FINAL REPORT - FSD Kenya

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which one would you prefer? Why? sending or receiving money v. Focus Group Discussions with OVC Beneficiaries in BALAMBALA DIVISION 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, Lack of clothing-Respondents high cost of purchasing clothing for their orphaned children considering the high number of children in each household-“maugathi karta unug walba daar adhi oo sabool”- can you buy clothing for every child when you are poor? Lack of food. Here farming is done on a small scale along the shores of Tana River. Millet is mainly planted. However this can not meet the house hold feeding needs, leaving the house hold depend on food rations from world food programme and government. Due to bad roads and distances involved some of these rations take long to reach the area. Other sources of food are animal products like camel milk and meat. However due to the recent draught, animals were reduced considerably. Most families as of now don’t have even a single animal High education costs. Education-books, uniform, secondary and tertiary institutions costs. “Non of my three children who graduated from primary two years ago, has managed to go to secondary school and are currently at home” said Dubow Yusuf. Cost of secondary education is about KShs2,000 per term. In-accessibility to health institutions-The nearest district hospital is about 200km from Mbalambala and hence transport cost is costly and unaffordable. The only available transport is an old land rover “Mbalambala liners” plying Garissa – Mbalambala after every two days during dry seasons and un- predictable during rainy season. Transport charges ranges from Kshs400 to 500 per person exclusive of meals on the way, which may cost about Kshs300 by the time the passenger reaches Garissa. Poor shelter. Respondents stay in temporary makeshift huts called “herios” These are Somali traditional temporary shelter. They normally leak during rainy seasons. Due to the architectural design of these huts, snakes have also taken habitation in these shelters thus causing deaths due to snakebites. Mosquitoes are also common since they can enter through the many holes in the hut. At least each family has been given mosquito nets by aid agencies to counter the mosquito menace. Lack of water. The major source of water is Tana River but it’s a distance and the water is dirty and not good for consumption. A jerry can of clean water costs Kshs10, which is very expensive for most households. This is got from the boreholes, sunk through the Pastoral association; by the government through the Arid land Project. Most women go and pick firewood for sell in order to earn some little income to meet basic needs. Others operate small groceries. Those with no income at all have resorted to seeking support from relatives, friends and well-wishers. Somali tradition encourages well off people to support others. This has greatly benefited families who have nothing to at least be able to meet some basic needs. Use of animal skins and locally assembled logs as beds. In addition shelters have been re-enforced with polythene covers from Aid agencies, which are used to shelter occupants from rain. Depending relief handouts from NGO,s such as <strong>Kenya</strong> Red Cross and CARE <strong>Kenya</strong>. • By hand delivery. Sending someone to the recipient • Use of matatu. Landrovers plying Mbalambala route. 26
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? • Use of Hawilaat. • Through District children OVC office: They preferred OVC office because of no transport costs involved as the office would bring the money to them, secondly will have no risks such as highway robberies as usually this money will be escorted by armed guards. • Organized location group. Some of these groups have accounts in the bank. (KCB Garissa). So this money can be put on the group accounts then the group treasure would withdrawal on their behalf. • Some respondents also mentioned the school account as their preferred mode. This operates in such away that the school committee makes the withdrawal from the school account and disburses to the beneficiaries. The school account involved here is for Mbalambala primary school. • Sustenance-Firewood, tea soaps, cooking oil, vegetables and milk. • Clothing. • Medical expense. • Buying water –cost of water is KShs10 per 20 litre jerry can. • Purchase of firewood, kerosene and charcoal. • Purchase of Mosquito nets and mosquito coil. A mosquito net cost from Kshs500 to Kshs 700 • Respondents didn’t have any formal savings like bank accounts etc due to high poverty levels and distances to the nearest banking institution. • However even informal savings mechanisms were not being practiced. Respondents had never used any merry go round, other than a few keeping camels and goats for future selling. • Being ignorant of banking information the respondent’s do not have any preference for account features. vi. Focus Group Discussions with Potential OVC Beneficiaries in BALAMBALA DIVISION 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 • Difficulty in meeting school expenses i.e. books, stationery, clothing, madrassa fees etc due to lack of money • High cost of meeting medical expenses. Major diseases are malaria and pneumonia. • Lack of food due to draught and floods. Current floods have been in the area for about two months, thus causing a lot of havoc especially blocking the roads that are a major supply route of food to this area. • Lack of good nutrition for the children. The most affected are those below the age of five. The food they eat is mainly proteins. They lack fruits and other minerals. The only available stable food is meat and milk. • Lack of proper shelter to accommodate children. Available shelters are make-shift huts that leave the children prone to mosquito bites causing constant malaria. • Seek divine intervention through prayers. Children are taken to Sheiks for prayers when they can’t afford or access hospital facilities. • Engaging in income generating activities like selling of fire wood, operating of mobile shops, mat making, sell of “Dufuls” and charcoal burning. • Support from relatives who are well off, particularly during 27
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 and 32: How have you been able to solve som
Page 33: How do you keep some money aside fo
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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