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Blogs & publications

Corona case studies: Kibarua crunch

William lives in a small house in an informal settlement in Mombasa.  When we saw him last in 2015, he had recently married his girlfriend. 

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Blog
Blogs & publications

Corona case studies: Mountains beyond mountains

Kenyan families are trying to cope with perpetual strain

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Blog
Blogs & publications

The costs of coping with Coronavirus

Not only are Kenyans losing their incomes right now, they are also facing increased costs

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Blog
Blogs & publications

The ultimate stress test for financial resilience

How coronavirus adaptations are straining Kenyans’ most robust financial coping mechanisms

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Blog
Blogs & publications

Corona case studies: “If I had food, I would close the shop”

Millicent, 44, and Amos, 45, live in Eldoret with their 17-year-old daughter.  Amos has been working as a matatu driver and bus conductor for many years.  Millicent ran a small restaurant during the Diaries, but is now selling plastic wares from a small Mali Mali shop and knitting sweaters, which she sells mostly at back-to-school time.

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Blog
Blogs & publications

Weathering the COVID-19 storm: How will Kenyans cope?

The COVID-19 pandemic is testing the resilience of governments, health systems, large companies, small businesses and families worldwide.

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Blog
Blogs & publications

Predicting the propensity to succeed among Kenyan “Hustlers”

Shujaaz Inc. is a Kenyan communications research and production company. Formerly called Well Told Story, the company is the producer of “Shujaaz,” an award-winning media platform that provides open spaces – including online platforms – for youth to discuss personal and societal issues often considered sensitive or taboo within their communities.

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Blog
Blogs & publications

The art of cultivating youth skills and employment

This is the second blog in a three-part series on youth employment and skill-based work.

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Blog
Blogs & publications

Becoming business people: What we can learn about development initiatives from Northern Kenya

Laisamis is a settlement in Marsabit County in the Northern part of Kenya towards the Ethiopian border.

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Blog
Blogs & publications

How can inclusive finance help in a pandemic?

We were huddled in a routine team discussion at FSD Kenya when we received news of the first confirmed Covid-19 case in Kenya.  Like many others, we wondered what this might mean for our work, our families and our country in the days ahead.

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Consumer insights
Blogs & publications

What we learned from providing unsecured trade credit to small rural pharmacies

The inability of low-income households to access quality healthcare is a major challenge in dealing with unanticipated shocks. The challenge is bigger for rural households. Small rural pharmacies stock almost entirely generic medicines because these are the products that patients can afford. 

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Blog
Blogs & publications

Reflections from Sierra Leone: Investment in social protection provides an inclusive pathway to development

During a recent visit to Sierra Leone, I was fascinated by the country’s rich history, friendly people and the beautiful beaches of the Freetown peninsula, with miles and miles of white sand – albeit almost empty.

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Consumer Protection
Blogs & publications

Financially underserved Kenyans and their market potential: A segmentation study

This segmentation study identifies Kenyans whose financial needs are not adequately met by the solutions available in the financial market, as well as the untapped opportunities they offer to financial service providers. The study was conducted by FSD Kenya and the Consultative Group to Assist the Poor (CGAP), using data from FinAccess 2019.

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Blog
Blogs & publications

FSD Kenya’s new horizons for more inclusive finance

Today, I am honoured to represent FSD Kenya at the UK Africa Investment Summit in London. I am inspired by the potential of the entrepreneurs, investors, government officials and civil society organisations who are full of ideas, solutions, and drive to leverage connections and learning across the continent to grow Africa’s economy and wellbeing.

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FinAccess
Blogs & publications

Exploring the links between finance, technology and growth in Kenya

Starting with microcredit in the late 1980s, there has been a growing movement of multilateral institutions, private foundations, non-profits, corporations and governments that aims to provide formal financial services to low-income market segments around the world.

