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276 Kenya’s Financial Transformation in the 21st Century Gutiérrez-Nieto, B., C. Serrano-Cinca and C. Mar Molinero (2007), “Microfinance Institutions and Efficiency”, Omega 35 (2), pp. 131–142. _____ (2009), “Social Efficiency in Microfinance Institutions”, Journal of the Operational Research Society 60(1), pp. 104–119. Heckman, J. and J. Smith (1995), “Assessing the Case for Social Experiments”, Journal of Economic Perspectives 9(2), pp. 85–110. Huston, S.J. (2010), “Measuring Financial Literacy”, Journal of Consumer Affairs 44(2), pp. 296–316. Johnson, S., G. K. Brown and C. Fouillet (2012), The Search for Inclusion in Kenya’s Financial Landscape: The Rift Revealed, Nairobi: FSD Kenya. Johnson, S. and S. Storchi (forthcoming), Financial Capability from the Perspective of the Capability Approach, Nairobi: FSD Kenya. Kempson, E., S. Collard and N. Moore (2005), Measuring Financial Capability: An Exploratory Study, Consumer Research Report No. 37, prepared for the Financial Services Authority by the Personal Finance Research Centre, University of Bristol. Kempson, E., V. Perotti and K. Scott (2013), Measuring Financial Capability: A New Instrument and Results from Low- and Middle-Income Countries, Financial Literacy and Education Russia Trust Fund, Washington DC: World Bank. Lusardi, A. and O.S. Mitchell (2011), “Financial Literacy around the World: An Overview”, NBER Working Paper No. 17107, Washington, DC. Mandell, L. and L.S. Klein (2009), “The Impact of Financial Literacy Education on Subsequent Financial Behavior”, Journal of Financial Counseling & Planning 20(1). Microfinance Opportunities (MFO) (2015), Financial Capability Index. A Toolkit for Use” (available at http://microfinanceopportunities.org/fciportal/FinancialCapabilityIndexToolkit.pdf, accessed 9 March 2015). OECD (2005), Improving Financial Literacy Analysis of Issues and Policies, Paris: OECD Publishing. Reig-Martínez, E., J.A. Gómez-Limón and A.J. Picazo-Tadeo (2011), “Ranking Farms with a Composite Indicator of Sustainability”, Agricultural Economics 42, pp. 561–575. Remund, D.L. (2010), “Financial Literacy Explicated: The Case for a Clearer Definition in an Increasingly Complex Economy” Journal of Consumer Affairs 44(2), pp. 276–295.
Financial Capability and Financial Inclusion 277 Robeyns, I. (2005), “The Capability Approach: a theoretical survey”, Journal of Human Development 6(1), pp. 93–117. Rogge, N. (2011), “Granting Teachers the ‘Benefit of the Doubt” in Performance Evaluations”, International Journal of Educational Management 25, pp. 590–614. Rosenbaum, P. and D. Rubin (1983), “The Central Role of the Propensity Score in Observational Studies for Causal Effects”, Biometrika 70, pp. 41–55. Sen, A. (1999), Development as Freedom, Oxford: Oxford University Press Sianesi, B. (2004), “An Evaluation of the Active Labour Market Programmes in Sweden”, The Review of Economics and Statistics 86(1), pp. 133–155. Sherraden, M.S. (2010), “Financial Capability: What Is It, and How Can It Be created?”, CSD Working Papers No.10-17, University of Missouri-St. Louis. Thaler, R.H. and C.R. Sunstein (2009), Nudge: Improving Decisions about Health, Wealth and Happiness (New International Edition), London: Penguin. Thrall, R.M. (1989), “Classification Transitions under Expansion of Inputs and Outputs in Data Envelopment Analysis”, Managerial and Decision Economics 10(2), pp. 159–162. White, S.C. (2010), “Analyzing Wellbeing? A Framework for Development Practice”, Development in Practice 20(2), pp. 158–172. Wolff, J. and A. De-Shalit (2013), “Sen’s Capability Approach and the Many Spaces of Human Well-Being”, Journal of Development Studies 41(8), pp. 1339– 1368 . Xu, L. and B. Zia (2012), “Financial Literacy around the World. An Overview of the Evidence with Practical Suggestions for the Way Forward”, World Bank Policy Research Working Paper No. 6107, Washington, DC. Zollmann, J. and D. Collins (2010), “Financial Capability and the Poor: Are We Missing the Mark?”, FSD Insights No. 2.
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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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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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CHAPTER 3 Formal Financial Inclusio
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The Digitisation of Financial Servi
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CHAPTER 6 Measurement of Financial
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