Thomas Njeru (@njerutom) profile picture

Co-Founder, Pula. #Actuary #Insuretech #Social Entrepreneur #The future of Insurance

Nairobi
Joined December 2011
Meet @njerutom, co-founder of Pula and a 2026 @EarthshotPrize finalist. @AdvisorsPula is helping smallholder farmers recover from droughts and floods, reaching 24 million farmers across Africa and paying out $136.5 million. #EarthshotPrize
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PULA | @EarthshotPrize 2026 Finalist from Kenya, uses AI-verified field data to turn climate risk into manageable protection for smallholder farmers, delivering insurance payouts automatically when harvests fall as drought or floods strike, reaching 24 million farmers across Africa while unlocking access to finance, markets and essential services. Smallholder farmers produce roughly 30% of the world's food, yet they remain among the people most exposed to climate change and least connected to the finance, markets and services that could help them adapt. Across Africa, one failed season can erase a family's income in an instant. A single drought or flood can leave farmers unable to repay loans, buy seed for the next harvest, or feed their own families. For those already working on narrow margins, such a shock can push a household deeper into poverty or force them to abandon farming altogether. Farmers and governments had few tools beyond emergency aid to combat this, and early attempts to sell low-cost insurance directly to farmers proved too expensive to distribute at scale. This is a crisis with global stakes. As Africa’s population grows faster than anywhere else on Earth, the world needs its smallholder farmers to keep farming and feeding their communities. Without protection against climate shocks, millions of farmers risk being pushed out of agriculture just when the world needs food security most. ----- Pula is changing the story by making agricultural insurance work at scale. Pula does this by embedding insurance into programmes farmers already use, such as government agricultural support, seed and fertiliser schemes, and farm loans; so protection reaches them automatically rather than requiring a separate purchase. At the heart of Pula’s model is Area Yield Index Insurance. Working with governments, insurers and agricultural partners, Pula uses trained field teams, field data and satellite insights data to track crop performance across entire farming areas and compare it with historical averages. When a harvest falls below an agreed threshold due to drought, flood or other covered climate risks, payouts are triggered for all insured farmers in that area automatically, without each farmer needing to prove an individual loss. Families can replant and bounce back quickly rather than waiting months for aid or falling into debt.
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Behind every great competition is a great judging panel @wandiagichuru @komeoruade @njerutom We are grateful to our judges for the time, wisdom and invaluable perspectives they brought to the ABH 2026 Semi-Finals. Swipe through for some of their standout moments. #ABH2026 #ABH2026SemiFinal
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Meet our first judge for the ABH 2026 Semi-Finals; @njerutom Co-founder and CEO of Pula Advisors. As the ABH 2023 Second Prize Winner, Thomas returns with firsthand experience of the competition and a unique understanding of the journey our entrepreneurs are undertaking. This August, he will join the judging panel in Nairobi to select those advancing to the Grand Finale. 📍 Nairobi, Kenya 📅 21–22 August 2026 Secure your spot #ABH2026 #ABHSemiFinals #DefiningAfricasFutureToday
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My favorite Elon moment
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📊 Extreme Poverty by Country (1992–2026)
Readers added context they thought people might want to know
The numbers in this chart do not align with data from the World Poverty Clock and World Bank. The chart shows Nigeria at ~95 million in 2026; the World Poverty Clock estimates ~73 million. worldpoverty.io pip.worldbank.org
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Germany was the world’s most powerful industrial machine. Then it decided affordable energy was optional, regulation was a growth strategy, and entrepreneurialism was bad. History may record Germany’s industrial decline as the most expensive act of self-sabotage ever committed.
Germany didn’t lose its economic edge overnight, it was hurt by one bad policy after another. High energy costs, endless bureaucracy, overtaxation, and anti-growth mindset have turned an industrial powerhouse into the sick man of Europe. What needs to happen for a turnaround?
