Kenya is facing a severe household debt crisis, driven by a significant increase in Non-Performing Loans (NPLs), commonly referred to as "bad loans," which is forcing many families into financial distress.

• Commercial banks are intensifying aggressive recovery efforts, potentially leaving numerous households without homes or land.
• The crisis reflects widespread financial strain among ordinary families across the country.
• The article highlights the drastic measures families are taking, including giving up homes and land, due to their inability to repay loans.