Kenya Financial Diaries inspire Bill & Melinda Gates
  • In the 2015 Gates Annual Letter, Bill & Melinda describe four bets that they believe will contribute to making the lives of people in poor countries improve faster in the next 15 years than any time in history.
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    Credit providers' association launches five-year strategic plan
  • Monday 27th October, 2014: The Association of Kenya Credit Providers (AKCP) launched its five-year strategic plan for the period 2015 - 2019 at a colourful function addressed by the CBK Governor Prof Njuguna Ndung’u.
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    Financial Diaries research reveals how Kenya’s low-income families earn, save and spend their money
  • Tuesday 12th August, 2014: Data from nationwide project deepens understanding of the financial lives of low-income Kenyan households.
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    Seven years on, what is it like to be a mobile money agent in Kenya?
  • Nairobi, Thursday 19th June, 2014: Findings from a survey of over 2,000 mobile and bank agents carried out in 2013 across Kenya were earlier today presented during the official launch of the Agent Network Accelerator (ANA) Kenya country report.
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    Online maps to deepen understanding of financial services access points in Kenya
  • 13th March, 2014: An online portal that will help identify gaps in access to financial services at national and county level was launched earlier today by the Central Bank of Kenya (CBK) Governor Prof Njuguna Ndung’u.
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    About FSD Kenya

    The Kenya Financial Sector Deepening (FSD) programme was established in early 2005 to support the development of financial markets in Kenya as a means to stimulate wealth creation and reduce poverty. Working in partnership with the financial services industry, the programme’s goal is to expand access to financial services among lower income households and smaller enterprises. It operates as an independent trust under the supervision of professional trustees, KPMG Kenya, with policy guidance from a Programme Investment Committee (PIC). Read more >>


      Financial DiariesThe climb out of poverty is seldom a smooth one. Life rarely bestows good fortune evenly and persistently over a lifetime. Given their limited capacities to cope,...

    • Cashlite report: Are we there yet?

      FinGrad studyThis report examines data from Financial Diaries studies conducted in both Kenya and South Africa in 2012 and 2013 to better understand the extent to which...

    • Quality of Delivery Study Report

      FinGrad studyThe Quality of Delivery Study (QDS) assessed the outreach, value added and consumer protection of project-formed and locally-formed Savings Groups (SGs) in Western...


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    Our work

    The conceptual underpinning of FSD’s work derives from the “making markets work for the poor” approach. It provided the original impetus for the establishment of FSD Kenya and has guided its activities over the last six years. Read more>>

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    Press Release

    Professor Njuguna Ndung’u, retires as Governor of Central Bank of Kenya after two terms at the helm overseeing Kenya’s digital finance revolution


    Professor Njuguna Ndung’u became Governor of the Central Bank of Kenya on the eve of Kenya’s digital financial revolution. It was March 2007. Only 18%...Click here for more details