Publications

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Covid-19

Graduation Resilience study findings for phase 1 and 2

FSD Kenya implemented a four-year pilot graduation project targeting beneficiaries of the Hunger Safety Net Programme (HSNP) in Laisamis Sub County (Laisamis, Gudas, Logologo, Korr, Merille, Irrir), which provides a bi-monthly cash transfer of Ksh 5,400 (about US$ 54).

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Annual reports

2020 Annual Report, FSD Kenya

Annual Report, FSD Kenya 2020

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Publications

Report – Onboarding of Third-Party Credit Information Providers

Kenya’s credit information sharing (CIS) mechanism has been under development for ten years now since the formal launch in July 2010. Anchored in the Banking Act, the mechanism was primarily
established for institutions licensed under the Banking Act.

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Dataset

Kenya household health expenditure and utilization survey (KHHEUS)

The KHHEUS is a national household survey that explores health seeking behavior, the utilization of health services, health spending, and health insurance coverage amongst Kenyan households.

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Dataset

Kenya financial diaries 2012-2013: Socio-economic and demographic datasets

This data pack contains several files (in .csv and .dta formats) with information collected about households and household members participating in the 2012-2013 Kenya Financial Diaries study.

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Publications

Corona case studies: ‘Waiting for nothing’

Agnes, 45, lives in rural Makueni with her children and elderly parents.  She had once been married, but her husband proved an unreliable partner.

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Consumer insights

Chart of the week: Where are commercial banks located in the market for savings?

Managing your money broadly means deciding how much to set aside for the future and how much to keep handy for short term uses.

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Publications

Is financial inclusion adding value for women; or is it the other way around?

This week is financial inclusion week, a good moment to take stock of the multibillion dollar ‘fortune at the bottom of the pyramid’ that has been so successfully reaped by the financial inclusion industry.

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Annual reports

2019 Annual report

The COVID-19 crisis is creating great uncertainty about what the future holds for the economy and well-being of all.

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Consumer insights

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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Consumer Protection

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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FinAccess

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

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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Consumer insights

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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Financial service providers

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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FinAccess

Inclusive Finance? Headline findings from FinAccess 2019

Kenya aims to become a middle-income country by 2030, delivering a high quality of life to all. Finance plays a central role in our economy, facilitating trade and underpinning the efficient pooling and allocation of resources and risk.

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Annual reports

2018 Annual report

FSD Kenya’s work is increasingly focused on trying to help harness the on-going disruption of the sector in a way which will create real value for people.

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FinAccess

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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Consumer insights

The 2019 FinAccess household survey

The 2019 FinAccess household survey is the fifth in a series of surveys that measure drivers and usage of financial services in Kenya. The 2019 report was officially launched on April 3rd 2019.

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Digital finance

‘Upliftment’, friends and finance: everyday exchange repertoires and mobile money transfer in Kenya

The 2016 FinAccess household survey has been cited in a recently published academic journal. Access and view the journal article via the link below.

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Annual Lectures

A glimpse into the future of fintech (brief)

In his delivery of the 4th FSD Kenya annual lecture on financial inclusion internationally recognised entrepreneur and business leader, Julian Kyula, discusses the world of fintech from an African continent perspective and the journey we must embark on to participate in how the digital world is changing.

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Digital finance

How is digital credit changing the lives of Kenyans?

With its launch in 2007, M-PESA changed the way Kenyans transact with each other. In doing so, impact studies found that it significantly improved the ability of social networks to help people manage shocks

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Consumer insights

Emerging data sharing models to promote financial service innovation: global trends and their implications for emerging markets

In countries as diverse as the United Kingdom, India, and Mexico, there is momentum to increase consumers’ ability to access, manage, and control their digital identity and history.

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