Arnold Ochieng
Senior Writer — Banking, SACCOs & Lending
Arnold Ochieng is paybillke's senior writer covering all things Kenyan banking, SACCOs, microfinance, and lending. He spent eight years in financial analysis with a Kenyan tier-2 bank before turning to financial journalism, and brings a practical, math-grounded perspective to subjects like asset finance economics, SACCO dividend dynamics, and the real cost of digital loans. He holds an MBA in Finance and is a CFA Level II candidate. He is paybillke's lead voice for the bank-to-M-PESA series, the SACCO directory, and the digital-lending guides.
Areas of expertise
- Kenyan banks and bank-to-M-PESA flows
- SACCOs (Deposit-Taking and Non-DT)
- Microfinance banks and group lending
- Asset finance (boda boda, motor, equipment)
- Digital lenders and CRB dynamics
Articles by Arnold (14)
KCB M-PESA loan when CRB-listed: can you still borrow?
How KCB M-PESA, M-Shwari, Fuliza, and digital lenders treat CRB-listed users. Legitimate paths to clearing your status, plus what to do meanwhile.
11 min read
Send money from M-PESA to any Kenyan bank: complete paybill directory
28 verified bank paybills, universal step-by-step flow, fees, and when to use paybill vs app pull vs SWIFT wire.
11 min read
How to send money from M-PESA to Co-op Bank
Co-op paybill 400200, MCo-opCash app, and USSD *667# — fees, timing, and the gotchas.
9 min read
How to send money from M-PESA to Equity Bank
Equity paybill 247247, Equity Mobile pull, and Equitel — step-by-step, fees, and which method to choose.
9 min read
How to send money from M-PESA to KCB Bank (3 methods)
KCB paybill 522522, KCB M-PESA, and KCB app — fees, timing, common mistakes, and how to fix a stuck deposit.
9 min read
Group lending in Kenya 2026: Vision Fund, BIMAS, ECLOF, KWFT compared
How joint-liability microcredit works in Kenya — the major lenders, joint liability rules, and how to choose a group to join.
11 min read
Microfinance banks in Kenya 2026: KWFT, SMEP, Caritas, Faulu paybills
CBK-licensed microfinance banks — what each is good for, paybill numbers, and how they actually compare to commercial banks and digital lenders.
11 min read
Boda boda financing in Kenya 2026: Watu, Mogo, OnFon compared
Real numbers on boda boda asset finance — down payments, weekly costs, total interest, and the financing traps to avoid.
11 min read
Top SACCOs in Kenya 2026: paybills, dividends, and how to join
The largest SACCOs in Kenya — Mwalimu National, Stima, Kenya Police, Harambee, Kenya Bankers, and more. Paybills, dividend rates, and how to join.
13 min read
How to pay KMTC fees via M-PESA paybill 222222
KMTC fee structure, the government services paybill 222222, campus differences, HELB funding, and common payment mistakes.
9 min read
Kenya School of Law fees 2026: payment guide via paybill 400222
ATP and pupillage fee structure, M-PESA payment via paybill 400222, payment plans, HELB, and what to do if you miss a deadline.
9 min read
Solar financing in Kenya: M-KOPA, Sun King, d.light
Pay-As-You-Go solar in Kenya — how it works, the major providers, total cost, and which fits your household.
10 min read
Asset finance in Kenya: Watu, Mogo, OnFon, M-KOPA
How motorbike, phone, and asset finance works — major lenders compared, M-Pesa repayment, and the cost traps.
11 min read
Fuliza explained: how it actually works in 2026
How the M-Pesa overdraft works, what it costs, and when it makes sense vs when it traps you.
8 min read
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