This 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 low-income consumers are being affected by broad trends towards the digitization of payments: through card payments in an increasingly banked population in South Africa and via mobile money in […]
This briefing note looks at the typical challenges that banks face in trying to establish long-term sustainable competitive advantage in what is an increasingly competitive SME market. It suggests a number of steps that banks need to consider in order to move towards this goal.
This report summarizes FSD Kenya’s strategy for the period 2011-2015 addressing the following questions: Where are we coming from? What are the possibilities for inclusion in Kenya? How can FSD respond to those opportunities in the future? What are our targets for the next five years?
This report examines the experiences of two micro-finance organisations in Kenya, Faulu Kenya Ltd (Faulu) and Kenya Women Finance Trust (KWFT), which both decided to transform into deposit taking microfinance institutions (DTMs).
This briefing note describes the emergence of SME banking as a separate line of business, and informs on the distinctive characteristics of SME banking compared to corporate and retail banking. It also describes SME banking best practices in banks around the world, and in Kenya in particular.
Clearly, a symbiotic relationship exists between banks and SMEs. Banks need a strong and, hopefully, expanding pipeline of maturing SMEs to support growth in commercial lending and other financial services. At the same time, SMEs need access to financial services to underpin their entrepreneurial endeavours and fuel their growth ambitions. The nature of the relationship […]