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Best Side Hustles for Kenyatta University Students That Pay Via M-Pesa: All You Need to Know

  • BY Norah Waceke
  • July 13, 2025
black man using laptop

Kenyatta University (KU), located along Thika Superhighway in Nairobi, hosts over 74,000 students, many of whom face financial challenges due to the rising costs of tuition, accommodation, and daily expenses. For students relying on Higher Education Loans Board (HELB) disbursements or limited family support, side hustles offer a practical way to achieve financial independence while balancing academics. With M-Pesa’s dominance in Kenya—handling over KSh 30 trillion in transactions annually—side hustles that pay via this mobile money platform provide convenience and instant access to earnings. This comprehensive guide explores the best side hustles for Kenyatta University students that pay via M-Pesa in 2025, highlighting flexible, low-investment opportunities tailored to student schedules.

Why Side Hustles Matter for KU Students

Side hustles are essential for KU students to supplement income, gain practical skills, and build financial discipline. With Kenya’s high youth unemployment rate (over 20% in 2024) and limited on-campus job opportunities, side hustles provide a pathway to financial stability. M-Pesa’s seamless payment system, used by over 46 million Kenyans, makes it easy for students to receive earnings instantly, whether from local or international clients. These ventures also allow students to develop entrepreneurial skills, network, and prepare for future careers, all while fitting around class schedules.

Benefits of Side Hustles That Pay Via M-Pesa

  • Instant Payments: M-Pesa allows immediate access to earnings, ideal for covering urgent expenses like hostel fees or textbooks.
  • Low Transaction Costs: M-Pesa charges minimal fees (e.g., Ksh 15–30 for withdrawals under Ksh 2,500), maximizing student earnings.
  • Accessibility: With 83% internet penetration in Kenya, online side hustles can be managed via smartphones, widely available to KU students.
  • Flexibility: Many side hustles allow students to work evenings or weekends, fitting around lectures and study time.
  • Skill Development: Side hustles build skills like time management, marketing, and communication, enhancing employability.

Top Side Hustles for KU Students That Pay Via M-Pesa

Below are the best side hustles for Kenyatta University students in 2025, selected for their low entry barriers, M-Pesa compatibility, and alignment with student lifestyles. Each includes startup requirements, earning potential, and platforms to get started.

1. Freelance Writing

  • Overview: Freelance writing involves creating blog posts, articles, or academic content for clients worldwide. Despite AI disrupting the industry, demand for human-written, high-quality content remains strong.
  • Startup Requirements:
    • Smartphone or laptop with internet
    • Free portfolio creation on platforms like Google Docs or WordPress
    • Registration on freelance platforms (e.g., Upwork, Fiverr, iWriter)
    • Basic writing skills (avoid AI-generated content due to client detectors)
  • Earning Potential: Ksh 2–5 per word for beginners; experienced writers earn Ksh 50,000–100,000/month.
  • M-Pesa Payment Platforms:
    • Upwork: Withdraw via M-Pesa through Payoneer.
    • iWriter: Direct M-Pesa payments for Kenyan writers.
    • Local clients: Direct M-Pesa transfers via platforms like IntaSend.
  • Why It’s Great for KU Students: Flexible hours allow writing during evenings or weekends. KU’s strong English programs equip students with the skills needed.
  • Tips:
    • Build a portfolio with sample articles.
    • Pitch to local businesses or blogs near Kahawa Sukari.
    • Avoid plagiarism to maintain credibility.
  • Challenges: Competitive market; requires consistent pitching to secure clients.

2. Thrifting (Second-Hand Clothing Resale)

  • Overview: Students buy mitumba (second-hand) clothes from markets like Gikomba or Eastleigh and resell them online or to peers via social media.
  • Startup Requirements:
    • Initial capital: Ksh 1,000–5,000 for inventory
    • Smartphone for high-quality photos
    • Social media accounts (Instagram, WhatsApp, Jiji, Facebook Marketplace)
  • Earning Potential: Ksh 500–2,000 profit per item; monthly earnings of Ksh 10,000–50,000 with good marketing.
  • M-Pesa Payment Platforms:
    • Direct M-Pesa payments from buyers via phone numbers.
    • Jiji and Facebook Marketplace support M-Pesa transactions.
  • Why It’s Great for KU Students: KU’s fashion-conscious student community in Kahawa Sukari and Roysambu creates high demand for trendy, affordable clothes. No physical shop is needed.
  • Tips:
    • Focus on fast-moving items like dresses or sneakers.
    • Use Instagram Reels to showcase outfits.
    • Visit Gikomba early for high-quality stock.
  • Challenges: Requires branding skills and consistent inventory sourcing.