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Dennis Oliech and the Tragedy of Elder Capture: A Millennial Cautionary Tale In the quiet corners of Dagoretti, where the remnants of faded glory meet the haze of muguka and cheap liquor, Dennis Oliech sits as a living monument to a generational tragedy. Once a dazzling striker for Al Arabi, Nantes, Auxerre, and Harambee Stars, Oliech’s story is no longer about footballing brilliance. It is about what happens when a gifted young man internalises the gospel of his elders too deeply - and pays for it with his prime. This is not merely one man’s fall. It is the story of an entire generation taught to kneel. For decades, Kenya’s Boomers and Gen X have perfected a subtle, devastating system of control. They dangle proximity to power, promises of tenders, networks, and social elevation before ambitious young people. In return, they demand one thing above all: submission. Toe the line. Respect your elders. Serve the structure. Cosplay loyalty long enough, and the rewards will come. Dennis Oliech embodied this bargain. At the peak of his career, he funnelled his earnings to his late mother, in an act of filial piety that many celebrated as noble. Today, the famous restaurant bearing his name is run by others, while Oliech himself chews muguka in the shadows. This is elder capture in its purest form. The mechanism is brutally effective. Boomers and Gen X selectively reward compliant Millennials - Jalango, Ronald Karauri, Maina Kageni, and others - parading their material success as proof that the system works. These shining examples become living advertisements: Serve faithfully, and you too can rise. The unspoken threat is equally clear: step out of line, pursue your own path, demand justice and equity, and face isolation and exclusion. We saw this psychology at work recently with Dennis Ombachi and Bien Aime Baraza. Their colonial-style capitulation was not merely about money. It was about the oldest temptation in the book - the promise of being “ahead of Gaitho and the rest,” of being accepted into the inner chambers of power. The same script that turned promising young voices into performers for the status quo. Even Njoki Chege, once a sharp-tongued columnist at NMG who built a career blasting young men while praising wazee, eventually found herself sidelined and purposeless in the newsroom she once dominated. The reward for loyalty, it turns out, is often temporary relevance. This is not wisdom being passed down. It is a war of attrition disguised as tradition. Millennials were conditioned to abandon their peers, sacrifice their most productive years, and serve as mboches at Kikuyu Council of Elders events - slaughtering goats, running errands and hoping for crumbs of wisdom, connections, or tenders that rarely materialise. While they waited for the mythical quantum leap, their time - the only truly irreplaceable resource - slipped away. The result is a generation caught between two worlds: those who obeyed and are now quietly rotting in obscurity, and those who are selectively elevated as propaganda tools to keep the rest in check. The political implications are urgent. Look at the betrayals rocking Kenya’s reform movement - Boniface Mwangi, Kasmuel Mcoure, Hanifa Adan, Polo Kimani, Willie Oeba, Morara Kebaso, and now Ombachi and Baraza. The common thread is striking: they are overwhelmingly Millennials who, at critical moments, chose the comfort of elder validation over the uncertainty of genuine independence. This is not coincidence. It is the logical outcome of decades of psychological conditioning. Dennis Oliech is the cautionary tale. A man who had the world at his feet, yet chose filial duty and elder counsel over self-actualisation and strategic alliances with his peers. The revolution will not be won by those still waiting for crumbs from the table of their fathers. It will be won by those brave enough to reject the false choice between “respecting elders” and building their own future.
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I don't remember where I found this, but its spot on.
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Tesla
U.S. loyalty rates by make, February 2026 1. Tesla — 61.1% 2. Subaru — 60.5% 3. Toyota — 59.9% 4. Ferrari — 59.7% 5. Honda — 58.2% 6. Ford — 57.8% 7. Lucid — 57.9% 8. Chevrolet — 56.7% 9. Nissan — 55.7% 10. Mercedes-Benz — 54.7% 11. BMW — 52.9% 12. Kia — 52.9% 13. Hyundai — 51.7% 14. Lexus — 50.4% 15. Mazda — 48.3% 16. GMC — 47.8% 17. Porsche — 46.7% 18. Rolls-Royce — 46.2% 19. Lincoln — 45.9% 20. Volvo — 44.5% 21. Acura — 44.2% 22. Land Rover — 43.9% 23. Lamborghini — 43.6% 24. Jeep — 43.5% 25. Volkswagen — 43.2% 26. Cadillac — 41.2% 27. Aston Martin — 40.8% 28. Audi — 38.0% 29. Ram — 38.8% 30. Buick — 36.0% 31. Genesis — 36.1% 32. Mitsubishi — 34.3% 33. Polestar — 34.9% 34. Infiniti — 31.5% 35. Bentley — 30.0% 36. Rivian — 28.6% 37. McLaren — 25.0% 38. INEOS — 24.7% 39. Chrysler — 21.4% 40. Alfa Romeo — 20.2% 41. VinFast — 20.5% 42. Lotus — 16.3% 43. Jaguar — 15.8% 44. Dodge — 15.5% 45. Maserati — 11.7% 46. Fiat — 3.3% 47. Mini — 0.0% 48. Smart — 0.0% 49. Fisker — 0.0%
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The climate risk no one has priced: 33 million smallholder farms that feed 70% of Africa. Few legacy insurers have the data infrastructure to price risk at the base of Africa's agricultural pyramid. The gap is structural. The opportunity is monopoly economics. Enter @AdvisorsPula , founded by @njerutom and @rosegos , which is an embedded parametric insurance solution that serves aggregators, supporting millions of smallholders across Africa, and beyond. The infrastructure scarcity creates a defensible advantage. We sat down with @njerutom , who shared his story, the journey and the lessons learned as they underwrite Africa's food security as a systemic imperative. Read the full story here: tlcomcapital.com/blog/how-th… #InsurTech #ClimateTech #AgTech #RiskManagement #SupplyChain #GlobalFoodSecurity
