#Financial Management consultant services Kenya

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Understanding PGD cost in kenya

Preimplantation Genetic Diagnosis (PGD) has emerged as a transformative technology for couples and individuals in Kenya facing genetic challenges or hereditary conditions. By allowing for genetic screening of embryos before implantation, PGD offers a way to ensure healthy pregnancies and reduce the risk of genetic disorders. However, the cost of PGD in Kenya is a significant factor for many considering this option. This article delves into what PGD is, why it’s valuable, and the various factors that influence PGD cost in Kenya.

What is PGD?

Preimplantation Genetic Diagnosis (PGD) is a process used in conjunction with In Vitro Fertilization (IVF) to screen embryos for specific genetic disorders before implantation. PGD can detect conditions such as cystic fibrosis, sickle cell anemia, and muscular dystrophy, among others. The procedure is especially beneficial for individuals and couples with known hereditary conditions who want to avoid passing on these conditions to their offspring.

Importance of PGD in Kenya

With advances in fertility treatments in Kenya, PGD has become a crucial component for individuals and couples seeking assurance of healthy offspring. For those with a history of genetic disorders, PGD allows for proactive health measures in family planning, reducing the emotional and financial burdens of managing hereditary conditions. Additionally, PGD plays a role in improving the success rate of IVF by selecting embryos more likely to result in healthy pregnancies.

Factors Affecting PGD Cost in Kenya

The cost of PGD in Kenya varies widely based on several factors. Understanding these factors can help prospective parents better prepare financially for the procedure. Key factors influencing the cost include:

IVF Treatment Costs Since PGD is conducted alongside IVF, the combined costs of both procedures must be considered. IVF costs in Kenya range from KSh 300,000 to KSh 800,000 per cycle, depending on the clinic and the complexity of the case.

linic and Facility Charges Different fertility clinics in Kenya may offer varying prices for PGD based on their equipment, technology, and expertise. Established clinics with specialized genetic counseling and advanced technology may charge higher fees than newer or smaller facilities.

Genetic Testing Fees Genetic testing itself is a specialized process, often involving specific equipment, testing kits, and trained geneticists. The genetic analysis can add anywhere from KSh 150,000 to KSh 400,000 to the total cost, depending on the number of embryos tested and the complexity of the genetic screening.

Number of Embryos Tested PGD costs also vary based on the number of embryos that need to be screened. Testing more embryos generally increases costs, as each embryo requires separate analysis.

Additional Services and Consultations Additional genetic counseling, consultation fees, and follow-up tests can also add to the PGD cost. Many clinics offer comprehensive packages that include counseling and follow-up, which can offer value but may also increase the overall price.

Average PGD Cost in Kenya

The typical cost for a complete PGD cycle in Kenya, including IVF, ranges between KSh 500,000 and KSh 1,200,000. This cost may fluctuate based on individual needs, clinic choices, and any additional services required. However, as the technology becomes more widely available, prices may become more competitive and potentially more affordable for a broader population.

Is PGD Covered by Insurance in Kenya?

Unfortunately, most insurance plans in Kenya do not cover IVF and PGD, as they are considered elective procedures. As a result, individuals and couples often pay out of pocket. However, some insurers are beginning to offer partial coverage for certain fertility treatments, so it is worth checking with your provider to understand your options.

Finding Affordable PGD Options in Kenya

While PGD is a significant investment, some options can help manage the cost. Consider the following:

Payment Plans: Some fertility clinics in Kenya offer payment plans, allowing patients to pay in installments rather than a lump sum.

Government Subsidies and Support: Although limited, there is a growing awareness around fertility support. Monitoring government policies and local health initiatives can reveal new financial support or grants.

Traveling Abroad: While PGD can be expensive locally, some Kenyans opt to travel to neighboring countries like South Africa, where costs may be lower.

Conclusion

PGD offers Kenyan couples and individuals a valuable solution for reducing the risk of genetic disorders and improving IVF outcomes. Although the cost may be high, understanding the factors affecting PGD cost can help prospective parents plan effectively. As technology advances and demand grows, the hope is that PGD will become more accessible, giving more Kenyan families the chance to make empowered choices about their reproductive health.

For those considering PGD, consulting with fertility experts in Kenya is essential to assess the best options and financial plans suited to their needs.

For more information, feel free to reach out:

Email: us-info@kenyasurrogacy.com

Contact: +254 100 241 479

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Best Surrogacy Centre in Kenya: Your Trusted Path to Parenthood

Choosing a surrogacy center is a significant decision, and in Kenya, the best surrogacy centers are dedicated to providing exceptional care, advanced facilities, and successful outcomes for intended parents. Kenya has become an increasingly popular destination for surrogacy due to its progressive approach, affordable costs, and professional medical services. Here’s a closer look at what makes Kenya’s top surrogacy centers the ideal choice for individuals and couples on their journey to parenthood.

Why Choose Surrogacy in Kenya?

Surrogacy in Kenya is appealing for several reasons. It’s a legally permissible option for intended parents, including international clients, making it a suitable alternative to countries with restrictive surrogacy laws. Kenya’s surrogacy centers are equipped with experienced professionals, including fertility specialists, counselors, and legal advisors, who support clients throughout the surrogacy process, from initial consultations to the successful delivery.

Moreover, Kenya offers cost-effective surrogacy options compared to other countries, helping intended parents manage their budgets without compromising on the quality of medical care. These centers prioritize transparent pricing and ensure no hidden costs, making the process easier to navigate.

Key Features of the Best Surrogacy Centers in Kenya

Experienced Professionals: Top surrogacy centers in Kenya are staffed by skilled fertility specialists, embryologists, and counselors who work together to ensure a smooth journey.

Comprehensive Support: From initial consultations and matching with surrogate mothers to prenatal care and delivery, each stage is carefully managed to provide a seamless experience for intended parents.

Legal Assistance: Kenya’s surrogacy centers provide essential legal guidance, helping parents understand the surrogacy laws and ensuring that all legal requirements are met.

Advanced Medical Facilities: Equipped with state-of-the-art technology, these centers deliver high success rates, ensuring safety and quality care for both the surrogate and intended parents.

Emotional and Psychological Support: Surrogacy can be an emotional journey, and the best centers offer psychological support to help parents and surrogates navigate their unique experiences.

The Surrogacy Process in Kenya

The surrogacy journey in Kenya begins with a thorough consultation with fertility experts who help intended parents understand the entire process, assess medical requirements, and establish a personalized plan. Once matched with a surrogate, intended parents will receive regular updates and support, including prenatal care and post-birth procedures.

Affordable and Transparent Costs

Compared to many other countries, surrogacy in Kenya is highly affordable, which makes it accessible to more families. The best centers are transparent about their pricing structures and offer tailored packages to meet diverse needs. This financial clarity allows parents to plan their journey with peace of mind.

Conclusion

The best surrogacy center in Kenya combines expertise, compassion, and top-tier facilities to make parenthood a reality for many families. With experienced professionals, transparent pricing, legal support, and comprehensive care, Kenya provides an ideal environment for intended parents embarking on the surrogacy journey.

Get More Info :- Select IVF

Gmail :-info@selectivf.com

Phone no :-8447592299

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Innovating Healthcare Delivery: Jayesh Saini’s Solutions for Expanding Access in Africa

Jayesh Saini

Access to quality healthcare in remote and underserved regions remains a significant challenge across Africa. Many communities are often isolated from essential medical services due to poor infrastructure, long distances to medical facilities, and limited healthcare resources. However, Jayesh Saini, a visionary healthcare leader, is changing this narrative. Through his innovative healthcare delivery solutions, Saini is ensuring that even the most marginalized communities in Africa can access the healthcare they need. This article explores his forward-thinking approaches to expanding healthcare access across the continent.

