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{
"id": 644524,
"url": "https://info.mzalendo.com/api/v0.1/hansard/entries/644524/?format=api",
"text_counter": 92,
"type": "speech",
"speaker_name": "Hon. Njuki",
"speaker_title": "",
"speaker": {
"id": 1372,
"legal_name": "Onesmus Muthomi Njuki",
"slug": "onesmus-muthomi-njuki"
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"content": "Collaterals that are demanded by banks from small-scale farmers and Small and Medium Enterprises (SMES) who borrow little money are very informal. In some situations, instead of giving a house as collateral, they take just the hearth of the house. We have circumstances where you come home and find that because you defaulted for two or three months, the hearth of your house is missing. A certain bank that operates in the village is very notorious in this case. I do not want to mention it, but we know it and this is very common in the village. Farmers in my village have lost dairy cows because they used them as collateral for loans. This has been caused by the high interest rates that are charged by banks."
}