Henry, one of eight children, was only able to go to school until form two, the second year of secondary school, when his parents had to pull him out because they could no longer afford the fees. 

Janet and Joseph have been together for 50 years.  Janet had been in school up to class seven, when she dropped out, pregnant with their first child.  She was eighteen years old.  They stayed together at Joseph’s rural home for a few years until he decided to move to Kericho and look for work. 

Compared to most households in her community in Makueni, Magdalene has been doing pretty well.  She earned most of her income in the Diaries from selling clothes on market days around the county. 

Ernest grew up in a rural area in Kenya’s Central region and help from family enabled him to move to Nairobi for accounting studies in 1998 after finishing high school.  He completed Certified Public Accounting training up to section four, but found it hard to get a job.  In 2003, he found himself desperate. 

This reports gives an overview of the major issues surrounding financial inclusion during 2015 and highlights 10 of our initiatives.

The inaugural annual lecture on financial inclusion was held at the historic Nairobi National Museum on Tuesday 17th November. It was a storming success. The lecture delivered by Dr Tavneet Suri examined the mobile money revolution in Kenya, and asked, can the promise of financial inclusion for all Kenyans be fulfilled?