Blogs and publications

The building livelihoods programme is a modified financial graduation project that emphasises market-based programme components to increase cost-effectiveness and potential for scale. The aim of the programme is to help those living in extreme poverty build sustainable livelihoods through business to enable them to live above the ‘survival threshold’, whereby households can meet basic food needs without external assistance (Fitzgibbon & Cabot Venton, 2014).

On the morning of November 3rd, 2020, I was honoured to be part of the launch of the Year of Climate Action in Kenya (#YoCaKenya).

Kenya has received world-wide recognition as leader in financial innovation. This is a laudable achievement because finance holds the potential to unlock solutions to the real-world problems that Kenyans face in their daily lives.

In this series of mini-interviews, researchers and respondents in the Kenya Financial Diaries reflect on their experiences. 

Parents across Kenya are receiving ambiguous messages about the timing of school re-openings amid the coronavirus outbreak.

In 2019, FSD Kenya and Turaco – a Kenyan microinsurtech startup providing simple, low-cost health and life insurance products to emerging market consumers – collaborated on a three-month pilot project in with a leading digital lender in Kenya. The study found that 80% of respondents were most interested in an in-patient cover to cushion the cost of hospital admissions, saying getting such insurance for free is incentive enough to repay their loans on time. Almost 50% of the treatment group opted in to having insurance payments added to their future loans, citing the idea of low-cost insurance from a financial service provider they know and trust as a key incentive.

The year 2020 will undoubtedly go down in history as the point in time when COVID-19 paralysed the world.

Between 7 September and 14 October, our team spoke with 207 participants from the Kenya Financial Diaries, tracing the ways COVID-19 was impacting their lives.

As we completed a new round of COVID-19 Diaries interviews in mid-October, we noticed a shift in the story of economic hardship.

On average, families in the Kenya Financial Diaries started to see improvements in their economic situation as of October 2020, but incomes are still far from normal.

Below, we’ll discuss the power of frameworks in shaping research and providing insights for financial inclusion policy and investment.

Why is agricultural sector the least funded sector in Kenya by the formal financial sources despite being the largest sector in terms of GDP contribution (at over 50% GDP contribution directly and indirectly)?

The Covid-19 pandemic is throwing a curved ball at us. It has made planning virtually impossible.

After several years of “hustling,” my friend Njoroge saved money enough to construct his own little fruit shack in the Hurlingham suburb of Nairobi.

In mid-July we interviewed a subset of FSD Kenya/CARE’s Building Livelihoods programme beneficiaries in Northern Kenya to understand the extent to which resources built up through the programme are supporting resilience of beneficiary households during COVID-19, and how these compare and interact with traditional pastoralist coping mechanisms.

“Things are getting bad,” Vanessa told us. When we spoke with her in late June, her family had just about run out of food and were waiting for the next harvest.

As COVID-19 continues to ravage economies across the world, a key point of emerging macroeconomic focus is its variated impact at sectoral level.