We will need to find a solution to this complex problem. Observing both historic and expected demographic trends shows continued growth in the Arab and ultra-Orthodox segments of the population. If these labor market trends continue, we will reach a situation where half of the population belongs to sectors where labor force participation is low, while the other half finances it.
Similarly, it is high time that Kenyans henceforth adhere to their credit contract terms in order to build favourable credit track records for use as information collateral.   Second, the CBK and KBA have formed a committee to drive forward the recommendations of the study. The formation of the committee reflects the importance attached to the study by both KBA and CBK.