in the 21st Century

The Geography of Financial Services Providers in Kenya 91
Table 4: Descriptive statistics at the county level
County Access
Credit
usage
Transactions
usage
Income Education
No. of mobile
money agents
per 100,000
inhabitants
No. of mobile
bank agents
per 100,000
inhabitants
No. of
MFIs per
100,000
inhabitants
No. of
SACCOs per
100,000
inhabitants
No. of
ATMs per
100,000
inhabitants
No. of bank
branches
per
100,000
inhabitants
BARINGO 2.34 2.13 1.61 8,079.58 2.68 72.90 16.38 1.62 2.16 0.72 1.62
BOMET 3.28 2.64 2.06 4,816.78 2.15 48.35 10.41 1.37 0.82 0.14 1.23
BUNGOMA 3.14 2.31 1.91 8,152.57 2.37 71.56 8.15 0.73 0.29 0.00 1.09
BUSIA 2.84 2.29 1.78 9,110.11 2.20 69.76 11.96 0.54 0.13 0.13 1.61
ELGEYO
(KEIYO)
MARAKWET
3.00 2.56 1.87 12,958.99 2.43 54.59 12.97 1.08 1.62 0.27 1.08
EMBU 2.17 1.85 1.57 7,587.89 2.23 92.40 17.63 1.74 5.42 0.97 2.32
HOMABAY 2.94 1.92 1.78 4,010.25 2.02 95.25 9.86 0.52 0.31 0.00 1.25
ISIOLO 3.27 2.51 2.08 8,720.08 1.89 106.77 6.28 2.79 1.40 0.00 4.89
KAJIADO 2.56 2.37 1.61 12,322.78 2.34 272.95 37.54 4.51 3.93 2.76 5.67
KAKAMEGA 2.76 2.09 1.77 7,699.94 2.34 64.43 8.79 0.42 0.42 0.24 0.60
KERICHO 2.16 2.02 1.56 10,224.32 2.42 67.38 8.77 0.53 1.20 0.93 1.59
KIAMBU 1.91 1.95 1.30 13,494.80 2.68 25.77 45.71 2.83 4.37 1.54 4.44
KILIFI 3.31 2.55 2.05 7,790.83 1.98 90.02 9.28 1.44 1.35 0.72 2.88
KIRINYAGA 2.31 2.09 1.66 7,702.20 2.31 182.75 50.18 1.70 5.49 1.51 2.84
KISII 2.92 2.23 1.83 3,635.96 2.48 849.62 10.50 0.43 2.34 0.43 1.91