accumulators.

The smarter approach is to treat Yamal as a major factor in Barcelona analysis, then test each market separately. If the price is fair and the matchup supports it, he belongs in the betting conversation. If the odds are too short, the better bet may be elsewhere.

What the award says now

Yamal’s LaLiga Player of the Season award confirms his place at the centre of Barcelona’s current project. It also gives bettors a clearer reference point for future forecasts: he is not only a talent with promise, but a player whose production already changed a title race.

The most realistic betting read is measured confidence. Barcelona should remain strong in outright and match markets if Yamal keeps this level. His player props will attract attention, but value will depend on price, role and matchup.

The award is deserved. The betting lesson is colder: great players matter, but the right market matters more.

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