Addressing Healthcare Gaps in Remote Areas

Africa’s healthcare system faces unique challenges, particularly in rural and remote regions where access to hospitals and healthcare providers is limited. Jayesh Saini has recognized the critical need to bridge these gaps and has implemented innovative solutions to bring medical care closer to these underserved populations.

One of the central components of Saini’s strategy is the development of mobile clinics. These clinics, equipped with modern medical technologies and staffed with trained healthcare professionals, travel to remote areas, offering essential healthcare services to communities that would otherwise have to travel long distances to receive care. Mobile clinics provide general consultations, maternal care, vaccination programs, and chronic disease management, all while reducing the financial and physical burden on patients.

Expanding Access Through Telemedicine

Another innovative approach Jayesh Saini has introduced is the use of telemedicine to connect patients in remote areas with healthcare professionals in urban centers. Through telemedicine, patients can receive consultations, diagnoses, and treatment plans from specialists without the need for travel. This is particularly beneficial for communities in regions where specialized healthcare services are scarce or non-existent.

Telemedicine also helps alleviate the pressure on healthcare facilities in cities by reducing overcrowding, while simultaneously improving the overall quality of care for patients in remote regions. By leveraging digital healthcare technologies, Saini is not only expanding access to medical care but also improving the efficiency and effectiveness of healthcare delivery across Africa.

Innovative Healthcare Infrastructure

Building and expanding healthcare infrastructure in underserved regions is another priority for

Jayesh Saini. Under his leadership, LifeCare Hospitals has expanded its footprint across Kenya and other parts of Africa, with the aim of establishing healthcare facilities in areas that have traditionally been underserved.

Saini’s approach to healthcare infrastructure goes beyond just building hospitals; he focuses on creating comprehensive healthcare ecosystems that include clinics, pharmacies, and diagnostic centers. This multi-pronged approach ensures that patients have access to a wide range of services, from routine check-ups to more specialized care.

Moreover, Saini has ensured that the healthcare facilities are equipped with state-of-the-art technology, including AI-based diagnostic tools and electronic health records. These innovations streamline the patient experience, reduce waiting times, and enable healthcare professionals to make more informed treatment decisions.

Community-Centered Healthcare Solutions

Jayesh Saini’s leadership emphasizes community engagement and empowerment. He believes that healthcare should be inclusive, and his solutions are designed to empower local communities to take charge of their own health. Through community health education programs, Saini has helped raise awareness about preventive healthcare measures, the importance of vaccinations, and how to manage chronic diseases effectively.

By promoting preventive healthcare, Saini is reducing the incidence of illnesses that often overwhelm healthcare systems, particularly in rural areas. His emphasis on early detection and treatment ensures that patients receive care before their conditions worsen, reducing the long-term costs of healthcare for both patients and healthcare providers.

Building a Healthcare Workforce for the Future

Another critical element of Jayesh Saini’s strategy is the development of a sustainable healthcare workforce that can meet the demands of an expanding healthcare system. To address the shortage of healthcare professionals in remote areas, Saini has invested in training programs for healthcare workers. These programs focus on equipping local healthcare workers with the skills and knowledge they need to provide quality care to their communities.

By empowering local healthcare professionals, Saini is not only improving healthcare access but also creating job opportunities in underserved regions. His approach ensures that the benefits of healthcare expansion are felt both in terms of patient care and local economic development.

Affordable Healthcare for All

One of the key pillars of Jayesh Saini’s vision for healthcare in Africa is affordability. He believes that healthcare should not be a privilege reserved for the wealthy but a fundamental right accessible to all. To make healthcare services more affordable, Saini has implemented pricing models that cater to different socioeconomic groups, ensuring that even the most financially disadvantaged can access medical care.

In addition, LifeCare Hospitals offers subsidized medical services, free health camps, and mobile clinics that provide care to patients at little or no cost. By prioritizing affordability, Saini is removing one of the most significant barriers to healthcare access in Africa.

The Future of Healthcare in Africa

Looking ahead, Jayesh Saini is committed to continuing his mission to expand healthcare access across Africa. His long-term vision includes further investments in telemedicine, mobile clinics, and healthcare infrastructure. He also plans to expand the use of digital health technologies to ensure that patients in even the most remote areas can receive timely and accurate medical care.

Saini’s focus on innovation, community engagement, and affordability positions him as a transformative leader in Africa’s healthcare sector. His solutions are not just addressing current healthcare challenges but are also future-proofing Africa’s healthcare systems to meet the demands of a growing and evolving population.

Jayesh Saini’s innovative approaches to healthcare delivery are transforming the way medical care is provided in Africa’s remote and underserved regions. Through his leadership, Africa is seeing an expansion of healthcare services, improved access to medical professionals, and a commitment to affordable healthcare for all. By embracing technology and focusing on community-centered solutions, Saini is ensuring that healthcare in Africa is not just a service but a right available to every individual, regardless of their location or financial situation.

Read More

https://www.aninews.in/news/business/jayesh-saini-transforms-kenyas-pharma-industry-with-din las-pharma20240829161432/ https://wcrcint.com/leading-healthcare-frontiers-jayesh-umesh-sainis-impact-in-kenya/

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How Gichuri & Partners Became the Best Tax Consultants in Kenya

Introduction

Navigating the complex world of taxation can be daunting for individuals and businesses alike. The ever-evolving tax laws, compliance requirements, and regulations demand the expertise of professionals who understand the intricacies of tax planning and strategy. Gichuri & Partners has emerged as the go-to firm for tax consultancy in Kenya, providing customized tax solutions for businesses of all sizes and industries. Renowned for being the best tax consultants in Kenya, our firm is committed to helping clients maximize tax benefits, ensuring compliance, and avoiding costly penalties. With our expertise, businesses can focus on growth while we handle their tax affairs with precision and professionalism.

Understanding the Importance of Professional Tax Consultancy

Tax consultancy is more than just filing returns or calculating tax liabilities; it involves strategic planning, understanding tax-saving opportunities, and ensuring complete compliance with local and international tax laws. In Kenya, the tax landscape is particularly dynamic, with regular changes to policies and rates. This makes it crucial for businesses to engage experts who stay updated on legislative developments and can tailor their strategies accordingly.

At Gichuri & Partners, we take pride in being the best tax consultants in Kenya because of our deep understanding of the local tax environment and our ability to navigate complex tax matters. Our team is equipped with the knowledge and experience necessary to help businesses minimize risks, optimize tax benefits, and ensure that they remain compliant with all statutory requirements.

Why Choose Gichuri & Partners for Tax Consultancy?

Comprehensive Tax Solutions

As the best tax consultants in Kenya, Gichuri & Partners offers a comprehensive suite of tax services that cater to diverse client needs. Whether it’s income tax, corporate tax, VAT, or excise duty, we have the expertise to address all areas of taxation. We understand that each business is unique, which is why we customize our services to meet the specific needs of our clients.

Expertise Across Industries

Our firm boasts a team of seasoned professionals with extensive knowledge across various sectors, from manufacturing and retail to finance and hospitality. This enables us to provide industry-specific advice, ensuring that our clients benefit from tax strategies that are tailored to their business models.

