Toi Market is a large and vibrant trading area on the edge of the Kibera informal settlement in Nairobi. Operating since 1983, the market has expanded to occupy some 6 acres of land and has become a key supplier of fresh produce for Nairobi. As a burgeoning economic centre, the Toi Market attracted a number of microfinance institutions (MFI) who provided business loans to traders. Despite the availability of investment finance, the market saw a decline around the year 2000, with traders closing down or defaulting on MFI loans. By 2003/4, half the market had closed.