"It is not about creating the next multinational, it is about creating a series of micro-businesses, giving you enough capital to start your own business, " said Ketan Makwana, from Rockstar Youth, one of the organisations administering the loans.
Ketan Somaia, Dolphin's Kenyan boss and majority shareholder, it turned out, has declined to appear before Kenya's public accounts committee as part of an investigation into a company which Mr Somaia had represented as an agent and which had defaulted on an arms contract.