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Blogs and publications

A new approach to women’s economic empowerment: FSD Kenya’s Marsabit Pilot

In 2016 FSD Kenya branched outside our core financial inclusion remit to embark on a new pilot in Marsabit county where we sought to develop a more holistic approach to economic inclusion. The ambition was to deepen the value of finance in people’s lives, moving beyond financial access and use and investing in building capabilities and market linkages to enable finance to yield stronger impacts on livelihood resilience and growth. Our aim was to reach the extreme poor and especially women, who are not well served by the financial sector.

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Blogs and publications
Blogs and publications

Conceptualisations and Practices of Resource Exchange and ‘Saving’: A Case-Study among Kamba in Kitui

Among the Kamba of Kitui the domains of resource exchange and ‘saving’ include everyday Kamba terms (e.g. mukilye (uplifting)) that are ideologically charged . Characteristically, they entail implicitly understood Kamba values and norms of behaviour that are generally identified with among the Kamba of Kitui.

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Blogs and publications
Blogs and publications

Promoting Kenya’s exports: a country- and product-specific analysis

FSD Kenya partnered with the Overseas Development Institute’s program on Supporting Economic Transformation (SET) to research and better understand Kenya’s trade relationship with a focus on exports.

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Article
Blogs and publications

Data Privacy and Protection in Kenya: A Regulatory Review

This document has been developed to provide a review of the regulatory framework for data protection in Kenya. The report takes a broad view of what constitutes the regulatory framework, going beyond the Data Protection Act, 2019 (DAPA) to include the European General Data Protection Regulation (GDPR) and the California Consumer Protection Act (CCPA).

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Blog
Blogs and publications

How 2,000 Shillings is Changing the Narrative for Fisherfolk in Busia County

I knew this Focus Group Discussion would be an interesting one, but nothing
prepared me for what was about to go down in the next two and half hours.

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Blog
Blogs and publications

Reflecting on the 2021 FinAccess numbers

I love numbers, charts, infographics and digging into insights, especially from the robust FinAccess survey that FSD Kenya has co-led with the Central Bank of Kenya (CBK) and the Kenya National Bureau of Statistics (KNBS) since 2005. Not just because I find it interesting, but because FinAccess is a temperature check for Kenya’s financial inclusion and financial health. FinAccess points us to the questions which remain open about how Kenya’s financial system can deliver on its promise  in meeting the needs of the real economy. As we closed 2021 with the FinAccess launch on the 15th of December, I had the honour of sharing some of these initial questions as I reflected on the numbers in my remarks. I look forward to exploring the answers with many across the sector as well as surfacing more questions that can lead us further down the path of a truly inclusive financial system for Kenya.

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FinAccess
Blogs and publications

FinAccess household surveys

The FinAccess Household Survey, commonly referred to as FinAccess, is a series of surveys jointly conducted by the Central Bank of Kenya (CBK), the Kenya National Bureau of Statistics (KNBS) and FSD Kenya every two to three years to establish the level of financial inclusion, as well as to measure the drivers and usage of financial services in Kenya.

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Blogs and publications
Blogs and publications

Gendered review of Financial Sector Laws in Kenya

Globally, fifty-six percent of the unbanked adults are women. In Kenya, the situation is similar. More women are unbanked, in comparison to men. Various steps have been undertaken to address the financial exclusion of women, and though the gender gap has been narrowing over time, it persists.

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Blogs and publications
Blogs and publications

FinAccess MSE Covid-19 Tracker survey

FSD Kenya in partnership with the Kenya National Bureau of Statistics and the Central Bank of Kenya and FSD Kenya ran a survey of micro businesses (MSEs) to track the impacts of COVID-19 on this population. Based on a sample of microbusinesses drawn from the FinAccess 2019 household survey, the survey tracked key metrics such as business revenue, customer flow, employment, use of finance and challenges faced by MSEs between February 2020 (before the pandemic) and July 2021.

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Blog
Blogs and publications

State of the economy report

This state of the economy report is a data brief on the key macroeconomic and households developments in Q2 an Q3 of 2021 as follows

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Blog
Blogs and publications

An opportunity for county governments to attract climate finance

As the 2021 COP26 came to an end in Glasgow Scotland, consensus resonated around the need to substantially scale up funding for developing countries to assist with the costs of both mitigation and adaptation

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Blog
Blogs and publications

National Rating Bill 2021

The Ministry of Lands and Physical Planning has published a draft National Rating Bill 2021 to allow for stakeholder engagement. The Bill seeks to repeal the current Valuation for Rating Act of 1956 (Cap 266) and the Rating Act of 1963 (Cap 267) and seeks to modernize the rating laws to conform them to Article 209 (3) of the Constitution of Kenya 2010 which empowers county governments to impose property taxes.

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Blog
Blogs and publications

Can innovative finance help low-income households better cope with health shocks?

