A nation where African, European, and Asian cultures converge, Seychelles leads in marine protection, champions digitization, and drives bold, eco-focused economic transformation.



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“With unity, the same focus and discipline, the future can only be great and I believe Seychelles can be a true model not just for the region, but for the continent and for the world.” – H.E. Wavel Ramkalawan, President of Seychelles 
</blockquote>



Seychelles, a country in the Indian Ocean, symbolizes cross-cultural cooperation, environmental conservation, and progressive innovation.&nbsp;&nbsp;



A microcosm of resilience and sustainable development, the island country is much more than just a tourist haven with its immaculate beaches, abundant marine species, and rich cultural legacy; it is a model for countries attempting to strike a balance between sustainability and growth as it forges ahead.&nbsp;



The story of Seychelles is written in its people — a vibrant mix of African, European, and Asian origins. This confluence of cultures vividly symbolizes Victoria, the world’s smallest capital city. Wavel Ramkalawan, the President of Seychelles, says, “I believe Seychelles can be a true model not just for the region but for the continent and for the world”.&nbsp;&nbsp;



Seychelles’ blue seas are not just beautiful but essential to the nation’s existence. The country has established itself as a world pioneer in marine conservation, with a Marine Spatial Plan protecting more than 32% of its waters and aggressive goals to preserve its seagrasses and mangroves by 2030. This ecological foresight is a socio-economic need as well as an environmental strategy.&nbsp;&nbsp;



Bernard Georges, Senior Partner of Georges &amp; Co, Attorneys, adds, “Seychelles is a clean, safe, and democratic country with a highly intelligent population. We need to capitalize on these remarkable strengths”.&nbsp;



For a country with limited landmass and resources, it has pioneered a unique governance model that values precision and innovation. One striking example is the government’s digitization initiative.&nbsp;&nbsp;



“Digitization reduces friction, enhances citizen services, and promotes economic efficiency,” says Tom Marten, Managing Director of Emerging Markets at Travizory.&nbsp;&nbsp;



By moving toward a paperless administration, Seychelles ensures inclusivity and fosters global connectivity, creating a model other nations might aspire to replicate.&nbsp;



Historically reliant on tourism and fisheries, Seychelles is laying the groundwork for economic diversification.&nbsp;&nbsp;



Gopi Dubasia, Visionary Entrepreneur and Director at Shreeji Group says, “We must innovate beyond the familiar pillars of tourism and fishing to unlock Seychelles’ true potential”. Dubasia envisions opportunities in sectors such as green technology, education, and sustainable real estate — areas where the country’s small size becomes an advantage, enabling agility and niche innovation.&nbsp;



The nation’s leadership is also focusing on creating an enabling environment for local entrepreneurs and international investors. High-value industries, such as IT and eco-friendly manufacturing, are beginning to take root, supported by a stable democratic system and a forward-thinking government.&nbsp;&nbsp;



As Nazim Mahmood, Managing Director of Absa Seychelles says, “Seychelles is open for business. For the smart investor, there is money to be made here”.&nbsp;



In Seychelles, the future is not a distant horizon but a vibrant reality in the making—a harmonious blend of human potential and natural wonders. Though small in scale, this island nation has a message for the world: progress is possible when you innovate with purpose, care for the environment, and honor your cultural roots.&nbsp;



<a href="https://cms.forbesafrica.com/wp-content/uploads/2025/02/ONLINE-PENRESA_FA-2025-SEYCHELLES-v09-1.pdf">Download full report here</a>



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LEADING SEYCHELLES 207A2317

A Harmonious Model Of Growth, Sustainability and Diversity 

Shelter Afrique Development Bank addresses Africa’s US$1.4 trillion housing gap with tailored financing like green bonds, diaspora financing, and climate-resilient housing, impacting millions.&nbsp;



In October 2023, a defining moment unfolded for Shelter Afrique. The institution, long recognized as a cornerstone in African housing finance, transformed into the Shelter Afrique Development Bank (ShafDB), a transition ratified at the Extraordinary General Meeting in Algiers. Under the visionary leadership of CEO Thierno-Habib Hann, this transformation was more than a rebranding—it was a rebirth, equipping ShafDB with the governance and tools necessary to tackle Africa’s housing deficits head-on. “Our transition represents a paradigm shift, equipping us with the tools and governance necessary to tackle housing deficits across Africa,” Hann reflects.&nbsp;



The past year has marked a period of remarkable transformation for ShafDB. Achieving profitability in 2023 after a challenging financial period was a significant milestone, highlighting the institution’s renewed strength and commitment to economic sustainability. This success was accompanied by recognition from the African Union and UN–Habitat’s inaugural African Urban Forum which designated ShafDB as the anchor resource mobilization partner for housing and urban development, solidifying its pivotal role in shaping Africa’s housing future. Furthermore, ShafDB was honored with the “Pan-African Development Bank Leadership Award – A Pioneer in Housing Finance” at the 40th Annual African Union for Housing Finance Awards Gala, a testament to its 42-year legacy in advancing sustainable housing across the continent.&nbsp;&nbsp;



“Our Pan-African mandate allows us to tackle Africa’s housing deficit head-on, leveraging partnerships and cutting-edge technologies to meet this critical need.” 



As ShafDB looks to the future, it is clear that the journey is only just beginning. The rebranding process, which symbolizes the organization’s broadened vision, will culminate with launching a bold new visual identity in 2025. Hann sees this evolution as a reflection of the bank’s strategic priorities: enhancing housing impact by providing affordable housing finance solutions and technical assistance, ensuring financial sustainability through profitability and robust asset management, and strengthening organizational governance to support its growing mandate. These goals align with Africa’s immense challenges, where over 53 million housing units are needed—requiring an estimated US$1.4 trillion to bridge the gap. With urbanization projected to double the continent’s urban population by 2050, ShafDB is uniquely positioned to address these pressing needs.&nbsp;



ShafDB is leveraging innovation and partnerships to scale its impact to achieve its ambitious vision. Engaging the African diaspora to mobilize remittances for housing projects and embracing digital financing platforms are key strategies that reflect the bank’s forward-thinking approach. “Technology and diaspora contributions are game-changers, enabling us to scale&nbsp;



solutions effectively,” Hann notes. By working closely with governments, communities, and multilateral organizations, the bank ensures its projects align with local socio-economic realities while adhering to international standards.&nbsp;



The commitment to excellence extends to ShafDB’s internal operations, where global experts are brought on board to enhance governance and develop transformative solutions. These efforts have resulted in projects that improve living conditions, create resilient urban environments, and drive economic opportunities. Hann succinctly captures this mission’s essence: “We’re not just financing houses; we’re building futures for Africans.”&nbsp;



As ShafDB moves forward, it is strengthening partnerships with institutions such as the Arab Bank for Economic Development in Africa (BADEA), the African Development Bank Group (AfDB), and Afreximbank to expand its reach and mobilize additional resources. Hann emphasizes the importance of this collaborative approach: “Our journey is one of continuous adaptation and collaboration, ensuring we meet the evolving needs of the continent.”&nbsp;

Thierno-Habib Hann, CEO of Shelter Afrique Development Bank

Redefining Africa’s Urban Future Through Housing and Development 

Kenya is becoming a hub of innovation, sustainability, and opportunity, offering a roadmap for Africa&#8217;s future. Read more from CEOs and thought leaders about the progress the country is making and its investment potential in this Penresa report.



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“Kenya’s vision is to build an economy that supports enterprise, empowers youth, and creates opportunities for all. Together, we are laying the foundation for sustainable and inclusive growth.” – H.E. William Ruto, President of Kenya​&nbsp;



Kenya’s remarkable transformation into one of Africa’s most dynamic economies is a testament to visionary leadership and well-executed policies.



