Kenyan Women Redefining Land Ownership in Central Region

A notable shift is underway in Kenya's Central Region, where women are increasingly becoming significant players in the real estate market, challenging traditional land ownership norms.

Fueled by economic empowerment initiatives, evolving societal attitudes, and supportive government policies, this trend is reshaping the region's economic landscape.
Historically, land ownership in the fertile Central Region has been dominated by men due to deeply ingrained patriarchal customs. However, recent data from real estate firms indicates that women are not only actively participating in land transactions but, in some instances, surpassing men in property acquisitions.

This transformation highlights a broader movement towards gender equality and financial independence in Kenya. A 2018 survey conducted by the Kenya Land Alliance across 43 land registration centers provides statistical evidence of this shift. Counties such as Embu, Laikipia, Nakuru, and Murang'a report the highest percentages of women holding land documents, ranging from 38.31% to 61.48%.

In contrast, Kisumu, Siaya, Homa Bay, Vihiga, and Busia counties show the lowest percentages, remaining below 5%. Alicon Housing Real Estate CEO attributes the rise in female land ownership to several key factors. Government initiatives, such as the Women Enterprise Fund launched in 2007, have been instrumental in providing women with access to low-interest loans and crucial business training, empowering them to accumulate capital for land purchases.

Savings and credit cooperative societies (SACCOs) tailored specifically to women have also emerged as vital sources of financing. Real estate companies are adapting to this changing demographic by offering flexible payment options to prospective buyers. These include installment plans, mortgage options, and discounts, which are making property ownership more accessible to both men and women.

Urban expansion is another contributing factor, with women increasingly purchasing land for both residential and commercial purposes. In counties like Kiambu and Murang'a, women are investing in plots for rental housing and business premises, capitalizing on high land appreciation rates. Residential developments, such as Nyeri Amani Gardens, are attracting female buyers seeking prime residential land with readily available title deeds.

For many women, owning land represents financial stability and long-term security. Margaret Muringi, a small business owner in Nyeri, realized her ambition of becoming a landowner through years of diligent saving and a loan from her local SACCO. Holding her title deed, Muringi expresses a sense of accomplishment, emphasizing that land ownership provides her with a sense of security, eliminating the uncertainties associated with renting or potential displacement.