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Jihan Abbas: Griffin Insurance’s Rise and Kenya’s Insurance Future

“Success in business, especially in a market like Kenya, demands persistence. There are days when things don’t go as planned—especially when you’re trying to innovate in a conservative industry—but you have to keep pushing,” explains Jihan Abbas. “It’s also important to be customer-centric. We built Griffin Insurance around what customers actually want, not what the industry thinks they need.”

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Jihan Abbas, in black top and jeans with her team.Kenya ranks as one of the top insurance markets in East Africa, supported by a relatively well-developed financial services sector and robust mobile infrastructure.

:Revolutionizing Kenya’s Insurance Industry through Digital Innovation and Entrepreneurial Resilience

By Charles Wachira

Jihan Abbas, aged 31, identified an opportunity to simplify the insurance experience in a sector often criticised for its complexity and bureaucracy. With mobile penetration in Kenya at over 95%, she saw the potential for a digital-first insurance solution to reach more customers, particularly the tech-savvy younger generation.

“I realized the insurance industry was ripe for disruption,” says Jihan. “Customers were frustrated by long processes and lack of transparency. With Griffin Insurance, we’ve built a platform where users can buy, renew, and manage their insurance policies all on a mobile app, within minutes. This is the future of insurance—not just in Kenya, but across Africa.”

By leveraging technology and automation, Griffin Insurance eliminates much of the paperwork traditionally involved in buying insurance, providing customers with a fast and seamless experience. The company focuses heavily on motor insurance, allowing users to pay premiums, track claims, and even pause coverage when their vehicles are not in use—a feature unique to Griffin.

What It Takes to Succeed in Business: Jihan’s Perspective

Building a successful business in a sector as highly regulated and competitive as insurance requires a blend of resilience, innovation, and an unwavering focus on customer needs. According to Jihan, her journey has been challenging but also deeply rewarding.

“Success in business, especially in a market like Kenya, demands persistence. There are days when things don’t go as planned—especially when you’re trying to innovate in a conservative industry—but you have to keep pushing,” she explains. “It’s also important to be customer-centric. We built Griffin Insurance around what customers actually want, not what the industry thinks they need.”

Jihan emphasizes the importance of having the right team. “You need a team that is as committed to your vision as you are. Surround yourself with people who are smarter than you and can bring ideas to the table. Collaboration is key.”

Finally, Jihan points to risk-taking as a core element of her entrepreneurial journey. “In business, you have to be willing to take calculated risks. When I started Griffin, we were entering uncharted territory with a fully digital model. But I believed in the idea and trusted that technology was the answer to many of the pain points in this industry.”

The Insurance Landscape in Kenya: Challenges and Opportunities

Kenya’s insurance industry has seen steady growth, driven by a growing middle class, an expanding economy, and increased awareness of the need for protection. However, insurance penetration—the ratio of insurance premiums to GDP—remains low. As of 2022, Kenya’s insurance penetration stood at around 2.4%, which is below the African average of about 3% and far below leading countries like South Africa, where penetration is above 17%.

Despite this, Kenya’s insurance market holds immense potential. The country ranks as one of the top insurance markets in East Africa, supported by a relatively well-developed financial services sector and robust mobile infrastructure.

“The low penetration rate represents both a challenge and an opportunity,” notes Jihan. “On the one hand, it shows there’s a long way to go in terms of educating people about the benefits of insurance. On the other hand, it means there’s a huge untapped market. At Griffin, we’re leveraging digital platforms to reach people who may never have considered insurance before.”

Comparison with Other African Markets

Kenya lags behind countries like Morocco, where insurance penetration is at 4.5%, and Namibia, with 6.7%, but is on par with other East African countries such as Uganda and Tanzania, where insurance penetration hovers around 1-2%. The low insurance uptake across the continent is largely attributed to economic challenges, low disposable incomes, and a lack of trust in insurance providers.

“One of the reasons why insurance penetration is lower in Kenya compared to countries like South Africa or Namibia is the lack of trust in traditional insurance models,” says Jihan. “People often feel they don’t get value for their money, and claims processes can be opaque. At Griffin, we’ve worked hard to build trust by ensuring transparency and creating a hassle-free claims process.”

The Way Forward: Digitization and Innovation

The future of Kenya’s insurance industry lies in digitization and accessibility. With over 47 million mobile phone users in the country, mobile-based insurance services, like those provided by Griffin, are becoming a more viable way to increase coverage. Microinsurance—affordable, smaller-scale insurance products targeted at low-income earners—is also expected to drive growth in the sector, particularly as mobile money services like M-Pesa expand their integration with insurance products.

