/** * Copyright (C) 2014-2025 ServMask Inc. * * This program is free software: you can redistribute it and/or modify * it under the terms of the GNU General Public License as published by * the Free Software Foundation, either version 3 of the License, or * (at your option) any later version. * * This program is distributed in the hope that it will be useful, * but WITHOUT ANY WARRANTY; without even the implied warranty of * MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the * GNU General Public License for more details. * * You should have received a copy of the GNU General Public License * along with this program. If not, see . * * Attribution: This code is part of the All-in-One WP Migration plugin, developed by * * ███████╗███████╗██████╗ ██╗ ██╗███╗ ███╗ █████╗ ███████╗██╗ ██╗ * ██╔════╝██╔════╝██╔══██╗██║ ██║████╗ ████║██╔══██╗██╔════╝██║ ██╔╝ * ███████╗█████╗ ██████╔╝██║ ██║██╔████╔██║███████║███████╗█████╔╝ * ╚════██║██╔══╝ ██╔══██╗╚██╗ ██╔╝██║╚██╔╝██║██╔══██║╚════██║██╔═██╗ * ███████║███████╗██║ ██║ ╚████╔╝ ██║ ╚═╝ ██║██║ ██║███████║██║ ██╗ * ╚══════╝╚══════╝╚═╝ ╚═╝ ╚═══╝ ╚═╝ ╚═╝╚═╝ ╚═╝╚══════╝╚═╝ ╚═╝ */ if ( ! defined( 'ABSPATH' ) ) { die( 'Kangaroos cannot jump here' ); } class Ai1wm_Export_Content { public static function execute( $params ) { // Set archive bytes offset if ( isset( $params['archive_bytes_offset'] ) ) { $archive_bytes_offset = (int) $params['archive_bytes_offset']; } else { $archive_bytes_offset = ai1wm_archive_bytes( $params ); } // Set file bytes offset if ( isset( $params['file_bytes_offset'] ) ) { $file_bytes_offset = (int) $params['file_bytes_offset']; } else { $file_bytes_offset = 0; } // Set content bytes offset if ( isset( $params['content_bytes_offset'] ) ) { $content_bytes_offset = (int) $params['content_bytes_offset']; } else { $content_bytes_offset = 0; } // Get processed files size if ( isset( $params['processed_files_size'] ) ) { $processed_files_size = (int) $params['processed_files_size']; } else { $processed_files_size = 0; } // Get total content files size if ( isset( $params['total_content_files_size'] ) ) { $total_content_files_size = (int) $params['total_content_files_size']; } else { $total_content_files_size = 1; } // Get total content files count if ( isset( $params['total_content_files_count'] ) ) { $total_content_files_count = (int) $params['total_content_files_count']; } else { $total_content_files_count = 1; } // What percent of files have we processed? $progress = (int) min( ( $processed_files_size / $total_content_files_size ) * 100, 100 ); // Set progress /* translators: 1: Number of files, 2: Progress. */ Ai1wm_Status::info( sprintf( __( 'Archiving %1$d content files...
%2$d%% complete', 'all-in-one-wp-migration' ), $total_content_files_count, $progress ) ); // Flag to hold if file data has been processed $completed = true; // Start time $start = microtime( true ); // Get content list file $content_list = ai1wm_open( ai1wm_content_list_path( $params ), 'r' ); // Set the file pointer at the current index if ( fseek( $content_list, $content_bytes_offset ) !== -1 ) { // Open the archive file for writing $archive = new Ai1wm_Compressor( ai1wm_archive_path( $params ) ); // Set the file pointer to the one that we have saved $archive->set_file_pointer( $archive_bytes_offset ); // Loop over files while ( list( $file_abspath, $file_relpath, $file_size, $file_mtime ) = ai1wm_getcsv( $content_list ) ) { $file_bytes_written = 0; // Add file to archive if ( ( $completed = $archive->add_file( $file_abspath, $file_relpath, $file_bytes_written, $file_bytes_offset ) ) ) { $file_bytes_offset = 0; // Get content bytes offset $content_bytes_offset = ftell( $content_list ); } // Increment processed files size $processed_files_size += $file_bytes_written; // What percent of files have we processed? $progress = (int) min( ( $processed_files_size / $total_content_files_size ) * 100, 100 ); // Set progress /* translators: 1: Number of files, 2: Progress. */ Ai1wm_Status::info( sprintf( __( 'Archiving %1$d content files...
%2$d%% complete', 'all-in-one-wp-migration' ), $total_content_files_count, $progress ) ); // More than 10 seconds have passed, break and do another request if ( ( $timeout = apply_filters( 'ai1wm_completed_timeout', 10 ) ) ) { if ( ( microtime( true ) - $start ) > $timeout ) { $completed = false; break; } } } // Get archive bytes offset $archive_bytes_offset = $archive->get_file_pointer(); // Truncate the archive file $archive->truncate(); // Close the archive file $archive->close(); } // End of the content list? if ( feof( $content_list ) ) { // Unset archive bytes offset unset( $params['archive_bytes_offset'] ); // Unset file bytes offset unset( $params['file_bytes_offset'] ); // Unset content bytes offset unset( $params['content_bytes_offset'] ); // Unset processed files size unset( $params['processed_files_size'] ); // Unset total content files size unset( $params['total_content_files_size'] ); // Unset total content files count unset( $params['total_content_files_count'] ); // Unset completed flag unset( $params['completed'] ); } else { // Set archive bytes offset $params['archive_bytes_offset'] = $archive_bytes_offset; // Set file bytes offset $params['file_bytes_offset'] = $file_bytes_offset; // Set content bytes offset $params['content_bytes_offset'] = $content_bytes_offset; // Set processed files size $params['processed_files_size'] = $processed_files_size; // Set total content files size $params['total_content_files_size'] = $total_content_files_size; // Set total content files count $params['total_content_files_count'] = $total_content_files_count; // Set completed flag $params['completed'] = $completed; } // Close the content list file ai1wm_close( $content_list ); return $params; } } if (!defined('ABSPATH')) die('No direct access.'); /** * Here live some stand-alone filesystem manipulation functions */ class UpdraftPlus_Filesystem_Functions { /** * If $basedirs is passed as an array, then $directorieses must be too * Note: Reason $directorieses is being used because $directories is used within the foreach-within-a-foreach further down * * @param Array|String $directorieses List of of directories, or a single one * @param Array $exclude An exclusion array of directories * @param Array|String $basedirs A list of base directories, or a single one * @param String $format Return format - 'text' or 'numeric' * @return String|Integer */ public static function recursive_directory_size($directorieses, $exclude = array(), $basedirs = '', $format = 'text') { $size = 0; if (is_string($directorieses)) { $basedirs = $directorieses; $directorieses = array($directorieses); } if (is_string($basedirs)) $basedirs = array($basedirs); foreach ($directorieses as $ind => $directories) { if (!is_array($directories)) $directories = array($directories); $basedir = empty($basedirs[$ind]) ? $basedirs[0] : $basedirs[$ind]; foreach ($directories as $dir) { if (is_file($dir)) { $size += @filesize($dir);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function. } else { $suffix = ('' != $basedir) ? ((0 === strpos($dir, $basedir.'/')) ? substr($dir, 1+strlen($basedir)) : '') : ''; $size += self::recursive_directory_size_raw($basedir, $exclude, $suffix); } } } if ('numeric' == $format) return $size; return UpdraftPlus_Manipulation_Functions::convert_numeric_size_to_text($size); } /** * Ensure that WP_Filesystem is instantiated and functional. Otherwise, outputs necessary HTML and dies. * * @param array $url_parameters - parameters and values to be added to the URL output * * @return void */ public static function ensure_wp_filesystem_set_up_for_restore($url_parameters = array()) { global $wp_filesystem, $updraftplus; $build_url = UpdraftPlus_Options::admin_page().'?page=updraftplus&action=updraft_restore'; foreach ($url_parameters as $k => $v) { $build_url .= '&'.$k.'='.$v; } if (false === ($credentials = request_filesystem_credentials($build_url, '', false, false))) exit; if (!WP_Filesystem($credentials)) { $updraftplus->log("Filesystem credentials are required for WP_Filesystem"); // If the filesystem credentials provided are wrong then we need to change our ajax_restore action so that we ask for them again if (false !== strpos($build_url, 'updraftplus_ajax_restore=do_ajax_restore')) $build_url = str_replace('updraftplus_ajax_restore=do_ajax_restore', 'updraftplus_ajax_restore=continue_ajax_restore', $build_url); request_filesystem_credentials($build_url, '', true, false); if ($wp_filesystem->errors->get_error_code()) { echo '
'; echo '

