While both Kenya and Tanzania registered fast uptake of digital credit, a new study by FSD Kenya and CGAP with almost 8000 individuals found considerable differences as well as similarities in the adoption and use of digital credit in the two countries.
There is a sense of progression and increased empowerment among participants of the Building Livelihoods programme that is associated in part with changing meanings of identities such as woman, widow, old, disabled, and illiterate.
Business people are more easily able to educate their children, they have more livestock, and they wear nicer clothes. Because they are seen to have more, they are expected to help more in the form of handouts, goods on credit, and sometimes knowledge sharing.
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.
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.
Data protection is one of the most important issues currently facing the Kenyan economy. On July 17th FSD Kenya submitted public comments to the Data Protection Bill, 2018 presented by the Senate ICT Committee. For years Kenya has been rapidly moving towards a digital society, but without the proper framework for data protection in place.