FinAccess Report 09

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JUNE 2009

FinAccessNational Survey 2009

Dynamics of Kenyas changing financial landscape


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FINACCESS2009 SURVEYRESULTS

Technical parTners

Financial access parTnership MeMbers

principal parTners

Every effort has been made to provide accurate and complete information. However, the members of the Financial Access

Partnership, FSD Kenya, its Trustees and partner development agencies make no claims, promises or guarantees about

the accuracy, completeness, or adequacy of the contents of this report and expressly disclaim liability for errors and

omissions in the contents of this report.

Commercial Bank of Africa

Co-operative Bank of Kenya

Decentralised Financial Systems

Development Alternative International (DAI)

Equity Bank

Institute of Economic Affairs (IEA)

Kenya Bankers Association

Kenya Commercial Bank

Kenya Institute for Public Policy Research and Analysis (KIPPRA)

K-REP Development Agency

Microsave

Ministry of Labour

PostBank

The FinAccess Secretariat is housed and administered at the Central Bank of Kenya

Funders

Project Implementation Unit, Financial and Legal Sector Technical Assistance Project, Office of The Deputy Prime Minister and Ministry of Finance


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FINACCESS2009 SURVEY

RESULTS

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aoym, avto dfto .............................................................................................................5

1. itoto ..............................................................................................................................................................................6

2. lfty vg oto ......................................................................................................................8

3. lvoo............................................................................................................................................................................10

4. a t...............................................................................................................................................................11

5. svg .....................................................................................................................................................................................14

6. ct...........................................................................................................................................................................................15

7. rmtt........................................................................................................................................................................16

8. i k .....................................................................................................................................................17

9. Toogy ...........................................................................................................................................................................19

10. F ty ..........................................................................................................................................................21

11. Yot.............................................................................................................................................................................................23

a ......................................................................................................................................................................................................25

Table of Contents


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RESULTS

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Acronyms, Abbreviations and Definitions

asca Accumulating Savings and Credit Association

aTM Automated Teller Machine

bz Locally convened community meeting

cbK Central Bank of Kenya

cm ROSCA in Swahili

dk Shop in Swahili

Fap Financial Access Partnership

Fsd Financial Sector Deepening

helb Higher Education Loans Board

id Identity Card

Kish Sampling method for randomly selecting individuals in household

Knbs Kenyan National Bureau of Statistics

Ks Kenya Shilling

lsM Living Standards Measure

MFi Micro-finance Institution

M-pesa Mobile-based money transfer service (pesa means money in Swahili)

nassep National Sample Survey and Evaluation Programme

nhiF National Hospital Insurance Fund

nssF National Social Security Fund

rOsca Rotating Savings and Credit Association

saccO Savings and Credit Co-operative


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1. INTRODUCTIONBACKGROUND

Ojtv of Fa 2009:

Provide information to policy makers about the

main barriers to access, geographic or socio-

economic for instance, providing an impetus for

necessary reforms;

Provide information to the private sector about

market opportunities, and in particular insight into

the types of products that will suit newly identified,

unserved market segments;

Provide a solid empirical basis to track progress

and evaluate the effect of various government-led

and donor-led initiatives and

Provide data for use in academic research into the

impact of access to financial services on growth

and poverty reduction.

svy mtooogy:

Fieldwork carried out by Synovate/Steadman

Group.

Sampling done by Kenya National Bureau of

Statistics, based on NASSEP IV.

Cluster stratified probability sampling used.

First level selection of clusters to ensure repre-

sentative at national, provincial and urbanisation

levels (urban/rural).

Second level selection of households within each

cluster, twelve selected, ten targeted.

Third level selection of an individual using the

KISH grid to randomly select a respondent aged

16+ years.

Sampled 650 clusters, with target of 10 interviews

in each.

Qto g:

Led by FSD and guided by the Financial Access

Partnership.

Translated into Swahili and other major languages

spoken in Kenya: Kikuyu, Luo, Meru/Embu, Kisii,

Luhya, Kalenjin, Kamba, Somali, Turkana, Maasai.

Back translated into English for validation

purposes.

FA06 FA09

lgt: 36 pages 49 pages

avg tvw: 45 minutes 60 minutes

sto: General demographics General demographics

Effective literacy & numeracy

Access to amenities Access to amenities

Biggest risks Biggest risks

Financial literacy

Livelihood & income Livelihood & income

Product usage Product usage

Money transfers Money transfers

Savings Savings

Community-based groups Community-based groups

Credit / loans Credit / loans

Insurance Insurance

Mobile phone & technology usage Mobile phone & technology usage

Vulnerability & general psychographics Vulnerability & general psychographics

Housing conditions Housing conditions

Allocation of personal expenditurePersonal expenditure & minimum household

income

TABLE 1.1 - como of Fa vy qto


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RESULTS

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sm v:

6,598 completed interviews.

