Kwa muhtasari
Mwaka 2025 kilimo kilichangia karibu robo ya Pato la Taifa, na katika sensa ya mwaka 2019 nusu ya kaya zote zilikuwa zikijishughulisha na kilimo. Mwaka 2025 kilimo, misitu na uvuvi vilizalisha thamani iliyoongezwa ya shilingi bilioni 4,071.0, sawa na asilimia 23.2 ya Pato la Taifa, baada ya ukuaji halisi wa asilimia 3.11. Kwa mujibu wa takwimu za Benki ya Dunia, thamani hii ilikuwa sawa na dola za Marekani bilioni 31.52. Sensa ya mwaka 2019 ilihesabu kaya 6,354,211 zinazojishughulisha na kilimo, yaani asilimia 52.3 ya kaya zote (ukokotoaji wetu), na asilimia 88.7 ya kaya hizo zililima hasa kwa ajili ya kujikimu3. Makadirio ya kimodeli ya Shirika la Kazi Duniani (ILO) yanaonyesha kuwa kilimo kilichangia asilimia 45.8 ya ajira mwaka 20258. Kenya haijafanya sensa kamili ya kilimo tangu uhuru, na matokeo ya sensa ya kwanza, ya mwaka 2025/26, yalikuwa bado hayajachapishwa hadi Oktoba 20269.
Uzalishaji unajumuisha mazao makuu ya chakula kwa soko la ndani pamoja na mazao ya kuuza nje. Uzalishaji wa mahindi ulikadiriwa kuwa magunia milioni 45.8 ya kilo 90 mwaka 2025, na uzalishaji wa chai iliyosindikwa tani elfu 550.44. Mauzo nje ya mazao mabichi ya bustani yaliingiza shilingi bilioni 143.8 mwaka 2025, ambapo maua yalichangia shilingi bilioni 81.34. Kwa mujibu wa takwimu za FAOSTAT, mwaka 2024 Kenya ilikuwa nchi ya tatu duniani kwa uzalishaji wa majani ya chai na ya kwanza kwa uzalishaji wa maziwa ya ngamia (upangaji wetu wa nafasi)10. Mashamba madogo, ambayo KNBS inayafafanua kuwa mashamba yenye ukubwa wa chini ya hekta 20, yalichangia asilimia 71.6 ya mauzo ya mazao yaliyouzwa sokoni na kurekodiwa mwaka 20254.
Mwaka 2025 Kenya iliuza nje bidhaa za kilimo na chakula zaidi kuliko ilivyoagiza. Kwa mujibu wa takwimu za UN Comtrade, mwaka 2025 Kenya iliuza nje bidhaa za kilimo na chakula zenye thamani ya dola za Marekani bilioni 4.78 na kuagiza kutoka nje bidhaa za aina hiyo zenye thamani ya dola bilioni 3.597. Kahawa, chai na viungo vilichangia dola bilioni 1.88 za mauzo nje, na mimea hai na maua dola bilioni 0.88, huku nafaka (dola bilioni 1.20) na mafuta ya mimea (dola bilioni 1.12) zikiongoza katika uagizaji7.
Mikopo ya benki kwa sekta ya kilimo ni midogo ikilinganishwa na uzalishaji wa sekta hiyo. Mwishoni mwa mwaka 2025 benki za biashara zilikuwa na mikopo ya kilimo ya shilingi bilioni 197.9, takriban dola za Marekani bilioni 1.53 na asilimia 4.6 ya jumla ya mikopo, na asilimia 19.3 ya mikopo hiyo ilikuwa chechefu (ukokotoaji wetu)65. Utafiti wa FinAccess wa mwaka 2024 ulibaini kuwa chanzo kikuu cha ugharamiaji wa shughuli za kila siku za kilimo kilikuwa mapato ya kilimo yaliyowekezwa tena, kwa asilimia 49.311. Riba ya Banki Kuu (CBR) imekuwa asilimia 8.75 tangu Februari 2026 na ilibaki katika kiwango hicho katika kikao cha tarehe 7 Oktoba 20261213.
Ukame ndiyo changamoto iliyotajwa mara nyingi zaidi mwaka 2024. Katika utafiti wa FinAccess wa mwaka 2024, ukame ulishika nafasi ya kwanza miongoni mwa changamoto za kilimo, kwa asilimia 19.211. Kwa mujibu wa takwimu za ERA5, misimu yote mitano ya mvua kuanzia Oktoba 2020 hadi Desemba 2022 ilikuwa na mvua chini ya wastani wa kipindi cha 1991β2020, kwa hadi asilimia 54 (ukokotoaji wetu)14. NDC ya pili ya Serikali inakadiria hasara za kiuchumi zilizotokana na ukame wa mwaka 2022 kuwa zaidi ya shilingi bilioni 7015.