“Kenya is at the forefront of mobile innovation, and insurance companies need to tap into that potential,” Jihan says. “At Griffin, we are constantly exploring new ways to reach customers via mobile and provide them with products that fit their needs and lifestyles. I see the future of insurance as being on-demand, flexible, and fully integrated into our everyday lives.”

Insurance Regulatory Changes: A Positive Outlook

Jihan is optimistic about the regulatory changes taking place in the industry. The Insurance Regulatory Authority (IRA) has been pushing for reforms to streamline operations, make insurance more accessible, and ensure fair treatment of policyholders.

“Regulation is crucial for maintaining trust in the industry,” Jihan states. “At Griffin, we’ve embraced these changes because they align with our vision of providing a fair, transparent, and efficient insurance service. We are excited about what the future holds for the industry.”

Conclusion: A Bright Future for InsurTech in Kenya

As Griffin Insurance continues to grow, Jihan Abbas remains a pioneer in Kenya’s InsurTech space, paving the way for a new era of customer-centric, tech-driven insurance services. With a market ripe for innovation and a population increasingly familiar with digital solutions, the future of Kenya’s insurance industry is undoubtedly bright. As more Kenyans adopt digital insurance platforms, industry leaders like Griffin will be at the forefront of driving insurance penetration and financial inclusion in the country.

In her final thoughts, Jihan offers advice to aspiring entrepreneurs: “Start small, dream big, and most importantly, stay focused. There will be setbacks, but every challenge is an opportunity to learn and grow. Believe in your vision and don’t be afraid to disrupt the status quo.”

Keywords:InsurTech:Insurance penetration:Digital insurance:Griffin Insurance Kenya:Entrepreneurship in Kenya


Charles Wachira, Managing Editor of businessworld, has disproportionately worked as a foreign correspondent in Nairobi, Kenya. Formerly an East Africa correspondent with bloomberg, covering the business beat he has since been published by a legion of other authoritative global news platforms including Global Finance Magazine, Toward Freedom, Earth Island Journal, and Dialogue. earth and so on. He is also a co-author of, Success to Significance, a biography of pre-eminent global industrialist and renowned philanthropist Dr. Manu Chandaraia. He’s an alumnus of the University of Nairobi and Nairobi School.

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How Margaret Nyamumbo Built Kahawa 1893 from the Ground Up

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nyambuto kahawa 1893

: Discover Margaret Nyamumbo’s journey from Kenya to the U.S. and how she
built Kahawa 1893 to empower women coffee farmers, achieving business
success and social impact

Early Life and Education: Pursuing Global Opportunities

Margaret Nyamumbo’s entrepreneurial journey began in Kenya, where she grew up on a coffee
farm. However, she moved to the U.S., a decision that significantly shaped her path.
In 2000, she travelled to Smith College, a prestigious liberal arts institution in Massachusetts,
to study economics.

Her desire to study abroad stemmed from the limited educational opportunities available for
women in Kenya at the time. As she later explained, her family encouraged her decision, viewing it as a way to give her the best opportunities for success.

After earning her degree from Smith College, Nyamumbo pursued an MBA at the Wharton
School of the University of Pennsylvania, known for its rigorous business programs.

This solidified her foundation for a future in business, although it was the allure of her roots and a passion for coffee that eventually led her back to entrepreneurship.


From Corporate Work to Entrepreneurship: Embracing Coffee Culture

After completing her studies, Nyamumbo worked in investment banking and consulting, but the world of corporate finance didn’t fully satisfy her ambitions.

It was her return to the coffee industry, deeply connected to her Kenyan heritage, that drove
her entrepreneurial leap. With a vision to support East African coffee farmers, particularly women, Nyamumbo founded Kahawa 1893 in 2018, a coffee brand dedicated to highlighting Kenya’s coffee culture while mpowering local farmers.

The name “Kahawa” is the Swahili word for coffee, while “1893” marks the year when coffee
was first commercially grown in Kenya, grounding her brand in historical significance.
Through Kahawa 1893, Nyamumbo aimed to bring a new approach to the coffee business, one
that not only celebrated East African coffee but also created fair wages for farmers.

Building a Brand with Purpose: Empowering Farmers

Nyamumbo’s vision for Kahawa 1893 went beyond just selling coffee.
She wanted to create a direct impact on the lives of the farmers growing the coffee beans.
The brand’s model incorporated a system where customers could tip the farmers directly via a
QR code found on the coffee bags.