Target of 10 interviews per cluster; ranged from

3 to 12 interviews, average 8 interviews in each

cluster.

Sample weighted back to population.

SAMPLE CHARACTERISTICS

Gender bias occurred during the survey towards

female respondents possibly because a higher

proportion of potential male respondents were not

available during the time the survey team were in

the area.

Using statistical techniques, this has been corrected

by weighting; weighted gender distribution now

similar to the national distribution.

In this report, all tables and figures present the

results for those aged 18 and over, the current

legal age for getting a national ID card in Kenya.Results for those aged 16 and 17 years old are

presented in the final section of this report.

GRAPH 1.1 - G 18+

Male 47.5%

Female 52.5%

GRAPH 1.2 - G16/17

Male 55.0%Female 45.0%

GRAPH 1.3 - r 18+

Rural 78.7%

Urban 21.3%

GRAPH 1.4 - r 16/17

Rural 78.7%

Urban 21.3%

saMple disTribuTiOn bY prOVince: 18 Years Or Older

Percentage of sample: 26%

rft Vy et

not et

cot

no

Wt

nyz

ct

Percentage of sample: 11.5%


Percentage of sample: 12.6% Percentage of sample: 8.4%





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HOUSING

Most people own the houses they live in (68.5%),

but this is significantly different in urban (17.7%)

and rural areas (82.2%).

Employers provide housing for 24.1% of

respondents (most of this is perceived as free

but strictly speaking, the government does imposesome form of taxation on employer-provided

housing in the formal sector).

A third of house-owners acquired their homes

through inheritance; only 1.5% acquired their

homes through formal or other credit.

Almost half of Nairobi-based home owners

bought their houses, but in all other provinces,

the proportion of owners who bought is negligible,

at 2%.

Two-thirds of all respondents used workmen or a

construction company to build their houses.

Most people see their homes as something to

keep and never sell (84.3%); the proportion who

hold this view is lowest in North Eastern (65.9%)

and Nairobi (70.8%).

Only 23.7% are willing to use their home as security

to borrow money; the proportion is highest in Nairobi

(33.6%) and lowest in Eastern (17.3%).

In Nairobi 70.3% of houses are permanent

dwellings; these are also common on the Coast,

where 54.2% of houses are of this type.

Traditional houses are common in North Eastern

(55.1%) and on the Coast (23.2%).

HOUSEHOLD SIzEMean household sies in rural areas are 5.48

persons, and 3.77 in urban areas.

Household sies are highest in North Eastern, with

a mean of 7.29 persons.

HOUSEHOLD ASSETS

A list of household assets commonly used to

construct the Living Standards Measure was

administered.

Average number of assets owned was 2.8

nationally; two provinces had averages higher

than the national average: Nairobi (5.9) and

Central (3.2).

Commonly owned assets in rural areas are: radio

(80.1%), sofa set (36.1%), bicycle (34.8%).

Commonly owned assets in urban areas are: radio

(90.3%), sofa set (66.0%), colour TV (52.6%).

Items that require electricity are significantly more

common in urban areas, in particular television

ownership, DVD players, and electric irons.

Livestock ownership is common in rural areas

(82.1%); with cattle owned by 73.3% of rural

households, chickens by 79.4%.

GRAPH 2.1 - hom otto y ov

naTiOnal

Nairobi

Central

Coast

Eastern

Nyana

Rift Valley

Western

North Eastern0% 20% 40% 60% 80% 100%

Self built Workmen/cons truc tion co Bough t it Don t know

GRAPH 2.2 - hom qto y

50%

40%

30%

20%

10%

0%

Regularincome

Inherited Formalsavings

Formalcredit

Othercredit

Miscmethods

Othersavings

r

u

2. LIFESTYLES AND LIVING CONDITIONS


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RESULTS

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GRAPH 2.3 Ow of o-t tm y 100%

