1980 1985 1990 1995 2000 2005 2010 2.5 3.0 3.5 4.0 4.5 5.0 5.5 United States Kenya 0 2 4 6 8 United States Kenya 0 5,000 10,000 15,000 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 4.0 4.2 4.4 4.6 4.8 5.0 ▶ ▶ ▶ ▶ 0 200 400 600 800 1,000 1,200 Auto Credit Card Home Equity Other Student Loans 0 200 400 600 800 1,000 1,200 2010 2011 2012 2013 2014 2015 0 2 4 6 8 10 2010 2011 2012 2013 2014 2015 0% 20% 40% 60% 80% 100% Sep Mar Sep Mar 0 1,000 2,000 3,000 4,000 Sep Mar Sep Mar 0 1,000 2,000 3,000 4,000 2012 Nov Jan 2013 May Jul Nov Jan 2014 44% 22% 19% 15% 22% 19% 15% 44% 35% 80% 56% ″