Comparing loans with GDP is misguided for any country coz you don't use GDP to repay loans.The US can pile up all the debt they want as long their petrodollar regime remains in place but that also is being challenged by the RMB. Lastly Kenya is a net importer and the end game of unsustainable loans is economic collapse n complete currency devaluation.

Si mtalipa tu, you want good roads, high salaries, free education/healthcare, free everything....what do you expect?

Anyway, 50% of GDP is optimal. Ever heard of the word leverage? Use other peoples money to create wealth...wealth is never created out of thin air. (Too complex for @Impunity to understand)

He is talking of "WEALTHY" not "LIQUID". Those two are different.

There's nothing fancy about being debt free. Figure this you take your earning to the bank then the bank gives you a point something interest at the end of the year. Kamau goes to that same bank, gets some debt which he will payback lets say at 12%. He uses the money to buy some land and develops, sells it a year later at a profit of close to 100% gives the bank what he owes then goes on to the next project. Between the 3 of you, who's the smartest dwarf.

Back to the issue, you take up debt to build your capacity...pay back the debt with what you generate from your investment.

You the dwarf @kamau, who told you I dont have tu-prots?
Kamau the dwarf like you will go borrow from the bank and buy my plot then I will use the money to buy some plot and wait for him to come back 3 years later to by a new plot from me.
Who is dwarfer now?
You dont necessary need to borrow in order to grow weoth.
What you need is the original capital which manage very well.