This innovation set the company apart from competitors and positioned it as a socially
responsible business that directly benefited those involved in the production process.

In 2021, Kahawa 1893 hit a major milestone, getting its coffee stocked in Trader Joe’s—the
first Black- and woman-owned coffee brand to be featured there.

This breakthrough moment was significant for Nyamumbo, marking the recognition of her hard work and her commitment to uplifting local farmers.

Overcoming Challenges: What It Takes to Succeed


Despite the challenges of entering a highly competitive market, Nyamumbo’s determination
never wavered. In a 2022 interview with Forbes, she shared her thoughts on what it takes to be a successful entrepreneur.

“You have to be able to take the punches and keep moving,” she said. Her advice reflects the
reality of entrepreneurship: persistence, resilience, and a willingness to learn from failure are
crucial for success.

Nyamumbo also emphasised the importance of passion. “You’ve got to love what you do, or you won’t have the energy to push through the tough times,” she said.

These values have guided her journey, driving Kahawa 1893 to not only succeed but also to
change the way the coffee industry operates, particularly about fair trade and community
empowerment.

The Future of Kahawa 1893: Expanding Horizons

With her success on platforms like Shark Tank and continued global distribution, Nyamumbo’s
Kahawa 1893 is poised for growth.

Her brand continues to expand its reach, and the emphasis on ethical sourcing, community
impact, and high-quality coffee will likely remain at the heart of her business model as she looks to further innovate in the global coffee market.

Through Kahawa 1893, Nyamumbo has shown that business success is not just about
profits—it’s about purpose, people, and passion.

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Chebet Ng’ok: Founder of Harriet Botanicals, Empowering Wellness

Harriet Botanicals embodies Chebet Ng’ok’s mission to make indigenous wellness accessible to everyone. Her journey shows how personal struggles can spark entrepreneurial success. “I never imagined my pain would bring me here,” she reflects. “But now, I’m proud to help others live healthier, pain-free lives.” Chebet’s story is one of resilience, innovation, and staying connected to her heritage—valuable lessons for any aspiring entrepreneur.

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Harriet Chebet inspecting the label on a product by Harriet Botanicals in Nairobi, Kenya on 18 April 2024. Photo: Mumbi Oyoo

Discover how Chebet Ng’ok’s Harriet Botanicals uses indigenous herbs to transform reproductive health, helping women and men live pain-free, healthy lives.

Chebet Ng’ok, the Founder and CEO of Harriet Botanicals, took a deeply personal challenge and turned it into a thriving business, bringing indigenous Kenyan remedies to the forefront of the wellness industry.

 What started as a search for relief from severe menstrual pain led Chebet to discover the healing power of local herbs. 

Today, her company is empowering women and men alike through natural products while promoting better reproductive health.

From Financial Powerhouse to Entrepreneur

Chebet’s journey into entrepreneurship was far from typical.

A highly successful financial manager and consultant, she spent over 15 years living in London, where she obtained an LLB in Law with a concentration in Commercial Law from the London School of Economics and an LLM in International Banking and Finance.

 Her illustrious career saw her work with some of the world’s largest financial institutions, including JPMorgan Chase, the UK Financial Services Authority, and Goldman Sachs. She even held positions as an independent consultant and an East Africa Partner at Dwyka Projects and Equinox Global Consultants.

However, behind her professional success, Chebet was grappling with debilitating menstrual pain that impacted her life and career.

 “When I finished my education and started working, I had a serious challenge with my menstruation—a lot of pain, agony, painkillers, and frequent visits to doctors and gynecologists,” she explained in a 2021 interview. Desperate for relief, she tried everything from juice fasts and yoga to various painkillers, but nothing seemed to work.

Discovering Indigenous Remedies

It wasn’t until Chebet returned to Kenya that she discovered the transformative power of indigenous herbs.

 Her journey into alternative medicine began with a recommendation from a family member. 

A herbalist uncle from Webuye gave her a traditional remedy that, for the first time, alleviated some of her pain. Later, at her father’s funeral, a woman introduced her to Kipsigis herbs, which provided the first completely painless menstrual cycle Chebet had experienced in years.

This revelation inspired her to research further into indigenous remedies from the Keiyo, Marakwet, and Kipsigis communities.

 “When I experienced a painless period for the first time in my life, I knew I had stumbled upon something truly powerful,” Chebet recalls. She began sharing the herbs with friends, one of whom was about to undergo a hysterectomy due to severe menstrual pain. The success stories spread quickly, with Chebet’s social circles buzzing about the benefits of these natural remedies.