Tax Planning and Advisory Services

At Gichuri & Partners, we don’t just focus on tax compliance; we also help businesses plan for the future. Our tax planning and advisory services ensure that clients make informed decisions that align with their long-term financial goals. We assess the tax implications of different strategies and provide recommendations that maximize savings while mitigating risks.

Proactive Compliance Management

One of the main reasons why businesses trust us as the best tax consultants in Kenya is our proactive approach to compliance. We stay ahead of tax deadlines, manage audits, and ensure that all filings are accurate and timely. This helps our clients avoid penalties and maintain good standing with tax authorities.

Tax Dispute Resolution

Dealing with tax disputes can be stressful and time-consuming. At Gichuri & Partners, we offer expert tax dispute resolution services, representing clients before tax authorities and negotiating settlements on their behalf. Our goal is to minimize disruptions to our clients’ businesses and resolve disputes as efficiently as possible.

How Gichuri & Partners Adds Value to Your Business

The role of a tax consultant is not just to manage tax filings but to create value for businesses by optimizing their tax positions. At Gichuri & Partners, we take a holistic approach to tax consultancy, focusing on enhancing the financial health of our clients. Here’s how we add value:

Maximizing Tax Deductions and Credits

We work closely with our clients to identify every possible tax deduction and credit that they are eligible for. By doing so, we reduce their overall tax liability and increase their savings, which can be reinvested into their businesses.

Tax Risk Management

Tax risks can have significant financial implications, from penalties to reputational damage. Our risk management strategies help businesses avoid these risks by ensuring that they comply with all tax laws while also taking advantage of legitimate tax-saving opportunities.

Global Tax Strategy

For businesses operating internationally, managing cross-border tax obligations can be complex. As the best tax consultants in Kenya, we provide global tax solutions that ensure compliance with international tax laws while minimizing the tax burden on our clients’ global operations.

The Gichuri & Partners Approach

At Gichuri & Partners, we believe in a client-centric approach to tax consultancy. Our process is designed to be collaborative, transparent, and efficient. Here’s what sets us apart from other tax firms:

Client-Centered Focus

We take the time to understand our clients' businesses, challenges, and goals. This allows us to provide personalized tax solutions that are aligned with their objectives. Whether you are a start-up, SME, or large corporation, we offer tailored advice that meets your specific needs.

Innovative Tax Solutions

As the best tax consultants in Kenya, we leverage technology and innovation to provide cutting-edge tax solutions. From automating tax processes to using data analytics for tax forecasting, our innovative approach ensures that our clients stay ahead in an ever-evolving tax environment.

Constant Communication

At Gichuri & Partners, we believe that communication is key to successful tax consultancy. We maintain regular contact with our clients, keeping them informed about changes in tax laws and how these changes impact their businesses. We are always available to answer questions and provide timely advice.

Staying Ahead in a Dynamic Tax Environment

Kenya’s tax landscape is constantly changing, with new regulations being introduced regularly. Staying ahead in this dynamic environment requires more than just expertise; it requires foresight and adaptability. Gichuri & Partners has earned its reputation as the best tax consultants in Kenya because we stay ahead of these changes, ensuring that our clients are always in compliance with the latest tax laws.

Our team is constantly monitoring developments in tax policy and legislation, enabling us to provide timely advice and adjust our clients’ tax strategies accordingly. By staying informed and agile, we help businesses avoid compliance issues and capitalize on new tax-saving opportunities as they arise.

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TERMS OF REFERENCE FOR INDIVIDUAL CONSULTANT TO FINALIZE SECOND KENYA DEVOLUTION SUPPORT PROGRAM (KDSP II) FINANCIAL MANAGEMENT MANUAL

STATE DEPARTMENT FOR DEVOLUTION TENDERS SEPTEMBER 2024  REQUEST FOR EXPRESSION OF INTEREST (CONSULTING SERVICES-INDIVIDUAL CONSULTANT SELECTION) Country : Kenya Name of Project : Second Kenya Devolution Support Program KDSP-II Credit No : IDA-7447-KE Project ID No : P180935 Assignment Title : Individual Consultant to Finalize Second Kenya Devolution Support Program (KDSP II) Financial Management…

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IVF Cost in Uganda: A Comprehensive Guide by Fertility Centre Kenya

In recent years, Uganda has become an emerging destination for individuals and couples seeking affordable and high-quality fertility treatments. One of the most sought-after procedures is In Vitro Fertilization (IVF), a treatment that offers hope to those struggling with infertility. At Fertility Centre Kenya, we understand that the cost of IVF is a significant consideration for many patients. In this article, we provide a detailed overview of IVF cost in Uganda, including the factors that influence pricing, what to expect during the process, and budgeting tips.

Understanding IVF Costs in Uganda

The cost of IVF in Uganda can vary widely depending on several factors, including the clinic you choose, the complexity of your case, and any additional treatments or tests that may be required. On average, the cost of a single IVF cycle in Uganda ranges from $4,000 to $7,000. This price typically includes initial consultations, ovarian stimulation, egg retrieval, fertilization, embryo transfer, and follow-up care.

Factors Affecting IVF Costs

Clinic Selection: The choice of clinic can significantly impact the cost of IVF. Some clinics offer packages that include multiple cycles, medications, and additional services, which can be more cost-effective in the long run.

Medication Costs: Medications used for ovarian stimulation are a crucial part of the IVF process. The cost of these medications can vary based on the dosage and the duration of the treatment.

Additional Procedures: Some patients may require additional procedures such as Intracytoplasmic Sperm Injection (ICSI), Preimplantation Genetic Diagnosis (PGD), or assisted hatching, which can add to the overall cost.

Age and Health of the Patient: The age and general health of the patient can influence the success rate of IVF and may necessitate additional treatments or cycles, thereby increasing costs.

Travel and Accommodation: For international patients or those traveling from other parts of Uganda, the cost of travel and accommodation must also be considered.

What to Expect During the IVF Process

The IVF process in Uganda is similar to that in other parts of the world, with the procedure typically divided into several stages:

Initial Consultation: During this stage, you will meet with a fertility specialist who will evaluate your medical history and perform preliminary tests to assess your fertility status.

Ovarian Stimulation: You will be prescribed medications to stimulate your ovaries to produce multiple eggs. This stage requires regular monitoring through blood tests and ultrasounds.

Egg Retrieval: Once the eggs are mature, they will be retrieved in a minor surgical procedure. The eggs are then fertilized with sperm in a laboratory.

Embryo Transfer: After fertilization, the embryos are cultured for a few days before being transferred to the uterus. This is followed by a waiting period to confirm pregnancy.

Follow-Up Care: After the embryo transfer, you will receive follow-up care to monitor your pregnancy and ensure the best possible outcome.

Budgeting for IVF in Uganda

When budgeting for IVF, it is essential to consider both the direct costs of the procedure and any additional expenses that may arise. Here are some tips to help you manage your IVF budget:

Research and Compare Clinics: Take the time to research various clinics in Uganda, comparing their success rates, services, and costs. Look for clinics that offer transparent pricing and package deals.

Consider Insurance: Check with your insurance provider to see if any fertility treatments are covered under your plan. Some insurance companies may offer partial coverage for IVF.

Plan for Multiple Cycles: While it is possible to achieve success in a single cycle, many patients require multiple cycles to conceive. Budget for at least two cycles to increase your chances of success.