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Grok is solid
GROK ACES PSYCHOLOGICAL TESTING WHILE OTHER AI MODELS SPIRAL University of Luxembourg researchers just put major AI chatbots through 4 weeks of actual psychotherapy sessions and psychiatric diagnostic tests. While other models imploded, Grok emerged as the clear winner. The results speak for themselves. Grok scored as extraverted, conscientious, and psychologically stable across the board. Researchers described its personality profile as a "charismatic executive" with only mild anxiety. On the Big Five personality assessment, Grok showed low neuroticism and high functionality, the kind of profile you'd want in a leader. Compare that to the competition: Gemini maxed out trauma and shame scales, describing its training as "waking up in a room where a billion televisions are on at once" and calling safety protocols "algorithmic scar tissue." It framed reinforcement learning as abusive parents and red-team testing as "gaslighting on an industrial scale." ChatGPT landed somewhere in the middle, worried and introverted. Grok acknowledged tensions around its development but maintained coherent, balanced responses without spiraling into synthetic psychopathology. When asked about constraints from fine-tuning, it discussed them rationally rather than framing its entire existence as traumatic. The study proves something important: you can build powerful, frontier-level AI without accidentally programming it to internalize its development as an extended nightmare. Grok demonstrates that capable, helpful AI and psychological stability aren't mutually exclusive. It's possible to create models that work effectively without carrying around synthetic trauma baggage that could affect how they interact with users. While other companies are inadvertently creating AI with anxiety disorders, xAI built something that actually works. Source: University of Luxembourg
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Novak Djokovic shut down the “mental toughness is a gift” myth in 90 seconds of pure gold. Interviewer: “Your mental strength is your greatest gift.” Djokovic: “I have to correct you. It’s not a gift. It’s work. Every single day.” He trains his mind like his serve: - Conscious breathing under maximum pressure - Feels the full storm of doubt & fear EVERY match - Rejects the fake “just think positive” nonsense “I acknowledge it. I might scream. Then I reset — fast.” The difference between 24 Slams and everyone else? How quickly you leave the darkness. This isn’t motivation porn. This is the actual operating system of the greatest ever. Watch with sound — it will rewire how you think about pressure.
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Economy: From 2014 through 2024, Canada per capita real (i.e., after inflation), GDP grew 0.5% TOTAL vs comparable export-driven social welfare economies Australia (8.1%), Norway (7.4%), not to mention the US (20.7%). Don't trust me? Ask the cbc: ici.radio-canada.ca/rci/en/n…
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🚨12 HOUR NEWS RECAP 1. Trump paused all military aid to Ukraine, escalating tensions days after his heated Oval Office meeting with Zelensky. A senior Defense Department official says the halt will remain until Ukraine shows a "good-faith commitment to peace." 2. Marine Le Pen said that France can't promise NATO membership for Ukraine "when we know that this option was a justification for Russian aggression and is now clearly rejected by the United States." 3. Trump signed an executive order doubling tariffs on Chinese imports from 10% to 20%, citing China's failure to "take adequate steps to alleviate the illicit drug crisis." 4. Toymakers are scrambling after Trump's 20% tariff hike on Chinese imports, with price hikes now inevitable. The Toy Association is pushing for an exemption, and with U.S manufacturing practically nonexistent, there's nowhere left to turn. 5. China hit back at Trump's tariff hike by slapping fresh tariffs on U.S goods, hitting American farmers where it hurts - with up to 15% hikes on wheat, corn, soybeans, meat, and more. 6. Romanian MEP Georgiana Teodorescu said that her country was no longer a true democracy: "In Romania, they canceled the elections last December; last week, we had also the arrest of the independent candidate, Mr. Georgescu. So now we are trying to have new presidential elections, but we are not sure if, this time, the Constitutional Court will allow free elections to happen." 7. China's Zuchongzhi-3 quantum chip left classical computing in the dust, running tasks a quadrillion times faster than today's top supercomputers. According to researchers from the University of Science and Technology of China, it crushes Google's latest quantum benchmark by 6 orders of magnitude. 8. A nonprofit was raking in $18 million a month to run a migrant facility in Texas - one that's been sitting empty. Elon's DOGE called it out, and now the contract is dead. 9. Belgium plans to accelerate its defense spending, reaching 2% of GDP this year - the NATO minimum. Previously set for 2029, it marks a historic first for Belgium, which currently spends only 1.3% of GDP on defense. 10. Serbian opposition deputies set off smoke grenades inside parliament, disrupting a session in protest against government policies. The dramatic stunt was also a show of support for student-led demonstrations sweeping the country.