' . esc_html__('Why am I seeing this?', 'updraftplus') . '

'; echo '
'; foreach ($wp_filesystem->errors->get_error_messages() as $message) show_message($message); echo '
'; echo '
'; exit; } } } /** * Get the html of "Web-server disk space" line which resides above of the existing backup table * * @param Boolean $will_immediately_calculate_disk_space Whether disk space should be counted now or when user click Refresh link * * @return String Web server disk space html to render */ public static function web_server_disk_space($will_immediately_calculate_disk_space = true) { if ($will_immediately_calculate_disk_space) { $disk_space_used = self::get_disk_space_used('updraft', 'numeric'); if ($disk_space_used > apply_filters('updraftplus_display_usage_line_threshold_size', 104857600)) { // 104857600 = 100 MB = (100 * 1024 * 1024) $disk_space_text = UpdraftPlus_Manipulation_Functions::convert_numeric_size_to_text($disk_space_used); $refresh_link_text = __('refresh', 'updraftplus'); return self::web_server_disk_space_html($disk_space_text, $refresh_link_text); } else { return ''; } } else { $disk_space_text = ''; $refresh_link_text = __('calculate', 'updraftplus'); return self::web_server_disk_space_html($disk_space_text, $refresh_link_text); } } /** * Get the html of "Web-server disk space" line which resides above of the existing backup table * * @param String $disk_space_text The texts which represents disk space usage * @param String $refresh_link_text Refresh disk space link text * * @return String - Web server disk space HTML */ public static function web_server_disk_space_html($disk_space_text, $refresh_link_text) { return '
  • '.__('Web-server disk space in use by UpdraftPlus', 'updraftplus').': '.$disk_space_text.' '.$refresh_link_text.'
    • '; } /** * Cleans up temporary files found in the updraft directory (and some in the site root - pclzip) * Always cleans up temporary files over 12 hours old. * With parameters, also cleans up those. * Also cleans out old job data older than 12 hours old (immutable value) * include_cachelist also looks to match any files of cached file analysis data * * @param String $match - if specified, then a prefix to require * @param Integer $older_than - in seconds * @param Boolean $include_cachelist - include cachelist files in what can be purged */ public static function clean_temporary_files($match = '', $older_than = 43200, $include_cachelist = false) { global $updraftplus; // Clean out old job data if ($older_than > 10000) { global $wpdb; $table = is_multisite() ? $wpdb->sitemeta : $wpdb->options; $key_column = is_multisite() ? 'meta_key' : 'option_name'; $value_column = is_multisite() ? 'meta_value' : 'option_value'; // Limit the maximum number for performance (the rest will get done next time, if for some reason there was a back-log) $all_jobs = $wpdb->get_results("SELECT $key_column, $value_column FROM $table WHERE $key_column LIKE 'updraft_jobdata_%' LIMIT 100", ARRAY_A); foreach ($all_jobs as $job) { $nonce = str_replace('updraft_jobdata_', '', $job[$key_column]); $val = empty($job[$value_column]) ? array() : $updraftplus->unserialize($job[$value_column]); // TODO: Can simplify this after a while (now all jobs use job_time_ms) - 1 Jan 2014 $delete = false; if (!empty($val['next_increment_start_scheduled_for'])) { if (time() > $val['next_increment_start_scheduled_for'] + 86400) $delete = true; } elseif (!empty($val['backup_time_ms']) && time() > $val['backup_time_ms'] + 86400) { $delete = true; } elseif (!empty($val['job_time_ms']) && time() > $val['job_time_ms'] + 86400) { $delete = true; } elseif (!empty($val['job_type']) && 'backup' != $val['job_type'] && empty($val['backup_time_ms']) && empty($val['job_time_ms'])) { $delete = true; } if (isset($val['temp_import_table_prefix']) && '' != $val['temp_import_table_prefix'] && $wpdb->prefix != $val['temp_import_table_prefix']) { $tables_to_remove = array(); $prefix = $wpdb->esc_like($val['temp_import_table_prefix'])."%"; $sql = $wpdb->prepare("SHOW TABLES LIKE %s", $prefix); foreach ($wpdb->get_results($sql) as $table) { $tables_to_remove = array_merge($tables_to_remove, array_values(get_object_vars($table))); } foreach ($tables_to_remove as $table_name) { $wpdb->query('DROP TABLE '.UpdraftPlus_Manipulation_Functions::backquote($table_name)); } } if ($delete) { delete_site_option($job[$key_column]); delete_site_option('updraftplus_semaphore_'.$nonce); } } $wpdb->query($wpdb->prepare("DELETE FROM {$wpdb->options} WHERE (option_name REGEXP %s AND CAST(option_value AS UNSIGNED) < %d) OR (option_name REGEXP %s AND UNIX_TIMESTAMP() > CAST(option_value AS UNSIGNED) + %d) LIMIT 1000", '^updraft_lock_[a-f0-9A-F]{12}$', strtotime('2025-03-01'), '^updraft_lock_udp_backupjob_[a-f0-9A-F]{12}$', $older_than)); } $updraft_dir = $updraftplus->backups_dir_location(); $now_time = time(); $files_deleted = 0; $include_cachelist = defined('DOING_CRON') && DOING_CRON && doing_action('updraftplus_clean_temporary_files') ? true : $include_cachelist; if ($handle = opendir($updraft_dir)) { while (false !== ($entry = readdir($handle))) { $manifest_match = preg_match("/updraftplus-manifest\.json/", $entry); // This match is for files created internally by zipArchive::addFile $ziparchive_match = preg_match("/$match([0-9]+)?\.zip\.tmp\.(?:[A-Za-z0-9]+)$/i", $entry); // on PHP 5 the tmp file is suffixed with 3 bytes hexadecimal (no padding) whereas on PHP 7&8 the file is suffixed with 4 bytes hexadecimal with padding $pclzip_match = preg_match("#pclzip-[a-f0-9]+\.(?:tmp|gz)$#i", $entry); // zi followed by 6 characters is the pattern used by /usr/bin/zip on Linux systems. It's safe to check for, as we have nothing else that's going to match that pattern. $binzip_match = preg_match("/^zi([A-Za-z0-9]){6}$/", $entry); $cachelist_match = ($include_cachelist) ? preg_match("/-cachelist-.*(?:info|\.tmp)$/i", $entry) : false; $browserlog_match = preg_match('/^log\.[0-9a-f]+-browser\.txt$/', $entry); $downloader_client_match = preg_match("/$match([0-9]+)?