80%

60%

40%

20%

0%

Radio

Bicycle

Mo

torcycle

Car

Ox

/plough

Ox/donkeydrawncart

Sofaset

Sewingmachine

W

ardrobe

Built-inkitchensink

Fixedteleph

oneline

Camera

r

u

r

u

r

u

GRAPH 2.4 Ow of t tm y

60%

50%

40%

30%

20%

10%

0%

B&wt

elevision

Colourtelevision

Refrigerator

Computer

Hi-fi/musiccentre

Microwaveoven

Ele

ctricstovewithoven

Vacuumc

leaner

Free-s

tandingdeepfreezer

Dvdplayer

V

ideorecorder/player

Electriciron

GRAPH 2.5 - ptg otg oft v of vty

35%

30%

25%

20%

15%

10%

5%

0%CrimeNo food No

medicineNo safewater

Noshelter

Nofuel

No cashincome

VULNERABILITYAt a national level, households often went without

various items in the preceding 12 months; the

highest levels of vulnerability were for: cash

income (32.4%), food (15.2%), safe water

(13.8%), medicine (13.5%).

Respondents in North Eastern (68.8%) and

Western (51.6%) reported the highest levels of

being without cash income.

Rates of vulnerability were generally higher than

in 2006: shelter (3.4% in 2006 to 6.5% in 2009),

crime (5.9% in 2006 to 9.5% in 2009).


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3. LIVELIHOODS, INCOME AND EXPENDITURE

GRAPH 3.1 - M o of voo fo g18 ov

GRAPH 3.2 etmt mmm om q om wt t

v y ov

A higher proportion of respondents depend on

transfers as their main source of income in 2009

(21.0%) than in 2006 (14.3%).

A lower proportion of respondents are engaged

in agriculture in 2009 (45.8%) than in 2006

(48.9%).

Respondents were asked what the minimum

income that would be required for their household

expenses; these averages are summarised in

graph 3.2.

Respondents were also asked to list their

expenditure by different categories; the averages

are shown in graph 3.2.

As can be expected, income and expenditure

levels are higher in urban areas than in rural areas;

average minimum income required in urban areas

is KSh 15,105 compared to KSh 6,552 in rural

areas.

In Nairobi, average minimum income required is

KSh 22,658.

25%

20%

15%

10%

5%

0%

2006

2009

Pension

Family/friends

Cashcrops

Foodcrops

Livestockoutput

Livestocksales

Fishfarming/Fishing

Farme

mployment

Domesticemployment

Governmentemployment

Office/businessmed-large-privatesector

Office/businesssmall-privatesector

Office/businessmicro-privatesector

Ownbusinessmanufacturing

Ownbusinessretail

Ownbusinessservices

Sub-lettingland

Sub-lettingrooms

Investments

Aidassistance

Other

None/DK

0 5 000 10 000 15 000 20 000 25 000 30 000

M om Tot t

TOTal

RURAL

URBAN

Nairobi

Central

Coast

Eastern

Nyana

Rift Valley

Western

North Eastern


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RESULTS

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4. ACCESS STRANDSThe access strand presents usage of financial services by

level of formalisation:

Fom use a bank, PostBank or insurance

product.

Fom ot do not use any formal product,but use services from non-bank financial

institutions such as SACCOs (Savings and

Credit Cooperative Societies) and MFIs

(Micro-finance Institutions).

ifom

do not use any formal/formal otherproducts but use informal financial service

providers such as ASCAs, RoSCAs and

groups/individuals other than family/friends.

e use no formal/formal other orinformal financial services.

22.6% of the population aged 18 years and older

is formally included compared to 18.9% in 2006.

Usage of non-bank financial institutions has more

than doubled from 7.5% in 2006 to 17.9% this

can be mostly attributed to the new M-PESA

service provided by Safaricom.

A total of 40.5% are formally served, representing

approximately 7.6 million of an estimated adult

population of 18.7 in Kenya in 2009.

Dependence on only informal financial services

declined from 32.7% to 26.8%.

The proportion excluded shrank from 38.4% in

2006 to 32.7% in 2009.

Access to financial services improved both in rural

and urban areas; in urban areas, the formal strand

increased from 32% in 2006 to 41% in 2009.

The proportion of those excluded from financial

services also dropped in both; the drop was more

marked in urban areas where it declined by about

half.