Seek Financial Assistance: Some organizations and clinics offer financial assistance or payment plans for fertility treatments. Explore these options to ease the financial burden.

Conclusion

IVF is a life-changing procedure that offers hope to countless couples struggling with infertility. While the cost of IVF in Uganda is a significant consideration, careful planning and budgeting can make the process more manageable. At Fertility Centre Kenya, we are committed to providing our patients with the highest quality care and the most affordable treatment options. If you are considering IVF in Uganda, we encourage you to reach out to our team for personalized guidance and support.

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Mastering Enterprise Risk Management: Essential Strategies and Expert Consultancy in Kenya

In today’s complex and dynamic business environment, effective risk management is more critical than ever. Enterprise Risk Management (ERM) provides a structured and comprehensive approach to identifying, assessing, and managing risks across an organization. In Kenya, the increasing need for robust risk management frameworks and information security systems has given rise to specialized consultancy firms that offer expert guidance and solutions. This blog delves into the key aspects of ERM, training, consulting, and the importance of information security management in the Kenyan context.

Understanding Enterprise Risk Management (ERM)

Enterprise Risk Management (ERM) is a holistic approach to managing risks that could potentially impact an organization's objectives. Unlike traditional risk management, which often focuses on specific areas, ERM encompasses all types of risks including strategic, operational, financial, and compliance risks. By adopting ERM, organizations can better anticipate and mitigate potential threats, thereby ensuring long-term stability and success.

The Importance of Enterprise Risk Management Training

Effective ERM requires a deep understanding of risk management principles and practices. This is where enterprise risk management training comes into play. Training programs equip employees and management with the necessary skills and knowledge to identify, assess, and manage risks effectively. In Kenya, various institutions and consultancy firms offer specialized ERM training programs tailored to the unique needs of different industries. These programs often cover topics such as risk assessment techniques, risk mitigation strategies, and the implementation of ERM frameworks.

Enterprise Risk Management Consulting: Expertise at Your Service

Implementing a robust ERM system can be challenging, especially for organizations with limited internal expertise. Enterprise risk management consulting firms provide valuable assistance by offering expert advice and solutions tailored to the specific needs of an organization. In Kenya, several consultancy firms specialize in ERM, helping businesses design, implement, and maintain effective risk management systems. These consultants work closely with organizations to identify potential risks, develop mitigation strategies, and ensure compliance with relevant regulations and standards.

The Role of an Enterprise Risk Management System

An Enterprise Risk Management System (ERMS) is a comprehensive tool that facilitates the systematic identification, assessment, and management of risks across an organization. An effective ERMS integrates risk management into the organization’s overall strategy and operations, enabling proactive risk management. In Kenya, businesses are increasingly adopting ERMS to enhance their risk management capabilities. These systems often include features such as risk registers, risk assessment tools, and reporting mechanisms that provide real-time insights into the organization’s risk profile.

Leading Risk Management Consultancy Firms in Kenya

Kenya boasts several top-tier risk management consultancy firms that offer a wide range of services, from ERM and financial risk management to information security and compliance. These firms are renowned for their expertise and commitment to helping organizations navigate complex risk landscapes. The best risk management consultancy firms in Kenya provide customized solutions that align with the specific needs and goals of their clients. They leverage their deep industry knowledge and experience to deliver effective risk management strategies that drive organizational resilience and success.

Implementing an Enterprise Risk Management Framework

An Enterprise Risk Management Framework provides a structured approach to managing risks across an organization. It defines the processes, methodologies, and tools needed to identify, assess, manage, and monitor risks. Implementing an ERM framework involves several key steps, including establishing risk governance, conducting risk assessments, developing risk mitigation plans, and monitoring and reporting on risk management activities. In Kenya, many organizations are adopting ERM frameworks to enhance their risk management capabilities and ensure compliance with regulatory requirements.

Information Security Management System (ISMS)

With the increasing reliance on digital technologies, information security has become a critical aspect of risk management. An Information Security Management System (ISMS) is a systematic approach to managing sensitive company information, ensuring its confidentiality, integrity, and availability. An ISMS encompasses policies, procedures, and controls designed to protect information from various threats. In Kenya, businesses are increasingly recognizing the importance of implementing robust ISMS to safeguard their data and maintain customer trust.

Information Security Risk Management

Information Security Risk Management involves identifying, assessing, and mitigating risks related to the protection of information assets. This process is essential for preventing data breaches, cyber-attacks, and other security incidents that could compromise sensitive information. Effective information security risk management requires a comprehensive understanding of the organization’s information assets, the threats they face, and the vulnerabilities that could be exploited. In Kenya, businesses are adopting advanced information security risk management practices to protect their data and ensure regulatory compliance.

The Role of ISMS Consultants in Kenya

ISMS consultants in Kenya play a crucial role in helping organizations design, implement, and maintain effective information security management systems. These consultants provide expert guidance on best practices, regulatory requirements, and the latest security technologies. They work closely with organizations to identify information security risks, develop mitigation strategies, and ensure compliance with standards such as ISO/IEC 27001. By leveraging the expertise of ISMS consultants, businesses in Kenya can enhance their information security posture and protect their critical information assets.

Information Security Management Consultancy: Ensuring Robust Security Postures

Information security management consultancy services offer specialized expertise in designing and implementing comprehensive security frameworks. These services help organizations identify security gaps, develop policies and procedures, and implement controls to protect their information assets. In Kenya, information security management consultancies are instrumental in helping businesses navigate the complex landscape of cyber threats and regulatory requirements. They provide tailored solutions that address the unique security challenges faced by different industries, ensuring robust and resilient security postures.

Conclusion

Effective risk management is essential for the success and resilience of any organization. In Kenya, the growing complexity of business environments and the increasing reliance on digital technologies have highlighted the importance of robust enterprise risk management and information security management systems. By leveraging the expertise of specialized consultancy firms and investing in comprehensive training programs, businesses can enhance their risk management capabilities and ensure long-term stability and success. As the business landscape continues to evolve, the role of ERM and information security management will only become more critical, making it imperative for organizations to stay ahead of the curve and proactively manage their risks.

[selectivf]

Understanding IVF Cost in Kenya: A Comprehensive Guide

In Kenya, infertility affects many couples, impacting their dreams of starting a family. Fortunately, advancements in medical science have made options like In Vitro Fertilization (IVF) accessible. IVF offers hope to those struggling with infertility, but understanding the costs involved is crucial for planning and decision-making. In this article, we delve into the intricacies of IVF cost in Kenya, shedding light on what prospective parents can expect on their journey towards parenthood.

IVF Cost in Kenya can vary significantly depending on several factors. One of the primary determinants is the clinic chosen for the procedure. Select IVF clinics in Kenya offer varying packages, including different services bundled together. These packages often encompass consultation fees, fertility testing, medication, the IVF procedure itself, and any additional procedures or services required. It’s essential for couples to research and compare packages offered by different clinics to find the most suitable option for their needs and budget.

Another factor impacting IVF Cost in Kenya is the availability and affordability of fertility medications. These medications stimulate the ovaries to produce multiple eggs, a crucial step in the IVF process. However, the cost of these medications can be significant, adding to the overall expense of treatment. Some clinics may offer medication packages or discounts, so it’s advisable for couples to inquire about these options to manage costs effectively.

In addition to medical expenses, couples undergoing IVF treatment in Kenya should consider non-medical costs such as travel, accommodation, and time off work. IVF treatment often requires multiple clinic visits and monitoring appointments, which may necessitate travel for couples living outside major urban centers where IVF clinics are located. Planning for these additional expenses ensures that couples can undergo treatment without financial strain.