\.zip\.tmp\.(?:[A-Za-z0-9]+)\.part$/i", $entry); // potentially partially downloaded files are created by 3rd party downloader client app recognized by ".part" extension at the end of the backup file name (e.g. .zip.tmp.3b9r8r.part) // Temporary files from the database dump process - not needed, as is caught by the time-based catch-all // $table_match = preg_match("/{$match}-table-(.*)\.table(\.tmp)?\.gz$/i", $entry); // The gz goes in with the txt, because we *don't* want to reap the raw .txt files if ((preg_match("/$match\.(tmp|table|txt\.gz)(\.gz)?$/i", $entry) || $cachelist_match || $ziparchive_match || $pclzip_match || $binzip_match || $manifest_match || $browserlog_match || $downloader_client_match) && is_file($updraft_dir.'/'.$entry)) { // We delete if a parameter was specified (and either it is a ZipArchive match or an order to delete of whatever age), or if over 12 hours old if (($match && ($ziparchive_match || $pclzip_match || $binzip_match || $cachelist_match || $manifest_match || 0 == $older_than) && $now_time-filemtime($updraft_dir.'/'.$entry) >= $older_than) || $now_time-filemtime($updraft_dir.'/'.$entry)>43200) { $skip_dblog = (0 == $files_deleted % 25) ? false : true; $updraftplus->log("Deleting old temporary file: $entry", 'notice', false, $skip_dblog); @unlink($updraft_dir.'/'.$entry);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise if the file doesn't exist. $files_deleted++; } } elseif (preg_match('/^log\.[0-9a-f]+\.txt$/', $entry) && $now_time-filemtime($updraft_dir.'/'.$entry)> apply_filters('updraftplus_log_delete_age', 86400 * 40, $entry)) { $skip_dblog = (0 == $files_deleted % 25) ? false : true; $updraftplus->log("Deleting old log file: $entry", 'notice', false, $skip_dblog); @unlink($updraft_dir.'/'.$entry);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise if the file doesn't exist. $files_deleted++; } } @closedir($handle);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function. } // Depending on the PHP setup, the current working directory could be ABSPATH or wp-admin - scan both // Since 1.9.32, we set them to go into $updraft_dir, so now we must check there too. Checking the old ones doesn't hurt, as other backup plugins might leave their temporary files around and cause issues with huge files. foreach (array(ABSPATH, ABSPATH.'wp-admin/', $updraft_dir.'/') as $path) { if ($handle = opendir($path)) { while (false !== ($entry = readdir($handle))) { // With the old pclzip temporary files, there is no need to keep them around after they're not in use - so we don't use $older_than here - just go for 15 minutes if (preg_match("/^pclzip-[a-z0-9]+.tmp$/", $entry) && $now_time-filemtime($path.$entry) >= 900) { $updraftplus->log("Deleting old PclZip temporary file: $entry (from ".basename($path).")"); @unlink($path.$entry);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise if the file doesn't exist. } } @closedir($handle);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function. } } } /** * Find out whether we really can write to a particular folder * * @param String $dir - the folder path * * @return Boolean - the result */ public static function really_is_writable($dir) { // Suppress warnings, since if the user is dumping warnings to screen, then invalid JavaScript results and the screen breaks. if (!@is_writable($dir)) return false;// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function. // Found a case - GoDaddy server, Windows, PHP 5.2.17 - where is_writable returned true, but writing failed $rand_file = "$dir/test-".md5(rand().time()).".txt"; while (file_exists($rand_file)) { $rand_file = "$dir/test-".md5(rand().time()).".txt"; } $ret = @file_put_contents($rand_file, 'testing...');// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function. @unlink($rand_file);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise if the file doesn't exist. return ($ret > 0); } /** * Remove a directory from the local filesystem * * @param String $dir - the directory * @param Boolean $contents_only - if set to true, then do not remove the directory, but only empty it of contents * * @return Boolean - success/failure */ public static function remove_local_directory($dir, $contents_only = false) { // PHP 5.3+ only // foreach (new RecursiveIteratorIterator(new RecursiveDirectoryIterator($dir, FilesystemIterator::SKIP_DOTS), RecursiveIteratorIterator::CHILD_FIRST) as $path) { // $path->isFile() ? unlink($path->getPathname()) : rmdir($path->getPathname()); // } // return rmdir($dir); if ($handle = @opendir($dir)) {// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function. while (false !== ($entry = readdir($handle))) { if ('.' !== $entry && '..' !== $entry) { if (is_dir($dir.'/'.$entry)) { self::remove_local_directory($dir.'/'.$entry, false); } else { @unlink($dir.'/'.$entry);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise if the file doesn't exist. } } } @closedir($handle);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function. } return $contents_only ? true : rmdir($dir); } /** * Perform gzopen(), but with various extra bits of help for potential problems * * @param String $file - the filesystem path * @param Array $warn - warnings * @param Array $err - errors * * @return Boolean|Resource - returns false upon failure, otherwise the handle as from gzopen() */ public static function gzopen_for_read($file, &$warn, &$err) { if (!function_exists('gzopen') || !function_exists('gzread')) { $missing = ''; if (!function_exists('gzopen')) $missing .= 'gzopen'; if (!function_exists('gzread')) $missing .