FINAL REPORT - FSD Kenya

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you face in taking care of these children? 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? difficulties:- • Lack of basic needs such as food, water, shelter, clothing • “I have no money, no work; I just offload trucks, lack of shelter, lack of food, lack of treatment when they (children) are sick. The only property I have is an empty plot” • Unaffordable medical care • The respondents can’t afford the available formal medical care due to the relative high cost of treatment. • Lack of money for school fees, books, uniform • The children require school fees especially the secondary school going ones. • Due to lack of income and concrete income alternatives thus financing of education is a humongous problem. • Unemployment • “We just depend on God for our sustenance.” There are limited employment opportunities in the area thus a high level of unemployment amongst the locals. This contributes to poverty. • Malnutrition • “Lack of money results to inability to buy protein content/food supplies for the children thus making them malnourished” • Lack of support from relatives • Lack of alternative source of income other than GoK support • Delay in disbursement of OVC support monies • Seeking divine intervention • “God is the only one who can alleviate problems. We used to get KShs.500 per month but as from February to June this year we have been getting KShs 1,000, but from July to date we haven’t received any money” This depicts a desperate scenario. • OVC support o “Through the OVC programme two of my orphans were taken to school” o “Through the OVC programme we sometimes get money for sustenance even though it delays”. o The OVC programme fills a critical cash gap though not regular. • Receive money through District Children's office • Hawilaat e.g. Amal Express • PostBank • Bank account o The respondents apparently have never used financial services to send out money other than receiving the cash payments through the DCOs office. They have no concrete awareness on the operations of the above mentioned service providers though they have had of them. • Food • Clothing • Medical • Fees • Rent • Shelter 24
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? • Mosquito nets • All participants did not have bank accounts. This may be attributed to the fact that their meager cash inflows are consumed in the demands for meeting basic expenditures thus leaving no savings • Hawilaat -Kaah, Barwargo, Tawakal, Dahabshill • Government DCO-OVC office • Banks -e.g. KCB • The respondents would prefer given an opportunity to send or receive monies through three modes o Hawilaat – this is an informal way of cash transfer that is fast(via a phone call) and is operated by tycoons – “you get your money very fast” o Government offices - this is because it is what they are used to receiving money through the DCO office iv. Focus Group Discussion with OVC Potential Beneficiaries at Bulla Iftin Learning Communities Point of discussion Discussion What are the difficulties you face in taking care of these children? 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, 1. Lack of money and resources for subsistence and basic needs such as food, water and clothing 2. Lack of money for meeting children’s school fees 3. Most had no working relatives to support them 4. Lack of shelter was also a common problem 5. Lack of money to access medical care • Assistance from relatives • Engaging in economic activities -Sale of Firewood, Milk vending, hawking, grocery. The respondents generally relied on either family support from relatives while others were engaged in micro business such as embroidery, tailoring, grocery, collecting firewood. Receiving money through the DCO-OVC office Hawilaat e.g. Amal Express – this mechanism is preferred for it is fast and safe and to some extent personalized as the recipient is called to collect their money Direct payment to institutions of learning for the student’s school fees Through village chief or community leaders –they preferred this method because the leaders know where they live and also know them personally Postbank – they did not have accurate information as most do not have bank accounts • Food • Fees • Investment in Livestock • Investment in small scale business e.g. shops • The respondents don’t save due to limited incomes if any. • Hawilaat – informal system viewed as fast and no charges to the recipient • Banks –KCB – give notification and viewed as safe way of 25
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 and 30: This tool was used with potential u
Page 31: How have you been able to solve som
Page 35 and 36: friends or well wishers who would l
Page 37 and 38: How do you keep some money aside fo
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 45 and 46: How do you keep some money aside fo
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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