Makoffu (1995) examined the organization of the self-employed in Kenya. The
author asserted that most MSEs by WGs were not beneficial to women and most fail
due to poor management caused by lack of knowledge, skills and education necessary
for proper management, coupled with lack of capital. In fact the author found out that
95 per cent of funds invested in the MSEs came from women’s own contributions and
were subject to high default rate.