The aim of this book is to stimulate debate on how we analyse and think about the future of market development and its implications for poverty and growth. The book was commissioned by Financial Sector Deepening (FSD) Kenya as an invitation to scholars to dig more deeply into the data that have been collected over […]
This guide provides detailed, step-by-step guidance on how banks with limited historical portfolio data can use simple analytical tools and methods to develop, test and improve their on credit scoring models.
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 tool provides a list of questions designed to be used in undertaking an initial benchmarking review of a bank’s current SME banking performance, its strategic orientation and commitment to developing a stronger SME banking offer.
According to FSD Kenya and World Bank research, credit to small and medium enterprises (SMEs) by the banking industry only constituted 23.4% of total lending in 2013, up from 19.5% in 2009. Interest rates ranged from 15% to 20%. The Growth Enterprise Market Segments (GEMS) was launched in January 2013 by the Nairobi Securities Exchange […]
Financial inclusion and financial capability require an evaluative framework for the exploration of how and to what degree the ways in which poor people engage with financial services and transactions can improve their wellbeing.
This report provides an overview of M-Shwari and answers three core questions: What is M-Shwari and how does it work? Who are M-Shwari customers and how are they using the product? Why are customers using (or not using) M-Shwari? The report concludes with an exploration of the broader implications of products like M-Shwari, including: How will “big […]