Millions of Kenyans rely on loans to make ends meet.

And getting a loan from dozens of companies is especially easy if you have a mobile phone.

But many are unable to repay what they have borrowed - 400,000 people are on the government’s credit blacklist, some for as little as $2.

The Central Bank governor says he wants to crack down on mobile lenders – some using unscrupulous methods to lure Kenyans into debt.

Al Jazeera's Catherine Soi reports from Nairobi.

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