President William Ruto has placed inclusivity, sustainability, and innovation at the center of the nation’s progress, creating a platform for long-term growth that is inspiring, both locally and globally.



Central to this success is Kenya’s renewable energy leadership. Approximately 90% of Kenya’s electricity is generated from clean energy sources, such as geothermal, wind, and solar power, with projects like the Olkaria Geothermal Plant and Lake Turkana Wind Power Project driving sustainability and energy independence.



“Kenya is not just transitioning to renewable energy; we are positioning ourselves as a global leader in sustainability,” says James Opiyo Wandayi, Minister of Energy and Petroleum.



These initiatives support not only environmental goals but also the energy needs of key sectors like agriculture and technology. Agriculture, the backbone of Kenya’s economy, is also evolving. Through climate-smart practices and local value addition, the country is reducing its dependence on raw exports while enhancing job creation.



President Ruto highlighted this transformation, stating, “Our priority is to process more of our agricultural produce locally. This will create jobs, drive economic diversification, and improve our global competitiveness”.



Efforts to empower smallholder farmers and cooperatives are already showing results, particularly in the tea and coffee sectors, where locally processed exports are growing. Andrew Mwihia Karanja, Minister of Agriculture, added, “By supporting cooperatives and expanding access to markets, we are ensuring that farmers benefit more directly from their labor”.



Kenya’s investments in infrastructure and trade are another cornerstone of its development. Positioned within the African Continental Free Trade Area (AfCFTA), Kenya is expanding its logistics and connectivity to support regional and international commerce. The Standard Gauge Railway project, backed by international partnerships, has improved efficiency in moving goods across the region, cementing Kenya’s role as a trade hub.



The country’s emphasis on youth empowerment also stands out. With over 75% of its population under 35, programs in education, entrepreneurship, and digital skills training are preparing the next generation to lead.



“Our young people are driving innovation in sectors ranging from agritech to fintech, and we are committed to providing them with the resources they need to succeed,” says Simon Chelugui, Minister of Cooperatives and MSMEs.



<a href="https://cms.forbesafrica.com/wp-content/uploads/2025/02/PENRESA_FA-Kenya-2025-vONLINE_07.pdf">Download full report here</a>



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Beyond its economic achievements, Kenya’s approach to conservation and sustainable tourism is setting an example for other nations. The Maasai Mara, one of the world’s most renowned ecosystems, is benefiting from community-driven conservation initiatives that balance tourism with biodiversity protection.



“Our commitment to sustainability is reflected in our efforts to preserve our natural heritage while ensuring it contributes to economic growth,” notes Peninah Malonza, Cabinet Secretary for Tourism.



Kenya’s ability to integrate sustainability, innovation, and inclusivity across its policies has created an environment that attracts both local and global investors.



“Kenya is open for business. Our policies are designed to foster enterprise, attract investment, and drive industrialization,” said President Ruto.



These efforts continue to build confidence among international stakeholders, making Kenya a model for sustainable development in Africa.



The nation’s story is far from finished. Its blend of strategic leadership, resourcefulness, and innovation is positioning it as a global player and offering a unique opportunity for those ready to contribute to its remarkable progress.



This is Kenya—a nation that is not just growing but thriving, setting the standard for what Africa can achieve. 
</blockquote>

Kenya,,Nairobi,,Indipendence,Monument,(film,Scan)

Kenya: An Innovative and Sustainable Hub For Africa 

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The Japanese investment firm, AAIC is dedicated to nurturing the growth of innovative healthcare start-ups in Africa, providing strategic support for their multinational expansion.&nbsp;&nbsp;



Since 2017, AAIC Investment has invested in over 50 start-ups in Africa’s healthcare and innovation sectors. One of these start-ups, fintech firm Chipper Cash, grew into a unicorn in 2021 &#8211; a testament to AAIC’s discerning eye for investment opportunities. From a startup offering affordable care to underinsured blue-collar workers to another providing an AI-assisted teleradiology platform, the Japanese investment firm supports diverse companies striving to change the medical industry across the continent. “One of our biggest milestones last year was reaching a cumulative total of US$40 million for our African Innovation Healthcare Fund (AHF2),” says Hiroki Ishida, Managing Director of AAIC Partners Africa (Kenya). The firm raised funds from Japanese institutions, such as the state-owned Development Bank of Japan, which began exploring opportunities in Africa following their focus on the Asian market. “One of our newest investors is Hokkoku, a regional bank in Japan that, with AAIC’s support, has opened its first office in Kenya among Japanese commercial banks. They have already begun providing cross-border loans,” notes Ishida, emphasizing that AAIC actively seeks strategic partnerships with investors from Japan and beyond.&nbsp;



Kenya’s healthcare sector has changed in the past few years. “MYDAWA is one of our oldest portfolio companies. It was an e-commerce firm focused on pharmaceuticals, selling prescription drugs online and delivering them to people’s homes within three hours in Nairobi. Now, they have opened a call center, providing telemedicine services eliminating the need for people to go to hospitals,” says Ishida, while mentioning that MYDAWA has expanded its geographical reach and acquired the Guardian Health Pharmacy in Uganda, one of the largest pharmacies in the country with over 20 branches.&nbsp;



The Managing Director reflects on the evolving landscape of healthcare services in Africa, pointing to consumers’ demand for comprehensive solutions. This has resulted in companies recognizing the need to offer a holistic range of services, from consultation to treatment and aftercare. This shift departs from traditional partnerships, as businesses increasingly integrate diverse offerings under a single umbrella. In alignment with this evolving landscape, the firm’s 2025 plan prioritizes the consolidation of services provided by the start-ups it supports. “We’re exploring opportunities for our companies to consolidate their services and form strategic partnerships within specific areas or regions. This will enhance the patient journey, facilitate increased revenue generation, and attract more investors,” notes Ishida. &nbsp;



Technological advancements and digitalization have paved the way for a paradigm shift in the insurance industry. Traditional insurance companies often grapple with the high costs associated with a human-centric sales model. In contrast, the innovative companies that AAIC supports leverage digital platforms to streamline operations and target middle-and lower-income households, offering more affordable and accessible insurance solutions. “We have strategically invested in BIMA, a company operating in Ghana and Tanzania that provides more affordable medical insurance, priced at an average of two to three dollars per month, along with telemedicine services. This will expand access to healthcare for a wider segment of the population,” Ishida says, mentioning that while some patients may require hospital visits for further diagnosis or consultation, 70-80% of cases can be effectively addressed through telemedicine consultations. &nbsp;



AAIC Investment, with its deep understanding of the African landscape, recognizes the untapped potential for Japanese involvement in the region. “We have a deep understanding of the healthcare sector in Africa. We have offices in Kenya, Nigeria, South Africa, and Egypt. We share our knowledge and experience in the sector with investors and provide them options to partner with our portfolio companies,” says Ishida. Through its fund, the company aims to maximize returns for its investors while introducing innovative Japanese technologies and expertise to the continent. By supporting partnerships between AAIC’s portfolio companies and Japanese businesses and deepening the engagement between the two nations, AAIC is paving the way for a mutually beneficial partnership that will shape the future of healthcare in Africa.&nbsp;&nbsp;

Hiroki Ishida, Managing Director of AAIC Parnters Africa (Kenya)

Building a Strong Healthcare Industry Across Africa 

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Kenya exemplifies how natural resources, innovation, and community-driven efforts can converge to create a sustainable, resilient, and globally impactful future.&nbsp;&nbsp;



Kenya is a prime example of how a country may use its abundant natural and human resources to create a sustainable, innovative, and prosperous future. Kenya has a key role in Africa’s transition because its strategic location as an East African center combines a solid economic base with a dedication to global sustainability goals.&nbsp;



