Credit

Blog

For maximum value, financial innovation must address real world problems

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.

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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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Blog

Set sights on informal sector recovery

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

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Blog

Debts in distress: how ordinary people are finding the liquidity they need to survive COVID

“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.

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Blog

COVID-19 impact-recovery pathways for the economy: Features and implications

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

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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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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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Blog

Economic prospects for Kenya in the context of the COVID-19 crisis

The infection rate of COVID-19 is as yet low in Kenya, but the economic consequences are already biting.

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Blog

Will COVID-19 make or break community-based finance?

A big question amidst the current COVID-19 has been, how are community-based finance models fairing?

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Blog

Opportunities beyond Covid-19: It’s time for Kenya to nurture a fully digital economy

The recent months have been quite surreal for many across the globe.

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Report

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

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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Blog

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

Evolving agricultural credit: A combi-model for input and trade financing

FSD Kenya’s 2018 experiment with Apollo Agriculture illustrates how to start from a real economy problem and then innovate a suitable financial solution that helps unlock real value.

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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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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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Credit market development

Tech-enabled lending in Africa

A presentation and panel discussion by FSD Kenya on tech-enabled lending in Africa.

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Blog

Data sharing models: The potential for financial innovation and the risks that must be managed

There is a range of new data sharing models emerging that could have a significant impact on financial innovation in emerging markets.

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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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Blog

Light at the end of the tunnel: building livelihoods under tough conditions

“We have been working towards this moment for a long time. With the bank loans just a few weeks away we can see the light at the end of the tunnel.” 

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VIDEO – Through Kenyan eyes: perspectives on the value of financial services
FinAccess

VIDEO – Through Kenyan eyes: perspectives on the value of financial services

FSD Kenya has been working since 2005 to promote financial inclusion in Kenya. Kenya has made huge strides during this time with over 75% of the population having access to a formal account.

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Blog

Kenya’s digital credit revolution 5 years on

Digital credit has become a leading source of credit in Kenya. Who is using digital credit and what impact is it having on low-income customers?

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Consumer insights

The digital credit revolution in Kenya: an assessment of market demand, 5 years on

Five years after Kenya launched the world’s first digital credit solution, the market for digital credit has expanded rapidly in Kenya and many low-income countries. But exactly how big is the market? Who’s using digital credit? And what impact is it having on low-income customers?

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Blog

Why disruptive innovation in the financial sector can benefit poor people

Meaningful financial solutions can help poor people manage day to day, deal with risk and invest in the future.

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Financial service providers

Finance and living well

Kenya’s more successful mass market financial solutions have demonstrated the importance of social values by enabling poor Kenyans to manage their money in ways that cultivate their visions of well being.

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WATCH: The 3rd FSD Kenya annual lecture
Blog

How much does it cost to run bank accounts in Kenya?

Although this question seems simple and straightforward, answering it is more difficult than it looks.

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Article

The price of being banked

Kenya has experienced tremendous improvements in access to financial services over the last few years. However, little is known about the trends in affordability of financial services, especially for low-income earners.

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Annual reports

2016 Annual report

The report gives an overview of FSD Kenya’s proposed programme of activities and major issues surrounding financial inclusion during 2016 and highlights of our initiatives.

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