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{
    "id": 1097516,
    "url": "https://info.mzalendo.com/api/v0.1/hansard/entries/1097516/?format=api",
    "text_counter": 350,
    "type": "speech",
    "speaker_name": "Funyula, ODM",
    "speaker_title": "Hon. (Dr.) Wilberforce Oundo",
    "speaker": {
        "id": 13331,
        "legal_name": "Wilberforce Ojiambo Oundo",
        "slug": "wilberforce-ojiambo-oundo-2"
    },
    "content": "of the role they play and the people they serve. The moment you increase them, you make it onerous and cumbersome to register. The more expensive you make it to comply, the more they will pass over that cost to the end consumer and reduce the lending. As much as it might be good, it will affect capital flow. I call it capital flow because many times, many people who borrow do so to service an order or purchase a consumer good that they require. Hon. Temporary Deputy Speaker, I know time is almost up. However, as I conclude, one danger that we must avoid in digital-lending is to create a situation where everybody thinks that whenever they have any need that is not necessary, they can always go for these loans. Obviously, the young people and the so-called mama mboga need to be very worried. Instead of us promoting technology fused with finance, some of us are going around singing them lullabies and telling them stories of bottom-up, whatever it is, promising them manna from heaven. With this kind of mentality, this group of people…"
}