One of the pillars of Kenya’s sustainability initiatives is its leadership in renewable energy. Kenya is at the forefront of geothermal, wind, and solar energy, generating more than 90% of its power from renewable sources. Two notable accomplishments that highlight the country’s aspirations are the Olkaria Geothermal Plant and the Lake Turkana Wind Power Project.&nbsp;&nbsp;



“The issue of greenhouse gases remains critical,&nbsp; and Kenya’s focus on geothermal development is a forward-thinking solution,” says Ezekiel Macharia, Managing Director of Kenbright. “Our efforts to de-risk geothermal energy projects have been instrumental&nbsp; in promoting sustainability and reducing dependency&nbsp; on carbon-intensive energy sources.” These programs are crucial for halting climate change, guaranteeing energy independence, and giving sectors like technology and agriculture a sustainable foundation.&nbsp;



Kenya’s real estate market is changing quickly, adopting sustainable designs and green building techniques. Eco-friendly concepts are being included in urban development, improving resource conservation and energy efficiency. Michael Aldridge, CEO of Kofisi, highlights how shared workspaces contribute to sustainability: “Shared workspaces reduce the need for new construction, extending the economic life of existing buildings. They are inherently sustainable and help businesses embrace greener practices.” This pattern reflects a larger dedication to striking a balance between ecological preservation and development, which has been a defining feature of Kenya’s recent history.&nbsp;



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&#8220;Kenya’s strategic location and its robust trade agreements make it an ideal launchpad for businesses seeking to scale across Africa.” Ezekiel Macharia, Managing Director of Kenbright&nbsp;&nbsp;
</blockquote>



Kenya’s economy still depends heavily on agriculture, which is changing due to sustainability and technology. Climate-smart agriculture and regenerative farming methods are improving production while lessening their negative effects on the environment. Startups in Kenya are using technology to guarantee food security and encourage resource efficiency.&nbsp;&nbsp;



These innovative practices position Kenya as a leader in sustainable agricultural solutions, capable of addressing both local and global challenges in food production. &nbsp;



Kenya’s healthcare landscape is another testament to its adaptability and forward-thinking approach. Hiroki Ishida, Director of AAIC, points to advancements in digital healthcare: “Kenya is making strides with telemedicine and affordable medical insurance. Innovations like these are reshaping access to healthcare, making services more accessible and scalable.” &nbsp;



One of Kenya’s most valuable resources is its biodiversity, which the country has embraced via community-driven conservation efforts. Initiatives like those in the Maasai Mara conservancies show how local people may take the lead in attempting to strike a balance between ecological preservation and economic growth. In addition to protecting wildlife, these programs encourage eco-friendly travel, which boosts Kenya’s economy and serves as an example for other countries. &nbsp;



Kenya’s stability, skilled workforce, and infrastructure make it a prime destination for global investors. As Macharia says, “Kenya’s strategic position within Africa, coupled with trade agreements like the African Continental Free Trade Area, allows businesses here to reach markets across the continent with ease.”&nbsp;



Additionally, Kenya’s robust internet infrastructure and reputation as a transport hub provide a seamless environment for global operations. Ishida says, “Kenya’s healthcare and tech ecosystems are evolving rapidly, offering tremendous opportunities for both innovation and impact.”&nbsp;



Kenya is a center of innovation, sustainability, and advancement more than just a geographic center. The country is a comprehensive example of sustainable development because of its dedication to renewable energy, creative approaches to healthcare and agriculture, and community-led conservation initiatives.&nbsp;



As the world grapples with climate change and resource constraints, Kenya offers a blueprint for a sustainable and inclusive future. “Kenya embodies the essence of resilience and opportunity,” Aldridge says. This spirit, combined with strategic vision, positions Kenya as a leader not just in Africa, but on the global stage.&nbsp;



For investors, innovators, and environmentalists alike, Kenya represents a destination where ambition meets possibility—a beacon for the Africa of tomorrow.&nbsp;&nbsp;

Ezekiel Macharia, Chief Actuary and Managing Director of Kenbright

Shaping Tomorrow Through Visionary Leadership and Global Collaboration 

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AMG Realtors delivers affordable land ownership solutions, fostering economic growth in Kenya while supporting community development through education initiatives and international investment opportunities. 



AMG Realtors has established itself as a leader in Kenya’s real estate market, contributing significantly to the country’s economic growth and community development. Under Director Andrew Muthee Gitau’s leadership, the company has continued to grow its influence both locally and internationally, with a focus on making real estate accessible to all while giving back to society. According to Gitau, AMG Realtors is committed to providing “a one-stop solution for all real estate needs in Kenya,” assisting individuals in securing their future through affordable land ownership. 



  Real estate is a critical component of Kenya’s economy, and AMG Realtors has played a significant role in its expansion. According to the Kenya National Bureau of Statistics, the real estate business generated 10.3% of the country’s GDP in 2023. “AMG Realtors has been at the forefront of facilitating land ownership, which is critical for wealth creation and job growth in Kenya,” Gitau says. The company is aligned with the country’s initiatives that have resulted in the creation of about 200,000 direct and indirect jobs, greatly increasing the nation’s employment rates. 



<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="1024" height="700" src="https://cms.forbesafrica.com/wp-content/uploads/2025/02/Agnes-Waruguru-Njaaga-Co-Director-of-Amg-Realtors-1024x700.jpg" alt="" class="wp-image-64539" srcset="https://cms.forbesafrica.com/wp-content/uploads/2025/02/Agnes-Waruguru-Njaaga-Co-Director-of-Amg-Realtors-1024x700.jpg 1024w, https://cms.forbesafrica.com/wp-content/uploads/2025/02/Agnes-Waruguru-Njaaga-Co-Director-of-Amg-Realtors-300x205.jpg 300w, https://cms.forbesafrica.com/wp-content/uploads/2025/02/Agnes-Waruguru-Njaaga-Co-Director-of-Amg-Realtors-768x525.jpg 768w, https://cms.forbesafrica.com/wp-content/uploads/2025/02/Agnes-Waruguru-Njaaga-Co-Director-of-Amg-Realtors-1536x1049.jpg 1536w, https://cms.forbesafrica.com/wp-content/uploads/2025/02/Agnes-Waruguru-Njaaga-Co-Director-of-Amg-Realtors.jpg 1575w" sizes="auto, (max-width: 1024px) 100vw, 1024px" /><figcaption class="wp-element-caption">Agnes Waruguru Njaaga-Co-Director of Amg Realtors</figcaption></figure>



AMG Realtors supports people and companies to invest in real estate by offering cheap land alternatives, hence promoting infrastructure development and strengthening local economies. Gitau underlines that “securing land ownership is a key driver of wealth creation,” citing research that demonstrates that a 10% increase in land ownership leads to a 2% rise in family wealth in Kenya. 



