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![kinjeketile Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::66126175.png) Dr. Ho Yinsen [@kinjeketile](/creator/twitter/kinjeketile) on x 15.7K followers
Created: 2025-07-21 16:36:51 UTC

I suspect a bigger problem is how Mpesa led to laziness in credit growth. 
Everyone wants to high interest rate M-vitus and banks have gotten even lazier in increasing borrowing to the private sector, besides crowding out.


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