FINAL REPORT - FSD Kenya

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The respondents are mainly low-income earners, some of them fetch firewood, charcoal and raw materials for building from Korkora and sale this mainly To Garissa town and Iftin and in turn they buy sugar. There are some respondents who practice small scale business i.e. buying Milk from Bangali (bangali is located along Garissa – Mwingi road) and resell it in Iftin, the proceeds from the sale of milk they buy with food stuffs from Garissa Town, there are also some residents who involve themselves in hotel businesses i.e. selling tea and food; others sell miira which they buy from Garissa town in Iftin. However, there are respondents who get their main income from the OVC’s office in Garissa town. v. Cash Mobility Mapping tool with OVC Beneficiaries Balambala Cash Mobility Map of Balambala Division GARISSA TOWN Medical care Sugar Clothes Household goods e.g. utensils Government Assistance DCO office Cash payments Key: Income from business activities Expenditures MBALA MBALA Bananas Green grams Paw paws Beans Sugar Milk Firewood BURA TANSE Fire wood The respondents engage in some income generating activities such as firewood collection, sale of camel/cow/goat milk to Garissa town. They also farm and grow foodstuffs, which are sold in Garissa town and other neighboring towns. They rely on Garissa for medical care and household goods and government assistance in the form of relief food. Milk bought from Rahole is sold in Garissa and Balambala. vi. Life Cycle Analysis with OVC Beneficiaries in BALAMBALA DIVISION (A PRA tool and an FGD tool with the same group) PRA TOOL: Life Cycle Analysis (with same group) Event Score Explanation and reasons Current coping mechanism Secondary/tertiary education 5 Primary education in <strong>Kenya</strong> is free. This leaves guardians/ parents to pay for the • Contributions of Kshs1,000 per month from the OVC 42 RAHOLE Milk NAIROBI • Remittances
secondary education, which is very expensive for the respondents. They believe in educating the children through secondary education because they believe they will support the family later in life as they acquire good jobs. - “Education is light”. The average cost of fees per term is about Kshs5,000. Because of no income this has caused the greatest pressure in households with secondary school going children Funeral/Death 4 Burying the dead and giving them a good send off is a must within the region. It’s considered very important and involves huge amounts of money. However this collective responsibility among all the community members. During this period a lot of pressure for large amounts of money is exerted. Sometimes these funds involve transporting the body from hospital if the person died in hospital and paying the hospital bills. Marriage of child 3 In the Somali cultural setup, a dowry has to be paid to the family of the bride. This can be in form of cash, cattle and camels. Sickness 4 In this place there are many cases of madness due to stress and poverty. Other sicknesses are pneumonia, snakebites and malaria. “A sick person is unproductive” hence the community attaches a lot importance to attend to the sick no matter how costly it may be. This has generated a lot of financial pressure to meet the treatment of the sick. House building 2 There is a need to build a permanent house. Current floods have displaced many people and none can afford building a better permanent house. As a result many are staying in makeshift houses which are breeding places for snakes and mosquitoes. All are looking for finances to construct more permanent houses. 43 programme have helped some families to take their children to school. • Usually get support from well to do relatives, though some times it is not so regular. • Sale of animal e.g. camels, goats and cattle. • Cost of a camel ranges from Kshs15,000 to 20,000. Goats range from Kshs1, 000 to 1,500. Cattle range from Kshs10,000 to 15,000. • Operate small-scale business like retail shops and sell of camel milk. • Members of the community contribute an average of Kshs100 to 500 depending on the financial strength of the community member. However total costs may range from Kshs10,000 to 20,000. • Sale of some of the animals to meet dowry expenses • Accumulated savings in kind - like goats, camels and cattle • Borrowing from relatives and friends. • Sale of some animals to meet the challenge. • Sale of animals to meet the challenge • Shifting to organized refuge camps where building materials are given by relief agencies.
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 and 42: eceive money from your relatives, f
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: Explanation Crisis died • 10 year
Page 53: February savings are encouraged so

FINAL REPORT - FSD Kenya

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