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The purpose of this paper is to establish the effect of the ease of access to mobile credit on the financial prosperity of MSEs. The ease of access describes the simplicity and easy way of enabling the provision of credit to a mobile money subscriber. Mobile credit means the credit offered through mobile phones whether from mobile phone operators in conjunction with banks or non-bank financial institutions or stand-alone mobile finance companies as per AFI - Global (2020) definition. This study tries to analyze whether there is a relationship between ease of access and the financial prosperity of an entrepreneur. Financial prosperity on the other hand is the economic well-being of a person or institution. The study adopted a descriptive research design. The target population for this study was 271,365 Licensed Small and Micro entrepreneurs in Nairobi County as per the Nairobi City County Licensing Database as of 16th November 2020. The sampling design employed a stratified sampling design to achieve a representative sample of the respondents. The sample size was 400 MSEs from each MSE, and the owner or key member was picked to participate. Overall, it was found that ease of access to mobile credit had a positive influence on financial prosperity. This implies that improved access to mobile credit leads to improved financial prosperity. An increase in Ease of access has a significant positive relationship (1.741432) with the financial prosperity composite. An increase in ease of access by one unit leads to an increase in financial prosperity by 1.741 units. Based on the study findings, it is recommended that mobile lenders should offer mobile credit with affordable terms. The mobile credit lenders should maintain a short period of the mobile money application process and approval to enhance the profitability and leverage of businesses. With good use of mobile credit, increased liquidity would increase financial prosperity for micro and small entrepreneurs.

This study sought to establish the moderating effect of social entrepreneurs’ gender on the contribution of social enterprises to social transformation in Kiambu County, Kenya. The study used a descriptive survey design guided by mixed methods research on 322 sampled social enterprises drawn from a target population of 1944 social enterprises distributed across the 12 sub-counties of Kiambu County. Data were collected using survey questionnaires and interview guide instruments.  A simple random sampling technique was used to get the proportionate sample for each stratum.  In data analysis, both descriptive statistics (mean, percentages, standard deviation and frequencies) and inferential statistics (correlation and regression analysis) were applied. The findings showed the influence of the independent variable on the dependent variable being explained by R of 0.568. The findings also revealed that social entrepreneurs’ gender was likely to have an effect on the relationship between social entrepreneurship and social transformation of R2 = 0.322. By the estimates of the F-test, social entrepreneurship was found to predict social transformation by F (3, 281) = 77.330, p<.05.