&nbsp;The vision of AMG Realtors extends beyond Kenya’s borders. The company’s recent venture into the American market with its Texas-based project, ‘Kenya One,’ exemplifies its ambition to offer diverse real estate investment opportunities. According to Gitau, this expansion is primarily aimed at “connecting with the Kenyan diaspora” and providing a secure investment platform.&nbsp;



Texas, with its thriving economy, is a good location for real estate investments. “The state’s population is growing by 1.5% annually, and its US$2 trillion GDP makes it the 9th largest economy in the world,” Gitau says. With a 20% real estate appreciation rate between 2021 and 2023, Texas offers tremendous prospects for first-time homeowners, growing families, and retirees.&nbsp;&nbsp;



One of AMG Realtors’ unique characteristics is its dedication to social responsibility, particularly through the AMG Foundation. The effort includes the recent establishment of the Kibera Library in one of Africa’s largest informal settlements, where 800 people have already received educational materials in less than a month. “Our libraries are equipped with books approved by the Ministry of Education, offering free access to knowledge for both children and adults,” Gitau says.&nbsp;



The AMG Foundation’s initiatives extend beyond simply delivering books. Beneficiaries benefit from utilities such as power and internet access, allowing them to continue their studies and research without interruption. Gitau underlines the importance of these programs, saying that “education is the foundation of any thriving community, and by empowering communities through knowledge, we aim to inspire the next generation of leaders.”&nbsp;&nbsp;



Moreover, AMG Realtors actively encourages its clients and partners to contribute to these community-building efforts. In September 2024, a percentage of the revenue from each piece of land acquired went towards the expansion of these libraries. “For every US$1,000 invested, 12 books are added to the shelves, and for every US$5,000, a computer is provided,” Gitau says, demonstrating the company’s novel strategy of combining real estate investments with social good.&nbsp;



Under the Affordable Housing Programme, Kenya’s government aims to develop 250,000 low-cost housing units annually. AMG Realtors is aligned with this vision, offering affordable land in areas designated for housing projects. “We collaborate with developers and the government to make homeownership accessible to a larger portion of the population,” Gitau says.&nbsp;



&nbsp; AMG Realtors has undergone significant corporatization, marked by strategic leadership changes enhancing service delivery and governance. Andrew Muthee Gitau transitioned from CEO to Executive Director as of January 2024. This shift has enabled him to focus on broader strategic goals while a newly inducted five-member board has been established to strengthen corporate governance and steer the company toward sustainable growth.&nbsp;

Leading Kenya’s Real Estate Market with Vision and Purpose  

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Revolutionizing Kenya’s ICT sector to enhance digital connectivity and progress. &nbsp;



Kenya’s ICT sector has grown dramatically over the last few decades, and TESPOK (Technology Service Providers of Kenya) has been at the forefront of this revolution. Under Fiona Asonga’s leadership, TESPOK continues to drive technological advancements, infrastructure development, and policy advocacy, establishing Kenya as a key player in the African technology space.&nbsp;



Since its inception in 1999, TESPOK has made significant contributions to Kenya’s ICT sector. The organization was founded during the liberalization of Kenya’s telecommunications market and has grown significantly, from four founding members to over 150 corporate members. TESPOK’s mission has always been to create an environment that encourages technological growth, and this has served as its guiding principle throughout its history.&nbsp;



One of TESPOK’s most notable achievements has been the successful management of the Kenya Internet Exchange Point (KIXP). According to Asonga, the KIXP enables seamless interconnections between large and small service providers, ensuring fast, dependable, and cost-effective internet access throughout the region. This critical infrastructure enables international technology companies to collaborate with local providers, improving connectivity and ensuring high-quality internet service for Kenyans.&nbsp;



In addition to its role in connectivity, TESPOK has taken the lead in cybersecurity by establishing an early warning system that allows service providers to be proactive in addressing cyber threats. “We have an early warning system that sees potential cyber attacks before they happen, allowing service providers to prepare,” says Asonga. This system has enabled TESPOK members to maintain network security and reduce the impact of cyberattacks on Kenya’s ICT infrastructure.&nbsp;



Over the years, TESPOK has influenced major policy decisions, helping to shape Kenya’s ICT regulations. “The ability to influence policy has been one of our greatest strengths, and it continues to be central to our work,” says Asonga.&nbsp;



TESPOK’s policy work includes efforts to review existing legislation and advocate for regulatory reform. As Kenya’s technology sector evolves, policies must be adjusted to meet the demands of modern technology, particularly as new players enter the market, such as Starlink. TESPOK has led these discussions to ensure that all stakeholders in the ICT ecosystem, including satellite and fiber service providers, can coexist and thrive.&nbsp;&nbsp;

Fiona Asonga, CEO of TESPOK

Pioneering ICT Growth Through Policy and Security 

A leading provider of bespoke, hospitality-led office environments across Africa, KOFISI’s award-winning spaces have enabled expansion into four regions of the continent.



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“Our focus has always been on creating workspaces that go beyond the norm— spaces where productivity and hospitality intersect in meaningful ways.” Michael Aldridge, CEO of KOFISI&nbsp;



In a constantly changing corporate landscape, KOFISI has emerged as a market leader in Africa’s serviced office space industry – opening two new locations in 2024/2025 and expanding the footprints of its existing eight centers across the continent. The provider’s emphasis on hospitality-driven office settings, cutting-edge technologies, and sustainability has established a new standard for workplace experiences across Africa. KOFISI is driving the conversation and creating workplaces of the future with innovative spaces that go beyond providing office space.&nbsp;&nbsp;



2024 has been a transformative year for KOFISI, with an impressive 40% growth through the expansion of existing centers in Kenya, Nigeria, and Tanzania and the opening of new territories. Aldridge explains, “We’ve continued to grow organically. Nearly all of our centers have increased in size, which is a clear indicator of the growing demand for sophisticated serviced office environments.” This growth speaks to the global trend for flexible office space, as companies move away from traditional independent office spaces


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<figure class="aligncenter size-large is-resized"><img loading="lazy" decoding="async" width="1024" height="615" src="https://cms.forbesafrica.com/wp-content/uploads/2025/01/Michael-Aldridge-CEO-of-Kofisi-1024x615.jpg" alt="" class="wp-image-64494" style="width:734px;height:auto" srcset="https://cms.forbesafrica.com/wp-content/uploads/2025/01/Michael-Aldridge-CEO-of-Kofisi-1024x615.jpg 1024w, https://cms.forbesafrica.com/wp-content/uploads/2025/01/Michael-Aldridge-CEO-of-Kofisi-300x180.jpg 300w, https://cms.forbesafrica.com/wp-content/uploads/2025/01/Michael-Aldridge-CEO-of-Kofisi-768x461.jpg 768w, https://cms.forbesafrica.com/wp-content/uploads/2025/01/Michael-Aldridge-CEO-of-Kofisi-1536x923.jpg 1536w, https://cms.forbesafrica.com/wp-content/uploads/2025/01/Michael-Aldridge-CEO-of-Kofisi-2048x1231.jpg 2048w" sizes="auto, (max-width: 1024px) 100vw, 1024px" /><figcaption class="wp-element-caption">Michael Aldridge, CEO of Kofisi</figcaption></figure></div>


The company’s dedication to quality design and five-star service earned significant recognition this year. KOFISI Square was the regional winner of the prestigious SBID International Design Award 2024 and was voted Africa’s Best Shared Workspace Provider. Additionally, Aldridge was the runner-up for Top Africa Property CEO at the API Summit in September.



Aldridge announced two major projects for 2024: a 40,000 sq ft office facility in Morocco and a 60,000 sq ft center in Rwanda. These initiatives are part of a larger effort to address the growing demand for serviced office spaces in major African markets. KOFISI is also looking at opportunities in Ghana, Egypt, and Ethiopia, demonstrating its commitment to growing its presence across the continent.



A strategic partnership with South Africa-based Workshop17 has created Africa’s largest private network of office spaces, spanning 600,000 sq ft across 22 locations. According to Aldridge, “This partnership is a game changer, not just for KOFISI but for the entire serviced office sector across Africa. It allows us to offer even more product evolution and greater access to our clients.”



Aldridge described the company’s unique approach, explaining that KOFISI champions the concept of the “hotelification” of the workplace. “At KOFISI we believe the modern workspace should offer more than just an office. We’ve always focused on hospitality and customized environments to create a more compelling and productive reason to come to work,” he says.



This hospitality-first approach sets KOFISI apart from competitors and has been well-received by clients.



Looking to 2025, KOFISI has laid out plans for further expansion. “From 2025, we plan to open four new locations each year, each around 80,000 sq ft. We have a pipeline of eight locations that we’re actively discussing in both new and existing cities,” Aldridge says. This expansion will be supported by a Series B capital raise of US$35 million, which the company expects to close by early 2025.



