MSMEs ECONOMY
BETA PILLAR 3
Reducing bureaucracy, providing affordable finance and building a credit culture that empowers micro, small and medium enterprises — through the Hustler Fund, eCitizen integration and MSME policy reforms that unlock growth for 7.4 million businesses.
1.43M
New workers absorbed by informal economy
KES 641B
Forex remittances in 2024 — Kenya's largest FX earner
27,000
New jobs in cotton, textile and apparel value chain
Ksh 500B
BETA commitment over 5 years for agriculture & MSMEs
Ksh 321B up from Ksh 226B
EAC exports (2022 vs 2025)
250,000
Jobs from sugar sector boost. 6m livelihoods supported.
TURNING PROMISES INTO PROGRESS
Transforming the MSME Economy addresses structural operational barriers for micro, small, and medium enterprises by establishing structured access to credit, removing punitive collateral requirements, and relaxing rigid local licensing regimes. The primary vehicle for this financial inclusion is the Financial Inclusion Fund, widely known as the Hustler Fund, which offers micro loans to small scale traders, transport operators, and market vendors. This intervention integrates the informal sector into the mainstream economy by backing cheap financial credit with business incubation training and direct market linkages.