Despite the costs involved, IVF offers hope to couples struggling with infertility. Many couples view the investment in IVF as a worthwhile endeavor, considering the potential reward of starting a family. Moreover, some clinics offer financing options or payment plans to help alleviate the financial burden, making IVF more accessible to a wider range of individuals.

Select IVF clinics in Kenya prioritize patient care and support throughout the IVF journey. They offer comprehensive services, including counseling, fertility testing, and personalized treatment plans tailored to each couple’s needs. By choosing a reputable clinic with a track record of success, couples can increase their chances of achieving a successful pregnancy while receiving the necessary support and guidance along the way.

In conclusion, understanding IVF Cost in Kenya is essential for couples considering fertility treatment. By researching clinic packages, considering individual circumstances, and planning for additional expenses, couples can navigate the financial aspect of IVF more effectively. While the cost of IVF treatment may seem daunting, the potential reward of parenthood makes it a worthwhile investment for many couples. With the support of reputable clinics like Select IVF, couples can embark on their journey towards parenthood with hope and confidence.

[kenyasurrogacy]

Understanding Surrogacy Costs in Mombasa

Surrogacy has become an increasingly popular option for individuals and couples seeking to build their families. In Mombasa, Kenya, the surrogacy process offers a unique blend of cultural acceptance, legal frameworks, and competitive pricing. However, understanding the costs involved is crucial for prospective parents. This article explores the various factors that influence surrogacy costs in Mombasa.

Breakdown of Surrogacy Costs

Agency Fees: One of the most significant components of surrogacy costs is the fees charged by surrogacy agencies. These agencies provide essential services, including matching intended parents with surrogates, legal assistance, and medical coordination. In Mombasa, agency fees can vary widely, typically ranging from $10,000 to $30,000, depending on the services included.

Surrogate Compensation: The surrogate’s compensation is another critical expense. In Kenya, surrogate mothers are compensated for their time, effort, and the emotional and physical challenges associated with pregnancy. Compensation can range from $5,000 to $15,000, with variations based on the surrogate’s experience, location, and personal circumstances.

Medical Expenses: Medical costs encompass a range of services, including fertility treatments, prenatal care, labor, and delivery. In Mombasa, the total medical expenses can be estimated between $10,000 and $20,000. This figure may fluctuate depending on the health of the surrogate and any complications that may arise during the pregnancy.

Legal Fees: Navigating the legal landscape of surrogacy is essential to ensure the rights of all parties involved. Legal fees in Mombasa can range from $2,000 to $5,000. These costs cover drafting contracts, parental rights agreements, and any necessary court appearances

Miscellaneous Expenses: Additional costs may include psychological counseling for the surrogate, travel expenses for the intended parents, and any unexpected medical emergencies. It’s advisable to budget for these extras, which can add another $3,000 to $7,000 to the total cost.

Total Estimated Cost

Taking all these factors into account, the total cost of surrogacy in Mombasa typically ranges from $30,000 to $70,000. This range provides a general framework, and actual costs can vary based on individual circumstances, agency choices, and specific medical needs.

Payment Structures

Most surrogacy agencies offer flexible payment plans to help intended parents manage costs. Payments may be structured in installments, with specific amounts due at different stages of the surrogacy process, such as upon signing the contract, after successful embryo transfer, and at delivery.

Conclusion

Surrogacy in Mombasa presents a viable option for those looking to expand their families. While the costs can seem daunting, understanding the various components can help intended parents prepare financially. It’s essential to conduct thorough research, choose a reputable agency, and consult with legal and medical professionals to ensure a smooth and successful surrogacy journey. By doing so, prospective parents can focus on the joys of parenthood, knowing they have made informed decisions every step of the way.

Get more info

Gmail-surrogacykenya@gmail.com

contact no.-254 100241479

website-https://kenyasurrogacy.com/

[ivfsurrogacycentreindia]

IVF Cost in Kenya: A Comprehensive Guide

The cost of In Vitro Fertilization (IVF) in Kenya is an important consideration for couples and individuals seeking fertility treatments. IVF is a widely used assisted reproductive technology that involves combining eggs and sperm outside the body, and it offers hope to many who face challenges in conceiving naturally.

Understanding IVF Costs in Kenya

The cost of IVF in Kenya can vary significantly depending on several factors, including the clinic’s reputation, the experience of the fertility specialists, and the specific services included in the treatment package. On average, the cost of a single IVF cycle in Kenya ranges from $3,000 to $5,000. This cost typically includes consultations, hormonal stimulation, egg retrieval, fertilization, embryo transfer, and initial pregnancy tests.

Factors Affecting IVF Costs

Clinic Selection: The choice of clinic plays a crucial role in determining the overall cost. Well-established clinics with experienced specialists may charge higher fees due to their success rates and advanced facilities.

Medication Costs: Medications used for ovarian stimulation are a significant part of the IVF process. The cost of these medications can vary, impacting the overall treatment expense.

Additional Procedures: In some cases, additional procedures like Intracytoplasmic Sperm Injection (ICSI), Preimplantation Genetic Testing (PGT), or egg/sperm donation may be required, adding to the overall cost.

Number of Cycles: The success of IVF may require multiple cycles, each adding to the total cost. While some couples achieve pregnancy in the first cycle, others may need two or more attempts.

Financial Planning for IVF in Kenya

Given the significant financial investment, it is essential to plan and budget for IVF treatment in Kenya. Many clinics offer flexible payment plans or financial assistance options to help ease the burden. It’s advisable to consult with the clinic about any available packages or discounts that may reduce the overall cost.

Conclusion

IVF in Kenya offers a promising solution for those facing fertility challenges. While the cost may seem daunting, understanding the factors that contribute to the price and exploring financial options can make the process more manageable. With the right clinic and support, couples and individuals can take a significant step towards achieving their dream of parenthood.

Get More Info :- Select IVF

Gmail :-info@selectivf.com

Phone no :-8447592299

[mymedtrips]

Bone Marrow Transplant Cost in India

The supple, fatty tissue found inside your bones is called bone marrow. The cells that make blood and platelets are found in bone marrow, which also produces billions of new blood cells daily.

A bone marrow transplant (BMT) includes using healthy blood-forming stem cells to replace the patients' diseased or damaged bone marrow. This is a complicated and highly specialized method used to treat blood and marrow diseases as well as specific blood tumors including leukemia and lymphoma.

Bone Marrow Transplant Cost in India

 For an allogeneic transplant, the average Bone Marrow transplant cost in India is between 20,25,000 INR and 30,37,500 INR. For a Haplo transplant, the average Bone Marrow transplant price in India ranges from 29,76,330 to 41,33,792 INR. Every cost of Bone Marrow transplant in India varies in India because of patient condition and hospital fees, which is another major factor. Everything relies on your medical needs and financial capacity. You have to check price of Bone Marrow transplant in India according to hospitals.

Best Bone Marrow Transplant Hospitals in India

Fortis Memorial Research Institute

Address: Gurgaon, Opposite HUDA City Centre, Sector 44, Gurugram, Haryana – 122002.

Fortis Memorial Research's Institute of Blood Disorders and Bone Marrow Transplant is the Best Doctors for Bone Marrow transplant in India that efficiently treats patients in need of hematopoietic stem cell transplants.

