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in partnership with the financial services industry the
goal of the Trust is to significantly expand access to services
among lower income households and smaller scale enterprises.
FSD’s primary focus is developing the capacity of the financial
services industry, working directly with a diverse range
of financial institutions (at the micro level), business
service providers and support institutions (at the meso
level). In doing so it compliments other initiatives – such
as the Government’s reforms of the enabling environment
(at the macro level) and wholesale lending programmes supporting
emergent micro-finance institutions (MFIs).Projects and
activities of FSD are grouped in themes, namely
Core Financial System, Rural Finance, Finance for growth - GrowthFin. |
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CORE FINANCIAL
SYSTEM
The future development of the formal financial
system remains key to the achievement of FSD Kenya's
objectives. In FSD Kenya's earlier work in this
area under two theme areas (building core capacity
and development of the payments system) there
had been a strong emphasis on the micro level.
This new theme area addressing the development
of the formal financial system will consolidate
these earlier two theme areas and gradually evolve
towards an emphasis on market infrastructure away
from working directly with market players.
read more... |
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RURAL FINANCE
Currently Kenyans
in rural areas are less than half as likely to
use banking services than those in the urban.
It is clear that constraints to rural finance
remain from the micro, through meso to macro level.
FSD’s earlier work in this area had been
covered in two theme areas: strengthening semi-formal
rural delivery channels and agricultural finance.
Both continue to be relevant and looking for greater
integration between developing new delivery channels
and new products will increase impact. Interventions
will continue to be needed
at both micro and meso levels. Innovation
will demand continued work with retail players
while scaling up – especially service provision
based on systems of large numbers of small community
based organisations – will require a more
meso level approach.
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FINANCE FOR GROWTH
- GrowthFin
inclusive or shared growth continues to be a major
priority for government and is strongly linked
with the development of the SME sector.
Although comprehensive data on access to finance
by SMEs has yet to be produced the evidence indicates
that constrained access to appropriate finance
is a significant constraint to growth and development
of SMEs in Kenya. There are also strong
indications that women entrepreneurs face greater
constraints in accessing finance than men. FSD
Kenya's work
in the finance for growth theme area has shown
considerable promise and remins highly relevant.
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