FINAL REPORT - FSD Kenya

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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? school holidays the school going children are sent to their relatives to source for support. The children are some times given clothing, goats and money for upkeep. • Matatu plying Mbalambala – Garissa road. They preferred it because it’s regular and secure especially during the dry season. • Through individual passengers on Matatu • Use Matatu is the only means of communication between Mbalambala and Garissa. • Food • Clothing • Medical bills for the orphans • Fees for formal schools • Buying of mosquito nets • The mostly used saving mechanism was through saving in kind by buying animals for sell in future. Others were saving through tins/boxes kept at home, whereas others were in merry go rounds. • A few of the respondents had invested money in income generating activities to enable them generate profits. Respondents could not save in banks due to lack of money and long distances between their location and the banks. Also expressed fear that all their initial deposits could be eaten up by the bank charges leading to closure of accounts • Barclays Bank , Barclays bank has reopened in Garissa, and they feel its more secure than the others like • Post bank. Very secure and all know about it since at one time it was in Mbalambala. • Hawilaat. Although services are fast, there is no way people in Mbalambala can benefit due to lack of proper communication.( Mbalambala has no network coverage for any telephone operator in <strong>Kenya</strong>) vii. Focus Group Discussion with Potential Financial Service Users in Balambala Point of discussion Discussion Economic activities Casual labourer, butchery, hotelier, shopkeeper, firewood dealer, teacher, 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? businesswoman • Matatu plying Garissa-Mbalambala route • Hawilat • <strong>Kenya</strong> Post Bank. This was there initially but due to lack of business has closed and shifted to Garissa town. • Purchase of milk, meat, firewood, cooking oil and above all kerosene for lighting. • Education cost for their children such as books, pens, pencil, shoes and uniform. They also pay for costs attributed non secular education such as Madrasa and Duksi and payment of teachers’ salary to these non secular schools. 28
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? • Medical expense for themselves and their children. • Shelter improvements-Purchase of polythene papers for their huts to avoid leakages during rainy seasons and purchase of “dufuls”-local mat used as roofing • Lock box. Most respondents acknowledged saving money in a box at home. They felt that it is safe because they are the custodians of the keys. It’s a common saving mechanism in the location. This is due to absence of banks, and lack of minimum deposits to open accounts for those who can travel to Garissa. It is also due to the nature of small deposits that are dropped in the box. • Saving through purchase of livestock and selling later when it is profitable. • Merry go round. Community members, mostly women pool resources together to assist the needy in that particular group. This is done in turns until all the members benefit from the association • Most of the respondents do not operate bank account since no banks exist in Mbalambala and the nearest bank is located over 200km from the location. • Hawilat: It is fast and quick. There are no bureaucratic procedures like those in commercial banks. “Once you can be physically identified by the cashier, you will get your money without necessarily producing an identity card”. The personnel in this institution are friendly. • Matatu or relatives traveling: this is regular and reliable since it comes on daily basis during dry spell. Trustworthy- relatives who are given the money are normally close kin and hence will not steal from their kinsmen though there are reported incidences where sometimes money gets lost. viii. Focus Group Discussion with OVC Beneficiaries Balambala Discussion Point The Discussion What are the difficulties you face in taking care of these children? Ways in which they overcome these challenges/difficulties Lack of basic need –Food ”Due to Lack of income we are not able to afford food supplies” This problem is mainly due to lack of income. Malaria due to lack of mosquito nets. Medical care: The residents have problem-raising money to go for treatment when they fall sick. School fees: The poverty level make education unaffordable for the residents who have problem raising fees and meeting other costs such as books. “We have problems raising school fees, buying pencils and paying examination fees for our children” Lack of resources/income e.g. Livestock “Before my husband died he used to collect firewood for sale and get family some income, but now since he is no longer there I have no energy to play his role and raise the income” Assistance from relatives – the participants turn to relative for assistance in meeting medical and transport costs. They also seek credit to meet day to day obligations and needs. OVC support Through the DCO office we get money. “Before we used to get KShs500 every month but as from February this year we are paid KSh1,000 however from June this year to date we have not received any money” 29
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 and 34: How do you keep some money aside fo
Page 35: 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 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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