Sustainability is a core value for KOFISI, and the company has made noteworthy efforts towards its ESG targets. “We’ve made significant strides in areas like reducing single-use plastics—our kitchens are now 92% sustainable, reducing food wastage and minimizing single-use plastics,” Aldridge says. KOFISI plans to launch a recycling program in 2025 as well as a hospitality academy to equip people with industry-relevant skills, improving employability and reducing unemployment.



Additionally, the partnership with Workshop17 will create Africa’s largest private gallery of African art within shared office spaces. Aldridge is proud of this initiative and says, “With 600,000 sq ft of office space, we’re supporting African artists and showcasing their work. This is something we’re excited about, as it not only beautifies our spaces but also contributes to cultural sustainability.”



While KOFISI moves across Africa, its roots in Kenya remain strong. Aldridge highlighted the country’s evolving business environment, noting a shift in client demand in 2024. “Companies are still expanding, but they’re doing so in a more consolidated manner,” he says.



With KOFISI’s customizable, service-driven environments, Aldridge is confident that the company is well-positioned to help businesses grow.
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KOFISI Space 1

Shared Workplace Provider Grows Amid Demand for Quality Environments 

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The African Union (AU) has long championed a borderless Africa to increase the movement of African citizens and support economic growth across the continent. This vision is shared by many like-minded leaders, reflected in the swathe of visa-policy changes over the last 12 months. However, defining and implementing borderless policy interventions presents many challenges and contradictions.&nbsp;



Advocates of digital solutions such as eVisas and Electronic Travel Authorizations (ETA) highlight the powerful combination of convenience for travelers and enhanced security screening. Twenty-six African countries offer eVisas to African travelers today, a huge improvement from previous years. Following in the footsteps of the U.K., Canada, and the U.S., more countries, like the Seychelles and Kenya, have embraced next-generation ETAs, offering visa-free entry for all travelers.&nbsp;&nbsp;



For African travelers, these digital systems offer a seamless online experience, ensuring that individuals do not encounter any issues at the border. ETAs are proven to enhance security screening while simultaneously facilitating seamless travel &#8211; driving an 84% decrease in queuing times at Seychelles International Airport and an 80% reduction in processing times in Kenya. &nbsp;



The challenge underlining the AU’s position is staunch opposition to any pre-travel screening, championing the principle that travel for African nationals should not require pre-authorization. While eradicating visa requirements would remove much friction for these travelers, this approach often fails to account for valid security concerns that necessitate advanced screening. &nbsp;



Digitalizing immigration processes gives travelers a faster, cost-effective, and convenient experience &#8211; eliminating burdensome paperwork and expensive travel to embassies. International best practice dictates that border control processes are moved upstream and completed before travel so authorities can have advance notice of who plans to travel. With more time, authorities can better risk-assess travelers and plan interventions if someone is perceived as a threat. &nbsp;



A seamless border should not compromise security in favor of the traveler experience, but the elimination of visas in the name of openness risks exactly that. By introducing an eVisa or ETA, governments can reap the benefits of advance screening and make travel more affordable, secure, and accessible to visitors. The time is now for a paradigm shift in favor of digital systems to deliver the future of travel, today.&nbsp;&nbsp;

e5fa0639-394d-4c29-b26f-f55b355d99cf

Towards a Visa-Free Africa: Misleading statement or bold ambition?   

Through a comprehensive approach that includes regulatory overhaul, grassroots support to its citizens, infrastructure expansion, and strategic partnerships with the private sector, Nigeria is recalibrating the use of its vast natural gas reserves.



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“Nigeria’s motorists can buy petrol at N1,000 per liter or equivalent gas per Standard Cubic Meter at N200,” says H.E. Bola Ahmed Tinubu, President of The Federal Republic of Nigeria.
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Beneath Africa’s soil, a natural gas reserve of over 800 trillion cubic feet can be found, from North Africa’s deserts to the verdant plains of the sub-Saharan region. Nigeria holds the largest reserve of this resource with a sheer volume of approximately 280 trillion cubic feet, ranking ninth globally and making it one of the few nations in the world that have the potential to drive the global shift from coal and oil to cleaner energy.



The West African country is now tapping into its natural gas reserve, 76% of which remains undeveloped, to promote economic growth, energy security, and global competitiveness.



In 2023, President Bola Ahmed Tinubu’s administration introduced the Presidential Compressed Natural Gas Initiative (Pi-CNG) to drive CNG adoption and ease Nigeria into a cleaner energy era. The initiative converts cars to be able to run on CNG with conversion discounts for e-hailing drivers and the deployment of bi-fuel buses and CNG tricycles.



Over US$200 million has already been invested across the value chain of the scheme since its launch. In its drive to boost a gas-powered economy, the federal government has hosted the first-ever CNG Stakeholders and Investors’ Forum with a target to achieve conversions of one million vehicles to gas by 2027.


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The Nigerian Independent Petroleum Company (NIPCO) supports the initiative through its ‘Switch to CNG’ campaign, driving a nationwide impact into transitioning to natural gas. A game changer for the country’s economy, the introduction of natural gas is already easing the financial burden of fuel prices on Nigerians.



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An increasing emphasis on private sector-led endeavors characterizes the president’s approach to maximizing Nigeria’s gas potential.
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“Nigeria’s motorists can buy petrol at N1,000 per liter or equivalent gas per Standard Cubic Meter at N200,” says H.E. Bola Ahmed Tinubu, President of The Federal Republic of Nigeria.



“Our administration’s Presidential Initiative on CNG Initiative is a flagship program by which we are actively supporting a private-sector-led rollout of critical gas infrastructure to drive innovation and industrialization in Nigeria.”



The president’s CNG initiative aims to create 25,000 jobs and attract $2.5 billion in investment by 2027. Increasing domestic market growth, the nation’s transition to CNG will reduce dependence on imported refined petroleum products.



Another initiative by the federal government is the Ride Share Compressed Natural Gas (CNG) Conversion Incentive Program which aims to provide accessible and affordable transportation for Nigerians. Simultaneously, the Nigerian National Petroleum Company Ltd has commissioned 12 Compressed Natural Gas stations in Abuja and Lagos to reduce transportation costs for Nigerians.



“We know that transportation is responsible for about 14-15% of what an average family spends,” notes Michael Oluwagbemi, Project Director and CEO of the Presidential CNG Initiative.



“CNG for the rideshare industry will mean our young people going to work, school, church, and mosque will be able to afford transportation. CNG is not just a revolution; it is about looking inward for the first time in a long time to use [natural] resources.”



Nigerians seeking credit to convert their cars or build solar systems to power their homes can apply for credit at the Nigerian Consumer Credit Corporation (CREDICORP), which has introduced the Credit Access for Light and Mobility (CALM) Fund.


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<figure class="aligncenter size-full is-resized"><img loading="lazy" decoding="async" width="957" height="598" src="https://cms.forbesafrica.com/wp-content/uploads/2024/12/CNG-vehicle-957x598-1.jpg" alt="" class="wp-image-63887" style="width:662px;height:auto" srcset="https://cms.forbesafrica.com/wp-content/uploads/2024/12/CNG-vehicle-957x598-1.jpg 957w, https://cms.forbesafrica.com/wp-content/uploads/2024/12/CNG-vehicle-957x598-1-300x187.jpg 300w, https://cms.forbesafrica.com/wp-content/uploads/2024/12/CNG-vehicle-957x598-1-768x480.jpg 768w" sizes="auto, (max-width: 957px) 100vw, 957px" /></figure></div>


Providing the foundational structure and guidelines to plan and implement natural gas projects, Tinbu’s administration has launched policy directives that focus on the monetization of Nigeria’s gas resources and the timely execution of projects. The directive aims to compress project contracting cycles from 36 months, at present, to less than six months, increasing the efficient delivery of gas-related projects.



