Debt recovery firm providing commentary on Kenyan lending practices, borrower behavior, and collection strategies.
Verbatim sentences from the source article.
The Standard
… They are the ones that understood, long before the bank did, exactly how much debt their cash flow could actually carry. -The writer is a Certified Public Accountant and founder of Marathon Debt Recovery Ltd .std-banner-wrap { max-width: 100%; width: 100%; position: relative; mar …
Knowing your financial capacity vs your debt capacityThe Standard
… Subscribe to our newsletter-The writer is a Certified Public Accountant and the founder of Marathon Debt Recovery Ltd Journalism can't be free because the truth demands investment. …
These are the key faces of a Kenyan debtor - corporate or individualThe Standard
… In business, credibility is earned one cheque at a time, but even the best-dressed excuse eventually loses its value.-The writer is a Certified Public Accountant, Founder and CEO of Marathon Debt Recovery Ltd. …
Of corporate debt collection and boardrooms that borrow Nairobi's street tacticsThe Standard
… Only causality tells you what they'll do next, which is the only thing a credit decision was ever about. -The writer is a CPA and is the founder and CEO of Marathon Debt Recovery Ltd .std-banner-wrap { max-width: 100%; width: 100%; position: relative; margin: 2.5rem 0 2rem; font- …
Causal credit scoring is here and is the futureThe Standard
… But go.The writer is a CPA and the founder of Marathon Debt Recovery Ltd. Stay informed. …
The money you're too polite to bring homeThe Standard
… The writer is a Certified Public Accountant and founder of Marathon Debt Recovery Ltd Stay informed. …
Show me your scoring engine, I'll show you your loan bookThe Standard
… The writer is a Certified Public Accountant and the Founder of Marathon Debt Recovery Ltd .std-banner-wrap { max-width: 100%; width: 100%; position: relative; margin: 2.5rem 0 2rem; font-family: Georgia, 'Times New Roman', serif; } .std-top-rule { display: flex; height: 4px; } .s …
Financial freedom begins with one decision: Stop impressing peopleThe Standard
… From 2025, the Treasury added criminal liability, with the power to bar directors and name offenders publicly, and unlicensed lenders cannot enforce a single shilling.- The writer is the founder and CEO of Marathon Debt Recovery Ltd and a Certified Public Accountant Stay informed …
How digital data has birthed problematic loansThe Standard
… This is what we represent every day: a company redefining how collection is done.- The writer is a Certified Public Accountant, credit management specialist, and founder of Marathon Debt Recovery Ltd Stay informed. …
The power of patience, psychology and strategy in debt recoveryThe Standard
… And every day, whether it ends in laughter, stress, or victory—I wouldn’t trade the story for anything. - The writer is a certified public accountant, credit management specialist and the founder of Marathon Debt Recovery Ltd Journalism can't be free because the truth demands inv …
All in a day's work for a Kenyan debt collectorAn opinion piece distinguishes between borrowing capacity—what a lender will approve based on collateral and credit scores—and debt capacity, the amount a business's cash flow can actually service without breaking. Banks focus on collateral coverage but rarely assess whether a business can truly repay, a gap the author identifies as a source of SME failures in Kenya.
15 September 2026 · The Standard →
An opinion piece distinguishes between borrowing capacity—what a lender will approve based on collateral and credit scores—and debt capacity, the amount a business's cash flow can actually service without breaking. Banks focus on collateral coverage but rarely assess whether a business can truly repay, a gap the author identifies as a source of SME failures in Kenya.
15 September 2026 · The Standard →
The Standard distinguishes between "can't pay" debtors facing genuine cashflow problems and "won't pay" debtors with available funds, noting that each type requires different recovery approaches.
9 September 2026 · The Standard →
An opinion piece from a business-to-business debt recovery professional argues that corporate debtors employ the same delay tactics and excuses as ordinary street borrowers, merely dressed in more sophisticated language and corporate jargon.
5 August 2026 · The Standard →
Kenya's over 250 licensed digital credit providers have grown to a loan book exceeding microfinance banks' portfolios, with around eight million Kenyans using their phones for credit. Digital lenders assess borrowers on real-time behavioural signals and transaction patterns rather than historical documents, a method the article argues proves more effective than traditional credit committee approaches.
29 July 2026 · The Standard →
Kenyans often avoid collecting money lent to family and friends out of politeness, then take digital loans to cover their own shortfalls, effectively financing others' lives while incurring interest. The piece argues that reluctance to ask for repayment—treated as a social norm—drives household debt across the country.
15 July 2026 · The Standard →
An opinion piece argues that Kenya's credit institutions lose money not during collection but at the onboarding stage, when outdated scoring engines assess creditworthiness. Traditional credit scoring—based on ID cards, payslips, bureau checks, and officer judgment—fails to evaluate thin-file borrowers like traders, bodaboda riders, and SMEs, and must evolve to match modern economic realities.
8 July 2026 · The Standard →
The Standard publishes an opinion piece arguing that the primary obstacle to financial freedom in Kenya is not low income but the desire to impress people with displays of wealth, and that financial intelligence and disciplined borrowing are key to building long-term security rather than financing appearances.
1 July 2026 · The Standard →
The Standard's opinion piece argues that fintech lending—from high-interest instant-cash apps to asset-finance schemes for motorcycles and cars—employs predatory practices including hidden charges, public shaming via phonebook contact sharing, and unreasonable repayment terms, and warns that these "loans from hell" prey on vulnerable borrowers.
10 June 2026 · The Standard →
An opinion piece recounts a debt recovery case in which aggressive tactics failed until the creditor shifted to a compassionate approach, listening to the debtor's circumstances and restructuring the obligation into manageable payments.
20 May 2026 · The Standard →
An opinion piece from a Nairobi-based debt collector describes the daily work of pursuing overdue payments through notices, calls, and negotiations, balancing professional communication with debtor excuses and drama to extract payments.
29 April 2026 · The Standard →