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Blogs and publications

Informal vs formal: The need for financial services to complement, not compete

Our third “Field Friday” exercise reveals lessons for formal financial service providers to learn from informal services.

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Blog
Blogs and publications

Where are they now?

Over the next three weeks, we will be releasing three publications based on findings from the Kenya Financial Diaries Update, a follow up study with the Kenya Financial Diaries households.

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Consumer insights
Blogs and publications

Trickling down & climbing up

In late 2015, we followed up with Financial Diaries households to check in on their economic lives two years after the initial Diaries study ended. We wanted to know how they are doing now, the factors driving changes in their economic lives, and the role that financial services and financial choices were playing in their economic trajectories.

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Blog
Blogs and publications

Four differences and five similarities of digital credit markets in Kenya and Tanzania

While both Kenya and Tanzania registered fast uptake of digital credit, a new study by FSD Kenya and CGAP with almost 8000 individuals found considerable differences as well as similarities in the adoption and use of digital credit in the two countries.

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Blog
Blogs and publications

Using non-financial services to help banks and businesses build better relationships

How the use of non-financial services can help bankers deliver effective financing.

Poor communication between entrepreneurs and their bankers is often a stumbling block in the delivery of effective financing for enterprise growth throughout the world. The use of non-financial services (NFS) can help with this.

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Publications
Blogs and publications

A buck short: What Financial Diaries tell us about building financial services that matter to low-income women

This report draws on Financial Diaries data from India, Kenya, and Mexico to enhance the field’s understanding of women’s financial lives, and to highlight provider-led opportunities to better serve this important market segment.

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Blog
Blogs and publications

“The three padlocks”: Digitising the savings groups’ money box

Can digital innovations replicate the “three-padlock” concept of the money box?

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Blog
Blogs and publications

Transparency in finance: Is it a matter of life and death?

Financial institutions play a key role in enhancing trust in the financial system

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Credit market development
Blogs and publications

Credit on the cusp: Strengthening credit markets for upward mobility in Africa

Enthusiasm around the once-popular “Africa Rising” narrative is abating in the face of slower-than-expected growth, macro volatility deriving from continued reliance on raw material exports in many countries, and the reality of persistently high inequality.

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Credit market development
Blogs and publications

Living on the cusp

23% of sub-Saharan Africans are living in “cusper” households that get by on $2-$5 per person per day. This map shows their total percentage per country (relative to the overall country population) and size in millions

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Blog
Blogs and publications

Interest rates cap: views from Kawangware

Why residents of Kawangware welcome the interest rate cap

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Digital finance
Blogs and publications

API best practices

Beneath the surface of many of the disruptive applications we use everyday is a growing web of APIs – application program interfaces that enable applications to “talk” to one another.

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Blog
Blogs and publications

From observations to opportunities: How the voice of the customer can guide innovation

To increase access to finance in the agricultural sector, various players have implemented initiatives to help smallholder farmers and pastoralists to access financial solutions. The many initiatives over time have had varying degrees of success.

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Publications
Blogs and publications

Human centered design Africa toolkit

This toolkit has been designed to help you generate solutions in many different fields of interest, from agriculture, to manufacturing, to banking and new technology.

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Government and regulators
Blogs and publications

FSD Kenya: Ten years of a market systems approach in the Kenyan finance market

Kenya is seen widely as a ‘stand out’ success story on financial inclusion. The ten-year period from 2005 to 2015 witnessed enormous change in the financial sector.

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Blog
Blogs and publications

Beyond the pricetag: The real benefits of off-grid solar

Exploring the affordability and value of solar home solutions.

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Blog
Blogs and publications

What do people get out of gambling?

Sports gambling is an equal opportunity pleasure

Beyond the immediate rewards of 1) the euphoria of winning small amounts, and 2) the dream of one day hitting the jackpot, other motivations and benefits of participation in gambling include earning side money from sports research, increased social interaction, and, eventually, greater exposure to other features on the internet.

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Blog
Blogs and publications

From the statements: gambling behaviour

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Blog
Blogs and publications

Who Plays

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Blogs and publications
Blogs and publications

Non-financial services in SME banking

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Annual reports
Blogs and publications

2015 Annual report

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

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Blogs and publications
Blogs and publications

Financing SME growth in Kenya

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