3. Social Media Management

  • Overview: Managing social media accounts for local businesses or influencers, including content creation, scheduling, and engagement.
  • Startup Requirements:
    • Smartphone or laptop with internet
    • Free tools like Canva, Hootsuite, or Buffer
    • Basic knowledge of platforms (Instagram, Twitter, LinkedIn)
  • Earning Potential: Ksh 5,000–20,000/month per client; experienced managers earn Ksh 50,000+.
  • M-Pesa Payment Platforms:
    • Direct M-Pesa payments from local clients.
    • Upwork and Fiverr withdraw to M-Pesa via Payoneer.
  • Why It’s Great for KU Students: KU’s proximity to Nairobi’s business hub allows students to manage accounts for local shops in Thika Road Mall or Gateway Mall.
  • Tips:
    • Offer discounted services to local businesses to build a portfolio.
    • Learn basic SEO and analytics for better results.
    • Network with KU student organizations for gigs.
  • Challenges: Requires staying updated with social media trends.

4. Online Tutoring

  • Overview: Tutoring peers or younger students in subjects like mathematics, English, or sciences via platforms like Zoom or WhatsApp.
  • Startup Requirements:
    • Smartphone or laptop with stable internet
    • Expertise in a subject (e.g., KU’s strong education or science programs)
    • Free platforms like Zoom or Google Meet
  • Earning Potential: Ksh 500–2,000/hour; monthly earnings of Ksh 10,000–30,000.
  • M-Pesa Payment Platforms:
    • Direct M-Pesa payments from students or parents.
    • Platforms like Preply or TutorMe support M-Pesa via PayPal or IntaSend.
  • Why It’s Great for KU Students: KU’s academic excellence allows students to tutor peers or high school students in nearby Kasarani or Ruiru.
  • Tips:
    • Advertise on KU noticeboards or WhatsApp groups.
    • Offer group sessions for higher earnings.
    • Focus on high-demand subjects like math or languages.
  • Challenges: Requires strong communication and scheduling skills.

5. Delivery Services

  • Overview: Delivering food, groceries, or parcels using platforms like Glovo, Uber Eats, or Jumia, ideal for students with bicycles or motorbikes.
  • Startup Requirements:
    • Bicycle or motorbike (optional)
    • Smartphone with GPS
    • Registration on delivery platforms (free)
  • Earning Potential: Ksh 300–1,000/day; monthly earnings of Ksh 15,000–40,000.
  • M-Pesa Payment Platforms:
    • Glovo, Uber Eats, and Jumia pay directly to M-Pesa weekly.
  • Why It’s Great for KU Students: High demand in Kahawa Sukari and Roysambu for food and grocery deliveries. Flexible hours suit class schedules.
  • Tips:
    • Work during peak hours (evenings, weekends) for higher earnings.
    • Focus on areas near KU for shorter trips.
    • Ensure a reliable bike for efficiency.
  • Challenges: Physical demands and fuel costs for motorbikes.

6. Fruit and Snack Kiosk

  • Overview: Selling fruits, juices, or snacks like chips and smokies near KU’s main gate or student hostels.
  • Startup Requirements:
    • Initial capital: Ksh 10,000–30,000 for kiosk setup, permits, and stock
    • Reliable supplier (e.g., local markets in Kahawa Wendani)
    • Basic equipment (table, blender for juices, optional fridge)
  • Earning Potential: Ksh 500–2,000/day; monthly earnings of Ksh 15,000–50,000.
  • M-Pesa Payment Platforms:
    • Direct M-Pesa payments from student customers.
  • Why It’s Great for KU Students: KU’s large student population creates steady demand for affordable snacks. Locations near Nyayo Zone or Kahawa Sukari hostels are ideal.
  • Tips:
    • Offer value-added products like fresh juices.
    • Hire a part-time helper to manage during classes.
    • Ensure hygiene to comply with health permits.
  • Challenges: Requires initial capital and health licenses.

