"While interest rates have shot up everywhere over the last couple of years, a double-digit borrowing cost remains one of the most obvious warning signs that all is not well in our country. Kenya was compelled to refinance at a higher interest rate to offset the $2bn bond payment looming in June 2024," said Dr Nyakang'o.
She also warned that high-interest rates on domestic and foreign loans, as well as the shilling's depreciation, risked increasing the debt burden to "unmanageable levels."
Even amid such questions, the president has justified his bullish outlook on the economy. For starters, he has pointed out the shilling's recent gain against the dollar, from a highest-ever exchange rate of Sh164 against the greenback to the Sh139 recorded last week. Kenya's currency has in the last few days stabilised in the mid-Sh140s to the dollar but the dangers of another free-fall loom large.
Then there is the matter of the unga prices that have stayed lower than those witnessed during the tail end of former President Uhuru Kenyatta's tenure and Ruto's first months in office.
Kenya Kwanza's fertiliser subsidy, Ruto has said, had seen an increase in production and subsequent drop in unga prices.
But other commodity prices have soared, propelled by record-setting fuel costs that are just now easing a bit. This is coupled with job losses in the formal sector that the Federation of Kenya Employers (FKE) estimated at 70,000 last November, amid increased operating costs.
"Ruto lives in a separate reality. Even when the FKE told us the economy lost jobs last year he was claiming he created jobs," says Nairobi Senator Edwin Sifuna. "All these things only exist in his head.
The ordinary Kenyan cannot relate to anything Ruto says because the reality they live in is totally different from the rosy one he paints."
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Dr Njagi believes that the data, such as depressed economic activities and reduced consumer power, tell a different story from the president's.
"The data will always tell you the truth and in terms of debt, it shows we will be in distress for the near future. Maybe the president is just trying to be optimistic. As a leader he has to give people hope but I believe it's always best to tell the people the true situation as it is," adds the economist.
Gichinga also foresees a "challenging" outlook, courtesy of heavy taxation and high interest rates on borrowing and the fact that the government is increasing spending more of its tax revenue to service debt, which Treasury's data shows was 98 per cent in January.
"There are real risks to our growth. High taxes and interest rates make it tougher for businesses to operate. Banks are pricing interests at 27 per cent and the government is proposing to introduce VAT on educational services, which means that the disposable income of households will dwindle," says Gichinga on the broad outlook of the economy. "But some sectors might perform better and others will struggle.