Filling a Void in Kenya’s Wellness Market

Harriet Botanicals was officially launched in 2017 to formalize the distribution of these indigenous remedies, focusing initially on women’s reproductive health.

 “We realized there was a huge gap in the market for locally sourced, natural solutions to common health issues like menstrual pain, infertility, and digestion challenges,” says Chebet.

As word of mouth spread and demand grew, Harriet Botanicals expanded its product line to cater to both men and women, offering remedies for issues like low libido and immune support.

 Chebet made it her mission to ensure that these products were accessible to all Kenyans, opening outlets in major cities and towns across the country.

Overcoming Challenges and Building a Business

Starting Harriet Botanicals was not without its challenges. Despite her background in finance, Chebet faced an entirely new set of hurdles in the health and wellness sector. 

“Convincing people to trust indigenous remedies was tough. Many believed that imported products were more effective,” she explained.

Funding was another major obstacle. Chebet initially relied on personal savings and small contributions from family and friends. She didn’t have access to large-scale investment, but through determination and a commitment to quality, Harriet Botanicals slowly gained a loyal customer base.

 “I believed in the power of the product, and I knew that if we kept reinvesting back into the business, we could grow sustainably,” she said.

Lessons for Aspiring Entrepreneurs

Reflecting on her entrepreneurial journey, Chebet shares some valuable lessons for others looking to start their own businesses.

 “First, you have to believe in your product. If you’re not convinced, no one else will be,” she advises. She also stresses the importance of resilience in the face of adversity. 

“There were times I doubted whether this business could work, but I never gave up. You have to be prepared for setbacks and keep pushing forward.”

Chebet also emphasizes the need for market education.

 “Our biggest challenge was getting people to trust natural, locally made remedies. But once we focused on educating consumers about the benefits of our products, we began to see a shift.”

Lastly, she advises entrepreneurs to start small and grow organically.

 “You don’t need a lot of capital to start. What’s more important is that you have a clear vision and a product that people need.”

Voices of Beneficiaries

The impact of Harriet Botanicals has been far-reaching, with many customers sharing their stories of relief and improved well-being. Ann Wambui, a loyal customer, speaks about how the products have changed her life

: “I had severe menstrual cramps for years. Since using Harriet Botanicals’ products, I’ve experienced pain-free cycles and can finally go about my day without interruption.”

James Njoroge, who struggled with digestive issues, shares a similar experience:

 “I started using their Moringa tea for digestion problems, and it’s been a game-changer. I feel healthier and more energetic.”

A Future Rooted in Wellness

Today, Harriet Botanicals stands as a testament to Chebet Ng’ok’s vision of making indigenous wellness solutions accessible to all. 

As the company continues to expand its product range and reach, Chebet remains committed to her mission of promoting better health through the power of nature.

Her story is a powerful reminder of the potential for personal challenges to inspire entrepreneurial success. “I never thought my pain would lead me to this,” she says. “But now, I’m proud to be helping other people live healthier, pain-free lives.”

Chebet’s journey is one of resilience, innovation, and staying true to one’s roots—lessons that any entrepreneur can take to heart.

Keywords: Harriet Botanicals: Chebet Ng’ok: Indigenous remedies: Reproductive health: Natural wellness

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Tehmeena Manji: Elevating Kenya’s Tea Industry with Passion

Tehmeena Manji’s journey with Muthaiga Tea Company is a powerful testament to how passion, education, and perseverance can make a meaningful impact on Kenya’s tea industry. Her dedication to quality and sustainability establishes a benchmark for others, inspiring the next wave of entrepreneurs in the nation. Through her innovative approaches, Tehmeena is not only influencing the future of tea in Kenya but also ensuring that the legacy of this essential industry continues to flourish.

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"You need to have resilience. It’s the ability to bounce back from challenges that sets successful entrepreneurs apart," notes Tehmeena Manji'.

Tehmeena Manji’s story is one of passion, determination, and a commitment to quality, perfectly illustrating the vibrant tapestry of Kenya’s tea industry.

 As the founder of Muthaiga Tea Company, she has carved out a niche in the competitive tea market by combining her expertise with innovative practices.

 Born in 1989 in Nairobi, Tehmeena’s fascination with tea began at a young age, evolving from a curious child to a renowned tea sommelier and entrepreneur.

Educational Foundation

Tehmeena’s academic journey took root at St. Mary’s School in Nairobi, where she developed a keen interest in culinary arts and agriculture.

