This book examines the challenges faced by micro and small enterprises (MSEs) in Kenya. It specifically focuses on the financial challenges the businesses encounter in their daily operations. Financial options available for the MSEs, reliability and the efficiency with which the finance is utilized by the entrepreneurs is assessed. The author observes that most of the MSEs in Kenya depend on informal sources for their finance and that such finance is not only unreliable but also inadequate. He posits that the available formal sources are either too expensive for the businessmen or not well...