Publications

This guide provides detailed, step-by-step guidance on how banks with limited historical portfolio data can use simple analytical tools and methods to develop, test and improve their on credit scoring models.

This technical note introduces banking SME codes of conduct that are designed to improve the relationship between financial institutions and SMEs.

This technical note provides the 12 core competencies required to be an effective small business relationship manager, the skills, abilities and attributes related to each of these.

This Technical Guide provides detailed information on implementing a segmentation strategy as a series of steps, and covers portfolio analysis and data mining, credit evaluation,staffing, segment product bundles, and delivery and marketing channels. The prerequisite documents, the implementation process, and the benefits of each step are described.

This technical note introduces the topic of credit scoring, discusses the different contexts in which such systems are used, the benefits of using these systems, and the challenges faced in developing and implementing them.

This tool provides a list of questions designed to be used in undertaking an initial benchmarking review of a bank’s current SME banking performance, its strategic orientation and commitment to developing a stronger SME banking offer.

This guide has been developed to assist financial institutions that intend to define/review their offer for their SME banking segment. It explores a five step process that the institution may employ in order to arrive at a winning value proposition

A close look at the financing landscape for SMEs and how it has changed since 2009.

According to FSD Kenya and World Bank research, credit to small and medium enterprises (SMEs) by the banking industry only constituted 23.4% of total lending in 2013, up from 19.5% in 2009. Interest rates ranged from 15% to 20%. The Growth Enterprise Market Segments (GEMS) was launched in January 2013 by the Nairobi Securities Exchange […]

Financial inclusion and financial capability require an evaluative framework for the exploration of how and to what degree the ways in which poor people engage with financial services and transactions can improve their wellbeing.