Health shocks have a debilitating impact, especially on low-income households. Such households often lack access to appropriate finance solutions such as insurance to cushion themselves against the related non-routine income expenditures.

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Blog
Blogs and publications

Climate Finance: Four ways Africa can secure this new wave of financing

The Covid-19 pandemic has raised the profile of climate finance globally adding momentum to the $100 billion in climate finance that was promised by rich countries in 2009.

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Blogs and publications
Blogs and publications

Gendered financial products research

This research seeks to unearth the financial needs and demands of urban female retail traders in Kenya by exploring how their financial needs are being met, through which instruments, and in turn, where the opportunities lie to drive improved or increased access to financial products.

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Blog
Blogs and publications

FSD Kenya COVID-19 Tracker – Finances, Health, and Coping in Kenya Infographic

The earning population in Kenya has risen by May 2021 from a low point in June 2020; but median income has gone down reflecting pressure on the wider economy. Check out the latest wave of the FSD Kenya COVID 19 Tracker to find out more…

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Blog
Blogs and publications

Mobile Money 1 year into a pandemic – a shift away from cash towards a cash-lite economy

2020 was an epic year for mobile money. The Covid-19 pandemic, and the responses to it, precipitated an increase in mobile money usage by nearly every metric.

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Blog
Blogs and publications

Combining HCD Research, Testing, and Pilot Learning for Microinsurance Design

Through its AfyaPoa range of products, Insurance for All (IFA) has been delivering affordable and relevant protection to underserved Kenyans in the informal sector for over two years.  Intending to broaden its reach through new gig economy partnerships and strengthen and improve its products and distribution approaches, IFA, with support from FSD Kenya and research assistance from 17 Triggers, conducted a four-month research and design phase followed by a six-month pilot.

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Blogs and publications
Blogs and publications

Report – New Business Models for Financing the Creative Sector Research

The creative sector sub-sectors such as crafts, design, film/ motion picture, music/sound recording, Kenyan market hosts a vibrant, varied with creatives in multiple performance arts, photography, visual art among others. Creative enterprises play a unique role in building cultural cohesion, expressing cultural identity, as well as being an important source of jobs and export earnings. Creative enterprises in Kenya are primarily informal with little incentive to register their operations.

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Blogs and publications
Blogs and publications

Data Privacy and Protection: Guidance Note to Kenya’s Digital Financial Services – Report

In May 2017, a special focus in The Economist likened data to the fuel of the future, noting that “data are to this century what oil was to the last one: a driver of growth and change” predicting that the largest conglomerates of the future will be data-driven firms like Google, Tencent, Amazon, and so on, in much the same way the previous century’s oil and manufacturing conglomerates defined the industrial revolution.  

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Affordable housing
Blogs and publications

Landlord and Tenant Bill

On Thursday July 29th 2021, FSD Kenya made oral submissions to the Parliamentary Committee reviewing the Landlord and Tenant Bill 2021.

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Digitisation and knowledge portal to promote affordable housing
Affordable housing
Blogs and publications

Digitisation and knowledge portal to promote affordable housing

Recent technological innovations in Kenya are going far in supporting the growth of Kenya’s affordable housing market, by providing an opportunity to leapfrog the less flexible systems that have  dominated housing supply in the past.

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Blog
Blogs and publications

How has COVID-19 impacted Financial Service Associations?

Restrictions introduced in March 2020 to control the spread of COVID-19 have had a devastating effect on rural livelihoods in Kenya.

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Publications
Blogs and publications

Surviving 2020: Lessons on Resilience from Kenya’s COVID diaries

Insights from these interviews suggest a number of ideas for intervention to support recovery and rebuilding.

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Blog
Blogs and publications

How can inclusive finance build resilience in a world of shared resources?

In November 2020, FSD Kenya was invited to co-chair a session at the Royal Academy of Engineering’s Frontiers of Development Symposium. The 2020 symposium, bringing together experts and mid-career professionals from sciences and social sciences, debated the question: ‘How can we build resilience in world of shared resources?’. The symposium focused on 3 areas: economic resources, human resources and natural resources. FSD Kenya was asked to co-chair a session on economic resources together with Eka Ikpe of Kings College London. 

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Blog
Blogs and publications

Why economists need to pay attention to social relations

COVID-19 has underlined the need to fundamentally re-imagine the ways in which we produce and distribute resources.

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Blogs and publications
Blogs and publications

Report – State of the Kenyan economy: Focus on Digitisation and the impact of COVID-19 on MSEs

In Kenya, divergence trends continue with macroeconomic resilience masking sustained inequalities and divergence in recovery. On one hand, inflation remains reasonable; export performance has been relatively strong (especially relative to other African countries); diaspora remittances have been robust; and the mobile money sector has demonstrated sustained resilience and growth.

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