“Nigeria’s gas deposit translates to over US$800 billion and when this is fully harnessed, it will impact our economy directly. We have only accessed a paltry 1.7%, and this shows we are still yet to fully take advantage of this sector,” says Hon. Obongemem Ekperikpe Ekpo, Minister of State for Petroleum Resources (Gas).



An increasing emphasis on private sector-led endeavors characterizes the president’s approach to maximizing Nigeria’s gas potential.



“The president strongly believes that private sector-led growth enabled by clear and inclusive government policies is the most enduring path to prosperity for all Nigerians,” says Olu Verheijen, Special Advisor to the President on Energy.



“We will sustain our engagements and collaboration with key investors to ensure we attract not only capital but also the capabilities this sector requires to catalyze job creation, productivity, and income growth across multiple sectors.”



The government’s fiscal incentives to deepen Compressed Natural Gas (CNG) and Liquified Petroleum Gas (LPG) penetration are designed to ease the impact of the removal of fuel subsidies on transportation costs and enable the removal of petroleum and diesel. It also aims to contribute to stabilizing the price of cooking gas in the market and support the transition to clean cooking.



Nigeria’s transition to natural gas is complemented by the government’s focus on improving the nation’s energy infrastructure. The Ajaokuta–Kaduna–Kano (AKK) gas pipeline project, one of these key infrastructure projects worth $2.8 billion, transports natural gas from the southern to the central part of Nigeria.



Natural gas creates multifaceted economic opportunities in Nigeria from supporting gas-fired thermal power plants as the primary fuel for the nation’s electricity generation to supporting industrial growth and improving the living standards of Nigerians. Natural gas also serves as feedstock for industries, especially in petrochemicals, fertilizers, and methanol production, while boosting manufacturing and agro-industries through affordable energy and feedstock.



Beyond its large reserves, Nigeria boasts a strategic export capacity to diversify foreign exchange earnings from natural gas. The nation’s gas exports surpassed 29 billion standard cubic meters in 2023, while the country earned N1.677 trillion in the first quarter of 2024 with natural gas exported to Spain, France, and Belgium.



Emitting less carbon dioxide and other pollutants, natural gas is considered a cleaner fossil fuel and serves a larger purpose of protecting the environment.



“In a world where the environment is crying out for help, where climate change is an undeniable reality, our decision to adopt CNG technology is not just commendable; it is essential,” remarked Zacch Adedeji, Chairman of the Presidential CNG Initiative Steering Committee, adding that in the next three to five years, Nigeria would be saving US$3 million to US$5 billion that the country was spending on Premium Motor Spirit (PMS).



As a signatory of the World Bank’s Global Gas Flare Reduction Partnership principles for global flare-out by 2030 and a country that has ratified the Paris Climate Change Agreement, Nigeria has vowed to remove all flares by 2025 to reduce environmental damage.



Being more efficient and economical, the use of natural gas is supporting large corporations reduce their energy costs.



“Nigerians should see the big picture on the CNG rollout that this is about the future of our children and our country. It’s about making efficient use of the resources that we have, and increasing our energy competitiveness,” notes Toyin Subair, Special Assistant on Special Duties and Domestic Affairs.



“The top ten largest companies in Nigeria don’t use petrol and diesel. They use gas which is why they are making significant profits.”



Nigeria’s vast reserves of natural gas are the cauldron in which its industrial future is being sculpted, shaping a nation ready to lead Africa’s energy transformation.

Leading Image – President Tinubu 30 CNG buses

Nigeria Unleashed: An Emerging Energy Powerhouse

As Lesotho celebrates the 200th anniversary of its founding, it presents investors with a stable, growing market rich in opportunities across tourism, agriculture, and renewable energy, backed by improved infrastructure and investor-friendly policies.  



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“The Bicentennial is a moment of national pride and reflection, celebrating the resilience of the Basotho people. We are commemorating it by investing in heritage and cultural projects that showcase our rich history.” H.E. Sam Matekane, Prime Minister of Lesotho 
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In 1824, King Moshoeshoe I laid the first stones of what would become Lesotho, a nation forged from his vision of unity and strength, where valleys and peaks became both home and refuge for the Basotho people. Now, two centuries on, the bicentennial is a solemn, vital pause—a chance to trace the long path they have walked, a path carved through resilience, wisdom, and an unbroken commitment to sovereignty.&nbsp;&nbsp;



As the “water tower” of Southern Africa, Lesotho holds the unique potential to become a Hydro Nation, with&nbsp; rivers flowing from its highlands offering an immense source of&nbsp; renewable energy. “Lesotho is in a position to establish a sustainable renewable energy and water economy,” says His Majesty King Letsie III of the Kingdom of Lesotho. “Our priority is to satisfy the deficit in our domestic energy demand and to export clean energy and high-quality water to the region. Our goal to fully meet the commitment of the Paris Accord well in advance of 2050 will be attained with the potential of Lesotho being among the first countries in Africa to be a fully carbon neutral electricity generator.”&nbsp;&nbsp;



The country has abundant highland water resources that feed major rivers like the Orange River. The Lesotho Highlands Water Project (LHWP), one of Af rica’s largest inf rastructure undertakings, exports vast amounts of water to South Africa, generating significant revenue for Lesotho while powering the nation’s hydroelectric energy production. “Lesotho has a competitive advantage of having an abundance of water because of the altitude of our location. There is a very high rainfall in the mountains. We also have wetlands, which we refer to as our natural dams,” says Tente Tente, CEO of the Lesotho Highlands Development Authority.&nbsp;&nbsp;&nbsp;



Beyond its abundant water resources, the Southern African nation is known for its rich mineral deposits. “A 145-carat diamond is one of the nine large diamonds we discovered this year. The value of such a diamond can reach up to $40 million,” notes Motooane Thinyane, CEO of Letšeng Diamonds. Beyond diamonds, Lesotho holds untapped potential for other mineral resources, including clays, limestone, and coal, signaling opportunities for diversified mineral exploitation that could further support the nation’s economy.&nbsp;&nbsp;



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The nation has made remarkable progress in inf rastructure, with improved roads and communication networks that enhance connectivity and support economic activities. “We are upgrading our existing road network from 10,000 to over 15,000 kilometers, while changing our existing gravel roads to asphalt roads. On the aviation side, we’ve got an international airport which we plan to strategically grow from servicing flights between Lesotho and South Africa to feeding into a regional hub,” notes Hon. Neo Matjato Moteane, Minister of Public Works and Transport. In education, investments have fostered a more skilled workforce, while advancements in healthcare have strengthened the well-being of the population.&nbsp;&nbsp;



The monarchy of Lesotho plays a pivotal role in shaping the nation’s identity and governance, with King Letsie III serving as a symbol of continuity and unity. Complementing the monarchy is the Prime Minister, who guides the government and implements policies aimed at enhancing population welfare and economic growth with a robust financial sector. “Lesotho has a very strong financial sector in terms of balance sheets. We don’t have banks that can go under tomorrow. The regulator is very close to the banks, and banks are well capitalized and the liquidity is good,” notes Nkau Matete, Managing Director of Nedbank.&nbsp;&nbsp;



Investors should consider Lesotho for its strategic location within southern Af rica, granting easy access to the Southern Af rican Development Community market, while offering a politically stable environment that supports foreign direct investment. “Our tax regime, compared to our neighbors like South Africa, is much better because it’s 10% for manufacturing and 25% for normal tax. Investors can engage in setting up infrastructure for the tourism sector, such as resorts and high-altitude training centers for athletes,” says Hon. Mohlomi Moleko, Minister of Natural Resources. As it looks ahead, Lesotho stands at a crucial moment in its history, ready to embrace a future filled with promise while honoring the richness of its past.&nbsp;&nbsp;

LESOTHO COVER (1)

Lesotho: The Water Tower of Southern Africa 

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“We must all act in harmony to move our country forward and achieve the much-needed economic transformation. Indeed, our best years as a nation are truly within our reach. The will, courage, energy and faith we garner for our transformation will secure us the success we all desire to achieve,” says H.E. Hakainde Hichilema, President of Zambia.
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On October 24, 2024, Zambia celebrates its diamond jubilee in honor of its independence, under the theme, 60 Years Strong: Honouring Our Heritage, Embracing the Future.



