This paper identifies the ways in which current financial service offerings are used and deployed by women and men towards achieving their goals for wellbeing. In the context of an on-going, gendered gap in access to formal financial services the research set out to investigate how and in what ways this relates to the aspirations and actions of men and women; the ways in which differences in access and use of financial services might be explained by the different motivations they have for using them and the skills with which they use them.
Johnson, S. (2015). Capacities to aspire and capacities to save: A gendered analysis of motivations for liquidity management. Nairobi, Kenya: FSD Kenya.