7. Graphic Design

  • Overview: Creating logos, flyers, or social media graphics for businesses or student events.
  • Startup Requirements:
    • Smartphone or laptop with free design tools (Canva, Adobe Express)
    • Basic design skills (learn via YouTube or KU’s digital media courses)
    • Portfolio on Behance or Instagram
  • Earning Potential: Ksh 1,000–5,000 per project; monthly earnings of Ksh 10,000–30,000.
  • M-Pesa Payment Platforms:
    • Direct M-Pesa payments from local clients.
    • Upwork and 99designs withdraw to M-Pesa via Payoneer.
  • Why It’s Great for KU Students: KU’s communication and media students can leverage their skills for campus events or local businesses in Kasarani.
  • Tips:
    • Design for KU clubs or events to build a portfolio.
    • Offer competitive rates to attract initial clients.
    • Learn trending design tools like Adobe Photoshop.
  • Challenges: Competitive field; requires continuous skill improvement.

8. Transcription Services

  • Overview: Converting audio or video files into text for clients, such as podcasts or webinars.
  • Startup Requirements:
    • Smartphone or laptop with good headphones
    • Free transcription software (e.g., Otter.ai)
    • Registration on platforms like Rev or Speechpad
  • Earning Potential: $0.25–$1 per audio minute (Ksh 30–120/minute); monthly earnings of Ksh 10,000–30,000.
  • M-Pesa Payment Platforms:
    • Rev and Speechpad pay via M-Pesa through PayPal or IntaSend.
  • Why It’s Great for KU Students: Requires minimal startup costs and can be done from hostels in Kahawa Sukari or Ruiru.
  • Tips:
    • Practice with free audio files to improve speed.
    • Join transcription platforms with M-Pesa support.
    • Ensure accurate work to avoid penalties.
  • Challenges: Requires attention to detail and fast typing skills.

9. Affiliate Marketing

  • Overview: Promoting products via referral links on social media or blogs, earning commissions per sale.
  • Startup Requirements:
    • Smartphone with internet
    • Social media or blog (free platforms like WordPress)
    • Registration on affiliate programs (e.g., Amazon Associates, Jumia Affiliate)
  • Earning Potential: Ksh 100–5,000 per sale; monthly earnings of Ksh 5,000–20,000 with consistent effort.
  • M-Pesa Payment Platforms:
    • Jumia Affiliate pays directly to M-Pesa.
    • Amazon Associates pays via Payoneer, convertible to M-Pesa.
  • Why It’s Great for KU Students: Passive income potential suits busy schedules. KU’s tech-savvy students can promote products to peers.
  • Tips:
    • Focus on niches like gadgets or fashion popular among KU students.
    • Use Instagram or WhatsApp for promotion.
    • Learn basic SEO to increase clicks.
  • Challenges: Requires time to build an audience and generate sales.

10. Virtual Assistance

  • Overview: Providing administrative support like email management, scheduling, or data entry for businesses.
  • Startup Requirements:
    • Smartphone or laptop with internet
    • Basic organizational skills
    • Registration on platforms like TimeEtc or PeoplePerHour
  • Earning Potential: Ksh 1,000–3,000/hour; monthly earnings of Ksh 10,000–30,000.
  • M-Pesa Payment Platforms:
    • TimeEtc and PeoplePerHour pay via M-Pesa through PayPal or IntaSend.
    • Local clients pay directly to M-Pesa.
  • Why It’s Great for KU Students: Flexible remote work suits students in Nyayo Zone or off-campus hostels.
  • Tips:
    • Offer services to KU lecturers or local startups.
    • Build a LinkedIn profile to attract clients.
    • Learn tools like Google Calendar or Trello.
  • Challenges: Requires strong organizational skills and reliability.

Factors to Consider When Choosing a Side Hustle

KU students should evaluate side hustles based on their skills, time, and financial goals. Key factors include:

1. Time Commitment

  • Choose hustles like freelance writing or affiliate marketing that fit around class schedules.
  • Delivery services and kiosks require more physical time but offer instant earnings.

2. Startup Costs

  • Low-investment options like transcription (Ksh 0–1,000) or thrifting (Ksh 1,000–5,000) suit students with limited capital.
  • Kiosks require higher initial costs (Ksh 10,000–30,000).

3. Skill Requirements

  • Leverage KU’s academic strengths (_ROS_0 (e.g., writing, design).
  • Develop new skills via free online resources (e.g., YouTube tutorials for graphic design).

4. M-Pesa Compatibility

  • Ensure the hustle supports direct M-Pesa payments or platforms like Payoneer/IntaSend for conversions.
  • Local hustles (e.g., thrifting, kiosks) naturally align with M-Pesa.

