Finance tools and advisory for your business when you need |
We help you connect your numbers, banking products, digital visibility, and growth strategy into one practical decision desk.
Adding Meaning To Life
Bengula Inc
Pairing data, digital visibility, credit appraisal, and banking advisory to grow your business.
Bengula Inc at a Glance
Key Market Rates
| Rate | Current | As of |
|---|---|---|
| Central Bank Rate | 8.75% | 10/02/2026 |
| KESONIA | 8.7470% | 19/06/2026 |
| CBK Discount Window | 9.25% | 11/02/2026 |
| 91-Day T-Bill | 8.821% | 22/06/2026 |
| REPO | 9.25% | 15/10/2025 |
| Inflation Rate | 6.68% | May 2026 |
| Lending Rate | 14.69% | April 2026 |
| Savings Rate | 3.31% | April 2026 |
| Deposit Rate | 6.88% | April 2026 |
| KBRR | 8.9% | 27/06/2026 |
How We Help Your Business
Finance & Banking Advisory
Match your business to the right bank products, accounts, lending, trade finance, treasury, and protection, with a banker structuring the deal.
Data & Digital Growth
Turn your data and online presence into customers with analytics, SEO, and digital systems built for your business.
Research Library
Read practical notes on money markets, debt instruments, business finance, and getting found online.
About Bengula Inc
Meet the firm behind "Adding meaning to life", the founder, the philosophy, and how the two pillars work together.
Right Banking, Properly Structured
Map your cash cycle and growth plan, then connect you to the accounts, lending, trade finance, and treasury tools that actually fit, and help you qualify for them.
Decisions Backed by Data
Collect the numbers that matter, turn them into clear insight, and put your services online so growth comes from evidence, not guesswork.
A Partner on Your Side
You get an advisor who speaks both finance and banking and sits on your side of the table, not a form to fill in alone.
A quick deck of money truths
Five practical takes on saving, borrowing, and sovereign debt in Kenya. Tap the top card to flip it, then tap again to shuffle to the next one.
Infrastructure Bonds Pay Tax-Free
Unlike most treasury bonds, CBK infrastructure bonds are exempt from the 10–15% withholding tax; so their coupon is effectively a higher real yield than the headline suggests.
APR Is Not the Interest Rate
The APR folds in negotiation fees, service charges, excise duty and credit-life insurance. Two loans at the same 13% rate can have very different true costs, always compare APR.
To calculate the simplified annual percentage rate (APR) including total finance fees, we use:
where is the number of days in the loan term.
MMFs Compound the Boring Way
A Kenyan money-market fund yielding ~13% with daily compounding quietly outpaces most "high-return" schemes; because consistency, not excitement, is what builds the balance.
You Can Open a CDS Online
DhowCSD lets you open a Central Bank CDS account and bid for T-bills and bonds straight from your phone; no broker, minimum bids from KSh 50,000.
Ladder Your Tenors
Splitting capital across 91-day, 1-year and longer instruments keeps cash maturing regularly while still capturing the higher yields further out the curve.
You Can't Save Your Way Out of Poverty
Saving protects what you already earn; it rarely multiplies it. Lasting wealth comes from growing your income and putting capital to work; a business, investments, yield-bearing assets; not from cutting expenses alone.
Loan Appraisal Calculator
Estimate qualification, repayment factors, APR, and amortization before starting a formal loan discussion.
Banking Decision Tool
Loan Appraisal Calculator
Unsecured loans, creditworthiness & APR.
Customer Income
Loan Parameters
Maximum loan amount
KSh 13,945.86
Net disbursement after buyoff: KSh 13,945.86
KSh 13,414.00 − KSh 12,966.67 − KSh 116.00 − KSh 0.00 = KSh 331.33
This calculator is educational and approximates internal loan appraisal logic. Formal eligibility, pricing, fees, insurance, and disbursement are confirmed only by the licensed lender handling the application.
Bond Yield & Wealth Calculator
Compare your borrowing decisions with investment outcomes across treasury bonds, infrastructure bonds, and compound savings.
Investment Parameters
Simulate how high-yielding setups like local Money Market Funds and laddered debt expand over time.
Excellent for Money Market Funds (compounded daily, paid out monthly).
Ksh 3,023,221
Ksh 1,300,000
Ksh 1,723,221
Principal: Ksh 220,000
Interest: +Ksh 23,804
Total: Ksh 243,804
Principal: Ksh 700,000
Interest: +Ksh 370,047
Total: Ksh 1,070,047
Principal: Ksh 1,300,000
Interest: +Ksh 1,723,221
Total: Ksh 3,023,221
Credit Card Interest-Free Period Calculator
Work out how many of the advertised "up to 50 days" interest-free your next card purchase actually earns.
Card Cost Tool
Interest-Free Period Calculator
See how many interest-free days a purchase actually earns on a card that advertises "up to 50 days".
Markets, Desks, and Reference Institutions
Download Research & Frameworks
Complimentary dossiers prepared by Jacob's desk: no signup required.
East Africa Fiscal & Macro-Trends Analysis (2026)
Annual dossier on regional fiscal direction, CBK rate movements, and the macro backdrop for treasury and equity positioning.
Due Diligence Framework for Alternative Placements
The checklist Bengula Inc uses to vet syndicates and private placements: titles, sponsor track record, exit terms, and risk flags.
Agri-Horticulture Cold-Chain Logistics Report
Deep-dive into capital bottlenecks and opportunities across Kenya's horticulture export and cold-chain supply lines.
ABSA Scheme Loan Repayment Schedule
Indicative monthly repayments at 14.5% reducing balance for unsecured scheme loans up to KES 6M, terms from 12 to 132 months.
Frequently Asked Questions
Quick answers on consultations, compliance, and how the desk works.
No. Everything on this site, the calculators, articles, and the Wealth Coach, is for financial education and general literacy. It is not formal, binding, or licensed investment advice. Any regulated banking product is opened and finalised directly with the licensed bank that provides it.