Kenya’s more successful mass market financial solutions have demonstrated the importance of social values by enabling poor Kenyans to manage their money in ways that cultivate their visions of well being. The insight that people have multiple dimensions to the goals they pursue is not new. For most of us, what we value in life goes well beyond seeking to meet our material needs and includes the social, emotional, moral, and spiritual. For low income Kenyan’s however, the material and the social cannot be separated. In the absence of well-developed formal social welfare systems and in a highly competitive and unequal market environment, relationships with friends and family are fundamental to both survival and socio-economic advancement.