Our economy seems to be run and supportive of only large scale businesses. Though I've not done an indepth research into the sectors, it seems that business of volumes in never going to take place in kenya unless you have businesses that run turnovers of tens of millions to really benefit from anything economic that kenya has to offer. Our economy encourages "matope tupu" schemes and a conman system in place to encourage theft and exploitation. Banks : Openly tell you deposit maximum interest rates @ 6% while borrowing loan rates @ 14-17%!! Oil companies buy crude at different prices but will not pass it on to end users. LPG cooking gas has been on the rise ever since. There are too many sectors to pick on, including our neareast ones i.e Service Providers. So ever wonder why prices will never drop, here's a simple example. If you borrow Ksh 5 million over 5 years @ 14% borrowing rate, monthly repayment is about Ksh 110,000/-!! So as a business, which is no charity in the first place, will pass on this expense to customers. Customer end up paying a further cost of 10-15% of what the original costs are. 15% plus the usual heavy markups = 35-50%. Heavy markups because costs like hiked rent, electricity, security, transport are being passed on to end users. Will things ever become cheaper, hakuna. This is the state of almost fake economies. Those who are buying properties and going on mortages as business investments better watch out. Today an apartment rent can cost as much as 80,000/-. Who excatly is going to pay this when they can borrow and finance it themselves? Why do I say fake economy. Look at the poverty and the number of increasing slums. Infact soon we should be labelled slum city or informal settlements because there is hardly anything much being done about the settlements in terms of solutions. Wherever there is a small empty space, there will be a shack soon enough. Population boom, heavily taxed middle income sector........... I wonder how many businesses are running in the RED because of heavy borrowing with killer interest rates? Or businesses are not in the RED because they are charging very heavy markups on services/products? What excatly is the solution? If you must borrow, then hit on markups and everyone should stop complaining of things being expensive. Afterall, the banks exploit everyone yet no one has closed their bank accounts either. My thots...