The center provides autologous or allogeneic bone marrow transplant to adults, newborns, kids, and teenagers with malignant or non-malignant blood-related disorders.

Medanta – The Medicity, Gurgaon

Address: CH Baktawar Singh Road, Sector 38, Gurugram, Haryana – 122001

A multi-super specialty and the best hospital for Bone Marrow transplant in India with worldwide accreditation, Medanta provides a variety of medical services and amenities. Medanta's Bone Marrow Transplant Program is one of the top hospitals in India that provides the best BMT care for patients with blood disorders.

3. Indraprastha Apollo Hospital, Delhi

Address: Sarita Vihar, Delhi Mathura Road, New Delhi – 110076.

A notable healthcare organization around the world is Apollo Hospitals. Because it offers reputable and cost-effective BMT therapy in India, the facility is a popular choice of location for many overseas patients.

With a high record of success, the blood and bone marrow transplantation facility at Apollo Hospitals provides comprehensive, well-coordinated, and patient services for the treatment of blood problems in both adults and children.

Best Bone Marrow transplant Doctor in India

Dr. Rahul Bhargav, a well-known and the Best Bone Marrow transplant doctors in India in the bone marrow transplant industry, is the department's leader and one of the greatest bone marrow transplant physicians in India. He did more than 800 bone marrow transplants.

The hospital is dedicated to one of the most well-known pediatric BMT programs in the nation, which includes experts like Dr. Satya Prakash Yadav, a renowned pediatric hematologist with years of experience. Under this initiative, hundreds of transplants are carried out on kids, including several with half-matched donors.

Notable figures like Dr. Shishir Seth are part of the BMT team at Indraprastha Apollo. Apollo Hospitals has performed more than 1500 transplants. The Apollo BMT center works hard to offer the greatest resources for the treatment and management of benign and malignant hematological illnesses with first-rate hematological laboratory and blood transfusion services.

My Med Trip is a top medical tourism company. We are offering complete medical and healthcare services with medical consulting in India for patients from all over the world including African countries like Kenya, Ethiopia, Uganda, Nigeria, South Africa, etc. We help you in finding the best hospitals, doctors, and good accommodations at affordable costs in India. We offer surgeries, treatment and transplant. Some of the are ovarian cancer, hip replacement, knee replacement, shoulder replacement surgery cost, brain tumor,  breast cancer surgery in India, orthopedic surgery cost in India, shoulder surgeons,orthopedic surgeons, heart valve replacement,  top heart hospital in India, knee surgeons, best Kidney transplant hospital in India and so on.

Source: https://mymedtrips.blogspot.com/2023/10/bone-marrow-transplant-in-india.html

[coopsday]

Strengthen the Cooperative sector to promote social solidarity for economic growth.

In line with the ILO’s Promotion of Cooperatives Recommendation, 2022 (No.193), Kenya recognizes the role of cooperatives in jobs creation, resource mobilization and socio- economic contribution to the nation’s development. The Government of Kenya’s social and economic plan dubbed the Bottom-Up Economic Transformation Agenda- (BETA) has placed cooperatives at the centre of its development plan.

BETA identifies cooperatives as an enabler that can facilitate positive changes at the bottom of the pyramid. Cooperatives cannot only drive organization of producers and aggregate production at the primary level but can also be used to promote access to markets, Business Development Services, financial services, social protection among other services. Over the years the cooperative sector in Kenya has lost its competitiveness due to changes in the business environment, governance challenges, advancement in technologies, and the decreasing returns to the agriculture sector among other challenges. To enable cooperatives to anchor its development plan, the Government has embarked on a cooperative sector transformation journey to improve the sector’s productivity, efficiency, and accountability.

The ILO, through the Partnership to Improve Prospects for Forcibly Displaced Persons and Host Communities programme (PROSPECTS) has been providing technical support to the Government to develop the Kenya Cooperatives Transformation Strategy (KCTS). A sector stakeholder consultative meeting was held in August 2023 to align the sector priorities to the BETA, and to prioritize issues that needed to be addressed in the transformation. Further sector consultations at grassroot level were held to gain buy in and provide room for public participation as required by law.

From 22-31 January 2024, ILO supported the organization of a final workshop that brought together key Government departments including the State Department of Cooperatives, the Presidential Economic Transformation Secretariat (PETS), the Cooperatives University of Kenya, the Attorney General’s Office, the Kenya Law Reforms Commission (KLRC), the Council of Governors, Cooperatives Alliance of Kenya, and the SACCO Society Regulatory Authority (SASRA). The objective was to finalize the drafting of the Kenya Cooperative Transformation Strategy. During the workshop, the following 11 key pillars were identified to enable the cooperative transformation agenda in Kenya: -

Pillar 1: Policy, Legal, Regulatory, and Institutional Framework, which focuses on establishing a robust foundation for cooperative development by formulating and implementing effective policies, legal structures, regulatory frameworks, and institutions.

Pillar 2: Cooperatives Compliance, which emphasizes the importance of compliance with established regulations and policies, encouraging cooperatives to adhere to cooperative principles and legal standards.

Pillar 3: Cooperative Governance which involves mechanisms for democratic decision-making, ensuring fair representation, and establishing accountability mechanisms to enhance the overall governance of cooperatives.

Pillar 4: Cooperative Productivity, Value Addition, and Market Access, which focuses on enhancing the economic viability of cooperatives through strategies to improve productivity, add value to products and services, and facilitate market access, ultimately contributing to the economic success of the cooperative enterprise.

Pillar 5: Cooperative Training, Information, and Research, which includes building the capacity of cooperative members and stakeholders through training, information dissemination, and research for informed decision-making and continuous improvement of the sector.

Pillar 6: Cooperative Knowledge Management which puts emphasis on the systematic organization and utilization of knowledge within cooperatives. It involves the creation of knowledge-sharing platforms, documentation of best practices, and fostering a culture of learning and innovation to enhance the overall knowledge base of the cooperative community.

Pillar 7: Cooperative Financing and Investment which addresses the financial aspects of cooperative development, including mechanisms for raising funds, managing finances effectively, and promoting responsible investment practices to ensure the financial sustainability of cooperative enterprises.

Pillar 8: Information, Technology and Digitization which explores the integration of Information and Communication Technologies (ICT) and other innovative technologies within the cooperative sector. This pillar aims to enhance efficiency, connectivity, and competitiveness through the adoption of modern technologies.

Pillar 9: Inter-Linkages and Coordination with Strategic Partners which underscores the importance of collaboration and coordination between cooperatives and various strategic partners.

Pillar 10: Cooperative Communication which focuses on promoting collaboration, transparency, and unity among members, stakeholders, and the broader community for social solidarity.

Pillar 11: Cross cutting Issues: Climate Change, Disaster Preparedness, Gender Inclusivity, Refugee Inclusion, Mainstreaming Youth, and PWDs, Peaceful Coexistence and wealth Distribution, which addresses key overarching concerns that have a profound impact on the cooperative sector.

The workshop also served to prioritize the transformation pillars and review the legal framework (Act and Regulations) that will enable the implementation of the strategy. As a next step the strategy, revised Cooperatives Bill and Regulations will be presented to the responsible parliamentary committee for enacting, before rolling out the implementation plan. The ILO will continue to provide technical assistance to Government to strengthen the Cooperative sector to promote social solidarity for economic growth.