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Consumer insights
Blogs & publications

Focus note: Digital credit in Kenya

Since the launch of M-Shwari in 2012, the number of digital lenders and loans disbursed has grown substantially. Advances in credit scoring, few regulatory barriers and the widespread use of mobile phones and mobile money have enabled growth of the digital lending industry, giving borrowers a quick and convenient option for credit.

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Publications
Blogs & publications

Cost of banking 2019

This report is the second in a series of studies that measure the cost of banking services in Kenya. It follows the first report that was released in 2017 and constitutes a complementary element in the measurement of the financial inclusion landscape in Kenya.

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Blog
Blogs & publications

Provider, Platform, Product: Which ‘P’ should regulators target?

Technology has changed how services are developed and delivered to customers. Regulators are hard-pressed to figure out how to respond, what to regulate, and what to leave aside.

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Annual Lectures
Blogs & publications

5th FSD Kenya Public annual lecture 2019 – Reflections

On November 19, FSD held its annual lecture where David Ferrand shared his insights in a lecture titled ‘Financing Kenya: 2020 hindsight for Vision 2030’.

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Blog
Blogs & publications

Digital credit: not every winner must create a loser

The first article in a blog series examining the Kenyan credit market by FSD Kenya drew an analogy between the recent forest fires in the Amazon Jungle and the explosion of digital credit in Kenya.

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Consumer insights
Blogs & publications

Digital credit audit report: Evaluating the conduct and practice of digital lending in Kenya

Digital credit has been instrumental in granting formal credit in ways that were not conceivable a decade ago. It has provided individuals with the tools to manage their day-to-day needs and working capital for small enterprises.

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Blog
Blogs & publications

Bridging the gender divide: implications for Kenya’s 21st century pathway to inclusive growth

Natasha is a young woman who has a cake baking business on the outskirts of Nairobi. She has a bank account for her business which she uses intensively. Natasha’s business was doing well and she needed a loan to expand.

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Blog
Blogs & publications

Kenya’s youth and the long road to skill-based work

Combining education, apprenticeship, and start-up capital to surmount barriers and transform trajectories 

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Blog
Blogs & publications

Digital Credit – The most pressing problem in Kenyan credit markets – Really?

The focus on the potential and real risks of digital credit, while commendable, runs the risk of taking our collective eye off the wider credit market, which has a much more significant impact on Kenya’s economy.

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Article
Blogs & publications

Harnessing the market potential of financially underserved Kenyans

On the 5th of September 2019, the Financial Sector Deepening (FSD) Kenya and the Consultative Group to Assist the Poor (CGAP), held a stakeholder validation workshop in Nairobi, where they presented the findings of a research study that identified seven key financially underserved segments of the Kenyan population and discussed the potentially viable business cases and policy implications that financial market players could tap into.

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Article
Blogs & publications

Welcoming Anzetse Were

Financial Sector Deepening (FSD) Kenya is pleased to announce that Anzetse Were has joined the team as Economist, effective September 2019.

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Blog
Blogs & publications

What’s Twitter got to do with consumer protection?

Social media is changing customer service by shifting the ways in which consumers seek resolution of problems and the communications channels that firms make available to consumers.

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Blog
Blogs & publications

Exploring the economic potential of underserved segments of the Kenyan population

In April 2019, the 2019 FinAccess Household Survey revealed that Kenya had made extraordinary strides in financial inclusion. While FinAccess 2019 shows that financial inclusion has peaked at 83% among Kenyans, its findings also evoke poignant questions.

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Blog
Blogs & publications

Did you see my Tweet? Kenyans’ cries for financial consumer protection ring out on social media

The use of an alert system that flagged Twitter conversations on consumer protection topics, when they rose above certain thresholds, shows promise as a new consumer protection market monitoring tool that we could use in Kenya to address the substantial gaps in consumer protection monitoring and enforcement.

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Financial service providers
Blogs & publications

Did you see my tweet? Monitoring financial consumer protection via social media

Social media is changing customer service by shifting the ways in which consumers seek resolution of problems and the channels that firms make available to consumers.

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