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Finance coach and advisor Margaret Njeri says the most common sources of debt for women are mobile loans, Sacco loans, missed or defaulted chama contributions, credit card debt, and informal borrowing from friends, family and shylocks. Business loans are also a common source of debt.
Debt can have an emotional impact on women, leading to feelings of guilt, shame, and anxiety. Socially, it limits freedom and can lead to isolation for those who feel embarrassed. Economically, it restricts access to savings, investments and growth opportunities, delaying financial independence.
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