Traditional banking models rely heavily on physical collateral and formal records, yet because many local enterprises operate in the informal or semi-formal sectors, they often lack fixed assets...
By
Julius Ouma
Managing Director
Faulu Microfinance Bank
Despite being the heartbeat of local commerce and accounting for the vast majority of new jobs created annually, micro, small, and medium enterprises (MSMEs) remain trapped in a severe credit crunch.
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Kenya’s banking sector non-performing loan (NPL) ratio has been stubbornly high, hovering around 15.6 per cent.
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