Publications

FSD Kenya publications cover a wide range of topics relevant to financial inclusion, encompassing in-depth reports, research and project briefs, technical notes , ‘how to’ guides, presentations and our annual reports and newsletters. 

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Publications - Technical Note
August 2015

A guide to implementing segmentation for SME banking

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.

Publications - Report
September 2015

Review of Growth Enterprise Market Segment (GEMS) and increasing access to Kenya’s capital market by small and medium enterprises (SMEs)

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 […]

Publications - Report
October 2015

Financial capability for well-being: An alternative perspective from the capability approach

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.