Nairobi, Aug. 3 -- When Bosire Bonyi, an advocate of the High Court of Kenya, graduated from law school in 2018, he knew he did not want to be employed. After being admitted to the bar in 2022, he registered his law firm, officially beginning his legal practice.

"It wasn't easy and because at the time I hadn't built a name, business wasn't coming through as fast. Business teaches you that you can get a lump sum payment now and never be paid the rest of the year, at all," Bosire said.

Unlike salaried employees who can plan around a predictable monthly income, Bosire said he had to adopt strict financial discipline to manage an irregular cash flow.

"In the office, there were conversations about remittances done to SACCOs. LSK SACCO has i...