2009

rural Maleurban FeMale

17.6%

41%

20.2%

15.9%17%

21.4%

27.9%

17.8%

29.6%

16.5%

19.5% 33.4%

35.9%21.1% 32.4% 33%

2006

Fom

Fom ot

ifom

e

Fom

Fom ot

ifom

e

Fom

Fom ot

ifom

e

18.9%

7.5%

35.2%

38.4%

22.6%

17.9%

26.8%

32.7%

0%

100%

2006 2009

rural Maleurban FeMale

14.9%

32% 9.2%

5.9%

8.5%3.5%

23.8%

14.3%

39.2%22.8%

29.5% 40.5%

41.6%37.4% 37.5% 39.3%

0%

100%

GRAPH 4.1 - F t

GRAPH 4.2 - F t y g

GRAPH 4.3 - F t y g

0%

100%


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GRAPH 4.5 - F t y g

0%

100%

Fom Fom ot ifom e

18-24 y

2009

25-34 y 35-44 y 45-54 y 55+ y

12.3%

28.2%

14.6% 18.1%

14.2%19.9%

19.8%

30.5%26%

20%

22.2%

28.8%29.3%

27.1%

28.9%

23.2%45.5% 25.7% 28.8% 37%

GRAPH 4.4 F t y to

Fom Fom ot ifom e

0%

100%

2009

Tty soy pmy no

70.3%

34.7%16.6%

7.1%

19.5%

25%

13.4%

4.9%

2.2%

15.3%

35.8%

32.1%

25.1%8% 34.2% 55.9%

Access to financial services improved both in rural

and urban areas (see Graph 4.5); by age group,

exclusion is highest in those under 25 years old

and those over 55 years.

A significant proportion (approx a fifth) of people

across all age groups depend only on informal

financial services.

Usage of formal financial services increases

significantly with level of education rising from

4.9% for those with no education to 70.3% for

those with tertiary education.

Exclusion decreases as level of educationincreases, from 55.9% for those with no education

to 8.0% for those with tertiary education.

A high proportion of respondents report using

more than one type of financial service provider;

this is represented in the financial access overlap

diagrams in graph 4.6.

Amongst the urban, a fifth use formal, formal other

and informal providers; urban dwellers are more

likely to use several different types of providers

(47.9%).


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RESULTS

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GRAPH 4.6 F ov y g

Fom oy

Fom fom ot fom

Fom fom ot

Fom ot oy

Fom fom

Fom ot fom

ifom oy

32.7%

7.8%

10.1%

10.2%

6.9%

26.8%

3%

35.9%

7%

10%

7.5%

5%

29.6%

2.9%

Formal Informal

Formal otherrural

21.1%

20%

11%

13.3%

18.5%

10.4%

3.6%

Formal Informal

Formal otherurban

32.4%

10.4%

9.8%

10.7%

10.7%

19.5%

3%

Formal Informal

Formal otherMale

33%

5.5%

10.3%

9.8%

3.5%

33.4%

3.1%

Formal Informal

Formal otherFeMale

TOTal

GRAPH 4.7 ug of fft f v ov

60%

50%

40%

30%

20%

10%

0%Sacco

2006

2009

Bank MFI Informal ExcludedInsurance

Formal other

InformalFormal

Usage of MFIs doubled, from 1.7% to 3.4%.

Usage of SACCOs declined from 13.1% to 9%.


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5. SAVINGSRespondents who only have savings with a

group of friends, family/friend or secret place are

classified as excluded; typically, even informal

groups need to have some sort of organiational

structure, with some common overriding financial

purpose.

Usage of savings products has not changed; those

currently using them is constant at 52%.

Most people in urban areas are current savers; the

proportion rose from 51.2% in 2006 to 60.1% in

2009.

Proportion of those in rural areas who have never

used a savings product is unchanged at 40.6%.

The product descriptions changed slightly

between 2006 and 2009. Many banks have now

developed transaction accounts on which no

interest is payable.

2006 % 2009 %

Rural Urban Rural Urban

cty g vg ot

52.2 51.2 49.2 60.1

pvoy vg ot

7.2 10.0 0.2 0.9

nv vg ot

40.6 38.8 40.6 29.1

TABLE 5.1 - ug of vg ot y

ALL RESPONDENTS

Prodt2006% 2009%

FOrMal

svg - potk 5.6 2.5

svg - bk svg

aot 12.4 -svg - bk ctaot

2.5 -

svg - bk F dotaot

0.7 -

svg - bk - wt tt - 11.6

svg - bk - t - 1.8

svg - bk - tto - 8.4

svg - aTM 5.8 -

svg - dt 0.7 -

svg - aTM/dt - 11.8

FOrMal OTher

svg - saccO 12.8 8.9

svg - MFi 1.5 3.2

inFOrMal

svg - asca 5.4 7.8

svg - rOsca 29.3 31.7

excluded

svg - Go of f 10.9 5.5

svg - Fmy/f 5.7 6.7

svg - st 27.9 55.7

TABLE 5.2 - ug of vg ot y v of fomty

GRAPH 5.2 - ug of vg ot 2009

Currently using asavings product52%

Previously had a savingsproduct

8%

Never had a savingsproduct40%

GRAPH 5.1 - ug of vg ot 2006

Currently using asavings product52%

Previously had a savingsproduct10%

Never had a savingsproduct38%

Dashes indicate the product was not descr ibed in the same wayduring the other survey


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RESULTS

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6. CREDITRespondents who only have credit with family/

friend are classified as excluded; typically, even

informal groups need to have some sort of

organisational structure, with some common

overriding financial purpose.

