FINAL REPORT - FSD Kenya

ACKNOWLEDGEMENTS
This report contains the results of a market research exercise aimed at understanding the demand side
of the financial services market among potential recipients of social payments under the proposed
Government of Kenya Programmes. Specifically, the market research was to establish cash payment
patterns and financial service needs of households with orphans and vulnerable children; and
vulnerable households in arid and semi-arid lands subject to regular drought.
A team of consultants and research assistants undertook the market research exercise. Ruth Odera and
Elizabeth Waringa Kibe of Microfinance House Ltd, and Antony Kiogora, Moses Muwanguzi, and
Cecilia Kariuki, all independent consultants carried out the market research. Research Assistants
included Phillip Gor, Jacqueline Ochieng, Oscar Ongalo, Antar Mohammed, Sabdow Ibrahim and
Adan Ibrahim, Keem Brendan and Daniel Aryong.
The market research exercise took place from 27 November to 18 December 2006. During this period,
the team held discussions with OVC current recipients and potential recipients as well as potential
users of financial services in Garissa, Kwale, Nairobi and Suba. The team undertook the research based
on the research questions (Annex 1) given in the Terms of Reference.
The market research work was feasible because in most cases, the Children’s Department Officers in
the districts had mobilized target groups before hand and the financial resources made available to the
team by DFID to meet logistical costs of the assignment. Turnout rate of groups was over hundred
percent. The team acknowledges the parts played by both the Children’s Department and DFID for
the success of this assignment.
We are particularly grateful to Graham A. N. Wright for his direction and support in writing this
report.
Ruth Odera
Team Leader
The views expressed in this document are findings from the field research from discussions and Participatory Rapid
Appraisal Tools as well as those of the Consultants. The report does not reflect the views of any institution or persons
involved in mobilization of the groups.
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