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Nou kenbe pwomès nou… Nou detwi kay Lanmò San Jou ak katye jeneral gang 400 Mawozo a. Pifò ladan yo kouri ale san yo pa menm eseye goumen. Ala lach yo lach! 🥲

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Kenyans borrowed a staggering KES 1.16 TRILLION through Safaricom's Fuliza in just six months to September 2026. That's an 84% increase from KES 629 billion a year earlier. Put that into perspective: Kenyans accessed approximately KES 6.3 BILLION in Fuliza overdrafts every single day. The number of customers using Fuliza nearly doubled, jumping 88.9% from 9.1 million to 17.2 million. But here's where the economics gets interesting. The average Fuliza advance actually dropped from KES 254.60 to just KES 192. In other words, more Kenyans are accessing smaller amounts of credit. We are talking about people borrowing KES 50, KES 100 or KES 200 to complete transactions. Sometimes it's transport, sometimes groceries, sometimes stock for a small business. What does this tell us about the Kenyan economy? First, Fuliza has become an important financial shock absorber. Millions of Kenyans can complete transactions even when their available cash falls short. That's financial innovation solving a genuine liquidity problem. Second, these numbers raise uncomfortable questions about household liquidity, disposable incomes and the financial resilience of our SMEs. When short-term credit becomes part of everyday transactions, we must ask whether incomes are keeping pace with expenditure. Third, Safaricom and its lending partners have built a formidable digital-credit business. Fuliza generated approximately KES 4.9 billion in revenue over the six months, up 86%. And now Sidian Bank has joined NCBA and KCB as a lending partner, further expanding the banking infrastructure supporting Fuliza. But let's understand something important: KES 1.16 trillion represents cumulative borrowing, NOT KES 1.16 trillion in outstanding debt. Customers can borrow, repay and borrow again. For banks and Safaricom, this represents an enormous commercial opportunity. For households and entrepreneurs, it provides convenient access to short-term liquidity, but repeated borrowing can also become expensive. My biggest takeaway? Kenya has built one of the world's most remarkable mobile-money ecosystems. We have made borrowing money incredibly convenient. The next economic challenge is making it equally possible for Kenyans to earn, save, invest and build enough financial resilience that borrowing becomes a choice rather than a daily necessity. Because the real measure of financial inclusion is not simply how easily people can borrow KES 200. It is whether their economic circumstances improve enough that they no longer need to borrow it every morning.