Usage of credit products has increased from 31%

in 2006 to 38% in 2009.

A higher proportion of people in urban areas

currently have credit (41.0%) compared to those

in rural areas (36.9%).

In rural areas, one in two has never had credit,

down from 61.7% in 2006.

The most common credit source was from informal

sources: 24.3% had credit from shops and other

suppliers.

Another important source of credit was family/

friends, 12.2% in 2009 although this alone, for

our purposes, does not classify a respondent as

financially included.

TABLE 6.1 - ug of t ot y

2006 2009


cty g t ot

30.8 30.2 36.9 41.0

pvoy vg ot

7.5 10.0 13.1 20.0

nv t ot 61.7 59.8 50.0 39.0

TABLE 6.2 - ug of t ot y v of fomty

PRODucT 2006% 2009%

FOrMal

lo - bk 1.8 2.6

lo - ho/ fom k 0.4 0.2

lo - ho/ fom

oty0.1 -

lo - Ovft 0.3 0.2

lo - ct 0.7 0.8

FOrMal OTher

lo - saccO 4.1 3.0

lo - MFi 0.8 1.8

lo - ho/ fomgovt t

0.2 0.1

lo - Govmt 0.9 0.3

lo - h 0.6 0.1

inFOrMal

lo - emoy 0.9 0.5

lo - asca 1.7 1.8

lo - by 0.9 1.2

lo - Moy 0.7 0.4

lo - so/ t 22.8 24.3

excluded

lo - Fmy/f 12.6 12.2

GRAPH 6.1 - ug of t ot 2006

Currently using a creditproduct31%

Previously had acredit product8%

Never had a credit product61%

GRAPH 6.2 - ug of t ot 2009

Currently using a creditproduct38%

Previously had a creditproduct

15%

Never had a credit product47%

Dashes indicate the product was not described in the same wayduring the other survey


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7. REMITTANCES

Remittances within Kenya are now very common;

52% received money in 2009 compared to 16.5%

in 2006.

International remittances are still low, but 4.3%

claim to have received money in 2009, up from

2.8% in 2006.

The most popular means of money transfer is

M-PESA, now used by 39.9% of all adults.

26% of all M-PESA users also save money on their

phones.

One in six, store value in their phone for use while

travelling.

M-PESA is perceived as the least risky by 26.2%

of respondents, least expensive (31.7%), fastest

(64.3%), easiest to get (47.8%) means of money

transfer.

TABLE 7.2 - pto of fft mtt vy mto

TABLE 7.1 - ato of M-pesa y t M-pesa

SERVIcES %

by tm 41.7

sv moy 26.3

sto moy fo tvg 16.9

Mk oto 5.4

rv ymt 4.9

by goo 3.5

Wtw moy fom aTM 2.7

py 2.3

rv y 1.8

py y 1.7

2006 2009

pv mot ky Friend/family (50.4%) Bus/Matatu (45.8%) & Friend/family (42.7)

pv t ky Specialist money transfer service (19.4%) M-PESA (26.2%)

pv mot v Specialist money transfer service (40.0%) Specialist money transfer service (25.8%)

pv t v Friend/family (51.3%) Friend/family (44.2%) & M-PESA (31.7%)

pv ftt Specialist money transfer service (34.9%) M-PESA (64.3%)

pv owt Friend/family (32.9%) Friend/family (32.4%)

pv t to gt Friend/family (51.3%) M-PESA (47.8%) & Friend/family (36. 8%)

pv t to gt Someone elses account (22.6%)Cheque (18.7%), Money transfer service

(18.3%) & Bus/Matatu (16.4%)

GRAPH 7.1- i of mtt

60%

50%

40%

30%

20%

10%

0%

2006

2009

Receivedin-country

16.5%

51.8%

16.9%

2.8%0.7% 0.8%

4.3%

35.3%

Receivedinternational

Sentin-country

Sentinternational

GRAPH 7.2 - ug of M-pesa y ov

naTiOnal

RURAL

URBAN

Nairobi

Central

Coast

Eastern

Nyana

Rift Valley

Western

North Eastern

0% 20% 40% 60% 80% 100%

M-PESA used M-PESA not used


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RESULTS

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Current usage of insurance remains virtually

unchanged (5.9% in 2006 and 6.8% in 2009).

