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? • Clothing • Transport • Fees • Shelter • Keep livestock e.g. goats, for future sale: “We invest in livestock with the aim of selling them when the price is good” • Keep savings in a cash box “We feel the box is safest” • With the shopkeeper “We keep money in the local shop so that we do not lose it…if we keep it at home we will misuse the money” “We do not have post office or bank in this area” The respondents rely on the road transport for money transfer. xiii. Focus Group Discussions with OVC Guardians in Dertu. Point of discussion Discussion Economic activities Charcoal selling, grocery shop, herdsman What are the • Lack of basic needs and difficulty in sustaining the orphaned children due to lack of difficulties you face meaningful employment. Respondents found it difficult to meet the day to day in taking care of needs of the family. these children? • Clothing - Due to the high poverty level the respondents cannot afford a decent clothes and have resorted to use if mitumba cloths which are cheap and which is within their reach in terms of affordability. • Education - Although primary education is free in this area and <strong>Kenya</strong> in general participants have to meet the high cost of secondary education and uniform for their primary education as well as other expense on attaining non formal education such as fees for madrasa and duksi. Participants have to bear the burden of paying the salary of these teachers in the non formal sector. • Poor shelter – The respondents are housed in makeshift shelters which are prone to flooding. Due to the on-going heavy rain most of the members are homeless with poor or even no bedding. This has made some seek refuge at camps of humanitarian agencies. Most complained from lack of nets making them vulnerable to mosquito bites and malaria is a common in this flooded area which has become a breeding ground for mosquitoes. How have you been Most of the members have taken their children to school under the free primary able to solve some of education programme. This, they said, will alleviate their problems when the these difficulties you children graduate from primary and secondary education and get employment at a face in taking care of later date. these children Some members have resorted to income generating activities such as sale of firewood, charcoal burning and small scale retail shop. Taking the sick to hospital. However the distance involved in seeking medication at Garissa and lack of money for transport cost makes some to seek local herbal medicine and seek divine intervention through prayers. Seeking support from relatives-Poor members of the community source support from the well-off through charity/alms. Most of the members being predominantly Muslim their religion encourage the well off to contribute 2 ½ % of their gross assets to the poor annually. OVC Programme - All participants get KShs1,000 monthly from the District Children Office. This has assisted them greatly in secure and purchase of basics for 34
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? their orphaned children such as books, uniform, milk, sugar etc • Use of matatu to Garissa town Purchase of rations such as rice, sugar, milk ,cooking oil etc Purchase of diesel for the bore hole - Members buy for the borehole operation to enable them get water for their animals. Clothing. Medical expense. Shelter improvement such as purchase of Dufuls and polythene papers for their makeshift. Education expense such as books for their secondary school and payment of their school fees. • Through purchase of goat for sale at a later date with profit • Through investing income generating activities. like buying charcoal • Invest through making of locally housing construction materials. • Savings through Merry Go Rounds. • Through safe custody with shopkeepers. Group members could not make a comparison with any institution since none exist in the area. However they preferred the usual means of using matatu. xiv. Focus Group Discussions with Potential OVC Guardians in Dertu. Point of discussion Discussion What are the difficulties you face in taking care of these children? • Drought has wiped out the animals - Most of the group members are predominantly pastoralists and earn there living through herding of animals and hence source of livelihood. However most of these animals died due to the past year’s drought making sustenance of their children difficult. • There is high poverty level in the location and hence difficulty in meeting basic needs for their children such as books, school fees, clothing, medication and other necessities. • Lack of gainful employment has also compounded the already existing problem. The location is cut off from the rest of other areas and there no industries and entrepreneurs where the vulnerable members of the group can go for employment. This has forced the community to rely on relief supplies from humanitarian organizations and hence dependency syndrome. • The biggest challenge in this location is that widows are now household heads due to demise of their spouses and thus dual role i.e. They carry both domestic role as well that of the fathers. Some of these difficulties include fending for the children i.e. providing food, milk, clothing and 35
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 and 40: Discussion Point The Discussion Wha
Page 41: eceive money from your relatives, f
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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