Noteworthy progress includes, the increase in the banked population from 24 percent to 67 percent between 2006 and 2013 as highlighted by the FinAccess Surveys conducted by FSD Kenya between 2006 and 2013. A Geospatial Survey that was conducted in 2013 also estimates that 76.7 percent of the Kenyan population is within a 5km radius of a financial access point.
You are even prohibited from holding onto dollars without permission. It is currently illegal to quote or make payments in hard currency. In the circumstances, therefore, there is a limit to which the Kwacha can depreciate. While it is difficult to estimate that limit, it is definitely the amount of money to purchase hard currency that matters most.