How business owners finance their ventures in Kenya

Business owners in Kenya relied largely on personal resources to finance their ventures in 2025.

Personal or own savings and investments accounted for 46 per cent, while 42 per cent was self-financed from funds generated.

Loans or savings from a chama contributed 36 per cent. Borrowing from friends and family members stood at 21 per cent, while funding from banks or financial institutions accounted for 20 per cent.

Loans from mobile money apps made up 15 per cent.

Microfinance from microlenders stood at 4 per cent, while loans from shareholders or owners accounted for 3 per cent.