to kenya a leader in the world of mobile payments more than 70 percent of the population has a mobile cash account allowing them to withdraw or deposit money from their phone that's also helped kenyans to get quick and easy access to loans to tide them over until payday but there are drawbacks kenya has $49.00 credit apps each offering micro loans of between $10.00 and $400.00 their initially charged at an interest rate of between 5 and 27 percent but that can easily soar to a daunting 150 percent if you fall behind with your payments and one behind seems to be something that happens more often to those holding a mobile account than others just 2 percent of regular commercial bank customers default on their loans with mobile account customers it's 18 percent meaning they need to take out more debt just to pay back their previous lives and for more on that i'm joined now by joy to rein barrow who joins us in nairobi joy do tell us

please how widespread is the problem of getting into debt through taking out micro loans via any of those credit apps. to start with i think it's important to just see that moss these borrowers of between the ages of 26 and 35 and maybe crossing into the early forty's as well and so we have about 6500000 more well girls in the country today and one of the challenges that wasn't obese is that they're servicing multiple loans what they do is the downward several . lending us and then have to service is loans because the wyly on and service the other by taking another loan and also of course the fact that the a high interest rates that the are not aware of because when they are signing up for these loans they don't really read through the entire agreement they just agree or click agree on the mobile phones and then have this money on the phones as well

but what they forget is that this interest is is deducted out from so if you take $400.00 the interest after and you probably have about 3 maybe $350.00 something dollar is all your phone and so repaying back has to be done on a weekly basis or in a monthly basis and if you haven't paid it by the end of these agreed upon time period then you are either at risk of being listed at the credit reference bureau which is like blacklisting you for not paying up you know all right well a pretty tricky situation there and of course we know that there are $49.00 different credit apps are they all legit. yes at the moment they're registered 49 are legit but these are challenges because they're not regulated and with this it means that consumer data protection is is not guaranteed what this

means is that these mobile landon's how the right to dig into your bustling information because when you're signing up for these small loans part of the argument is to give up your past when you don't organize not details like you g.p.s. location your social media accounts and also your call s.m.s. logs on your mobile phone so when you do full it these mobile lenders also dig into your call logs and call some of the people that you close to and our right to tell you to pay up you're not ok gary ranging wants carry situation and their joy during their reporting from nairobi thank you so much. and 2800 wonder banned the import of secondhand clothes to protect its domestic textile industry the move sparked a trade war with the united states and resulted in one day being expelled from the africa growth and opportunity act that allows sub-saharan african countries to

export goods to the u.s. duty free now a blow to run the economy not quite one year on the country has adapted remarkably well. there are certainly enough for all materials to underpin a thriving textile industry and learned well and cotton are abundant so retailers and textile producers were quick to adapt to the new situation. now only domestically produced or imported new clothing is on sale in rwanda tailors in the capital kigali are working harder than it any time before i know when i've been a tailor for 7 years the import ben didn't affect me run into believing us they buy the cloth and we saw it and. they're willing to pay more for it as well. good for those working for the house of tyo label the fashion company was founded by designer matthew regard 8 years ago. i think that it was

a very important step by you know with the government banning secondhand clothing because we need to grow our industries we need to create jobs we need to create our own product because this grows a country in so many different ways. blending african and international designs has made sure matthieu regarded as house of toil label became well known abroad but in the main the rwandan textile industry has shown to be focused on domestic demand. in local. textiles industries must be encouraged but they must compete if they think that mr africans are going to accept an awkward it is a pipe price in the name of the school to come from kenya or from another country i think that's all going to work and globally as well the instruments of protection. under global trade regions are increasingly no one lording so that means that they will not be protected from it if it is long long you have a small window. to import burnell and 2nd term clothes has boosted opportunities for the entire rwandan textile sector unable in people here to build stable

livelihoods again. while and when the government acted to protect the domestic textile industry other african countries still depend on the goodwill of foreign textile companies that's how the disposable fashion industry came into disrepute as it tends to exploit workers in developing countries the deadly rana plaza factory collapse in bangladesh 6 years ago shocked consumers in europe and prompted a change in attitude now germany has launched the so-called green initiative labeling system that aims to help consumers make informed choices about the clothes they buy to ensure a fair unsustainable manufacturing conditions in developing nations. bangladeshi textile worker she'll be round darts had to have her m.p. tainted she was working as a sewing machine operator in the run up plaza factory when it collapsed back in 2013. my mother said to the doctor how can

she live with only one arm she might as well be dead. rana plaza in bangladesh the worst industrial accident in the textile industries history more than a 1000 people died when the building collapsed more than 2000 were injured it was a wake up call for the industry which employs more than 120000000 people worldwide like these in ethiopia mainly women sometimes children they toil under social and labor conditions that are often unpleasant and dangerous. the green button label a miss to identify companies that produce ethically and allow scrutiny of their supply chains. firstly i'd like to congratulate those textile firms who are showing that it can be done fair supply chains from bangladesh to berlin

