Borrowing from duka, loved ones is preferred option

Over 51pc of Kenyans will borrow from friends and relatives to help with emergency, while 18pc will sell their assets, livestock and poultry, get additional work or cut back on expenses to deal with the shock.

For most Kenyans in financial distress today, getting some bail-out cash is as easy as tapping on their smartphones. Is it?

No. Despite the ubiquity of lending platforms - from digital credit apps on their smartphones to shylocks at their workplaces - a new report on financial inclusion indicates that most Kenyans still rush to their friends and relatives when faced with an emergency.