Making Business Work for Dukas

Understanding the Financial Health of Small Shops in Africa

 Photo: Anne Gachoka

Photo: Anne Gachoka

Juma*, a small shop owner in Nairobi‚Äôs Kibera slum, is in a bind. Despite having run a business for the last five years, he is still unable to get a loan from a bank to grow his business to meet increasing customer demands and diversify his stock. Juma is locked out of the formal financial system. He is neither able to access digital loans because he is not smartphone-ready. His only remaining option is to source cash from friends. What next for Juma? Read our post on making business work for dukas