well let's discuss this with our correspondent joy to ream bera who joins us from the kind of caf so nairobi joy during just why entrepreneurs finding it so difficult to get the credit they need at the moment at the moment because of the lockdowns it's been so difficult for small businesses to make ends meet and so making regular repayments of loans has been difficult which has led to log book as floral and liquidity and we're also seeing that the interest rates are still the same as precaution and all precaution $1000.00 and that means that we the inflow of cash for most businesses they are unable to meet the interest rates that the financial institutions are asking for but also there is the issue of an attractive business models that some of these entrepreneurs have which has just meant the you know borrowing environment quite very difficult for them just going by the fact that they do not meet the requirements to get these loans these loans themselves how do they work i mean are they safe. well there is a core tyria that is followed by the micro finance institutions when giving out loans