The Chief of the Kenya Defence Forces (KDF), General Charles Kahariri, has warned military personnel against engaging in exploitative money-lending practices and financial misconduct, saying such behaviour could undermine discipline and affect their personal welfare.

Kahariri issued the warning on Saturday, October 17, 2026, during his KDF Day commemorative tour, which included visits to troops deployed under Operation Maliza Uhalifu in Doldol and personnel at the School of Military Engineering in Archers Post, Isiolo County.

The military chief cautioned soldiers against shylocking, a form of informal lending often associated with excessively high interest rates and harsh debt-recovery practices. He urged service members to manage their finances responsibly and avoid arrangements that could place them in financial difficulties.

According to reports, some informal lenders in Kenya charge monthly interest rates ranging from 20 to 30 per cent, with certain short-term loans reportedly attracting even higher rates. Such arrangements can leave borrowers struggling with growing debts.

The warning comes amid concerns over financial disputes involving some military personnel. Reported cases include soldiers allegedly borrowing large sums from civilian lenders for business ventures before failing to repay the money.

Other cases have involved allegations of individuals seeking money from members of the public by promising to secure them recruitment opportunities in the military.

KDF personnel who engage in fraud or conduct that violates military discipline may face disciplinary proceedings under the Kenya Defence Forces Act, 2012. Depending on the offence and circumstances, penalties can include fines, imprisonment, dismissal from service or reduction in rank.

During his tour, Kahariri also reaffirmed the military’s commitment to improving soldiers’ welfare, strengthening professional development and modernising the armed forces.

He urged all personnel to uphold integrity, discipline and professionalism while carrying out their duties, emphasising that responsible financial behaviour is part of maintaining an effective and disciplined military.

The warning forms part of the military leadership’s wider efforts to promote accountability and protect the welfare of service members.