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.
Fewer than 20 percent of small to medium sized enterprises (SMEs) in Kenya have ever received credit from formal financial institutions. Access is limited due to challenges in assessing SME risk in a costeffective manner. Lenders in Kenya address this risk-assessment problem either by not lending to SMEs at all or by requiring collateral and […]
This report was undertaken by the Central Bank of Kenya’s National Payments System Division, FSD Kenya and the Consultative Group to Assist the Poor (CGAP) to better understand the emerging development of mobile money in Kenya. The findings are based on a survey of 3,000 households that was carried out from the 26th of August […]
The objectives of FinAccess 2006 were to: (1) provide information to policy makers about the main barriers to access, geographic or socio-economic for instance, providing an impetus for necessary reforms, (2) provide information to the private sector about market opportunities, and in particular insight into the types of products that would suit newly identified, unserved market segments, […]
This report examines the causality between branchless banking and financial capability with an in-depth look at how consumers in Kenya’s coastal region are using mobile financial services to manage their personal finances.
This note discusses the working capital issues that SMEs face within their supply chains and how supply chain financing (SCF) products can help address them. While SCF presents commercial opportunities for a wide range of financial service providers, this technical note examines these opportunities as well as the issues that banking organisation’s experience operating in the […]
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 technical note looks at the nature of cash flow based lending, how it meets particular funding needs of certain SMEs and the issues faced by financial institutions in providing this for of financial to smaller businesses.