The Kenya Institute of Supplies Management (KISM) commissioned the 2008 Operations of Procurement in Kenya study in order to research and document the policies, practices and procedures followed by supply chain practitioners in the public, private, NonGovernmental Organisation (NGO) and donor sectors regarding procurement. In particular, this study focused on identifying and documenting key processes […]
InvesteQ Capital Ltd (“InvesteQ”) conducted a study on the capacity needs of risk fund managers in Kenya. The aim of the study was to: Identify capacity issues that if overcome would enable the funds to effectively serve the MSME market in Kenya. Identify potential interventions to overcome these capacity constraints. In total, 20 firms serving […]
FSD Kenya has worked and continues to work with a number of Kenyan financial institutions and other stakeholders towards improving the delivery of finance for enterprise. Using an action research based approach of working with its partners FSD Kenya aims to help financial institutions review how they currently work with their enterprise clients and how […]
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.
This technical note discusses approaches and methods for market research on SME clients as well as how to plan and implement successful market research. Implementing SME market research can assist financial institutions to better understand the diverse group of SME clients and may help them serve the various types of clients better and develop appropriate […]
This note looks at the factors that determine the pricing and costing of financial products and services for SMEs and the particular issues and challenges faced in doing so for this client group, including the fact that SME relationship profitability often derives from the delivery of a bundle of products and services which are difficult […]
This technical note looks at the reasons for calculating profitability, the factors involved in doing so, and the common challenges faced in measuring and allocating profitability in the context of SME financial products and services.
This note looks at data mining on both individual SME accounts and on the SME portfolio as a whole, and suggests how and why extraction and review of data should be undertaken. At a time when banks are starting to offer SME banking services that are distinct from products offered to corporate and retail customers, […]
This note looks at product development for smaller growing businesses. Banks and other financial institutions are starting to understand that SMEs constitute a market segment of their own, and require financial products that address their particular needs. These needs are distinct from corporate products, because transaction sizes and numbers are smaller, but also from retail products because […]