and to certification there are also critics who say that this can't work well it works and it shouldn't be limited to just textile supply chains to begin with the greenback will apply to the sewing and pattern cutting and dying in bleaching processes some 75000000 people work in these areas in coming years the program will also expand to scrutinize spinning and weaving and cotton production $27.00 companies have so far fulfilled the green button criteria some had been skeptical at 1st. north and north and it's another symbol another city figured who understands it anyway isn't it all too much we've changed a lot of people's opinions dramatically and that's moved us to make sure that all the companies that are involved here are thoroughly checked for their commitment and that this gives them an accreditation with objective values. even. if it did critics complain that the certification is only voluntary but it's

a start and the hope is that it will begin a rethink by consumers and that nudging them like this might have better results than another round of e.u. regulations. 3 of us all for business africa here on d w for me the team member alan thanks for giving us company. it's. odd.

place. the woman is pulled over. branches mistreat that mom is brutal methods to maximize the and she. seumas never see or hear it come across it's come rolling in. the cost of the. song the 60 minutes long t.w. . coach of the feminists the sure link to africa the more folks the link to exception stories and discussions. of

easy ally with safety down below come smash the freak out join us on facebook. for . the for. this year's africa coming up on the program pope francis drops off the. been offered to me asked what impact. also coming out. before i'm asked to go racial tensions are running high at least 10 people have been killed in the last week alone we think and look at what the hatred. i am. it's great to have you with us. weeklong visit of south africa with

a mass on monday tens of thousands of faithful we've palm branches arrived by hope will be. reverend jackson. in 1000 century french missionary minister that misleads france's people to look up abbas a role model for the voiceless and a country where less than a 3rd of the population is seen by many as a unifying figure correspondent. for the people besides i spoke. with an interfaith family outing to the great jack. beatified french missionary. was born a hindu but is now a christian bunny monday's hindu and and mary is christian each year they come here together. and you have problems i come here to talk about it with.

doesn't always come right away but it does come. and i want to be good nice to meet them would. that be simpler to take the view. that you're not going now growing man is saying they. would have started. in the middle of the 19th century. to have converted tens of thousands of people on their wishes but he did more than preach he treated freed slaves as equals and gave a voice to the poor many here still call them the apostle of the riches. is important for everyone on earth. he's a symbol of the country's unity if you give. people flocked to him you can

see this is a disgrace and. people from all religions and cultures honor him as a spiritual father. and as a father figure. the population of moorish assists in do the rest is made up of christians muslims and buddhists. the mosque right next to it hindu temple in morris's that is totally normal it is a very religious country but in the same time very tolerant. the pope's visit is a special honor for all faiths here. we do not consider did hear about the whole muslim community here welcomes the pope's. well without even after all we are all one people dr yes and. what about just we were through with one paper john paul

the 2nd visited in 1989 the 2nd we just as thrilled by the current pope's visit we welcome everyone who stands for peace yet maybe you'd probably say why do you want these at least a correspondent in a crash will send 1000 reports astelin more racist and he joins me now and it's nice to see you so how did people react to the pope's visit in my wishes. well very it is the artistic edia the mood was very good here clearly when the pope arrived at the mosque a tens of thousands had these power branches waving with them as a sign of peace and they were keenly listening to what the pope has to say and especially about his his message to the youth that was quite important in his speech trying to tell the country to focus on the youth but also telling the same thing to the church because you have to know that marie is an upper middle income country it's been doing very well since independence especially compared to other african countries it's seen as

a role model but this growth of the country has seen did not reach everyone especially not many parts of the youth you have lots of graduates here who find it difficult to find employment and this is why you have a little bit of a divide in the society this is what the pope talked about and after he addressed the masses i talked to some of the listeners and this is what they had to say about the poor people. to be very sensitive to what them. and to say what we have the schip program you know government do you suppose you shamefully can you show opposed to bring a good balance but still you know the people in. very poor money do not even have the place to sleep and fortunately. there is. you know in the shadow you know i think it's some land and

people get. so everyone over all fired reactions there but across africa there seems to be an increase in support of the catholic church why is that . oh absolutely and while in europe the population is shrinking it is growing in most parts of the continent and so is the numbers of catholics and of christians in general is projected or estimated that by 206040 percent of the christians in the world will be living in africa and well i overheard somebody saying here today earlier that well back in the days it was europe sending priests to africa nowadays it's the other way around that is of course something that the pope has also noticed and he has seen how important africa is he definitely gave the continent much more attention than some pope's before and so he also gave some of his bishops more power.