FINAL REPORT - FSD Kenya

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What are some of the things that you spend money on in your household? How do you keep some money aside for future need? If you were to use certain institutions to send or receive money, which one would you prefer? Why? • Through passengers on buses • Respondents had never received money any where else other than through the DCO-VCO office. Usually they pick the money themselves and those who know how to write sign for it, where as others just use their thumb prints. • Food • Clothing • Medical bills • Fees for formal schools and Madarasas • In cases of excess can buy a goat for future selling.( form of savings) • All respondents dint have a bank account in any formal institution. They acknowledged that due to lack of money they could not save. The little they get they use it for immediate house hold needs. Due to absolute poverty they could not save. Howe ever some agreed that they lacked knowledge about the banking industry. They need some education then can start saving some little amounts. Most of the guardians are illiterate. Thus given an opportunity many were willing to learn and start saving. • Regularly receive money from relatives working in Nairobi. Ranges from Kshs 2000 and 3000. This is mainly for home up keep and paying school fees • OVC- DCO Office cause it’s near their homes, DCO takes the money to the recipients at their homes. • Hawilat: Can easily go there at just a phone call and receive your money ii. Focus Group Discussion with Potential OVC Beneficiaries at Bulla Iftin Learning Communities Point of discussion Discussion Economic activities • Retail trade, hawking, grocery, charcoal selling What are the difficulties you face in taking care of these children? • One of the major difficulties is sickness, mainly due to malnutrition, malaria and pneumonia. The high level; of mosquito presence and un-affordability of mosquito nets in the area has contributed to the prevalence of malaria. The current rains are the major cause pneumonia. • Lack of steady income due to un-employment. In the area there are no employment opportunities. There are no industries or people who would seek casual laborers i.e. to work on farms etc. main source of income are handouts from relief agencies and government. Most people wake up and wait for these handouts. There is a lot of dependence and redundancy. The little income there is generated from sale of goats and cattle plus small-scale business like selling cigarettes, miira and vegetables. A few individuals do these. On average they earn about Kshs2,000 per month • It’s hard to meet the scholastic materials needs, such as books, uniform, fees for secondary school students and other school levies. On average secondary education cost is about Kshs 5,000 per term, which is a burden to these low-income earners. • Being an urban area, respondents complained of difficulties in payment of monthly house rent. A month rent ranges from Kshs 1,000 – Kshs 1,500 per room. • Due to the death of spouses many mothers’ roles have changed to 22
How have you been able to solve some of these difficulties you face in taking care of these children 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? What are some of the things that you spend money on in your household? How do you keep some money aside for future need? If you were to use certain institutions to send or receive money, which one would you prefer? Why? being household heads. This change of roles has come with difficulties in bringing up children with no fathers. Some of these difficulties include fending for the children i.e. providing food, milk, clothing and other necessities. • In order to generate income, they have resorted to collecting firewood; milk vending; operating groceries and hawking other merchandise. However most of these hawking businesses are illegal since they are not licensed. This has put them in a collision course with town council askaris who often harass them and some times taken to court. • Seeking treatment at the government hospital. However due to cost sharing treatment is still expensive. Due to high costs of medical some respondents have resorted to reading prayers over the sick. In most cases respondents acknowledged that prayers have worked. • Hawillat is the preferred MFI in the area. Respondents have used it and feel it is efficient. This is done through telephone calls any where in the world. The sender makes a call to the recipient directing him/her to pick money at a certain point, usually a wholesaler shop or the hawillat MFI agencies. These are usually prominent business men in the area. • KPOSB, is also preferred due to its low interest/charges on money transfers. Most respondents were complaining that when they use commercial banks there money is used “eaten” leaving them with nothing. • Use of buses, where money is given to either the driver or a relative traveling by bus. This is the mostly used mode of money transfer, because of trust, security for the money and low cost. • Food • Clothing • Medical bills • Education expenses • Respondent were saving through Merry go rounds, where individual members pool resources together in order to assist another member who may be in extreme difficulties. This is done in turns. However the beneficiary uses the money immediately to meet his/her urgent needs and hence no savings. • Respondents did not bank accounts due lack of, money for initial deposits, felt need Kshs5,000 to open an account. Respondents have knowledge about account opening but lack funds to open. • Cannot save even at home because they have no excess funds. All they have is used up on house hold needs • Hawillat - Quick and efficient, Distance/proximity –they are near to the respondents. • Respondents mentioned the banks; KCB and Post Bank though acknowledged that they don’t use them due bureaucratic procedures. “Going around in circles” o Receive money at months end. Some times amounts received are not fixed. They change depending on the income of the sender. o Receive money for home up keep and paying fees. iii. Focus Group Discussion with OVC Beneficiaries at Bulla Iftin Learning Communities Point of discussion • Discussion What are the difficulties • The respondents are generally faced with the following 23
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 and 26: 2.6 ANNEXES 2.6.1 ANNEX 1:- RESEARC
Page 27 and 28: 2.6.2 ANNEX 2: FOCUS GROUP DISCUSSI
Page 29: This tool was used with potential u
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

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