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Street vendors fear borrowing. “I don’t want to be arrested for defaulting on Sh400,” said one. A reality captured in KHRC Factual Findings by the Kenya Human Rights Commission. #ReadTheKHRCReport

According to KHRC Factual Findings by the Kenya Human Rights Commission, while a sausage vendor was able to launch a business through the fund, such success stories are rare. KHRC Factual Findings #ReadTheKHRCReport Kenya Human Rights Commission

Low financial literacy is a key challenge; some beneficiaries misuse or underutilize loans due to lack of knowledge on managing funds. KHRC Factual Findings #ReadTheKHRCReport Kenya Human Rights Commission

KHRC Factual Findings indicate that beneficiaries without business plans often default. The Kenya Human Rights Commission recommends pre-loan business coaching. #ReadTheKHRCReport

KHRC Factual Findings show small loans often bridge personal emergencies. The Kenya Human Rights Commission urges integration of social support into microcredit plans. #ReadTheKHRCReport

According to KHRC Factual Findings, group borrowing among boda boda riders improves repayment consistency. The Kenya Human Rights Commission sees this as a scalable model. #ReadTheKHRCReport

The Kenya Human Rights Commission affirms in KHRC Factual Findings that survival spending overshadows investment among low-income borrowers. #ReadTheKHRCReport

Vendors avoid it fearing city raids. KHRC Factual Findings reveal structural barriers. The Kenya Human Rights Commission advocates safe access to credit. #ReadTheKHRCReport.

KHRC Factual Findings reveal perception gaps, with beneficiaries expecting instant financial transformation. The Kenya Human Rights Commission urges realistic communication. #ReadTheKHRCReport

According to KHRC Factual Findings, a lack of repayment consequences emboldens defaults. The Kenya Human Rights Commission calls for accountability reforms. #ReadTheKHRCReport

KHRC Factual Findings highlight that small capital can work if paired with reinvestment discipline. The Kenya Human Rights Commission urges showcasing success stories. #ReadTheKHRCReport

The Kenya Human Rights Commission finds in KHRC Factual Findings that students often misuse loans, proving the need for targeted borrower categories. #ReadTheKHRCReport

KHRC Factual Findings from the Kenya Human Rights Commission show that financial literacy is extremely low among beneficiaries. Many don't understand how to use or repay the funds effectively, leading to misuse and default. #ReadTheKHRCReport

KHRC notes that borrowers lack financial training. Many can’t plan, budget, or calculate repayment. KHRC Factual Findings | Kenya Human Rights Commission #ReadTheKHRCReport

KHRC Factual Findings suggest expanding limits for proven repayers could boost impact. The Kenya Human Rights Commission supports performance-based growth. #ReadTheKHRCReport

The Kenya Human Rights Commission confirms through KHRC Factual Findings that micro-loan design flaws restrict transformative potential. #ReadTheKHRCReport

A sausage vendor launched a whole business with just Sh1,000. But these stories are the exception, not the norm. Most beneficiaries are still stuck in survival mode. KHRC Factual Findings #ReadTheKHRCReport Kenya Human Rights Commission

KHRC Factual Findings show beneficiaries often borrow for emergencies, not ventures. The Kenya Human Rights Commission suggests emergency-specific products. #ReadTheKHRCReport