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From financial inclusion to inclusive finance: The power of frameworks to catalyse change

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

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Blog

Money to the grassroots: Rethinking agricultural finance models

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)?

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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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Blog

Can platforms and technology accelerate the African Green Revolution?

The agricultural sector in Africa is yet to take off despite being the dominant employer and the key contributor to the gross domestic product (GDP) for most countries on the continent.

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Blog

Hustlers: Entrepreneurs whose success we can bank on!

A little over a month ago, we confirmed an exciting hypothesis  that it is actually possible to predict the propensity of success for Kenyan “hustlers” based on data mining and qualitative research

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Blog

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

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

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

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 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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Blog

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

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

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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Article

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

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

Please, no snails in my beer: Should a duty of care be introduced for financial service providers?

Manufacturers of cars or microwave machines are duty bound to ensure that their products are safe for use. Why can’t financial regulation introduce a similar obligation to ensure financial products and services are not negligently developed and sold, causing harm to consumers?

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Blog

Inclusive finance? Not there yet…

As I reflect on my first month leading FSD Kenya, I am struck by both the challenges we face as well as the opportunities we can seize to truly create value through inclusive finance in Kenya.

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Blog

What solutions would make a difference in education finance?

Education presents an opportunity for poor households to break out of the poverty cycle in future. What are some of the interventions and finance solutions that have made a difference in education finance?

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Blog

How poor households invest in their children’s future

Education is the top priority for Kenyans according to FinAccess Household Survey 2019. Poor households particularly attach high value to educating their children.

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Blog

Building livelihoods using inclusive finance for chicken farming

FSD Kenya set out to explore ways of using finance to build livelihoods of poor households in Kitui. The survey identified indigenous poultry and pulses as the agriculture value chains with the greatest opportunity for low-income households.

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Blog

Moving from financial access to inclusive finance

FinAccess 2019 was launched last week by the Governor of the Central Bank of Kenya.  The results from this national household survey provide a comprehensive and authoritative picture of the retail financial services sector 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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Consumer insights

The 2019 finaccess household survey – media brief

This Financial Access (dubbed FinAccess) Household Survey 2019 is the fifth in a series of surveys that measure and track developments and dynamics in the financial inclusion landscape in Kenya from the demand–side.

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Blog

When pricing is live, competition will thrive

If we want truly dynamic and competitive pricing, we just need to empower consumers’ data to be the oil that lubricates a new type of marketplace.

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Consumer insights

Dignity, respect, and consumer debt

Financial Sector Deepening-Kenya is proud to be a supporting partner of Dignity and Debt‘s project that involves the use of AI to marshal citizen voices about their experiences with digital credit.

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Blog

What is good regulation and why does it matter for finance?

When clear rules that govern the financial sector are enforced well, it ensures that both providers and consumers emerge from the market place as winners

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Consumer insights

Digital credit in Kenya: evidence from demand-side surveys

In the past five years, digital loans have transformed the market for credit in Kenya. For millions of adults, the possibility of borrowing from their phones has opened the door to private, formal consumer credit for the first time.

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Protecting consumers means thinking like consumers
Consumer insights

Protecting consumers means thinking like consumers

Joseph and Alice are not real people, but the impact of behavioral research on consumer protection is anything but hypothetical. Across the world, consumer protection authorities have been using behavioral research to inform everything from post-financial crisis rules for mortgage brokers to regulations on new mobile and app-based financial services.

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