5. Market Demand

  • Focus on high-demand services like food delivery or social media management in Kahawa Sukari and Roysambu.
  • Online hustles tap into global markets via platforms like Upwork.

6. Scalability

  • Hustles like thrifting or social media management can grow into full-time businesses.
  • Affiliate marketing offers passive income potential over time.

How to Get Started with a Side Hustle

  1. Identify Your Skills: Assess your strengths (e.g., writing, design, communication) and match them to a hustle.
  2. Research Platforms: Join M-Pesa-friendly platforms like Glovo, Jumia Affiliate, or Upwork.
  3. Set Up M-Pesa Payments:
    • Link your M-Pesa number to platforms like IntaSend for seamless transactions.
    • For international platforms, use Payoneer or PayPal with M-Pesa conversion.
  4. Build a Portfolio: Create samples (e.g., writing, designs) to attract clients.
  5. Market Your Services:
    • Use KU WhatsApp groups, noticeboards, or social media to reach peers.
    • Leverage Instagram Reels or Jiji for local sales.
  6. Track Earnings: Use M-Pesa statements to monitor income and expenses.
  7. Stay Consistent: Dedicate 5–10 hours weekly to build momentum.

Processing Time: Online platforms activate accounts within 24 hours; local hustles start immediately after setup.

Challenges and Solutions

Challenges

  • Time Management: Balancing classes and hustles can be demanding.
  • Competition: Online platforms like Upwork are highly competitive.
  • Initial Costs: Kiosks or thrifting require upfront investment.
  • Payment Delays: Some international platforms have slower payout schedules.

Solutions

  • Schedule Wisely: Work evenings or weekends to avoid clashing with lectures.
  • Stand Out: Build a strong portfolio and network locally at KU.
  • Start Small: Begin with low-cost hustles like transcription or affiliate marketing.
  • Choose M-Pesa Platforms: Prioritize direct M-Pesa payments (e.g., Glovo, Jiji) for faster access.

Recent Reviews and Trends

Recent insights from sources like Tuko.co.ke, Business Radar, and Kiihela Library highlight:

  • Freelance Writing: Remains popular despite AI challenges, with M-Pesa payments via Upwork and iWriter.
  • Thrifting: Highly profitable due to demand for affordable fashion among KU students.
  • Delivery Services: Glovo and Uber Eats are top choices for flexible, M-Pesa-paid work.
  • Social Media Management: Growing demand from local businesses in Nairobi.
  • Market Trends: Kenya’s digital economy is booming, with 83% internet penetration and M-Pesa’s dominance driving side hustle growth.

A 2025 Tuko.co.ke article notes that online jobs paying via M-Pesa are transforming student finances, offering flexibility and low entry barriers.

Tips for Success

  1. Leverage KU Community: Market services to peers via WhatsApp groups or campus events.
  2. Use Free Tools: Utilize Canva, Otter.ai, or WordPress to minimize costs.
  3. Learn Digital Skills: Watch YouTube tutorials to improve writing, design, or marketing skills.
  4. Network Locally: Connect with businesses in Kahawa Sukari or Thika Road Mall for gigs.
  5. Track Finances: Use M-Pesa’s transaction history to budget and save earnings.
  6. Stay Ethical: Avoid plagiarism in writing and ensure quality in all services.

Case Study: Brian’s Thrifting Success

Brian, a third-year KU student, started thrifting with Ksh 2,000, buying dresses from Gikomba and selling them via Instagram to peers in Nyayo Zone. Using M-Pesa for payments, he earned Ksh 20,000 in his first month, covering his hostel fees and saving for a laptop. His success came from consistent marketing and targeting KU’s fashion-conscious students.

Side hustles that pay via M-Pesa offer Kenyatta University students a flexible, accessible way to achieve financial independence. Freelance writing, thrifting, and social media management provide low-investment, high-return opportunities, while delivery services and kiosks cater to KU’s vibrant student market. Online tutoring, graphic design, transcription, affiliate marketing, and virtual assistance leverage digital platforms for global reach, with M-Pesa ensuring instant payments. By choosing hustles that align with their skills and schedules, KU students can cover expenses, build skills, and prepare for future careers. Start today by exploring platforms like Upwork, Glovo, or Jiji, and leverage M-Pesa’s convenience to turn your hustle into a steady income stream.