FINAL REPORT - FSD Kenya

More documents

Recommendations

Info

o What changes would persuade them to open an account (distance/proximity of service point, reduction in costs, improved security, product features, friendliness/service, opening hours, access to credit, Sharia compliant?) o What features should an account have? (such as running costs, ledger fees, interest, minimum balances, accessibility/outlets) Which are the most important? • How literate and numerate are they? • How financially literate they are? o Are they aware of financial concepts such as ATM cards, etc 18
2.6.2 ANNEX 2: FOCUS GROUP DISCUSSION GUIDES (Objective: Examining the needs for, usage of and attitudes towards financial services) Focus Group Discussion Guide for Client Preferences Welcome Thank you for coming – we are grateful for your time. We are from an organisation called Microfinance House Ltd. Microfinance House Ltd is an organization that carries out research in microfinance. We have been requested by the <strong>FSD</strong>T-K, through the Children’s Department to talk to you and try to find out your needs for financial services, how you use financial services and how you view the programme (OVC) that has supported you for a while. We will share the details of these discussions will with Children’s Department and DFID so that they can improve the programme and the way they serve you. Your names will be kept confidential – so please do not be concerned and feel free to express your opinions about the programme and your needs openly. As a first step we should introduce ourselves. Please you start and we will follow. Tell us your name, what you do for a living and how many children (your own and orphans) you have been taking care of. Warm-up Questions 19 Probes 1. Please tell us how long you have been taking care of orphans/vulnerable children? • Out of the number of children you are taking care of, how many are your own? How many are 2. When did you join the OVC Programme? (not asked those who have not joined the OVC programme) not your own? Core Questions Probes 3. What are the difficulties you face in taking care of these children? • If they face difficulties, probe on general difficulties such as lack of money to buy food, water, school fees, uniforms, books, clothes etc. 4. How have you been able to solve some of these If they get financial assistance: difficulties you face in taking care of these children? • Probe on amounts of financial assistance from the OVC Programme and non-financial assistance. • Probe on amounts of financial assistance from relatives in towns and within and any other types of assistance they currently receive. 5. If you were to send or receive money from your relatives, friends or well-wishers who would like to help these children through you, how would you do it? • Probe and get a list of formal, semi-formal and/or informal mechanisms of sending or receiving money in the district – people, buses, matatus, Western Union, MoneyGram, post office etc) without mentioning these mechanisms. • Probe on from where, amounts, locations of receiving or sending money, how often they receive or send money, which person goes to receive it; whether they sign for it or thumb print. • If thumb printing, probe for reasons why. 6. What are some of the things that you spend money on in your household? • Probe such areas such as: food, clothes, household assets, social purposes, animals, agricultural inputs, education, medical bills, hiring labour, productive assets, building/improving house/shelter, buying land). 7. How do you keep some money aside for future need? • Probe on where they save unused cash and institutions/mechanisms they use such as banks, microfinance institutions, SACCOs, Merry-Go- Round, ASCAs, moneylenders, shops etc; • Probe on for those who do not have bank accounts, why not.
Page 1 and 2: FINANCIAL SECTOR DEEPENING, FSD KEN
Page 3 and 4: DEFINITIONS Acronym Definition ASAL
Page 5 and 6: iv. The respondents belonged to two
Page 7 and 8: 5. Cattle are the main source of li
Page 9 and 10: 1 Introduction 1.1 Background SECTI
Page 11 and 12: Table 1.1: Segmentation by Target G
Page 13 and 14: 2 GARISSA DISTRICT 2.1 Background I
Page 15 and 16: Due to the poor roads, there are a
Page 17 and 18: 2.3 What are the Cash Demands and C
Page 19 and 20: iii. Rotating Savings and Credit As
Page 21 and 22: the use of buses, and matatus. In t
Page 23 and 24: • Savings in groups (RoSCAs) whic
Page 25: 2.6 ANNEXES 2.6.1 ANNEX 1:- RESEARC
Page 29 and 30: This tool was used with potential u
Page 31 and 32: How have you been able to solve som
Page 33 and 34: How do you keep some money aside fo
Page 35 and 36: friends or well wishers who would l
Page 39 and 40: Discussion Point The Discussion Wha
Page 41 and 42: eceive money from your relatives, f
Page 43 and 44: If you were to send or receive mone
Page 47 and 48: ii. Time Series of Crisis with Pote
Page 49 and 50: Explanation Crisis died • 10 year
Page 51 and 52: secondary education, which is very
Page 53: February savings are encouraged so

FINAL REPORT - FSD Kenya

You also want an ePaper? Increase the reach of your titles

Delete template?

Save as template?