Methodology

Data source: KBA has partnered with the credit reference bureau Metropol Kenya who provide monthly data on credit to MSMEs

Filters applied to data: 

Calculation of unique borrowers: Metropol creates a unique ID for clients based on the business or personal ID of the lender. This field is then used to count the number of unique clients. Whilst not perfect for individuals, as one person could open an account with their national ID at one bank and a different form of ID at another branch, the data quality is high and is reflective of the real number of individuals and businesses. 

Types of loan: this analysis covers the following types of loan: 

• Trade finance

• Business expansion loans

• Working capital loans

Other types of loan, such as business credit cards or mortgages are not covered.