Are high interest rates keeping Kenyans from borrowing

Most short term debt and long term debt have high interest rates that affect the way that people borrow in Kenya and apart from the Hustler Fund which has slightly lower interest rates loans which happen to be easily available are becoming harder to pay. Short term debt come in form of salary advances, mobile loans, and credit facilities being advanced to Kenyans have a chance of defaulting in maturity and especially since COVID 19 a lot of people that accessed.