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Kenya is also fairly unique on the continent, outside of South Africa, in that you can access pretty good internet. We pay attention to emerging markets for online services and we've noticed recently that Kenya is coming up strong in terms of demand.

In the past year especially, many of the loan uses we are seeing in Kenya are computer or internet-related. The internet is spreading fast among young adults. Here is a pretty typical account, posted a few days ago by one of our new members:

"Despite being born and raised in the rural parts of Kenya, I have managed to train and get tech savvy. I grew up with no electricity and i first saw a computer when i was 19years old when i enrolled for further studies. I put in long hours after classes just to be able to catch up with my peers. I learnt to create programmes and i had my first commercial software in the second year of campus. In my fourth year of campus, I had to drop out of school because of lack of school fees. I got a job that enabled me to save up enough money to clear my studies."


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