in the 21st Century

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150 Kenya’s Financial Transformation in the 21st Century Variable Description Obs Mean Std. dev. Min. Max. FinPAwareness Count variable of total financial terms respondent is aware of, including: savings account, insurance, interest, shares, cheque, collateral, budget, investment, ATM card, inflation, pension, mortgage. 6186 7.5 3.62 0 1212 VGoodBankAccess This is a binary variable taking the value of 1 if a person within 30 minutes of a bank and 0 otherwise. 6186 0.644 0.479 0 1 GoodBankAccess This is a binary variable taking the value of 1 if a person lives between 30 – 60 minutes away from a bank and 0 otherwise AvgBankAccess This is a binary variable taking the value of one if a person lives between 1 and 2 hours away from a bank and 0 otherwise. 6186 0.19 0.392 0 1 6186 0.053 0.224 0 1 BadBankAccess This is a binary variable taking the value of 1 if a person lives over 3 hours away from a bank and 0 otherwise. 6186 0.114 0.318 0 1 Agriculture This is a binary variable that takes the value of 1 if a person responded that the most important income generator was agriculture related (food crops, cattle/ livestock, fishing, employed on another’s farm, etc.). It takes the value of 0 otherwise. 6186 0.442 0.497 0 1 OwnBusiness This is a binary variable that takes the value of 1 if a person responded that the most important income generator was their own business. It takes the value of 0 otherwise. 6186 0.156 0.363 0 1 Formal Occupation This is a binary variable that takes the value of 1 if a person responded that the most important income generator was not agriculture related and was through employment for someone else (domestic chores, government, private sector). It takes the value of 0 otherwise. 6186 0.162 0.369 0 1 Dependent This is a binary variable that takes the value of 1 if a person responded that the most important income generator was their pension, money from family or aid assistance. It takes the value of 0 otherwise. 6186 0.186 0.389 0 1 Central This is a binary variable for the Central region. 6186 0.136 0.343 0 1 Coast This is a binary variable for the Coast region. 6186 0.094 0.292 0 1
Formal Financial Inclusion in Kenya: Understanding the Demand-Side Constraints 151 Variable Description Obs Mean Std. dev. Min. Max. Eastern This is a binary variable for the Eastern region. 6186 0.156 0.363 0 1 Nyzanza This is a binary variable for the Nyzanza region. 6186 0.137 0.344 0 1 RiftValley This is a binary variable for the Rift Valley region. 6186 0.265 0.442 0 1 NairobiProvince This is a binary variable for the Nairobi region. 6186 0.107 0.31 0 1 Western This is a binary variable for the Western region. 6186 0.104 0.305 0 1 TrustBanks This is a binary variable that takes the value of 1 if a person responded that the financial providers they trust the most are banks and a value of 0 otherwise (in 2013 this is question is d8a) 6186 0.438 0.496 0 1 HHead This is a binary variable that takes the value of 1 if a person is the household head and a value of 0 otherwise. 6186 0.529 0.499 0 1 MDecisionmaker This is a binary variable that takes the value of 1 if a person is the main household financial decision-maker and a value of 0 otherwise. 6186 0.618 0.486 0 1 JuniorDecisionmaker This is a binary variable that takes the value of 1 if a person is a junior household financial decision-maker and a value of 0 if otherwise. NonFDecisionmaker This is a binary variable that takes the value of 1 if a person is not involved in household financial decision-making and a value of 0 if a person is. 6186 0.293 0.455 0 1 6186 0.089 0.285 0 1 English This is a binary variable that takes the value of 1 if a person's preferred language is English and a value of 0 otherwise. 6186 0.189 0.391 0 1 Swahili This is a binary variable that takes the value of 1 if a person's preferred language is Swahili and a value of 0 otherwise. Kikuyu This is a binary variable that takes the value of 1 if a person's preferred language is Kikuyu and a value of 0 otherwise. 6186 0.459 0.498 0 1 6186 0.094 0.291 0 1 MinorityLang This is a binary variable that takes the value of 1 if a person's preferred language is any of the remaining language options and a value of 0 otherwise. 6186 0.259 0.438 0 1
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Kenya’s Financial Transformation
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FSD Kenya 5th floor, KMA Centre Cor
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Dedication Ravi Ramrattan was FSD
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vi Kenya’s Financial Transformati
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viii Kenya’s Financial Transforma
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2 Kenya’s Financial Transformatio
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CHAPTER 1 Transformation of Kenya
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CHAPTER 2 The Geography of Financia
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Is Kenya’s Digital Revolution Inf
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CHAPTER 6 Measurement of Financial
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CHAPTER 7 Financial Capability and
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