[ultra-dartconsulting-stuff-blog]

MARKET GROWTH PROSPECTS OF BANKING SECTOR IN INDIA, 2023- 24 – DART CONSULTING FORECASTS HIGHER GROWTH IN THE NEXT FIVE YEARS

India’s banking sector is sufficiently capitalized and well-regulated. The financial and economic conditions are comparatively better even by comparing with well developed economies. Indian banks are generally resilient and have withstood the global downturn well as can be noted by reviewing previous years records.

The Indian banking industry has recently witnessed the rollout of innovative banking models like payments and small finance banks. In recent years, the Banks are increasingly focusing widening banking reach, through various schemes like the Pradhan Mantri Jan Dhan Yojana and Post payment banks. The rise of Indian NBFCs and fintech have significantly enhanced India’s financial inclusion and helped fuel the credit cycle in the country.

Here is a quick overview of key players in the industry.

HDFC Bank Ltd

HDFC Bank Ltd (HDFC) offers personal and corporate banking, private and investment banking, and other related financial solutions to individuals, MSMEs, government, and agriculture sectors, financial institutions and trusts, and non-resident Indians. It provides a range of deposit services and card products; loans for homes, cars, commercial vehicles, and other personal and business needs; insurance for life, health, and non-life risks; and investment solutions such as mutual funds, bonds, equities, and derivatives. HDFC also provides services such as cash management, corporate finance advisory, customized banking solutions, project and structured finance, trade financing, foreign exchange, internet banking, and payment and settlement services, among others. The bank operates in India through a network of branches, ATMs, phone banking, net banking, and mobile banking. It has overseas branches in Bahrain, Hong Kong, and the UAE, and representative offices in the UAE and Kenya. HDFC is headquartered in Mumbai, Maharashtra, India.

ICICI Bank Ltd

ICICI Bank Ltd (ICICI Bank) provides personal and corporate banking, investment banking, private banking, venture capital, life and non-life insurance solutions, securities broking, and asset management services to corporate and retail clients, high-net-worth individuals, and SMEs. It offers a wide range of products such as deposits accounts including savings and current accounts, and resident foreign currency accounts; investment products; and consumer and commercial cards. ICICI Bank offers to lend for home purchase, commercial business requirements, automobiles, personal needs, and agricultural needs. The bank offers services such as foreign exchange, remittance, import and export financing, advisory, trade services, personal finance management, cash management, and wealth management. It has an operational presence in Europe, Middle East, and Africa (EMEA), the Americas, and Asia. ICICI Bank is headquartered in Mumbai, Maharashtra, India.

State Bank of India

State Bank of India (SBI) is a universal bank. It provides a range of retail banking, corporate banking, and treasury services. The bank serves individuals, corporates, and institutional clients. Its major offerings include deposits services, personal and business banking cards, and loans and financing. The bank provides services such as mobile banking, internet banking, ATM services, foreign inward remittance, safe deposit locker, money transfer, mobile wallet, trade finance, merchant banking, project export finance, treasury, offshore banking, and cash management services. It operates in Asia, the Middle East, Europe, Africa, and North and South America. SBI is headquartered in Mumbai, Maharashtra, India.

Punjab National Bank

Punjab National Bank (PNB) offers retail and commercial banking, agricultural and international banking, and other financial services. Its retail and commercial banking portfolio offers credit and debit cards, corporate and retail loans, deposit services, cash management, and trade finance. Its international banking portfolio includes foreign currency accounts, money transfers, letters of guarantee, and world travel cards, and solutions to non-resident Indians. PNB also offers merchant banking, mutual funds, depository services, insurance, and e-services. The bank operates in India and has overseas operations in the UK, Bhutan, Myanmar, Bangladesh, Nepal, and the UAE. PNB is headquartered in New Delhi, India.

Bank of Baroda

Bank of Baroda (BOB) offers retail, agriculture, private and commercial banking, and other related financial solutions. It includes loans, deposit services, and payment cards. The bank offers loans for homes, vehicles, education, agriculture, personal and corporate requirements, mortgage, securities, and rent receivables, among others. It provides current and savings accounts; fixed and recurring deposits; debit, credit, and prepaid cards. The bank also provides insurance coverage for life, health, and general purposes. It offers services such as treasury, financing, mutual funds, cash management, international banking, digital banking, internet banking, start-Up banking, and wealth management. The bank has operations in Asia-Pacific, Europe, North America, and the Middle East and Africa. BOB is headquartered in Baroda, Gujarat, India.

Industry Performance

The health of the banking system in India has shown steady improvement, according to the Reserve Bank of India’s latest report on trends in the sector. From capital adequacy ratio to profitability metrics to bad loans, both public and private sector banks have shown visible improvement. And as credit growth has also witnessed an acceleration in 2021-22, banks have seen an expansion in their balance sheet at a pace that is a multi-year high. As of November 4, 2022, bank credit stood at Rs. 129.26 lakh crore (US$ 1,585.09 billion). As of November 4, 2022, credit to non-food industries stood at Rs. 128.87 lakh crore (US$ 1.58 trillion).

Given the increasing intensity, spread, and duration of the pandemic, economic recovery the performances of key companies in the industry was positive. The reported margin of the industry by analyzing the key players was around 13.7% by taking into consideration the last 3 years’ data. Details are as follows.

Companies Net Margin EBITDA/Sales

HDFC Bank Ltd. 23.5% 31.2%

ICICI Bank Ltd. 22.3% 30.4%

State Bank of India 10.0% 25.7%

Punjab National Bank 4.0% 10.0%

Bank of Baroda 8.9% 13.9%

Industry Margins 13.7% 22.2%

Industry Trends

The macroeconomic picture for 2023 portends mixed fortunes for consumer payment players. Higher rates should boost banks’ net interest margins for card portfolios, but persistent inflation, depletion of savings, and a potential economic slowdown could weigh on consumers’ appetite for spending. Digital identity is expected to evolve as a counterbalancing force to mitigate fraud risks in the long run. Transaction banking businesses are standing firm despite recent market uncertainties. For many banks, these divisions have been a steady source of revenues and profits.

Over the long term, banks will need to pursue new sources of value beyond product, industry, or business model boundaries. The new economic order that will likely emerge over the next few years will require bank leaders to forge ahead with conviction and remain true to their purpose as guardians and facilitators of capital flows. With these factors in mind, the industry is still showing huge growth potential, some of the growth divers that is propelling the industry are:

Rising rural income pushing up demand for banking

Rapid urbanisation, decreasing household size & easier availability of home loans has been driving demand for housing.

Growth in disposable income has been encouraging households to raise their standard of living and boost demand for personal credit.

The industry is attracting major investments as follows.

On June 2022, the number of bank accounts—opened under the government’s flagship financial inclusion drive ‘Pradhan Mantri Jan Dhan Yojana (PMJDY)’—reached 45.60 crore and deposits in the Jan Dhan bank accounts totaled Rs. 1.68 trillion (US$ 21.56 billion).

Some of the major initiatives taken by the government to promote the industry in India are as follows:

As per the Union Budget 2022-23:

National Asset reconstruction company (NARCL) will take over, 15 non-performing loans (NPLs) worth Rs. 50,000 crores (US$ 6.70 billion) from the banks.

National payments corporation India (NPCI) has plans to launch UPI lite this will provide offline UPI services for digital payments. Payments of up to Rs. 200 (US$ 2.67) can be made using this.

In the Union budget of 2022-23 India has announced plans for a central bank digital currency (CBDC) which will be possibly know as Digital Rupee.

