FINAL REPORT - FSD Kenya

TABLE OF CONTENTS
1 Introduction..........................................................................................................................1
2 GARISSA DISTRICT ..........................................................................................................5
2.1 Background Information...................................................................................................5
2.2 Difficulties in Garissa........................................................................................................6
2.2.1 What Are the General Difficulties Facing the People of Garissa?......................................6
2.2.2 What are the Specific Difficulties facing Members of Respondent Households? ...............7
2.3 What are the Cash Demands and Coping Mechanisms among Respondents? ...................9
2.4 What are the Demand for Financial Services: Savings, Credit and Money Transfer .........10
2.4.1 Financial System in Garissa.............................................................................................10
2.4.2 Savings............................................................................................................................10
2.4.3 Credit..............................................................................................................................11
2.4.4 Money Transfer Services.................................................................................................11
2.4.5 Reasons for Non-use of Formal Systems ........................................................................13
2.5 Conclusions and Recommendations................................................................................13
2.5.1 Difficulties in Garissa and among respondents ...............................................................13
2.5.2 Cash Demands and Coping Mechanisms ........................................................................14
2.5.3 Demand for Financial Services: Savings, Credit and Money Transfer ..............................14
2.6 ANNEXES ....................................................................................................................17
2.6.1 ANNEX 1:– RESEARCH QUESTIONS ......................................................................17
2.6.2 ANNEX 2: FOCUS GROUP DISCUSSION GUIDES.................................................19
2.6.3 ANNEX 3: TOOLS USED IN KWALE DISTRICT.....................................................20
2.6.4 FOCUS GROUP DISCUSSION OUTCOMES.............................................................21
2.6.5 OUTCOMES OF PRA TOOLS.....................................................................................38
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