Walk through any street in Nairobi, scroll through your phone, or ride a matatu, and you’ll be offered a loan. It will come fast, with minimal questions — sometimes faster than you can reflect on whether you need it. That’s the paradox of our time: Credit is everywhere, but financial clarity is hard to find. Borrowing, in itself, is not the enemy. Across the world, credit enables growth — it fuels business expansion, pays for education, helps households manage cash flow, and acts as a bridge during tough seasons. The real issue in Kenya is not access to credit. It…