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The Hustler Fund disbursed Ksh50 billion in digital loans to 3.2 million micro-entrepreneurs in 2023, with a 95% repayment rate. The Central Bank reports that 65% of borrowers are women, and 70% operate in trade, agri-processing, and digital services. Loans from Ksh500 to Ksh50,000 are issued via USSD in under 60 seconds, using alternative credit scoring. The Ksh100 billion government guarantee has attracted private co-financing from banks and SACCOs. The Treasury plans to link the fund to vocational training and market access platforms in 2024 to enhance enterprise sustainability. The program is a cornerstone of Kenya’s financial inclusion and job creation strategy.