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access to credit access to financial Africa agricultural assets Bank of Kenya Bank of Mauritius bankers Banking Act banking sector banking system billion borrowers building societies capital markets cent Central Bank Co-operative commercial banks companies competition corporate David Mwiraria debt deposits Development Finance DFIs domestic efficiency environment exchange rate financial institutions financial markets financial sector reform financial services financial system fiscal foreign banks foreign exchange market Forum framework funds Government Printer improve income increase Institutions MFIs interest rate spreads investment issues Kenya Commercial Bank Kenyan banks Kshs Laws of Kenya lenders lending rates liquidity Lombard Rate mainstream banks MFIs micro-finance Minister for Finance monetary policy Nairobi Nairobi Stock Exchange NBFIs Non-Performing Loans NPLs operations parastatals participants payments private sector privatisation problems reduce regulation regulatory requirements risk role Rural Finance SACCOs state-linked banks subsidies supervision Treasury bills World Bank