Whilst the infrastructure in Kenya’s cities is continuously improving, rural life remains a chore. Families use nauseating kerosene for a little light at night, cook on smoky open wood fires, and rely on unsafe water. Products to address these problems exist but are only accessible in towns for cash up-front, making them unattainable. Most rural families in Kenya, who are mainly subsistence farmers, not only lack access to basic public services but also bank accounts and credit histories. Women in particular suffer from poor conditions as they are tasked with most household chores, like cooking or fetching water. They also tend to have fewer employment opportunities outside the farm and may not control the family's finances. Despite the high penetration of mobile money in Kenya, rural women are the ones with smallest adoption of it.
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