As a large, landlocked country with an estimated population of about 21 million people in 2024, as per Worldometer, from 72 ethnic groups, Zambia is steeped in history dating back to the African Stone Age. This while standing proud as one of Africa’s most stable countries with consistently peaceful transitions of power.



Sharing borders with eight countries, namely Angola, Botswana, Democratic Republic of the Congo, Malawi, Mozambique, Namibia, Tanzania, and Zimbabwe, Zambia is also the continent’s biggest copper producer as well as one of the world’s richest countries in terms of natural resources.



The US$259 million Kazungula Bridge, a road and rail bridge over the Zambezi River linking Zambia and Botswana, was inaugurated in May 2021. The bridge has boosted trade and tourism in Southern Africa and provided cross-border cooperation and the regional infrastructure development needed in order to facilitate intra-African trade in the Southern African Development Community (SADC).



On August 24, 2021, H.E. Hakainde Hichilema, described as a businessman, farmer and politician, was sworn in as Zambia’s new president, giving rise to a new dawn for the country and a vision of economic transformation.



He also unveiled the new Green Economy and Environment ministry, emphasizing his administration’s commitment to the mitigation of climate change in the country, continent and the world.



In March 2022, a giant wind-solar hybrid plant was announced which has seen developer and energy group, Chariot build a 430MW project to power copper and gold extraction mining operations.



Zambia is ensuring it is tackling climate change at an institutional level while diversifying its economy and scaling up community-led projects. In 2023, the president approved plans related to the construction of a 71-megawatt hybrid renewable energy project in the Chibombo district.



The 2024 budget has allocated substantial resources to agriculture to bolster initiatives such as irrigation development, fertilizer subsidies, and research and development.



One of Africa’s fastest-growing economies, Zambia’s economy is projected to grow at 4.5% in 2024 aided by strategic interventions in agriculture, tourism, mining, manufacturing, energy and transport sectors while the focus on the rehabilitation and upgrading of existing roads will open and secure further trade corridors with neighboring countries.



Zambia’s dedication to promoting a favorable business environment has saw it score 67 points in the ease of doing business index in 2020, ranking it among the top 10 African economies according to the Doing Business 2020 report published by the World Bank Group.



The country is projecting itself to become a business haven for the continent’s start-ups, with the government’s commitment to building Zambia and helping it to become a technologically-driven economy and business hub.



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Zambia leading image – Victoria-Falls-amazing-view

Zambia: Driving Change And Connection

Boasting an abundance of natural resources, a young workforce, a growing middle class, and a government-incentivized investment climate, Ghana is positioned as a premier investment destination in Africa. 



For generations, Ghana’s mineral wealth flowed outward, with a stream of gold, manganese, and bauxite feeding the industries of countries all across the globe. In recent years, however, the nation’s mineral resource stewardship has taken a novel shift, with a focus on adding value to its raw natural resources before they reach the global market. The establishment of a 400kg-capacity gold refinery through a public-private partnership in 2024 and the planned construction of a US$450 million manganese refinery this year, marks a bold stride towards this commitment. 



The latter is expected to raise Ghana’s revenue from manganese from the current 27% to nearly 40%, while creating 400,000 jobs for the youth. Large-scale salt mining is another positive development in the country’s economy. “We have a salt mine that is slated to become the biggest salt-producing facility in Africa. We are expanding its capacity from 650,000 metric tons of salt per annum to one million metric tons this year and to two million metric tons by 2027,” says Daniel McKorley, Executive Chairman of McDan Group. With increased demand for renewable energy sources, Ghana’s possession of copper and rare earth elements will also propel the nation to the forefront of the green mining revolution. 



Eliminating tariffs on most traded goods and encouraging regional value chains, the advent of the African Continental Free Trade Area (AfCFTA) has the potential to impact Ghana’s mining industry and other sectors. Ghanaian businesses will benefit from increased market access through the initiative, which will create a market of over 1.2 billion people and a combined GDP of US$3.4 trillion. As the designated host of the AfCFTA organization that will oversee the implementation of the agreement, Ghana plays a prominent leadership role in the initiative, one that is amplified by its strategic location within Africa. “Ghana is centrally located in Africa. It serves as a significant conduit for exports for a number of landlocked countries,” says Sam Aidoo, Executive Director of GCB Bank.  



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As one of the top recipients of foreign direct investment in West Africa, Ghana focuses on continuously improving investors’ experiences by streamlining bureaucratic procedures and offering tax incentives. Julie Essiam, Commissioner General of the Ghana Revenue Authority, says, “Ghana offers a welcoming environment for investors through several key structures. There are temporary taxation arrangements. Foreign investors can benefit from a tax rebate program offering around 5%. Manufacturers located in special economic zones such as the Accra-Tema zone enjoy significant tax breaks, with rates around 25%.” In 2019, Ghana conducted a year-long program dubbed ‘The Year of Return’ that focused on providing investment opportunities to welcome back the diaspora, boosting tourism, and attracting investment. “We have made great efforts to mobilize diaspora investment. Diaspora investors are seen as a source of stable capital, less likely to repatriate funds during periods of economic volatility,” says Alex Dadey, Executive Chairman of KGL Group. 



Building on this collaborative momentum, Ghana fosters a strong partnership with the private sector, leveraging the sector’s capital, expertise, and technology to accelerate the development of needed infrastructure and the provision of service delivery in the country. 



“The future is positive. The key lies in creating a level playing field for investors. This will unlock a domino effect, with increased investment leading to job creation, tax revenue growth, and a thriving economy. However, taking the first step is essential,” notes Mahesh Melwani, Joint MD of Melcom. This commitment to collaboration extends beyond infrastructure projects and reflects a broader national commitment to stability. 



The country has a long history of peaceful democratic transitions, making it a reliable and predictable environment for businesses to invest. Kosi Yankey Ayeh, CEO of Ghana Enterprises Agency, says, “Ghana is a beacon of democracy and stability. We’ve done pretty well as a nation. I think that successive governments and everyone have ensured that we are able to maintain stability through a peaceful transition of power with the future in mind.” From its supportive government policies to its dynamic market and focus on innovation, Ghana stands out as an attractive destination for investors seeking long-term success.