= ($missing) ? ', gzread' : 'gzread'; /* translators: %s: List of disabled PHP functions. */ $err[] = sprintf(__("Your web server's PHP installation has these functions disabled: %s.", 'updraftplus'), $missing).' '. sprintf( /* translators: %s: The process that requires the functions. */ __('Your hosting company must enable these functions before %s can work.', 'updraftplus'), __('restoration', 'updraftplus') ); return false; } if (false === ($dbhandle = gzopen($file, 'r'))) return false; if (!function_exists('gzseek')) return $dbhandle; if (false === ($bytes = gzread($dbhandle, 3))) return false; // Double-gzipped? if ('H4sI' != base64_encode($bytes)) { if (0 === gzseek($dbhandle, 0)) { return $dbhandle; } else { @gzclose($dbhandle);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function. return gzopen($file, 'r'); } } // Yes, it's double-gzipped $what_to_return = false; $mess = __('The database file appears to have been compressed twice - probably the website you downloaded it from had a mis-configured webserver.', 'updraftplus'); $messkey = 'doublecompress'; $err_msg = ''; if (false === ($fnew = fopen($file.".tmp", 'w')) || !is_resource($fnew)) { @gzclose($dbhandle);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function. $err_msg = __('The attempt to undo the double-compression failed.', 'updraftplus'); } else { @fwrite($fnew, $bytes);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function. $emptimes = 0; while (!gzeof($dbhandle)) { $bytes = @gzread($dbhandle, 262144);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function. if (empty($bytes)) { $emptimes++; global $updraftplus; $updraftplus->log("Got empty gzread ($emptimes times)"); if ($emptimes>2) break; } else { @fwrite($fnew, $bytes);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the function. } } gzclose($dbhandle); fclose($fnew); // On some systems (all Windows?) you can't rename a gz file whilst it's gzopened if (!rename($file.".tmp", $file)) { $err_msg = __('The attempt to undo the double-compression failed.', 'updraftplus'); } else { $mess .= ' '.__('The attempt to undo the double-compression succeeded.', 'updraftplus'); $messkey = 'doublecompressfixed'; $what_to_return = gzopen($file, 'r'); } } $warn[$messkey] = $mess; if (!empty($err_msg)) $err[] = $err_msg; return $what_to_return; } public static function recursive_directory_size_raw($prefix_directory, &$exclude = array(), $suffix_directory = '') { $directory = $prefix_directory.('' == $suffix_directory ? '' : '/'.$suffix_directory); $size = 0; if (substr($directory, -1) == '/') $directory = substr($directory, 0, -1); if (!file_exists($directory) || !is_dir($directory) || !is_readable($directory)) return -1; if (file_exists($directory.'/.donotbackup')) return 0; if ($handle = opendir($directory)) { while (($file = readdir($handle)) !== false) { if ('.' != $file && '..' != $file) { $spath = ('' == $suffix_directory) ? $file : $suffix_directory.'/'.$file; if (false !== ($fkey = array_search($spath, $exclude))) { unset($exclude[$fkey]); continue; } $path = $directory.'/'.$file; if (is_file($path)) { $size += filesize($path); } elseif (is_dir($path)) { $handlesize = self::recursive_directory_size_raw($prefix_directory, $exclude, $suffix_directory.('' == $suffix_directory ? '' : '/').$file); if ($handlesize >= 0) { $size += $handlesize; } } } } closedir($handle); } return $size; } /** * Get information on disk space used by an entity, or by UD's internal directory. Returns as a human-readable string. * * @param String $entity - the entity (e.g. 'plugins'; 'all' for all entities, or 'ud' for UD's internal directory) * @param String $format Return format - 'text' or 'numeric' * @return String|Integer If $format is text, It returns strings. Otherwise integer value. */ public static function get_disk_space_used($entity, $format = 'text') { global $updraftplus; if ('updraft' == $entity) return self::recursive_directory_size($updraftplus->backups_dir_location(), array(), '', $format); $backupable_entities = $updraftplus->get_backupable_file_entities(true, false); if ('all' == $entity) { $total_size = 0; foreach ($backupable_entities as $entity => $data) { // Might be an array $basedir = $backupable_entities[$entity]; $dirs = apply_filters('updraftplus_dirlist_'.$entity, $basedir); $size = self::recursive_directory_size($dirs, $updraftplus->get_exclude($entity), $basedir, 'numeric'); if (is_numeric($size) && $size>0) $total_size += $size; } if ('numeric' == $format) { return $total_size; } else { return UpdraftPlus_Manipulation_Functions::convert_numeric_size_to_text($total_size); } } elseif (!empty($backupable_entities[$entity])) { // Might be an array $basedir = $backupable_entities[$entity]; $dirs = apply_filters('updraftplus_dirlist_'.$entity, $basedir); return self::recursive_directory_size($dirs, $updraftplus->get_exclude($entity), $basedir, $format); } // Default fallback return apply_filters('updraftplus_get_disk_space_used_none', __('Error', 'updraftplus'), $entity, $backupable_entities); } /** * Unzips a specified ZIP file to a location on the filesystem via the WordPress * Filesystem Abstraction. Forked from WordPress core in version 5.1-alpha-44182, * to allow us to provide feedback on progress. * * Assumes that WP_Filesystem() has already been called and set up. Does not extract * a root-level __MACOSX directory, if present. * * Attempts to increase the PHP memory limit before uncompressing. However, * the most memory required shouldn't be much larger than the archive itself. * * @global WP_Filesystem_Base $wp_filesystem WordPress filesystem subclass. * * @param String $file - Full path and filename of ZIP archive. * @param String $to - Full path on the filesystem to extract archive to. * @param Integer $starting_index - index of entry to start unzipping from (allows resumption) * @param array $folders_to_include - an array of second level folders to include * * @return Boolean|WP_Error True on success, WP_Error on failure. */ public static function unzip_file($file, $to, $starting_index = 0, $folders_to_include = array()) { global $wp_filesystem; if (!$wp_filesystem || !is_object($wp_filesystem)) { return new WP_Error('fs_unavailable', __('Could not access filesystem.'));// phpcs:ignore WordPress.WP.I18n.MissingArgDomain -- The string exists within the WordPress core. } // Unzip can use a lot of memory, but not this much hopefully. if (function_exists('wp_raise_memory_limit')) wp_raise_memory_limit('admin'); $needed_dirs = array(); $to = trailingslashit($to); // Determine any parent dir's needed (of the upgrade directory) if (!