Usage in urban areas is higher; 12.8% in 2006;

14.1% in 2009.

The majority (63.9%) of those currently using

insurance are males, but this is slightly lower

than in 2006 (68.3%).

Usage of insurance services increases with rising

level of education.

Most current users are between 25 and 54 years old.

The most common product was medical

government-based products used by 4.2% of all

respondents, and private products by 0.7%.

Prodt 2006 2009

i - c 1.8 1.1

i - hoo ott 0.3 -

i - bg 0.3 -

i - ho - 0.2

i - M 2.3 -

i - Govmt m - 4.2

i - pvt m - 0.7

i - lf 1.0 1.0

i - dty 0.2 -i - eto 0.9 0.6

i - po 1.4 1.2

i - nssF 2.7 2.9

i - Ot og-tm 0.2 -

Ot i - 0.0

TABLE 8.1 - ug of ot

GRAPH 8.1 - ug of ot 2006

Currently using aninsurance product6%

Previously used aninsurance product2%

Never used an insuranceproduct92%

GRAPH 8.2 - ug of ot 2009

Currently using aninsurance product7%

Previously used aninsurance product2%

Never used an insuranceproduct91%

8. INSURANCE AND RISK

Dashes indicate the product was not des cribed in the same wayduring the other survey


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TABLE 8.3 - pto of 2009

Insrane user Yes No

cot ffo 50.0 81.4

pott mgy 91.4 83.1

ht g

k5.9 7.7

lf g k 5.2 7.7

com ot t

ot48.5 25.3

com ty to t o 45.1 25.1

agt t fty 53.4 25.9

TABLE 8.4 - Wt fft oo f?

Potential risks 2006 2009

lo of oty 62.4 79.1

dogt/fm 62.4 87.4

ifto 56.6 87.9

lo of 47.4 75.6

lo of m om 43.1 82.4

Foo 36.0 58.0

lo of vtok 33.9 69.1

lo of ot om 18.0 57.7

The most common product was medical, with

government provided products. Most people

agree that insurance protects in emergency, but

81.4% of non-users think it is expensive.

At least half of current insurance users (53.4%)

think agents recruit clients fraudulently; a similarly

high proportion of users (48.5%) think insurance

companies do not explain their products well.

In 2009, the list of risks was expanded with

respondents being asked to define which was the

biggest risk to their household finances; the most

mentioned were loss of main income (21.4%),

drought/famine (18.0%), inflation (15.8%), loss

of land (12.1%), medical costs (9.3%).

TABLE 8.2 - ug of ot y

2006 2009


cty g ot

3.6 12.8 4.8 14.1

pvoy ot

1.6 1.7 2 2.5

nv ot

94.8 85.5 93.2 83.3


19/76


RESULTS

| 19 |

9. TECHNOLOGY

MOBILE PHONE ACCESS

Almost half (47.5%) of all Kenyan adults own a

mobile phone (up from 26.9% in 2006), with the

rate of ownership rising to 72.8% in urban areas

(up from 52.3% in 2006) and 80.4% in Nairobi(up from 63% in 2006).

USAGE OF MOBILE-RELATEDTECHNOLOGY

Usage of additional mobile-based services has

dramatically increased; 37.1% now send airtime

(up from 20.6% in 2006) and 43.1% send text

messages (up from 29.2% in 2006).

Mobile internet access is now used by 4.5% of

respondents; in Nairobi this rises to 19.2%.

An increasing number of people now check their

bills on their mobiles, currently 2.8% nationally

and 13.4% in Nairobi.

USAGE OF OTHER TECHNOLOGY

ATM usage is now 13.4% nationally, up from

7.8%.

Usage of the independent PesaPoint ATM

network has also increased to 3.5% from 1.5%,

the change being strongest among the formally

included (2009 - 13.6%, 2006 - 7.8%).

The use of standing orders has remained

unchanged, at slightly under 1%.