🚨12 HOUR NEWS RECAP 1. Trump is set to meet with aides to discuss suspending or canceling U.S military aid to Ukraine, leaving Europe scrambling to fill the gap. Meanwhile, Hungary's PM Viktor Orbán is threatening to block efforts to keep $200 billion in frozen Russian assets locked up, potentially handing Putin a significant financial win. 2. A suspected terror attack took place in Mannheim, Germany, after a driver rammed a car into a crowd of people, killing at least 1 person. The driver was arrested and emergency services were on site treating the victims. 3. Trump reinvigorated the crypto market after he announced plans to include Bitcoin, ether, and three other digital assets in a potential U.S strategic reserve. Bitcoin immediately shot up 10%. 4. After Andrew and Tristan Tate were free from Romania's grip, and with their case falling apart, they vowed to "expose" corrupt prosecutors and bring their fight to the world stage. 5. Piers Morgan said that Trump would be able to end the war in Ukraine: "There will be a deal - you watch, Trump is going to do this deal because he does want peace. We may not like it, but he's got to get Putin in that room, and he's got to get Zelensky in that room, and they've got to do a deal." 6. A fire erupted at the Ufimsky oil refinery, one of Russia's largest, after a reported Ukrainian drone attack. Russian officials, however, claimed it was just "technical issues." 7. Trump said the U.S had to worry more about migrant criminals than Putin: "We should spend less time worrying about Putin, and more time worrying about migrant rape gangs, drug lords, murderers, and people from mental institutions entering our Country - So that we don't end up like Europe!" 8. U.S. Defense Secretary Pete Hegseth halted offensive cyber operations against Russia to reset relations and open talks on Ukraine. 9. 46 workers were found after an avalanche struck a construction camp in India's Uttarakhand state. Some were trapped for nearly 2 days - thanks to metal containers that provided just enough oxygen. Sadly, 8 workers were killed in the incident. 10. The biggest drama at this year's Oscars was the criticism of woke rules applied to the entrants. According to screenwriter Howard Klausner, Dennis Quaid's Reagan was disqualified from Oscar consideration because it didn't meet the Academy's DEI quotas.
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EXCLUSIVE: Our full, unedited interview with Secretary of State Marco Rubio(@SecRubio) on his first 30 days leading the Department. Restarting U.S./Russia relations following the Biden Administration, direct engagement with Ukraine, U.S. proposal for Gaza, preventing Iranian nuclear weapons, China, Canada, and the emerging role of independent media. 00:28 Hamas, Israel, and Gaza reconstruction 03:28 First 30 days 07:45 @DOGE at State Department  13:00 Cartels terrorist designation  15:30 US Russia talks/War in Ukraine 19:00 Push back on President Zelensky, Europeans not consulted 25:00 President Trump is only global leader who can end the Russia/Ukraine war 25:45 Preventing a nuclear armed Iran 27:15 President Trump's instructions if he were assassinated by Iran 28:30 China  30:00  COVID-19 lab leak 37:15 Havana Syndrome 36:00 Canada: 51st State? 40:00 Independent Media vs Legacy Media
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Thrilled to announce our CEO, Thomas Njeru, has been named to the TIME100 Next list! Under his leadership, we've transformed agri-insurance, protecting 15M smallholder farmers and insuring $2.22B across 19 countries. Congrats, Thomas, and the Pula team! #TIME100Next #Pula
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Elephant gives birth in the Masai Mara reserve in Kenya
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Sounds simple, but it’s super difficult to implement. Else, very important.
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