Kenyan farmers are increasingly turning to family and friends for loans, surpassing traditional financial institutions in providing credit. This shift highlights a growing reliance on informal lending networks to access agricultural finance.

• A significant portion of farmers now receive loans from family and friends, eclipsing loans from banks.
• Key stakeholders include farmers across Kenya and their immediate social circles.
• This trend suggests a potential gap in formal financial services catering to the specific needs of agricultural sector borrowers.