GRAPH 9.1 - Mo o y

100%

80%

60%

40%

20%

0%

Ow o hh mm F/fmy

agt no

GRAPH 9.2 - Mo o y f t

2006 2009

Excluded

2006 2009

Informal

2006 2009

Formal other

2006 2009

Formal

Ow o hh mm F/fmy

agt no

100%

80%

60%

40%

20%

0%

Nairobi

2006 2009

Urban

2006 2009

Rural

2006 2009

National

2006 2009


20/76

| 20 |


GRAPH 9.3 - ug of mo- toogy v

80%

70%

60%

50%

40%

30%

20%

10%

0%

National Formal Formal other Informal Excluded

s tm

s tt mg

by ot v

2006

GRAPH 9.5 ug of ot toogy v

National Formal Formalother

Informal Excluded

45%

40%

35%

30%

25%

20%

15%

10%

5&

0%

u aTM

u ppot

u mkt ot

u ot oo

u tg o

2006

GRAPH 9.4 - ug of mo- toogy v

80%

70%

60%

50%

40%

30%

20%

10%

0%

National Formal Formal other Informal Excluded

s tm

s tt mg

by ot v

itt

ck

2009

GRAPH 9.6 ug of ot toogy v

National Formal Formalother

Informal Excluded

u aTM

u ppot

u mkt ot

u ot oo

u tg o

60%

50%

40%

30%

20%

10%

0%

2009


21/76


RESULTS

| 21 |

EFFECTIVE LITERACY

About 70% of respondents demonstrated

effective literacy.

Around 9 in 10 people in urban areas were

functionally literate.

EFFECTIVE NUMERACY

Around 45% of respondents correctly solved the

numeracy problems posed; this proportion rose

to over 60% in urban areas .

SOURCES OF FINANCIAL ADVICE

Most people turn to their friends and family for

financial advice (45.6%).

A quarter go to their financial institution for

advice: bank, insurance company, SACCO or

agricultural co-op.

KNOWLEDGE OF FINANCIAL TERMS

Financial terms that are commonly understood

include: savings account (91.2%), budget

(71.3%), cheque (65.0%), insurance (52.3%),

interest (50.9%) and pension (52.7%).

Financial terms that most people were

unfamiliar with include: credit bureau (76.9%),

pyramid scheme (69.7%), collateral (62.1%)and mortgage (56.1%).

KNOWLEDGE OF FINANCIALPROVIDERS

Most people were familiar with: ROSCAs (85.0%),

M-PESA (79.6%) and Postbank (69.0%).

People were least familiar with the Nairobi Stock

Exchange (47.6%) and NHIF (34.6%).

Bank 19.6%

Insurance company 0.7%

SACCO 7.1%

Agricultural co-op 1.6%

Church or mosque 1.6%

Employer 2.0%

Friends or family 45.6%

Others 6.6%Did not go anywherefor help 8.8%

Cant remember 6.6%

GRAPH 10.3 - so of f v

GRAPH 10.1 - efftv ty

100%

90%

80%

70%

60%

50%

40%

30%

20%

10%

0%

can read andunderstand all the

questions

can read but cantunderstand the

questions

cant read and cantunderstand the

questions

ru

nto

GRAPH 10.2 - efftv my

70%

60%

50%

40%

30%

20%

10%

0%

Di vi si on pr obl em co rre ct Mul ti pl icat ion p rob le m c orr ec t

r

u

nto

10. FINANCIAL LITERACY


22/76

| 22 |


GRAPH 10.4 - Kowg of f tm

GRAPH 10.5 - Kowg of f ov

Postbank

M-PESA

SACCO

Chama/ROSCA

NSSF

NHIF

Nairobistockexchange

nv wo

h wo ot kow mg

h wo & kow mg

90%

80%

70%

60%

50%

40%

30%

20%

10%

0%

Savingsaccount

Insurance

Interest

Shares

Cheque

Collateral

ATMc

ard

Creditcard

Budget

Investment

Inflation

Leasing

Pension

Mortgage

Pyramidscheme

Creditbureau

nv wo

h wo ot kow mg

h wo & kow mg

100%

90%

80%

70%

60%

50%

40%

30%

20%

10%

0%


23/76


RESULTS

| 23 |

The main income source for youth is transfers;

increasing to 60.1% in 2009 from 2009 from 54.6%

in 2006.

About a quarter are involved in agriculture, down from

33.9% in 2006.

The access strand is virtually unchanged from 2006;

however there is a slight expansion in the Formal

other category, which has expanded from 0.6% to

3.3%, corresponding to a similar decrease in theInformal category. This can be attributed to the usage

of money transfers through the M-PESA product.

Unlike the rest of the population, the proportion of

youths using credit in 2009 (24%) was higher than

those saving (13%).

