1) No country became sustainably great based on working for the government. China's ascent started in 1979 AFTER the liberalization [encouragement of the private sector] not due to government jobs or largesse.
2) The civil service in Kenya is too large a % of the total workforce leading to inefficiencies & fiefdoms. The recurrent expenditure out-weighs development expenditure. The latter provides sustainable growth.
3) The self-employed taxpayer NOT the civil servant is the ultimate taxpayer in an economy like Kenya. Kenya has few extractive industries so the 'real income' is from the self-employed esp farmers. Everything else is a derivative.
4) Most civil servants are NOT as hard-working as the self-employed. They open at 9am & close at 5pm. To serve my customers, I will work over lunch, open early & almost always work beyond 5pm. I do not expect a pension, no subsidies, pay VAT, withholding tax, etc. My side hustle is my main hustle. My sick days means no income. My vacation days means no income. My time spent queuing at government offices since the (un)civil 'servant' is having tea, talking on the phone or gossiping means no income.

There are so many organizations that offer their employees subsidized benefits top among them banks. Aren't bank employees some of the very few who access the cheapest loans in this country- gets to 5% p.a without security. Who complains???
When its the civil sufferers then it's oh this and that.....

hi guys, As a non-civil servant is there any way I could qualify in abtaining a flat in this scheme?? Please Advise

hi guys, As a non-civil servant is there any way I could qualify in abtaining a flat in this scheme?? Please Advise