— Richard Peskett

The audio version of this article is available here: YouTube, Apple Podcasts, or Spotify.

Ayana (her name has been changed to protect her anonymity) was so grateful to her boss for her Christmas bonus that she knelt on the ground to thank her. Yet before the end of the month, all this extra money had been spent on “things” that she delighted to boast about on social media. One month later, and she was in debt again.

The debt that Ayana experiences is like a dark hole from which it is impossible to escape. Such personal debt enslaves a person; it brings sorrow, anxiety, and even despair. And it is all too common in Africa.