FINAL REPORT - FSD Kenya

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Discussion Point The Discussion money, which one would you prefer? Why? messenger to deliver it to the intended person in Garissa...and the one in Garissa does the same” KCB was preferred for money transfer because “We believe it is safe and you can keep unlimited amount of money” x. Focus Group Discussion with Potential Users of Financial Services in Balambala Discussion Point The Discussion What they use cash on • Food • Fees • Investment in Livestock How the beneficiaries save If you were to use certain institutions to send or receive money, which one would you prefer? Why? • Merry go rounds – “I use the merry go round to boost my business” “By being a member of the merry go rounds one can meet some of the needs such as basic needs…also one can get business ideas from the group” • Box – “I keep the money in the box for safety purposes because we do not have elsewhere to keep the money” • Women Groups – “We opened an account at KCB Garissa as Rahole Women Group where we receive money from well wishers and government and we use the same bank to save our small income” The respondents would prefer using a messenger who carries money in an envelope and boards the Mbala Mbala – Garissa matatu to deliver money. “We prefer this method because it free and there is no other method available” Preferred institutions • Hawlilaat “My son gives money to a tycoon in Nairobi, who sends the money to another tycoon in Garissa, who can either call you to pick the money or sends it via matatu to Mbala Mbala” . • Banks- KCB “I trust KCB because unlike person to person it is more reliable…that you can claim in case of loss” • Individuals “You can give money to a trusted person to deliver the money to the destination” xi. Focus Group Discussions with Potential Users of Hunger Safety Net in Dertu Communities- Potential Users Of HSN Point of discussion Discussion What are the difficulties you face in taking care of your households 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 • Not asked • Unemployment – the respondents find the unemployment condition desperate and contributing to lack of income. • Drought –“When all livestock die because of drought the economic strength of the family goes down…when there is drought nobody gives you credit to survive as there is no collateral i.e. livestock” • Sickness – “When a person does not get enough proteins nutrients in diet during drought they become vulnerable to sickness and die” • Sale of firewood to buy food • Sale of livestock to generate family income 32
eceive 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? • Food –“Because children are hunger prone…this causes a lot of stress to the parents… who has to look for money to buy food” • Clothing – “Because we need protective garments and shoes to prevent sickness” • Credit Repayment – “We use the money to repay the debt we incur during hardship times” • Investing in animals – buying animals and reselling at later date to generate profit • “Vehicles are fastest method we know that can be used to transfer money…we do not operate bank accounts” xii. Focus Group Discussions with OVC Guardians in Dertu. 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? • Lack of basic needs –clothing, shelter “We need shelter because when an orphan grows old (over 13 years) we say the person has attained adulthood and if he is a boy he needs a different house … that’s why we need a separate shelter for him” • Lack of school fees “We need school uniforms, shoes, mosquito nets… all these cost a lot of money…we cannot afford” • Lack of transport “We pastoralists keep on shifting from one place to another…when we are shifting our main problem is transport since we do not have means of travel other than the animals which are not reliable (fast)” • Drought – “Here in Dertu we are normally faced with constant drought which kill all our animals thus making us poor, this coupled with other problems makes us so vulnerable to food insecurity” • Lack of birth certificates-some participants pointed out that they have a difficult time getting birth certificates especially the orphans whose fathers are not known to the chief • OVC programme -The respondents rely on the OVC programme “the OVC program has assisted… they give KShs.1000 every month and we use it to buy clothes/food for the orphans” • Assistance from relatives – “as a guardian, I gave them some of my livestock so that in future they can sell them and pay for their school fees” • Self Help Groups – the respondents have initiated a community-based organization, which raises funds for vulnerable members of the community. • Government and other NGOs like Red Cross do provide handouts from time to time in Form of foodstuffs. There are two main mechanisms for sending/receiving money: 1. The respondents get the OVC support through DCO’s office 2. Road transport using a messenger carrying the money in an envelope “We use person to person mechanism for sending/receiving money” 33
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 and 36: friends or well wishers who would l
Page 39: Discussion Point The Discussion Wha
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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