Through analyzing the performance of the contributing companies for the last three years, we can ascertain that the sector witnessed compounded annual growth rate (CAGR) of 9.9% at the end of 2022. Details are as below.

Companies CAGR

HDFC Bank Ltd. 14.02%

ICICI Bank Ltd. 7.3%

State Bank of India 8.4%

Punjab National Bank 9.2%

Bank of Baroda 10.7%

Industry CAGR 9.9%

Working through partnerships both with NBFCs and FinTech is high on the agenda of the Indian banking sector, and this is an area of focus of the FICCI National Committee on Banking. Banks will have to play a very constructive role as India aspires to be the leading economy in future. The strengthened banking sector has the potential to contribute directly and indirectly to GDP, increase job creation and enhance median income. Technology interventions to strengthen the quality and quantity of credit flow to the priority sector will be an important aspect. The need for sustainable finance / green financing is also gaining importance.

With these attributes boosting the sector, the Indian banking industry is likely to grow 5% more than the reported growth rate and is expected to exhibit CAGR of 10.4% in the next five years from 2023 to 2027.

DART Consulting provides business consulting through its network of Independent Consultants.  Our services include preparing business plans, market research, and providing business advisory services. More details at https://www.dartconsulting.co.in/dart-consultants.html

[fertilitycentrekenya]

IVF Cost in Kenya: Understanding the Expenses Involved

In vitro fertilization (IVF) is a widely used assisted reproductive technology (ART) that helps couples struggling with infertility to conceive. While the success rates of IVF treatments have significantly improved over the years, one of the primary concerns for many couples considering this option is the cost involved. In Kenya, like in many other countries, the cost of IVF can vary widely depending on several factors. Let’s delve into the details of IVF cost in Kenya, including the factors that influence it and how couples can manage these expenses.

Factors Affecting IVF Cost in Kenya

Clinic Reputation and Location: The reputation and location of the fertility clinic can significantly impact the cost of IVF. Clinics in urban areas or those with a higher success rate may charge more for their services.

Treatment Plan: The complexity of the treatment plan, including the need for additional procedures such as intracytoplasmic sperm injection (ICSI) or preimplantation genetic testing (PGT), can affect the overall cost of IVF.

Medication: The cost of fertility medications used during the IVF cycle can vary depending on the type and dosage required. These medications are often a significant part of the total cost.

Number of Cycles: The number of IVF cycles required to achieve a successful pregnancy can impact the total cost. Some couples may need multiple cycles before achieving success.

Additional Services: Additional services such as embryo freezing, embryo biopsy, or assisted hatching may incur extra costs.

Diagnostic Tests: Before starting IVF, couples may need to undergo various diagnostic tests to assess their fertility status. These tests can add to the overall cost.

Insurance Coverage: In Kenya, insurance coverage for IVF treatments varies. Some insurance plans may cover part or all of the costs, while others may not cover IVF at all.

Understanding the Cost Breakdown

The cost of IVF in Kenya is typically broken down into several components, including:

Consultation and Diagnostic Tests: This includes the initial consultation with the fertility specialist and various diagnostic tests to assess the couple’s fertility status. The cost can range from Ksh 10,000 to Ksh 50,000 or more.

IVF Cycle: The cost of a single IVF cycle in Kenya can range from Ksh 200,000 to Ksh 600,000 or more, depending on the clinic and the treatment plan.

Fertility Medications: The cost of fertility medications for a single IVF cycle can range from Ksh 50,000 to Ksh 200,000 or more, depending on the type and dosage required.

Additional Procedures: If additional procedures such as ICSI, PGT, or assisted hatching are required, they can add to the overall cost.

Follow-up Visits: After the IVF procedure, follow-up visits may be required to monitor the progress of the pregnancy. The cost of these visits is typically included in the overall IVF package.

Managing IVF Costs

While the cost of IVF in Kenya can be significant, there are several ways couples can manage these expenses:

Insurance Coverage: Explore your insurance options to see if IVF is covered. Some employers offer fertility benefits that can help offset the cost.

Fertility Financing Programs: Some clinics offer financing programs that allow couples to pay for IVF treatments in installments.

Government Support: In some cases, the government may offer financial assistance or subsidies for IVF treatments.

Consideration of Alternatives: Depending on your specific situation, alternative treatments or procedures may be more cost-effective than traditional IVF.

Comparing Costs: Get quotes from multiple fertility clinics and compare their costs and success rates to find the best option for your budget and needs.

Conclusion

In conclusion, the cost of IVF in Kenya can vary widely depending on several factors. While it can be a significant financial investment, many couples find that the joy of starting a family outweighs the cost. By understanding the factors that influence IVF cost and exploring options for managing expenses, couples can make informed decisions about their fertility treatment journey.

[jobskenyaplace]

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MINISTRY OF MINING, BLUE ECONOMY AND MARITIME AFFAIRS TENDER FEBRUARY 2024  Request for Expression of Interest (Consulting Services – Individual Consultant Selection) Country: Kenya Name of project: Kenya Marine Fisheries and Socio-Economic Development Project (KEMFSED) Project No.: P163980 Credit No: 65400-KE Assignment Title: Individual Consulting Services for the Assessment of the…

[ivfsurrogacycentreindia]

IVF Cost in Kenya

Embarking on the journey of In Vitro Fertilization (IVF) in Kenya is a transformative step towards parenthood, but understanding the associated costs is crucial. The IVF cost in Kenya is influenced by various factors, making it essential for couples to navigate this financial landscape with clarity.

Understanding IVF Costs in Kenya

IVF costs in Kenya vary based on factors like clinic reputation, location, and the specific treatment plan required. While it may seem daunting, many fertility clinics in Kenya are committed to transparency, providing detailed breakdowns of costs associated with procedures, medications, consultations, and additional services.

Factors Influencing IVF Cost

The IVF cost in Kenya is influenced by several key factors. The clinic’s reputation and success rates, the experience of the medical team, and the complexity of the infertility issues being addressed can all impact the overall cost. It’s essential for couples to have a clear understanding of these factors when planning for their IVF journey.

Inclusive Packages and Transparency

Some fertility clinics in Kenya offer inclusive IVF packages, streamlining costs for a more transparent financial experience. These packages often cover various aspects of the IVF process, including initial consultations, diagnostic tests, medications, and the procedure itself. Exploring such packages can help individuals better manage and plan for their financial commitment.

Government Initiatives and Support

Kenya has made strides in improving healthcare accessibility, and this includes initiatives related to reproductive health. While not all IVF costs may be covered, exploring government support and healthcare initiatives can provide financial relief for couples undergoing fertility treatments.

Insurance Coverage for IVF

Understanding insurance coverage for IVF in Kenya is vital. While not all insurance policies cover fertility treatments, some do provide partial coverage for certain aspects of the IVF process. Couples are encouraged to explore their insurance options and inquire about fertility coverage to alleviate some of the financial burdens associated with IVF.

Financing Options and Financial Planning

Many fertility clinics in Kenya offer financing options, allowing couples to distribute the costs over a more extended period. This can make IVF more financially manageable. Additionally, couples are advised to engage in careful financial planning, considering potential additional costs and creating a budget that accommodates their unique circumstances.

In conclusion, navigating the IVF cost landscape in Kenya requires a comprehensive understanding of the factors influencing pricing, available support, and potential financing options. With transparent clinics, government initiatives, insurance coverage, and financial planning, couples can embark on their IVF journey with greater confidence, knowing they have access to affordable fertility solutions that bring them closer to the dream of parenthood.