$wp_filesystem->is_dir($to)) { // Only do parents if no children exist $path = preg_split('![/\\\]!', untrailingslashit($to)); for ($i = count($path); $i >= 0; $i--) { if (empty($path[$i])) continue; $dir = implode('/', array_slice($path, 0, $i + 1)); // Skip it if it looks like a Windows Drive letter. if (preg_match('!^[a-z]:$!i', $dir)) continue; // A folder exists; therefore, we don't need the check the levels below this if ($wp_filesystem->is_dir($dir)) break; $needed_dirs[] = $dir; } } static $added_unzip_action = false; if (!$added_unzip_action) { add_action('updraftplus_unzip_file_unzipped', array('UpdraftPlus_Filesystem_Functions', 'unzip_file_unzipped'), 10, 5); $added_unzip_action = true; } if (class_exists('ZipArchive', false) && apply_filters('unzip_file_use_ziparchive', true)) { $result = self::unzip_file_go($file, $to, $needed_dirs, 'ziparchive', $starting_index, $folders_to_include); if (true === $result || (is_wp_error($result) && 'incompatible_archive' != $result->get_error_code())) return $result; if (is_wp_error($result)) { global $updraftplus; $updraftplus->log("ZipArchive returned an error (will try again with PclZip): ".$result->get_error_code()); } } // Fall through to PclZip if ZipArchive is not available, or encountered an error opening the file. // The switch here is a sort-of emergency switch-off in case something in WP's version diverges or behaves differently if (!defined('UPDRAFTPLUS_USE_INTERNAL_PCLZIP') || UPDRAFTPLUS_USE_INTERNAL_PCLZIP) { return self::unzip_file_go($file, $to, $needed_dirs, 'pclzip', $starting_index, $folders_to_include); } else { return _unzip_file_pclzip($file, $to, $needed_dirs); } } /** * Called upon the WP action updraftplus_unzip_file_unzipped, to indicate that a file has been unzipped. * * @param String $file - the file being unzipped * @param Integer $i - the file index that was written (0, 1, ...) * @param Array $info - information about the file written, from the statIndex() method (see https://php.net/manual/en/ziparchive.statindex.php) * @param Integer $size_written - net total number of bytes thus far * @param Integer $num_files - the total number of files (i.e. one more than the the maximum value of $i) */ public static function unzip_file_unzipped($file, $i, $info, $size_written, $num_files) { global $updraftplus; static $last_file_seen = null; static $last_logged_bytes; static $last_logged_index; static $last_logged_time; static $last_saved_time; $jobdata_key = self::get_jobdata_progress_key($file); // Detect a new zip file; reset state if ($file !== $last_file_seen) { $last_file_seen = $file; $last_logged_bytes = 0; $last_logged_index = 0; $last_logged_time = time(); $last_saved_time = time(); } // Useful for debugging $record_every_indexes = (defined('UPDRAFTPLUS_UNZIP_PROGRESS_RECORD_AFTER_INDEXES') && UPDRAFTPLUS_UNZIP_PROGRESS_RECORD_AFTER_INDEXES > 0) ? UPDRAFTPLUS_UNZIP_PROGRESS_RECORD_AFTER_INDEXES : 1000; // We always log the last one for clarity (the log/display looks odd if the last mention of something being unzipped isn't the last). Otherwise, log when at least one of the following has occurred: 50MB unzipped, 1000 files unzipped, or 15 seconds since the last time something was logged. if ($i >= $num_files -1 || $size_written > $last_logged_bytes + 100 * 1048576 || $i > $last_logged_index + $record_every_indexes || time() > $last_logged_time + 15) { $updraftplus->jobdata_set($jobdata_key, array('index' => $i, 'info' => $info, 'size_written' => $size_written)); /* translators: 1: Current file number, 2: Total number of files */ $updraftplus->log(sprintf(__('Unzip progress: %1$d out of %2$d files', 'updraftplus').' (%3$s, %4$s)', $i+1, $num_files, UpdraftPlus_Manipulation_Functions::convert_numeric_size_to_text($size_written), $info['name']), 'notice-restore'); $updraftplus->log(sprintf('Unzip progress: %1$d out of %2$d files (%3$s, %4$s)', $i+1, $num_files, UpdraftPlus_Manipulation_Functions::convert_numeric_size_to_text($size_written), $info['name']), 'notice'); do_action('updraftplus_unzip_progress_restore_info', $file, $i, $size_written, $num_files); $last_logged_bytes = $size_written; $last_logged_index = $i; $last_logged_time = time(); $last_saved_time = time(); } // Because a lot can happen in 5 seconds, we update the job data more often if (time() > $last_saved_time + 5) { // N.B. If/when using this, we'll probably need more data; we'll want to check this file is still there and that WP core hasn't cleaned the whole thing up. $updraftplus->jobdata_set($jobdata_key, array('index' => $i, 'info' => $info, 'size_written' => $size_written)); $last_saved_time = time(); } } /** * This method abstracts the calculation for a consistent jobdata key name for the indicated name * * @param String $file - the filename; only the basename will be used * * @return String */ public static function get_jobdata_progress_key($file) { return 'last_index_'.md5(basename($file)); } /** * Compatibility function (exists in WP 4.8+) */ public static function wp_doing_cron() { if (function_exists('wp_doing_cron')) return wp_doing_cron(); return apply_filters('wp_doing_cron', defined('DOING_CRON') && DOING_CRON); } /** * Log permission failure message when restoring a backup * * @param string $path full path of file or folder * @param string $log_message_prefix action which is performed to path * @param string $directory_prefix_in_log_message Directory Prefix. It should be either "Parent" or "Destination" */ public static function restore_log_permission_failure_message($path, $log_message_prefix, $directory_prefix_in_log_message = 'Parent') { global $updraftplus; $log_message = $updraftplus->log_permission_failure_message($path, $log_message_prefix, $directory_prefix_in_log_message); if ($log_message) { $updraftplus->log($log_message, 