Financial Diaries

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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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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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Consumer insights

Fin::voices

This interactive data visualization tool enables users to explore how over 290 participants from the Kenya Financial Diaries study viewed their lives, money and financial services.

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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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Blog

10 Things You didn’t know about Financial Access

Financial access is accelerating

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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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Blog

10 things you didn’t know about financial inclusion in Kenya

Financial inclusion is growing, and fast. Kenyans excluded from any form of financial service dropped from over 40% of adults to 17% between 2006 and 2016.

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3rd FSD Kenya Public annual lecture 2017 – Watch Online
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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Blog

Return on Investment: Making Remittances Work for Africa

Vibrant social networks are what make Kenya unique and modern technology is making them functional.

Friends and family make for a happier and more fulfilled life but in Kenya, they’re also the key to survival.

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Events

“The increasingly crowded savannah”: The 2nd FSD Kenya annual lecture

This year’s annual lecture will be delivered by Rafe Mazer, a Financial sector specialist at CGAP.

Join us for what we expect will be a stimulating discussion on competition and consumer protection in Kenya’s financial sector.

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Consumer insights

Losing a big bet: Annette

At 29, Annette is already a widow.  When we met her, she lived in a rented house now near a shopping centre along the main road in Vihiga.  Her in-laws were never very fond of her, and after her husband’s death they chased her off the land where the two were living.

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Consumer insights

Finance & fortune

How exactly do financial services impact low income Kenyans? In this note, we extract the stories of eight respondent households from the Financial Diaries.

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Consumer insights

Renting and brewing on the road to growth: Stella & Duncan

Duncan was born in the rural community in Vihiga where he still lives today.  His father died when he was six years old.  His mother struggled to take care of her children alone.  Because of that financial pressure, Duncan did not go to high school and instead began working from a young age.

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Consumer insights

At last, independence: Lucy

For Lucy, the trouble started early.  As exams approached at the end of primary school, her parents were fighting.  Her father was drinking a lot and had a number of mistresses.  They quarreled openly; nothing was normal at home.

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Consumer insights

Hustle pays off: Matthew

Matthew has been a hustler for as long as he can remember.  He did well in primary school and wanted to go on to a good secondary school.  But, his mother at home was paralyzed and couldn’t work.  His father, he says, “Is just a farmer, you know.  He doesn’t take this issue of school seriously.” 

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Consumer insights

New income & new burdens: Henry & Naomi

Henry, one of eight children, was only able to go to school until form two, the second year of secondary school, when his parents had to pull him out because they could no longer afford the fees. 

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Consumer insights

Mounting responsibilities in old age: Janet & Joseph

Janet and Joseph have been together for 50 years.  Janet had been in school up to class seven, when she dropped out, pregnant with their first child.  She was eighteen years old.  They stayed together at Joseph’s rural home for a few years until he decided to move to Kericho and look for work. 

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Consumer insights

Struggling for School Fees: Magdalene

Compared to most households in her community in Makueni, Magdalene has been doing pretty well.  She earned most of her income in the Diaries from selling clothes on market days around the county. 

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Consumer insights

From the ghetto to the good Life: Ernest & Greta

Ernest grew up in a rural area in Kenya’s Central region and help from family enabled him to move to Nairobi for accounting studies in 1998 after finishing high school.  He completed Certified Public Accounting training up to section four, but found it hard to get a job.  In 2003, he found himself desperate. 

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Blog

Six secrets of the self-employed

This is the second post in a three-post blog series introducing publications from our recently concluded Kenya Financial Diaries update study, conducted with BFA.

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Consumer insights

Small “b” biashara

Self-employment is a major source of income for low income Kenyans, and Financial Diaries respondents are no exception. When we talked to respondents in 2015, two years after the close of the original Diaries, those whose economic lives were improving pointed to business returns as one of the main drivers of their success.

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Blog

Where are they now?

Over the next three weeks, we will be releasing three publications based on findings from the Kenya Financial Diaries Update, a follow up study with the Kenya Financial Diaries households.

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Consumer insights

Trickling down & climbing up

In late 2015, we followed up with Financial Diaries households to check in on their economic lives two years after the initial Diaries study ended. We wanted to know how they are doing now, the factors driving changes in their economic lives, and the role that financial services and financial choices were playing in their economic trajectories.

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Publications

A buck short: What Financial Diaries tell us about building financial services that matter to low-income women

This report draws on Financial Diaries data from India, Kenya, and Mexico to enhance the field’s understanding of women’s financial lives, and to highlight provider-led opportunities to better serve this important market segment.

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Social networks of mobile money in Western Kenya
Blog

From observations to opportunities: How the voice of the customer can guide innovation

To increase access to finance in the agricultural sector, various players have implemented initiatives to help smallholder farmers and pastoralists to access financial solutions. The many initiatives over time have had varying degrees of success.

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Blog

Beyond the pricetag: The real benefits of off-grid solar

Exploring the affordability and value of solar home solutions.

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Blog

What do people get out of gambling?

Sports gambling is an equal opportunity pleasure

Beyond the immediate rewards of 1) the euphoria of winning small amounts, and 2) the dream of one day hitting the jackpot, other motivations and benefits of participation in gambling include earning side money from sports research, increased social interaction, and, eventually, greater exposure to other features on the internet.

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