A report by Wylde International indicated that about 68 percent of SMEs in Kenya lacked access to finance due to interest rates capping. This cap was the second largest problem SMEs faced in 2017. “Only 14 percent of SMEs increased revenue above 25 percent,” according to the report. Kenyan banks have turned to external funding to alleviate the asset-liability issue. “The banks received about Sh36 billion in April from international institutions due to the time horizon mismatch between issued loans that tend to be relatively long-term and deposits that tend to be relatively short term.” Deposit rates increased in December of 2017 however, commercial bank average lending rates remained unchanged.