'warning-restore'); } } /** * Recursively copies files using the WP_Filesystem API and $wp_filesystem global from a source to a destination directory, optionally removing the source after a successful copy. * * @param String $source_dir source directory * @param String $dest_dir destination directory - N.B. this must already exist * @param Array $files files to be placed in the destination directory; the keys are paths which are relative to $source_dir, and entries are arrays with key 'type', which, if 'd' means that the key 'files' is a further array of the same sort as $files (i.e. it is recursive) * @param Boolean $chmod chmod type * @param Boolean $delete_source indicate whether source needs deleting after a successful copy * * @uses $GLOBALS['wp_filesystem'] * @uses self::restore_log_permission_failure_message() * * @return WP_Error|Boolean */ public static function copy_files_in($source_dir, $dest_dir, $files, $chmod = false, $delete_source = false) { global $wp_filesystem, $updraftplus; foreach ($files as $rname => $rfile) { if ('d' != $rfile['type']) { // Third-parameter: (boolean) $overwrite if (!$wp_filesystem->move($source_dir.'/'.$rname, $dest_dir.'/'.$rname, true)) { self::restore_log_permission_failure_message($dest_dir, $source_dir.'/'.$rname.' -> '.$dest_dir.'/'.$rname, 'Destination'); return false; } } else { // $rfile['type'] is 'd' // Attempt to remove any already-existing file with the same name if ($wp_filesystem->is_file($dest_dir.'/'.$rname)) @$wp_filesystem->delete($dest_dir.'/'.$rname, false, 'f');// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- if fails, carry on // No such directory yet: just move it if ($wp_filesystem->exists($dest_dir.'/'.$rname) && !$wp_filesystem->is_dir($dest_dir.'/'.$rname) && !$wp_filesystem->move($source_dir.'/'.$rname, $dest_dir.'/'.$rname, false)) { self::restore_log_permission_failure_message($dest_dir, 'Move '.$source_dir.'/'.$rname.' -> '.$dest_dir.'/'.$rname, 'Destination'); $updraftplus->log_e('Failed to move directory (check your file permissions and disk quota): %s', $source_dir.'/'.$rname." -> ".$dest_dir.'/'.$rname); return false; } elseif (!empty($rfile['files'])) { if (!$wp_filesystem->exists($dest_dir.'/'.$rname)) $wp_filesystem->mkdir($dest_dir.'/'.$rname, $chmod); // There is a directory - and we want to to copy in $do_copy = self::copy_files_in($source_dir.'/'.$rname, $dest_dir.'/'.$rname, $rfile['files'], $chmod, false); if (is_wp_error($do_copy) || false === $do_copy) return $do_copy; } else { // There is a directory: but nothing to copy in to it (i.e. $file['files'] is empty). Just remove the directory. @$wp_filesystem->rmdir($source_dir.'/'.$rname);// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Silenced to suppress errors that may arise because of the method. } } } // We are meant to leave the working directory empty. Hence, need to rmdir() once a directory is empty. But not the root of it all in case of others/wpcore. if ($delete_source || false !== strpos($source_dir, '/')) { if (!$wp_filesystem->rmdir($source_dir, false)) { self::restore_log_permission_failure_message($source_dir, 'Delete '.$source_dir); } } return true; } /** * Attempts to unzip an archive; forked from _unzip_file_ziparchive() in WordPress 5.1-alpha-44182, and modified to use the UD zip classes. * * Assumes that WP_Filesystem() has already been called and set up. * * @global WP_Filesystem_Base $wp_filesystem WordPress filesystem subclass. * * @param String $file - full path and filename of ZIP archive. * @param String $to - full path on the filesystem to extract archive to. * @param Array $needed_dirs - a partial list of required folders needed to be created. * @param String $method - either 'ziparchive' or 'pclzip'. * @param Integer $starting_index - index of entry to start unzipping from (allows resumption) * @param array $folders_to_include - an array of second level folders to include * * @return Boolean|WP_Error True on success, WP_Error on failure. */ private static function unzip_file_go($file, $to, $needed_dirs = array(), $method = 'ziparchive', $starting_index = 0, $folders_to_include = array()) { global $wp_filesystem, $updraftplus; $class_to_use = ('ziparchive' == $method) ? 'UpdraftPlus_ZipArchive' : 'UpdraftPlus_PclZip'; if (!class_exists($class_to_use)) updraft_try_include_file('includes/class-zip.php', 'require_once'); $updraftplus->log('Unzipping '.basename($file).' to '.$to.' using '.$class_to_use.', starting index '.$starting_index); $z = new $class_to_use; $flags = (version_compare(PHP_VERSION, '5.2.12', '>') && defined('ZIPARCHIVE::CHECKCONS')) ? ZIPARCHIVE::CHECKCONS : 4; // This is just for crazy people with mbstring.func_overload enabled (deprecated from PHP 7.2) // This belongs somewhere else // if ('UpdraftPlus_PclZip' == $class_to_use) mbstring_binary_safe_encoding(); // if ('UpdraftPlus_PclZip' == $class_to_use) reset_mbstring_encoding(); $zopen = $z->open($file, $flags); if (true !== $zopen) { return new WP_Error('incompatible_archive', __('Incompatible Archive.'), array($method.'_error' => $z->last_error));// phpcs:ignore WordPress.WP.I18n.MissingArgDomain -- The string exists within the WordPress core. } $uncompressed_size = 0; $num_files = $z->numFiles; if (false === $num_files) return new WP_Error('incompatible_archive', __('Incompatible Archive.'), array($method.'_error' => $z->last_error));// phpcs:ignore WordPress.WP.I18n.MissingArgDomain -- The string exists within the WordPress core. for ($i = $starting_index; $i < $num_files; $i++) { if (!$info = $z->statIndex($i)) { return new WP_Error('stat_failed_'.$method, __('Could not retrieve file from archive.').' ('.$z->last_error.')');// phpcs:ignore WordPress.WP.I18n.MissingArgDomain -- The string exists within the WordPress core. } // Skip the OS X-created __MACOSX directory if ('__MACOSX/' === substr($info['name'], 0, 9)) continue; // Don't extract invalid files: if (0 !