You know, what's the rationale behind the business existing? yeah sure really simply

it's our mission and missions work especially if you if you do them right we grow business with capital and knowledge that is what we do so we serve a small nano and micro entrepreneur who is the backbone of the economy in kenya and actually emerging markets and economies all around the world.

And they are often very, very small with maybe $25 net income a day, or even gross income a day.

But they have very high margins.

They'll buy bananas at 12 cents a pound.

They'll sell them at 70 cents a pound.

They're making a 500% spread.

I'm intrigued by how do you protect your downside? I'm conscious that these are relatively very small loans so you know if one could argue that actually it's from your perspective it's fine you know they're not massive massive loans but you do have to protect yourself somehow so how does that all fit into this whole