Kwame Nkrumah Circle Interchange in Ghana, Africa. Shot with a drone

Ghana: The Beacon of Democracy Part 2- West Africa’s Investment Powerhouse 

Publicly listed on the Botswana Stock Exchange, ABSA Bank Botswana is transforming Botswana’s digital banking sector and supporting the Southern African country to diversify its economy.&nbsp;



<blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">
<h2 class="wp-block-heading" id="h-botswana-has-maintained-a-triple-a-rating-in-credit-for-many-years-which-many-countries-can-only-aspire-to-get-keabetswe-pheko-moshagane-managing-director-of-absa-bank-botswana"> “Botswana has maintained a triple-A rating in credit for many years, which many countries can only aspire to get.” &#8211; Keabetswe Pheko-Moshagane, Managing Director of ABSA Bank Botswana </h2>
</blockquote>



Reimagining the way business owners operate across Botswana, ABSA Bank introduced Mobi&nbsp; Tap in 2023, a software application that turns smartphones into point-of-sale machines to accept card payments. This means a simple tap on the phone to complete transactions effortlessly. The initiative aims to support the growth of small enterprises, businesses, and entrepreneurs, as the bank plans to broaden the software application across different sectors. “I would say we have successfully achieved our target when every taxi driver in the country can just tap their phones&nbsp;



for transactions,” says Keabetswe Pheko-Moshagane, Managing Director of ABSA Bank Botswana. The bank aims to reach all merchants in urban and rural areas, from street vendors to taxi drivers, to create a cashless society through an affordable digital payment system.&nbsp;



Evolving into a large financial services company, ABSA Bank emerged in Botswana’s banking industry in 1950. The bank is currently engaged in supporting Botswana develop its capital market with a focus on the country’s pension fund. “We have seen our government taking an initiative to repatriate the pension fund, increasing the threshold that is sitting in the country from the current 30% compared to the 70% offshore. To facilitate the economy and create liquidity in the market, we will, in a phased approach, see that increasing up to 50%. We are designing different instruments that can facilitate the investments of these funds as they come back into the country,” says Pheko-Moshagane.&nbsp;



Botswana largely relies on the extraction of diamonds for foreign exchange earnings and its government revenue. As the nation seeks to diversify its economy to other potential sectors, ABSA has devised key support areas to realize this target, including providing access to finance to other sectors, human capital development, and support to SMEs. “The important question is: how do we build the right credit appetite into other sectors beyond diamond? We have been the pioneers of value chain financing through a product called Enterprise Supply Development. We have disbursed over a billion pula to our SMEs, specifically in the diamond sector. My vision is to take the same model and replicate it in other sectors as I rally behind the government’s vision of diversification,” says Moshagane.&nbsp;



The bank’s F.G. Mogae Scholarship, named after the late Botswanan President, aspires to increase the nation’s human capital in various industries.&nbsp;&nbsp;



Perhaps one of the most unique services of ABSA Bank is its financing model that pivots from traditional lending, supporting SMEs who are often challenged with a lack of financial resources. “Commercial banks request SMEs to present a financial statement to secure a loan. We would rather look at the potential SMEs have to access the market. If they show a case that they’ve got a market that is ready to undertake their product, we will finance them,” says Moshagane. Beyond financial resources, the bank focuses on providing value addition to SMEs through training on topics ranging from strategies to market products to navigating tax obligations.&nbsp;&nbsp;



ABSA Bank invariably follows a self-espoused approach to corporate social responsibility, one that resonates with the age-old adage of ‘teaching a man to fish’. “We have launched a product called ‘SHE Account’ for women entrepreneurs, which stands for See, Hear, Empowered. The account offers training in how to run businesses, free access to an office-like setup in one of our service centers, and access to our Relationship Managers (RMs) that help entrepreneurs build their business case up until they can access finance,” says Moshagane. The bank also prioritizes financing initiatives that have the potential to influence positive social change and environmental sustainability.&nbsp;



Botswana’s economic and political stability as well as its global rating in the banking industry prompts investment. “Botswana has maintained a triple-A rating in credit for many years, which many countries can only aspire to get,” says Moshagane, reflecting on the nation’s stability in finance management and robust infrastructure as some of the opportunities for investors. “We are here to empower Africa’s tomorrow together, one story at a time. Your story matters, and we want to help write every chapter with you. That is why you should partner with ABSA.”&nbsp;

Keabetswe Pheko-Moshagane – CEO of ABSA Bank

Leading the Digital Banking Space in Botswana 

From soil to success, NARDI’s triumph has played a key role in the enhancement of Botswana’s agricultural renaissance.&nbsp;



<blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">
<h2 class="wp-block-heading" id="h-now-is-the-time-to-invest-in-botswana-s-agricultural-sector-and-partner-with-nardi-for-impactful-growth-professor-julius-r-atlhopheng-ceo-of-nardi-headshot-provided">“Now is the time to invest in Botswana’s agricultural sector and partner with NARDI for impactful growth.” &#8211; Professor Julius R. Atlhopheng, CEO of NARDI (headshot provided) </h2>
</blockquote>



At the forefront of Botswana’s agricultural landscape stands the National Agricultural Research and Development Institute (NARDI), a beacon of innovation and progress under the leadership of Professor Julius R. Atlhopheng. From pioneering research to sustainable practices, NARDI’s endeavors are reshaping the agricultural sector while fostering inclusive growth and economic development.&nbsp;



Atlhopheng commenced the discussion by reflecting on NARDI’s inaugural year, emphasizing the importance of laying robust foundations for sustainable growth. “We focused on establishing a performance management system to optimize human capital and foster a culture of excellence within NARDI,” he explains. Additionally, NARDI prioritized financial sustainability and stakeholder engagement, recognizing them as fundamental pillars for driving meaningful change. “The development of an investment policy and a knowledge management policy was crucial in ensuring efficient operations and fostering collaboration with stakeholders,” he adds.&nbsp;



In its formative year, NARDI also prioritized technology transfer and commercialization frameworks to enhance the agricultural sector’s commercial viability. Atlhopheng stressed the need for an integrated approach, saying, “We developed an integration framework to align&nbsp;



research and development efforts with technology transfer and commercialization initiatives, promoting synergy across all functions.”&nbsp;&nbsp;



As NARDI enters its second year, Atlhopheng outlined plans to revamp systems for enhanced service delivery and align policies and strategies with the institute’s overarching goals. “We are updating our policies and strategies to ensure alignment with our vision and foster greater coordination among stakeholders,” he says. This strategic realignment aims to maximize NARDI’s impact and efficacy in driving agricultural transformation across Botswana.&nbsp;



NARDI’s commitment to agricultural commercialization includes a wide range of methods targeted at increasing Botswana’s agriculture sector’s economic viability. Building on Atlhopheng’s emphasis on inclusion, the institution has implemented adapted programs to meet&nbsp;



the diverse requirements of many social groups. A critical component of this strategy is offering aid and resources to small-scale farmers and underprivileged groups, encouraging them to actively participate in commercial agricultural activities.&nbsp;



NARDI provides farmers with the information and resources they need to increase production and improve crop quality via targeted capacity-building efforts and access to cutting-edge technologies. This includes research into seed technology, organic fertilizers, and precision agriculture, which not only improves yields but also lowers input costs and environmental effects. NARDI advocates for the use of sustainable farming practices, which not only increases the profitability of agricultural businesses but also ensures the long-term viability of Botswana’s agricultural industry.&nbsp;



In addition to assisting individual farmers, NARDI promotes the development of agricultural value chains and agribusinesses, therefore offering new opportunities for economic growth and&nbsp;



employment creation. By establishing linkages between farmers, agro-processors, and other value chain partners, the institution promotes agricultural product commercialization and market reach. This includes programs aimed at improving post-harvest handling and processing&nbsp;



procedures, as well as attempts to establish market ties and promote value-added goods.&nbsp;



Furthermore, NARDI is actively involved in technology transfer and commercialization initiatives, which help to accelerate the movement of research discoveries and breakthroughs from the lab to the market. The institution promotes the adoption of new technologies and creative practices that improve agricultural production and competitiveness in collaboration with the private sector and industry stakeholders. This includes activities to create and promote agricultural innovations, including improved crop types, pest and disease control solutions, and sustainable farming methods.&nbsp;



NARDI is a beacon of excellence in agricultural research and development, positioned to drive dramatic change in Botswana’s agricultural environment. With an unrelenting dedication to quality and a holistic approach to agricultural development, NARDI is ready to lead Botswana into a new age of agricultural prosperity.&nbsp;

Penresa

FORBES AFRICA SOCIAL MEDIA