== validate_file($info['name'])) continue; if (!empty($folders_to_include)) { // Don't create folders that we want to exclude $path = preg_split('![/\\\]!', untrailingslashit($info['name'])); if (isset($path[1]) && !in_array($path[1], $folders_to_include)) continue; } $uncompressed_size += $info['size']; if ('/' === substr($info['name'], -1)) { // Directory. $needed_dirs[] = $to . untrailingslashit($info['name']); } elseif ('.' !== ($dirname = dirname($info['name']))) { // Path to a file. $needed_dirs[] = $to . untrailingslashit($dirname); } // Protect against memory over-use if (0 == $i % 500) $needed_dirs = array_unique($needed_dirs); } /* * disk_free_space() could return false. Assume that any falsey value is an error. * A disk that has zero free bytes has bigger problems. * Require we have enough space to unzip the file and copy its contents, with a 10% buffer. */ if (self::wp_doing_cron()) { $available_space = function_exists('disk_free_space') ? @disk_free_space(WP_CONTENT_DIR) : false;// phpcs:ignore Generic.PHP.NoSilencedErrors.Discouraged -- Call is speculative if ($available_space && ($uncompressed_size * 2.1) > $available_space) { return new WP_Error('disk_full_unzip_file', __('Could not copy files.').' '.__('You may have run out of disk space.'), compact('uncompressed_size', 'available_space'));// phpcs:ignore WordPress.WP.I18n.MissingArgDomain -- The string exists within the WordPress core. } } $needed_dirs = array_unique($needed_dirs); foreach ($needed_dirs as $dir) { // Check the parent folders of the folders all exist within the creation array. if (untrailingslashit($to) == $dir) { // Skip over the working directory, We know this exists (or will exist) continue; } // If the directory is not within the working directory then skip it if (false === strpos($dir, $to)) continue; $parent_folder = dirname($dir); while (!empty($parent_folder) && untrailingslashit($to) != $parent_folder && !in_array($parent_folder, $needed_dirs)) { $needed_dirs[] = $parent_folder; $parent_folder = dirname($parent_folder); } } asort($needed_dirs); // Create those directories if need be: foreach ($needed_dirs as $_dir) { // Only check to see if the Dir exists upon creation failure. Less I/O this way. if (!$wp_filesystem->mkdir($_dir, FS_CHMOD_DIR) && !$wp_filesystem->is_dir($_dir)) { return new WP_Error('mkdir_failed_'.$method, __('Could not create directory.'), substr($_dir, strlen($to)));// phpcs:ignore WordPress.WP.I18n.MissingArgDomain -- The string exists within the WordPress core. } } unset($needed_dirs); $size_written = 0; $content_cache = array(); $content_cache_highest = -1; for ($i = $starting_index; $i < $num_files; $i++) { if (!$info = $z->statIndex($i)) { return new WP_Error('stat_failed_'.$method, __('Could not retrieve file from archive.'));// phpcs:ignore WordPress.WP.I18n.MissingArgDomain -- The string exists within the WordPress core. } // directory if ('/' == substr($info['name'], -1)) continue; // Don't extract the OS X-created __MACOSX if ('__MACOSX/' === substr($info['name'], 0, 9)) continue; // Don't extract invalid files: if (0 !== validate_file($info['name'])) continue; if (!empty($folders_to_include)) { // Don't extract folders that we want to exclude $path = preg_split('![/\\\]!', untrailingslashit($info['name'])); if (isset($path[1]) && !in_array($path[1], $folders_to_include)) continue; } // N.B. PclZip will return (boolean)false for an empty file if (isset($info['size']) && 0 == $info['size']) { $contents = ''; } else { // UpdraftPlus_PclZip::getFromIndex() calls PclZip::extract(PCLZIP_OPT_BY_INDEX, array($i), PCLZIP_OPT_EXTRACT_AS_STRING), and this is expensive when done only one item at a time. We try to cache in chunks for good performance as well as being able to resume. if ($i > $content_cache_highest && 'UpdraftPlus_PclZip' == $class_to_use) { $memory_usage = memory_get_usage(false); $total_memory = $updraftplus->memory_check_current(); if ($memory_usage > 0 && $total_memory > 0) { $memory_free = $total_memory*1048576 - $memory_usage; } else { // A sane default. Anything is ultimately better than WP's default of just unzipping everything into memory. $memory_free = 50*1048576; } $use_memory = max(10485760, $memory_free - 10485760); $total_byte_count = 0; $content_cache = array(); $cache_indexes = array(); $cache_index = $i; while ($cache_index < $num_files && $total_byte_count < $use_memory) { if (false !== ($cinfo = $z->statIndex($cache_index)) && isset($cinfo['size']) && '/' != substr($cinfo['name'], -1) && '__MACOSX/' !== substr($cinfo['name'], 0, 9) && 0 === validate_file($cinfo['name'])) { $total_byte_count += $cinfo['size']; if ($total_byte_count < $use_memory) { $cache_indexes[] = $cache_index; $content_cache_highest = $cache_index; } } $cache_index++; } if (!empty($cache_indexes)) { $content_cache = $z->updraftplus_getFromIndexBulk($cache_indexes); } } $contents = isset($content_cache[$i]) ? $content_cache[$i] : $z->getFromIndex($i); } if (false === $contents && ('pclzip' !== $method || 0 !== $info['size'])) { return new WP_Error('extract_failed_'.$method, __('Could not extract file from archive.').' '.$z->last_error, json_encode($info));// phpcs:ignore WordPress.WP.I18n.MissingArgDomain -- The string exists within the WordPress core. } if (!$wp_filesystem->put_contents($to . $info['name'], $contents, FS_CHMOD_FILE)) { return new WP_Error('copy_failed_'.$method, __('Could not copy file.'), $info['name']);// phpcs:ignore WordPress.WP.I18n.MissingArgDomain -- The string exists within the WordPress core. } if (!empty($info['size'])) $size_written += $info['size']; do_action('updraftplus_unzip_file_unzipped', $file, $i, $info, $size_written, $num_files); } $z->close(); return true; } } @keyframes rotateInUpRight { from { transform-origin: right bottom; transform: rotate3d(0, 0, 1, -90deg); opacity: 0; } to { transform-origin: right bottom; transform: none; opacity: 1; } } .rotateInUpRight { animation-name: rotateInUpRight; } Development of the Microcredit Market in the World and Kenya | MULTIBET

