FSD uses the “making markets work for the poor” (M4P) development approach. For us, this means changing market systems so that financial services work more effectively for the poor. Partnerships are essential to our work. We identify what is preventing financial services from reaching the poor and with partners, we develop initiatives to stimulate lasting changes that improve access, relevance and reliability of financial products and services. We hope this section will provide you with a better idea of how FSD Kenya works with government, financial services and start-ups in our joint quest to develop financial market systems that work for poor households and small businesses.