By Jim. H. Smith No one has ever questioned Jenipher’s work ethic. For decades, this 65-year-old Kenyan woman has operated a food stall in the central business district of downtown Nairobi. It has given her the wherewithal to support a family of three sons, and she has paid for the vocational school education of each. She is also the leader of a local group of responsible adults who support each other in their efforts to save money. Yet despite those facts, Jenipher had no credit rating. Like some 2.5 billion people worldwide, she lacked a financial identity, the very thing…