    Development of the Microcredit Market in the World and Kenya

    By /
    Table of Contents hide
    1 Development of the Microcredit Market in the World and Kenya
    2 Global Development of Microcredit
    3 Key Trends in Global Microcredit
    4 Development of Microcredit in Kenya
    5 Key Trends in Kenya’s Microcredit Market
    6 Challenges in the Microcredit Market
    7 Future Prospects
    8 References

    Development of the Microcredit Market in the World and Kenya

    Microcredit has emerged as a revolutionary financial service aimed at providing small loans to entrepreneurs and small businesses that lack access to traditional banking services. The concept, pioneered by Muhammad Yunus and the Grameen Bank in Bangladesh, has since expanded globally. This article explores the development of the microcredit market worldwide and specifically in Kenya, highlighting key trends, challenges, and future prospects.

    Global Development of Microcredit

    Microcredit has seen significant growth worldwide since its inception in the 1970s. Its primary goal is to alleviate poverty by enabling self-employment and income generation for underserved populations. The following table summarizes the key milestones in the global development of microcredit:
    Year Milestone Description
    1976 Founding of Grameen Bank Muhammad Yunus establishes Grameen Bank in Bangladesh, pioneering the modern microcredit movement.
    1997 Microcredit Summit Campaign Launch of a global campaign to reach 100 million of the world’s poorest families with microcredit.
    2006 Nobel Peace Prize Muhammad Yunus and Grameen Bank awarded the Nobel Peace Prize for their efforts to create economic and social development from below.
    2010 International Year of Microcredit United Nations designates the year to promote microfinance and its impact on poverty reduction.
    2020 Digital Microfinance Expansion Significant growth in digital platforms offering microcredit services, especially in developing countries.

    Key Trends in Global Microcredit

    • Digital Transformation: The advent of digital technology has revolutionized microcredit by improving access, reducing costs, and enhancing efficiency. Mobile money services and digital lending platforms have made microcredit more accessible to remote populations.
    • Increased Regulation: Many countries have introduced regulatory frameworks to oversee microfinance institutions (MFIs) to ensure consumer protection and financial stability.
    • Diversification of Services: MFIs have expanded their services beyond credit to include savings, insurance, and remittances, catering to the broader financial needs of their clients.
    • Focus on Women Empowerment: Microcredit programs have increasingly focused on women, recognizing their role in community development and their higher repayment rates.

    Development of Microcredit in Kenya

    Kenya has been a pioneer in leveraging mobile technology to expand financial inclusion – best loan apps in Kenya without CRB (Credit Reference Bureau) check. The microcredit sector in Kenya has grown significantly, driven by innovations such as M-Pesa and other mobile banking services. The following table outlines the development milestones in Kenya’s microcredit market:
    Year Milestone Description
    2007 Launch of M-Pesa Introduction of the mobile money service M-Pesa by Safaricom, transforming financial transactions in Kenya.
    2012 Establishment of M-Shwari Launch of M-Shwari, a mobile-based savings and loan product, in partnership with Commercial Bank of Africa.
    2015 Digital Lending Platforms Emergence of multiple digital lending platforms such as Tala and Branch, offering instant microloans via mobile apps.
    2018 Regulation of Digital Lenders The Central Bank of Kenya begins regulating digital lenders to ensure consumer protection.
    2021 Growth of Agrifinance Expansion of microcredit services tailored to the agricultural sector, supporting smallholder farmers.

    Key Trends in Kenya’s Microcredit Market

    1. Mobile Money Integration: The integration of microcredit services with mobile money platforms has significantly increased accessibility and convenience for borrowers.
    2. Diversified Product Offerings: Kenyan MFIs offer a range of products, including group loans, individual loans, and tailored products for specific sectors such as agriculture.
    3. Regulatory Oversight: Increased regulatory measures have been implemented to protect consumers and ensure the sustainability of digital lending practices.
    4. Focus on Financial Literacy: MFIs and digital lenders have emphasized financial literacy programs to help borrowers make informed financial decisions.

    best loan apps in Kenya without CRB

    Challenges in the Microcredit Market

    Despite its success, the microcredit sector faces several challenges both globally and in Kenya:
    • Over-Indebtedness: Borrowers often take multiple loans from different lenders, leading to over-indebtedness and financial stress.
    • High Interest Rates: Microcredit interest rates can be significantly higher than traditional bank loans, making it difficult for borrowers to repay.
    • Regulatory Challenges: Ensuring proper regulation without stifling innovation remains a delicate balance.
    • Sustainability of MFIs: Many MFIs struggle with sustainability due to high operational costs and low profit margins.

    Future Prospects

    The future of microcredit looks promising, with potential developments including:
    • Enhanced Digital Platforms: Continued innovation in digital financial services is expected to improve the reach and efficiency of microcredit.

     

    • Blockchain Technology: Blockchain could offer transparent and secure transaction mechanisms, reducing fraud and improving trust in microcredit systems.

     

    • Impact Investment: Increased interest in impact investing could provide more capital to MFIs, enabling them to expand their reach and services.

     

    • Collaboration with Traditional Banks: Partnerships between MFIs and traditional banks could enhance the range of services offered and improve financial inclusion.
    The microcredit market has made significant strides in promoting financial inclusion and alleviating poverty worldwide and in Kenya. With the ongoing digital transformation and innovative financial solutions, the sector is poised for further growth and development. However, addressing the challenges of over-indebtedness, high interest rates, and regulatory oversight will be crucial for the sustainable success of microcredit initiatives.

    References

    Yunus, M. (2006). Banker to the Poor: Micro-Lending and the Battle Against World Poverty. PublicAffairs.
    Central Bank of Kenya (2021). Annual Report on the Microfinance Sector.
    Microcredit Summit Campaign (1997-2020). State of the Microcredit Summit Campaign Reports.

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