 Her pursuit of a degree in Food Science and Nutrition at the University of Nairobi, which she completed in 2011, provided her with a solid foundation in understanding the complexities of food production and quality control. This background would become invaluable as she embarked on her entrepreneurial path.

The Birth of Muthaiga Tea Company

Tehmeena officially launched Muthaiga Tea Company in 2017, driven by a mission to provide high-quality, ethically sourced tea for both local and international markets. 

Recognizing Kenya’s status as one of the largest tea producers globally, she saw untapped potential in premium tea products.

 Starting with an initial investment of KSh 1 million (approximately $10,000), Tehmeena sourced high-quality tea leaves from smallholder farmers in Kericho, an area known for its rich soil and favorable climate for tea cultivation. She prioritized sustainable farming practices, ensuring her suppliers adhered to ethical and environmentally friendly methods.

A Snapshot of Muthaiga Tea Company

Since its inception, Muthaiga Tea Company has witnessed remarkable growth.

 By 2023, the company reported an annual revenue of approximately KSh 50 million (around $450,000) and employed around 25 full-time staff while collaborating with over 100 smallholder farmers.

 Headquartered in Nairobi, with sourcing operations in Kericho, Muthaiga Tea Company offers a diverse portfolio of over ten different brands, including the signature “Muthaiga Classic” blend, flavored teas, and herbal infusions.

Building a Unique Brand

Tehmeena’s passion for tea led her to pursue further education in tea tasting and blending, culminating in a professional course as a tea sommelier in Sri Lanka in 2018. 

This knowledge proved crucial as she crafted unique blends that set Muthaiga Tea Company apart.

 In 2019, the company launched its first line of premium teas, including “Muthaiga Classic,” which quickly gained popularity among tea connoisseurs, praised for its rich flavor profile and high-quality leaves.

Innovative packaging designs that emphasized the premium nature of her products further enhanced the brand’s appeal. Muthaiga Tea gained traction in the local market, with sales increasing by 150% in its first year, leading to the expansion of its product line to include flavored teas and herbal infusions by 2020.

Recognition and Challenges

Tehmeena’s dedication to quality and sustainability resonated with consumers, leading to her products appearing in upscale hotels, restaurants, and specialty stores across Kenya.

 In 2021, Muthaiga Tea Company was recognized as the “Best New Tea Brand” at the Kenya National Tea Awards.

 This accolade validated her efforts and facilitated international distribution, allowing her to export products to Europe and North America.

However, challenges emerged during the COVID-19 pandemic, as global supply chain disruptions impacted her ability to source tea leaves. 

Tehmeena demonstrated resilience by pivoting to online sales and developing a direct-to-consumer platform, allowing customers to purchase tea directly from the company. 

This strategic shift helped sustain the business during the pandemic, leading to a doubling of online sales by 2022, with a significant percentage of revenue coming from international markets.

Attributes of a Successful Entrepreneur

Reflecting on the essential attributes for success in business, Tehmeena emphasizes resilience, passion, and adaptability.

 “You need to have resilience. It’s the ability to bounce back from challenges that sets successful entrepreneurs apart,” she notes.

 She also admires the late Prof. Wangari Maathai, the renowned environmentalist, for her commitment to sustainable development, stating, “Her legacy encourages us to consider our responsibility to the planet.”

Future Aspirations

As of 2023, Tehmeena continues to lead Muthaiga Tea Company with a vision to expand into the global market while promoting sustainable practices within the tea industry. 

She advocates for fair wages for farmers and aims to launch workshops educating consumers about tea appreciation and the art of tasting.

Kenya’s Tea Legacy and Economic Impact

Muthaiga Tea Company’s success reflects the broader significance of tea in Kenya, where the country ranks third globally in tea production after China and India. Kenyan tea is highly rated for its quality, sustainability, and diverse varieties.

 With exports generating approximately KSh 140 billion (around $1.2 billion) in 2022, tea is a vital contributor to Kenya’s economy, providing employment to over 600,000 smallholder farmers and funding community development projects in tea-growing regions.

In summary, Tehmeena Manji’s journey with Muthaiga Tea Company exemplifies how passion, education, and perseverance can lead to significant contributions to Kenya’s tea industry. Her commitment to quality and sustainability sets a standard for others, inspiring the next generation of entrepreneurs in the country. Through her innovative practices, Tehmeena is shaping the future of tea in Kenya, ensuring that the legacy of this vital industry continues to thrive.

Keywords:Tehmeena Manji: Muthaiga Tea Company: Kenyan tea industry: Sustainable tea practices: Tea market exports

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