Resurfaced Video of Pastor Ng’ang’a Discouraging Debt-Driven Lifestyles Gains Traction Amid Recent Safaricom Fuliza Limit Adjustments

A TBT video of Pastor Ng’ang’a criticizing Safaricom Fuliza loans trends as Kenyans navigate recent changes to their mobile overdraft credit limits.

By: AXL Media

Published: Apr 30, 2026, 6:31 AM EDT

Source: Information for this report was sourced from TUKO.co.ke

The Intersection of Clerical Warning and Financial Reality

A previously recorded sermon by Pastor James Ng’ang’a has found a renewed audience following recent fluctuations in Safaricom’s popular Fuliza overdraft service. The timing of the clip’s resurgence coincided with a period between April 27 and 28, 2024, when thousands of M-Pesa users reported significant adjustments to their borrowing limits. While some subscribers received increases to their short-term credit facilities, others faced unexpected reductions, sparking a nationwide conversation about mobile lending dependency and the volatility of digital credit scores.

Criticizing the Cycle of Mobile Debt

In the footage, Pastor Ng’ang’a specifically targeted the necessity of mobile overdrafts for daily expenses and asset acquisition. He questioned why individuals would utilize credit facilities for non-essential purchases, suggesting that a righteous person should be willing to face physical challenges rather than succumb to debt. The cleric notably criticized the use of loans to purchase touchscreen phones on long-term payment plans, characterizing such behavior as living beyond one’s means. According to Ng’ang’a, these financial tools serve as traps that erode discipline and hinder an individual's ability to live a normal, spiritually aligned life.

Financial Trends and Increasing Reliance on Overdrafts

The concerns raised in the video are underscored by recent financial data indicating a sharp rise in Kenyan mobile borrowing. Safaricom’s half-year results for the 2025/2026 period revealed that Fuliza usage surged by nearly 40 percent compared to the previous year. Total borrowing through the service reached KSh 629.2 billion, with the user base expanding by 1.6 million people. These figures reflect a growing national reliance on the facility to bridge income gaps, a trend that critics argue validates the pastor's warnings regarding the systemic nature of digital debt.