The shortages and for the cues. To kenya a leader in the world of mobile payments more than 70 percent of the population as a mobile cash account allowing them to withdraw or deposit money from their phone thats also helped kenyans to get quick and easy access to no news to tide them over until payday but there are drawbacks kenya has 49. 00 credit apps each offering micro loans of between 10. 00 and 400. 00 their initially charged at an Interest Rate of between 5 and 27 percent but that can easily saw to a daunting 150 percent if you fall behind with your payments and one behind seems to be something that happens more often to those holding a mobile account than all those just 2 percent of regular commercial banks customs default on their loans with mobile account cost to most its 18 percent meaning they need to take out more debt just to pay back their previous nouns and for more on that im joined now by joy to rein barrow who joins us in nairobi joy do tell us please how widespread is the problem of getting into debt through taking out micro loans by any of those credit ups. To start with i think its important to just see that moss these borrowers are between the ages of 26 and 35 and maybe crossing over into the early fortys as well and so we have about 6500000 more well borderless in the country today and one of the challenges that wasnt obese is that theyre servicing multiple loans what they do is the down not several. Lending us and then have to service is loans because the t. T. Y. Lawn and service the other by taking another loan and also of course the fact that the a high Interest Rates that are not aware of because when they are signing up for these loans they dont really read through the entire agreement they just agree or click agree on the mobile phones and then have this money. As well but what they forget is that this interest is is deducted from so if you take 400. 00 it did out the interest after protests and you probably have about 3 maybe 350. 00 something donna is only a phone and so repaying back has to be done either on a weekly basis or in a monthly basis and if you havent paid it by the end of these agreed upon time period then you are either at risk of being listed at the Credit Reference Bureau which is a lot like blacklisting you for not paying up in loans all right well a pretty tricky situation there and of course we know that there are 49 different credit apps are they all legit. Yes at the moment theyre registered 49 are legit but these are challenges because theyre not regulated and with this it means that consumer Data Protection is is not guaranteed what this means is that these mobile lenders how the right to dig into your brussel information because when youre signing up for these loans part of the argument is to give up your dont organize not details like you g. P. S. Location your social media accounts and also your call s. M. S. Logs on your mobile phone so when you do full it these mobile lenders also dig into your call logs and call some of the people that you close to and as arrives to tell you to pay up youre not ok thank you very ranging wants gary situation and their joy during their reporting from nairobi thank you so much. And 2800 wonder banned the import of secondhand clothes to protect its domestic textile industry the move sparked a trade war with the United States and resulted in one day being expelled from the Africa Growth and opportunity act that allows subsaharan african countries to export goods to the u. S. Duty free now a blow to run the economy not quite one year on the country has adapted remarkably well. There are certainly enough for all materials to underpin a thriving textile industry and learned will and cotton are abundant so retailers and textile producers were quick to adapt to the new situation. Now only domestically produced or imported new clothing is on sale in rwanda tailors in the capital kigali are working harder than it any time before i know when ive been a tailor for 7 years the import ben didnt affect me run into believing us they buy the cloth and we saw it and. Theyre willing to pay more for it as well. Good for those working for the house of tyo label the Fashion Company was founded by designer matthew regard 8 years ago. I think that it was a very important step by you know with the government banning secondhand clothing because we need to grow our industries we need to create jobs we need to create our own new product because this grows a country in so many different ways. Blending african and international designs has made sure matthieu regarded as house of toil label became well known abroad but in the main the rwandan textile industry to show be focused on domestic demand. In local Textiles Industries must be encouraged but they must compete if they think that the stuff accounts are going to accept an awkward pipe price in the name of the school to come from kenya or from another country i think thats all going to walk and globally as well the instruments of protection. Under global trade regions i increasingly know one lording so that means that they will not be protected from it if it is long long you have a small window. To import burnell 2nd term clothes has boosted opportunities for the entire rwandan textile sector enabling people here to build stable livelihoods again. While and when the government acted to protect the domestic textile industry other african countries still depend on the goodwill of foreign textile companies thats how the disposable fashion industry came into disrepute as it tends to exploit workers in developing countries the deadly plaza factory collapse in bangladesh 6 years ago shocked consumers in europe and prompted a change in attitude now germany has launched the socalled Green Initiative a labeling system that aims to help consumers make informed choices about the clothes they buy to ensure a fair unsustainable manufacturing conditions in developing nations. Bangladeshi textile worker shell be round had to have her m. P. Tainted she was working as a sewing Machine Operator in the run up plaster factory when it collapsed back in 2013. My mother said to the doctor how can she live with only one arm she might as well be dead. Rana plaza in bangladesh the worst industrial accident in the textile industries history more than a 1000 people died when the building collapsed more than 2000 were injured it was a wake up call for the industry which employs more than 120000000 people worldwide like these in ethiopia mainly women sometimes children they toil under social and Labor Conditions that are often unpleasant and dangerous. The green button label a miss to identify companies that produce ethically and allow scrutiny of their supply chains. Firstly id like to congratulate those textile firms who are showing that it can be done fair supply chains from bangladesh to berlin and to certification there are also critics who say that this cant work well it works and it shouldnt be limited to just textiles supply chains to begin with the green button will apply to the sewing and pattern cutting and dying in bleaching processes some 75000000 people work in these areas