Masuala muhimu kwa fedha za kilimo
Sekta kubwa yenye sehemu ndogo ya mikopo ya benki
Uwiano mkubwa wa mikopo chechefu
Kilimo kinachotegemea mvua kinaathiriwa na ukame
Matumizi mapana ya njia za kidijitali za huduma za fedha
Ruzuku ya pembejeo kupitia vocha za kielektroniki
Vyanzo vilivyorejelewa katika ukurasa huu
- Economic Survey 2026 (PDF) β Kenya National Bureau of Statistics (KNBS)kimethibitishwa
- World Development Indicators β Agriculture, forestry and fishing value added (current US$), NV.AGR.TOTL.CD (API, JSON) β World Bankkimethibitishwa
- 2019 Kenya Population and Housing Census, Volume IV: Distribution of Population by Socio-Economic Characteristics (PDF) β Kenya National Bureau of Statistics (KNBS)kimethibitishwa
- Economic Survey 2026, Chapter 7 Agriculture Sector (Tables 7.1-7.23, PDF pages 202-224) β Kenya National Bureau of Statistics (KNBS)kimethibitishwa
- IMF, Exchange Rates (ER) dataset β Kenya, domestic currency per US$ (end of period and period average) β International Monetary Fund (IMF), Statistics Departmentkimethibitishwa
- Bank Supervision Annual Report 2025 (PDF) β Central Bank of Kenya (CBK)kimethibitishwa
- UN Comtrade β Kenya, agri-food trade (HS chapters 01β24) by partner, 2025 (public preview API, JSON) β United Nations Statistics Divisionkimethibitishwa
- World Development Indicators β Employment in agriculture (% of total employment, modelled ILO estimate), total, female and male, SL.AGR.EMPL.ZS, SL.AGR.EMPL.FE.ZS, SL.AGR.EMPL.MA.ZS (API, JSON) β World Bankkimethibitishwa
- 2025/26 Kenya Census of Agriculture (KCA), web page of 7 July 2026 β Kenya National Bureau of Statistics (KNBS)kimethibitishwa
- FAOSTAT Production: Crops and livestock products, bulk download all countries (CSV, release of 23 December 2025) β Food and Agriculture Organization of the United Nationskimethibitishwa
- 2024 FinAccess Household Survey, main report (PDF) β Central Bank of Kenya (CBK), KNBS and FSD Kenyakimethibitishwa
- Central Bank Rate, history of MPC decisions (web page) β Central Bank of Kenya (CBK)kimethibitishwa
- Monetary Policy Committee press release, meeting of 7 October 2026 (PDF) β Central Bank of Kenya (CBK)kimethibitishwa
- ERA5 reanalysis country-average monthly precipitation and temperature, Kenya, 1950-2024 (API, JSON) β World Bank Climate Change Knowledge Portalkimethibitishwa
- Kenya's Second Nationally Determined Contribution (2031-2035), 2025 (PDF, Climate Policy Radar copy of the UNFCCC submission) β Ministry of Environment, Climate Change and Forestry (Kenya), via Climate Policy Radarkimethibitishwa
- Advancing food security through agricultural innovation and youth empowerment, news release, 27 June 2025 β Ministry of Agriculture and Livestock Development (MoALD)kimethibitishwa
- World Development Indicators β Agriculture, forestry and fishing, value added (% of GDP), NV.AGR.TOTL.ZS (API, JSON) β World Bankkimethibitishwa
- Economic Survey 2021 (PDF) β Kenya National Bureau of Statistics (KNBS)kimethibitishwa
- Bank Supervision Annual Report 2010 (PDF) β Central Bank of Kenya (CBK)kimethibitishwa
- Bank Supervision Annual Report 2011 (PDF) β Central Bank of Kenya (CBK)kimethibitishwa
- Bank Supervision Annual Report 2012 (PDF) β Central Bank of Kenya (CBK)kimethibitishwa
- Bank Supervision Annual Report 2013 (PDF) β Central Bank of Kenya (CBK)kimethibitishwa
- Bank Supervision Annual Report 2014 (PDF) β Central Bank of Kenya (CBK)kimethibitishwa
- Bank Supervision Annual Report 2015 (PDF) β Central Bank of Kenya (CBK)kimethibitishwa
- Bank Supervision Annual Report 2016 (PDF) β Central Bank of Kenya (CBK)kimethibitishwa
- Bank Supervision Annual Report 2017 (PDF) β Central Bank of Kenya (CBK)kimethibitishwa
- Bank Supervision Annual Report 2018 (PDF) β Central Bank of Kenya (CBK)kimethibitishwa
- Bank Supervision Annual Report 2019 (PDF) β Central Bank of Kenya (CBK)kimethibitishwa
- Bank Supervision Annual Report 2020 (PDF) β Central Bank of Kenya (CBK)kimethibitishwa
- Bank Supervision Annual Report 2021 (PDF) β Central Bank of Kenya (CBK)kimethibitishwa
- Bank Supervision Annual Report 2022 (PDF) β Central Bank of Kenya (CBK)kimethibitishwa
- Bank Supervision Annual Report 2023 (PDF) β Central Bank of Kenya (CBK)kimethibitishwa
- Bank Supervision Annual Report 2024 (PDF) β Central Bank of Kenya (CBK)kimethibitishwa
- Mobile payments statistics, monthly table (web page) β Central Bank of Kenya (CBK)kimethibitishwa
- Global Findex database (source 28), borrowing indicators fin22a, fin22a_1 and fin22a.22a1.22g.d (% age 15+), World Bank API β World Bankkimethibitishwa
- PS Ronoh flags off 99,000 metric tonnes of subsidised fertiliser at the Port of Mombasa, news release, 8 September 2026 β Ministry of Agriculture and Livestock Development (MoALD)kimethibitishwa
- Launch of the 2025 long rains National Fertilizer Subsidy Programme (NFSP) at the NCPB GPC depot, Nairobi, news release, 18 December 2024 β Ministry of Agriculture and Livestock Development (MoALD)kimethibitishwa
Kwa maelezo zaidi na maoni, tafadhali wasiliana na serkan.veziroglu@prosperaimpact.com.