It’s no secret the pandemic was especially tough on small and medium enterprises (SMEs), especially the many small cash-based businesses that operate in the informal sector. These businesses are the lifeblood of economies, the fact that they couldn’t generate incomes or apply for micro loans to stay afloat, had a knock-on effect on everything from employment to general community wellbeing.
In Kenya, SMEs account for 80% of jobs. In 2021 alone, an estimated
