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It sounds like Bibi means different things depending on the region you're in. When I was living in Kenya, I was occasionally referred to as Bibi, although I was in my early 20's, unmarried, and very clearly not a grandma. I was told it was sort of like "lady." I've also heard nyanya for grandmother before as well.
In Bantu languages , when we talk about relations like aunt, grandma , sister and brother you don't qualify it with "my" if it refers to your relative. It is implied. When you talk with someone close to you , even when you are talking about their father, sister or mother etc, you avoid qualifying it with "your" since it may be considered rude and distancing yourself from them. In some circumstances it is even considered rude to say "your mother" in some languages. Swahili may be different but this is good to know.