FINAL REPORT - FSD Kenya

espondents to have some form of income which they can use to meet basic needs e.g.
purchase of drugs, food, clothes and shelter and even save.
vi. The respondents believe that with some support from the Government, they can irrigate areas
along river Tana and grow food crops. This project should lobby the Government for that
support as it would drastically reduce dependency syndrome and those relying on HSN project.
vii. Discussions revealed that there is high demand for money transfer services in remote areas of
Garissa since many respondents get remittances from relatives and friends through the
Hawillat. However, the level of this demand and that one for formal savings and credit is not
known. Indications are that financial illiteracy could be a barrier but it that also comes from
the absence of formal financial institutions to provide these services. More research needs to be
done on this area.
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