The number of government employees in Kenya is about 1 million in 2026. One of those employees is Agnela Kezia from Taita Taveta who works in Nairobi. She is now a Diaspora University Town (DUT) founder after becoming a DUT Townhouse developer. She is excited to invest in the DUT plan that will create 15,000 jobs, build 3,500 townhouses, and generate new wealth in Taita Taveta. The townhouse she is developing using the DUT system will contribute over Ksh 7 million to the Ksh 25 billion that the 3,500 townhouses will bring to Taita Taveta County.
Agnela, who works in the aviation sector, when taking measurements at DUT clothing that is progressing to tailor clothes and create jobs asked other government employees to join DUT and create jobs through the DUT plan.
The one million government employees include: 400,000 (about 40%) who are employees of the Teacher Service Commission (TSC); around 300,000 employees are working in the public health sector in hospitals, clinics, and other health facilities; the Kenya Police Service has 100,000 (10%); and the military and other departments make up about 200,000. The total wage bill of the one million government employees is about 1.2 trillion, financed and guaranteed by the taxes collected from Kenyans.
Dan Kamau, the DUT Project Director, expressed his gratitude to Agnela for responding to the call to bring jobs and capital to Taita Taveta. He mentioned that the funds available for housing from Kenya Mortgage Refinance Company (KMRC) will achieve the right to housing and clean water for the 25,000 who settle in the town.
He said that once 0.1% (about 1,000) of the 1 million government employees join DUT as townhouse developers through the DUT THIDA and personal unsecured loan products from banks, Taita Taveta County will be transformed by these individuals through the DUT plan.
STEP BY STEP PROCESS OF DEVELOPING A DUT TOWNHOUSE
STEP 1. KSH 750,000
Visit a bank and borrow Ksh 750,000 through the bank's Personal Unsecured Loan products. Some of the Bank products that will make the loan repayment below Ksh 15,000 a month are:
KCB Bank Personal Unsecured Check-Off Loan
https://ke.kcbgroup.com/for-you/get-a-loan/unsecured-loan/check-off
Get a check-off loan as a government employee, or a company that has an agreement with KCB Bank. The check-off loan of Kes 20,000 up to Kes 10 Million is repayable in up to 120 months (10 years), with monthly repayments remitted by your employer.
Coop Bank Personal Unsecured Check-off Loan
https://www.co-opbank.co.ke/borrow/personal-loan/
Minimum loan amount of Ksh 50,000. Maximum loan amount: KES 10,000,000. Maximum term of up to 132 months (11 years)
DTB Bank Personal Unsecured Loan
https://dtbk.dtbafrica.com/account/unsecured-loan
Check off Non-Check loan, unsecured loan. Minimum Kes 50,000 up to Kes 6 Million. Tenor 96 months (8 years).
ABSA Bank Personal Unsecured Loan
https://www.absabank.co.ke/personal/get-a-personal-loan/#personalloancalculator
Borrow up to KES6,000,000 with no collateral required as security. Flexible repayment options up to 96 months
Monthly Payments of Loans based on 16% Interest
Based on a 16% interest rate, the monthly payments for the maximum loan period would be: Co-op Bank, Ksh 12,107; KCB Bank, Ksh 12,563; DTB, Ksh 13,897; and ABSA, Ksh 13,897.
Note that the bank's interest rate would determine the actual amount.
STEP 2. DUT-THIDA
Sign a DUT Townhouse Investment and Development Agreement (THIDA) https://dut.or.ke/THIDA2025.pdf and put the Ksh 750,000 in the Diaspora University Trust account.
At this point, a DUT townhouse developer file will be open and will start developing one townhouse.
STEP 3. PAY INSTALLMENTS AS THE DUT DEVELOPS THE TOWNHOUSE
Pay the monthly installments to your bank.
DUT, on the other hand, will develop the townhouse in accordance with THIDA Article 4.
In about 12–48 months, the DUT Design-Build plan will complete the townhouse.
STEP 4. COMPLETED HOUSE MORTGAGE
Upon completion of the house, get a KMRC mortgage through your bank.
The mortgage at this point can include the Principal Balance of the unsecured loan (Step 1), and the House Development Cost (THIDA Article 4).
The table in step 1 illustrates how the principal balance is incorporated into a mortgage.
STEP 5. COMPLETED HOUSE USAGE
The owner can occupy their house and live in a well-planned town with a clean and healthy environment, a University, a level 5/6 university hospital, good basic education schools for children, and other amenities.
If the owner does not live in the house, the owner can lease the house to DUT in accordance with THIDA Article 12 and receive Ksh 65,000 a month.
STEP 6. COMPLETED HOUSE EQUITY
Upon completion, each house will have equity calculated as Sale Price less the mortgage value. The sale prices are recorded in the DUT THD page https://dut.or.ke/thd
- Year 1 Sale Price. Ksh 8 million
- Year 2 Sale Price Ksh 8.5 million
- Year 3 Sale Price Ksh 9 million
- Year 4 Sale Price Ksh 9.5 million
- Year 5 onward Market Price.
GDP GROWTH APPROACH
DUT uses the GDP Growth approach, which has grown the U.S. economy from $57 billion to the current $30 trillion. DUT will achieve a GDP of Ksh 20 billion.
