Rinse the dried beans under cold water and remove any debris. Add the rinsed beans, bay leaves, and diced onions in a large pot and cover them with fresh water. Bring to a boil, and cook under medium heat. Cover and cook until they are tender. Drain and set aside.
In a separate large pot, heat the palm oil over medium heat. Add chopped onion to the pot. Cook for 2-3 minutes until the onion is translucent.
Stir in the minced garlic and browned ground beef, and cook for another 1 minute until fragrant.
Add paprika, cayenne pepper, thyme, salt, and seasoning powder to taste. Stir in the diced tomatoes (with their juices) and whole habaneros and cook until softened.
Add bell pepper and simmer for 3 - 5 minutes. Stir to combine all the ingredients.
Bring the mixture to a simmer, then reduce the heat to low. Cover the pot and let the stew simmer, stirring occasionally, to allow the flavors to meld together.
Pour it into the already cooked beans. Add some water to your liking, taste it, and adjust the seasoning as needed.