Tugende, Kenya: On a recent field trip in Nakruru, Kenya, members of the NMI team chatted with 22-year old boda boda driver and Nakuru local Fredrick Kuthua Kingua. Fredrick took out his first motorcycle loan with Tugende in February 2021 and managed to pay it down in full by June 2022.

He is a happy client, who, after completing his first loan, came back to Tugende for a second motorcycle loan in September 2022. He is committed to clearing this second loan within the shortest time possible, as he has seen his income greatly expand from owning his own bike.