Savings groups

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Annual reports

2020 Annual Report, FSD Kenya

Annual Report, FSD Kenya 2020

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Blog

Combining new and traditional mechanisms in Northern Kenya to cope during COVID-19

In mid-July we interviewed a subset of FSD Kenya/CARE’s Building Livelihoods programme beneficiaries in Northern Kenya to understand the extent to which resources built up through the programme are supporting resilience of beneficiary households during COVID-19, and how these compare and interact with traditional pastoralist coping mechanisms.

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Blog

Understanding drivers of resilience in Northern Kenya in the time of COVID-19: Part 1

Over the past four years, FSD Kenya’s Building Livelihoods programme in Northern Kenya has explored how extremely poor households can be transitioned out of poverty and into sustainable livelihoods through stronger engagements with markets.

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Report

Becoming businesspeople: A study of the building livelihoods programme in northern Kenya

This study examines how building livelihoods programmes, or financial graduation projects, shape who participants become as businesspeople.

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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

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

Becoming business people: What we can learn about development initiatives from Northern Kenya

Laisamis is a settlement in Marsabit County in the Northern part of Kenya towards the Ethiopian border.

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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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Blog

Building livelihoods: An identity perspective (Part 5)

Throughout this blog series I have examined FSD Kenya’s Building Livelihoods programme from an identity perspective. I have shown how the Hunger Safety Net Programme (HSNP) creates valued identities in the community and how there are different pathways to savings group identification and value.

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Blog

Building livelihoods: An identity perspective (Part 3)

The role of community-based facilitators (CBFs) is to encourage participation in savings groups, ensure groups function effectively, and provide training on basic financial and business skills, as well as prepare participants for formal loans.

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Blog

Building livelihoods: An identity perspective (Part 4)

Over the past two years I have travelled to Marsabit County in Northern Kenya four times to talk to the same 50 people about their lives and experiences as participants of FSD Kenya’s Building Livelihoods programme. The programme aims to help participants develop sustainable livelihoods through business.

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Blog

Building livelihoods: An identity perspective (Part 2)

Where there is already a strong value associated with savings groups, people are likely to more rapidly join, participate more fully, and exemplify what it means to be a member of the group.

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Blog

Building livelihoods: An identity perspective (Part 1)

FSD Kenya’s Building Livelihoods programme is a market-based adaptation of the Graduation approach popularised by BRAC in Bangladesh. Over a period of two years, participants shared stories about their lives and early experiences with the programme giving insight into who they are and how they think and change throughout the programme.

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Blog

Tackling poverty in rural Kenya through community-owned village banks

Why FSAs are the preferred financial service providers in Kitui.

The popularity of graduation programmes as the means to ending extreme poverty is growing globally.

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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

What can financial providers learn from chamas?

Why informal financial groups fundamentally embody key features of how Kenyans want their money to work to help them live well

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Blog

What do Kenyans really want from financial service providers?

Insights into the social value of financial services

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Blog

The use of mobile money technology: a dividend or disaster for FSAs?

This is the third blog in a series about Financial Service Associations (FSAs) and their potential for growth and customer value creation based on an FSD Kenya commissioned survey by BFA.  Read the first blog here: Financial services associations: an imperfect solution and the second blog here: FSA asset financing: when paying more yields more.

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Blog

FSA asset financing: when paying more yields more

This is the second blog in a series about Financial Service Associations (FSAs) and their potential for growth and customer value creation based on an FSD Kenya commissioned survey by BFA. The survey took place in 2017 in Bamba, Kakeani and Mukuyuni and involved in-depth interviews with over 60 respondents including customers, their non-member neighbours and FSA staff. 

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Blog

Financial services associations: an imperfect solution

This is the first blog in a series about financial services associations based on an FSD Kenya commissioned survey by BFA.

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Publications

Impact evaluation of FSD Kenya’s savings groups project

FSD Kenya commissioned Oxford Policy Management (OPM) to conduct an in-depth impact assessment of their savings groups programmes which were undertaken in collaboration with two international non-governmental organisations, CARE and Catholic Relief Services (CRS).

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Publications

Brief: Impact evaluation of FSD Kenya’s savings group project

FSD Kenya invested substantially in supporting savings groups (SGs) based on the hypothesis that these kinds of informal services are more accessible to underserved markets.

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

The impact of financial services associations

Financial services associations (FSAs) are rural community-level member based semi-informal financial institutions, that are a hybrid of savings and credit cooperative organizations (SACCOs) and microfinance institutions (MFIs).

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Blog

Unlocking opportunities for the poor, Part two

Our first blog in this series discussed the Hunger Safety Net Programme and savings groups (SGs), for which we’ve also sought to use market based approaches. Part Two, discusses the use of a market based approach in graduation programmes.

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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 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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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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Blog

“The three padlocks”: Digitising the savings groups’ money box

Can digital innovations replicate the “three-padlock” concept of the money box?

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