Poverty

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Publications

The price of being banked

This report outlines the findings from a two-year study by FSD Kenya to understand the costs for banking services in Kenya. Two rounds of mystery shopping surveys were completed in October and November of 2015 and 2016
to build a database and measure the costs for basic bundles of transactions such as opening, running and closing bank accounts.

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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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Blog

Unlocking opportunities for low income households – Mechanisms of behaviour change

The impact of the recent six-month drought is readily apparent. The earth is dry and cracked and most of the trees and shrubs are barren. Riverbeds are full of dried branches and the livestock that roam the area are but skeletons, with many dead along the road.

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Blog

The bright continent

Africa is the continent that will experience the effects of climate change first and worst. Which is why, on World Environment Day, we are pleased that Kenya is a leader in both rural electrification and clean energy innovation.

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Blog

Unlocking opportunities for the poor, Part One

For seven years, Najiri has received bi-monthly cash transfers from the Hunger Safety Net Programme (HSNP) a Kenyan government program in Northern Kenya

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Publications

Graduation pilot: Market assessment and IGA modeling

FSD Kenya and CARE Kenya jointly designed a project for implementation in Laisamis, Marsabit county, applying the graduation approach. The objective of the project is to test use of market based approaches to building the livelihoods of poor households.

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Blog

Creating value through financial inclusion: the trust element

In an effort to understand the real needs of the people, our seventh ‘Field Friday’ exercise took us to Karagita in Naivasha. We set out to gather insights on which financial services people use and which ones they trust most.

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Annual Lectures

3rd FSD Kenya Public annual lecture 2017 – Out of Africa: notes from a visit to Kenya

I spent a week in Kenya, courtesy of Financial Sector Deepening, an initiative of a number of aid agencies, including Britain’s Department for International Development, the Swedish government, and the Gates Foundation. 

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Government and regulators

SACCO regulation in Kenya

There has been a considerable amount of commentary in the press recently on the stability of the savings and credit cooperatives (SACCO) sector in Kenya based on a report released by the FSD network.

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Annual Lectures

3rd FSD Kenya Public annual lecture 2017 – The state of the world and the future of finance

Leading British economist delivers third annual lecture on financial inclusion

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Annual Lectures

3rd FSD Kenya Public annual lecture 2017 – PICTURES: Kay and industry leaders discuss the future of finance

Just what is finance for?

On Wednesday 8th February 2017, John Kay met with 18 financial sector industry leaders to discuss this question and the future of finance in Kenya.

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Annual Lectures

3rd FSD Kenya Public annual lecture 2017 – Making finance serve the needs of the economy

Over 250 policymakers, industry players, regulators, lecturers, students, financial sector analysts, development practitioners and other guests gathered at the National Museum’s Louis Leakey Auditorium on Thursday 9th February 2017 for the 3rd FSD Kenya annual lecture on financial inclusion.

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Annual Lectures

3rd FSD Kenya Public annual lecture 2017 – Kay shares why it’s possible to have ‘too much of a good thing.’

During his delivery of the 3rd FSD Kenya annual lecture on financial inclusion, John Kay argued that the challenge for emerging economies is to avoid the mistakes of the west and to instead focus on building a financial sector that is focussed on the core needs of the non-financial economy.

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Annual Lectures

3rd FSD Kenya Public annual lecture 2017 – Have you booked your seat?

Leading British economist to deliver the 2017 lecture

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3rd FSD Kenya Public annual lecture 2017 – Invite
Annual Lectures

3rd FSD Kenya Public annual lecture 2017 – Invite

John Kay is a renowned British economist, and until recently, a columnist with London’s Financial Times (FT).

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Publications

The 2nd FSD Kenya annual lecture on financial inclusion

Rafe Mazer was the speaker at the 2nd FSD Kenya annual lecture on financial inclusion. His presentation shared how we can develop our own “test and learn” – the way in which financial service providers and regulators collaborate to allow for new solutions – for consumer protection.

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Publications

The long-run poverty and gender impacts of mobile money

The research is based on a long-term series of five surveys undertaken on M-Pesa in Kenya supported by FSD Kenya and the Bill and Melinda Gates Foundation.

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Events

Have you booked your seat?

Registration is open!

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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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Publications

The increasingly crowded savannah

Policymakers, academics, industry players, donors and other stakeholders gathered at the Crowne Plaza Hotel on Thursday 8th December for the 2nd FSD Kenya annual lecture on financial inclusion.

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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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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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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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Credit market development

Credit on the cusp: Strengthening credit markets for upward mobility in Africa

Enthusiasm around the once-popular “Africa Rising” narrative is abating in the face of slower-than-expected growth, macro volatility deriving from continued reliance on raw material exports in many countries, and the reality of persistently high inequality.

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Credit market development

Living on the cusp

23% of sub-Saharan Africans are living in “cusper” households that get by on $2-$5 per person per day. This map shows their total percentage per country (relative to the overall country population) and size in millions

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Publications

Human centered design Africa toolkit

This toolkit has been designed to help you generate solutions in many different fields of interest, from agriculture, to manufacturing, to banking and new technology.

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Annual reports

2015 Annual report

This reports gives an overview of the major issues surrounding financial inclusion during 2015 and highlights 10 of our initiatives.

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