Exam scores are being used to build student loan credit reports in Kenya
Just 4.4 % of Kenya’s 45 million citizens have a personal bank loan, compared to the almost 80% of Americans with some form of credit facility, a situation that has developed from the sheer infeasibility of collecting adequate data on much of the population.
![Students sit for TVET exams in Rwamagana last year. File. Students sit for TVET exams in Rwamagana last year. File.](https://www.newtimes.co.rw/uploads/imported_images/files/main/articles/2017/03/01/1488327131Students-sitting-for-TVET-Exams-in-Rwamagana-last-year.jpg)
Students sit for TVET exams in Rwamagana last year. File.