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.
Background This study examines how building livelihoods programmes, or financial graduation projects, shape who participants become as businesspeople. The study followed 51 participants of the FSD Kenya and CARE building livelihoods programme in Marsabit County, Northern Kenya from May 2016 to February 2019. It provides important insights into different identities associated with being a businessperson, […]
As we highlight our work from 2019 in this report, the world is facing a global pandemic of unprecedented scale. The COVID-19 crisis is creating great uncertainty about what the future holds for the economy and well-being of all. But as I reflect on the stories that offer a snapshot into our work over the […]
This report is the second in a series of studies that measure the cost of banking services in Kenya. It follows the first report that was released in 2017 and constitutes a complementary element in the measurement of the financial inclusion landscape in Kenya. Over the last decade, Kenya has witnessed a remarkable expansion in […]
Kenya has been feted around the world for its achievements in advancing financial inclusion. And the speed at which access to the formal financial system has advanced has certainly been exceptional. The development of a near ubiquitous mobile phone-based payments system provided the foundations for a further round of fintech innovation. Nairobi has become the […]
Starting with microcredit in the late 1980s, there has been a growing movement of multilateral institutions, private foundations, non-profits, corporations and governments that aims to provide formal financial services to low-income market segments around the world. This movement is largely motivated by the conviction that access to financial services reduces poverty. Over time, the focus […]
Since the launch of M-Shwari in 2012, the number of digital lenders and loans disbursed has grown substantially. Advances in credit scoring, few regulatory barriers and the widespread use of mobile phones and mobile money have enabled growth of the digital lending industry, giving borrowers a quick and convenient option for credit. However, industry practices […]
Digital credit has been instrumental in granting formal credit in ways that were not conceivable a decade ago. It has provided individuals with the tools to manage their day-to-day needs and working capital for small enterprises. Survey data reveals that over six million Kenyans have borrowed at least one digital loan. Beyond these daily use-cases, […]
In Kenya, the “#KOT” or “Kenyans on Twitter” community has become an important channel for public discourse on a wide range of topics. This includes financial services. The ability for consumers to directly, instantly, and publicly praise or chastise the service of a firm has led to increased accountability and new ways to remotely resolve customer issues swiftly.