THE PIKI PIKI LOAN TRAP — DO THE MATH BEFORE IT DOES YOU. Let me ask you a simple question. When you take a lipa mdogo mdogo piki piki, do you ever stop and do the math? Or do you just hear: “Pay 500 bob per day” and your brain shuts down? An average piki piki costs about KES 190,000 – 200,000 cash. Sounds manageable. Now you’re told: • Pay KES 500 per day • Interest is 4.5% per month That’s where the problem starts. 4.5% per month is over 50% per year. Let that sink in. If the bike costs KES 20