GRAPH 11.2 - F t fo yot

0% 20% 40% 60% 80% 100%

2009

2006

Formal Formal other Informal Excluded

GRAPH 11.1 - M om o fo yot

70%

60%

50%

40%

30%

20%

10%

0%

Transfers Agriculture Waged(non-agric)

Self-employed Other

2006

2009

saMple disTribuTiOn bY prOVince: 16-17 Year Olds


rft Vy et

not et

cot

no

Wt

nyz

ct



Percentage of sample: 7.8% Percentage of sample: 6.9%




11. YOUTH


24/76

| 24 |


APPENDIX

FinAccess 2009 Questionnaire


25/76

PROJECTFSDK-2009

SerialNo...

DATE

..

Start

time

..........

:

H

H

M

M

A1.

Province/mkoa

1.

Na

iro

bi

3.

Coas

t

5

.Nyanza

7.

Wes

tern

2.

Cen

tra

l

4.

Eas

tern

6

.RiftVa

lley

8.

Nort

hEaste

rn

IDENTIFICATION

A2

.District_

________________________________________________________________________

____________

A3.

Su

bloca

tion

/ward

_____________________________________________________________________________

A4.

Nassepc

lus

ternum

ber.

..............................................................................................................................................

A5.

House

ho

ldnum

ber.

....................................................................................................................................................

A6.

Clus

ter

type

.

Rura

l

Urban

Nameo

fhouse

ho

ldhea

d.....

Interv

iewername:

Interv

iewerco

de

..

SUPERVISOR

(co

de

)

NAME

_______________________

DATE

_______________________

OFF

ICEEDITOR

(cod

e)

NAM

E_________________________

DAT

E_________________________

BACKCHECKED

(co

de

)

NAME

_____________________________

DATE

_____________

_________________

ACCOMPANIED

(co

de

)

NAME

_______________________

DATE

_______________________

SCANNED

(co

de

)

NAME

_______________________

DATE

_______________________

Survey:90109

Page:1

TheSteadma

nGroup

DD

YYYY

MM


26/76

CALLBACKS

:

H

H

M

M

1

:

H

H

M

M

2 3

**ResultCode

1.

Comp

leted

...........................................................................................................................................................

2.

House

ho

ldhea

dun

der

16yearso

fag

e..............................................................................................................

3.

No

house

ho

ldmem

bera

tHome

.........................................................................................................................

4.

Nocompe

ten

trespon

den

ta

thomeat

timeo

fthev

isit

......................................................................................

5.

En

tire

house

ho

lda

bsen

tforex

ten

ded

perio

do

fthe

time

...................................................................................

6.

Pos

tpone

d..........................................................................................................................................................

7.

Re

fuse

d...............................................................................................................................................................

8.

Dwe

llingvacan

tora

ddressno

ta

dwe

lling

..........................................................................................................

9.

Dwe

lling

des

troye

d.............................................................................................................................................

10.

Dwe

llingno

tfoun

d..............................................................................................................................................

11.

Se

lec

tedpersonp

hys

ica

lly/men

tallyn

otfittobe

interv

iewe

d.............................................................................

12.

Se

lec

tedpersoncanno

tcommun

icate

inany

interv

iew

language

.......................................................................

Survey:90109

Page:2

TheSteadma

nGroup

Time

Date

NextVisit

Noof

Results

Date

visits

YYYY

MM

DD

DD

YYYY

MM

Visit1

Visit2

Visit3


27/76

INTRODUCTION..

Goo

dmorn

ing

/afternoo

n/even

ing

.Myname

is.f

rom

Stea

dman

,acompany

tha

tcon

duc

tsresearc

hstu

dies

inKenya

.Thishouse

hasbe

ense

lec

tedforasurveyan

dIam

here

today

toas

kquest

ionson

howpeop

leuse

financ

ialserv

ices

.Thisw

illhe

lpsevera

lorgan

iza

tions

havegoo

din

forma

tiona

bou

thow

theycan

bring

be

tterserv

ices

toyouan

do

ther

Kenyans

.Firs

t,wew

illnee

dtoma

ke

alisto

feveryone

inyour

house

ho

ldsowe

canc

hooseoneperson

inpart

icu

lar

tointerv

iew

............[

HabariyaAsubuhi/Mchana/Jioni.Jinalanguni.............k

utokaSte

admanGroup,K

ampuniinayofanyautafitihap

Kenya.N

yumbahiiimechaguliwakatiyazinginenanikohapaleokukuulizamaswalijinsiwatuhutumia

pesa.H

iiitasaidiamashirikayanayohusikakupatahabarivile

watakavyoletahudumahizikwakona

kwaWakenyawengine.K

wanzatungependakuandikaorodhayawatuwoteambaowanaishikatikanyu

mbahiiilitukawezekuchaguayuleambayetutaongeanaye.

House

ho

ld

sc

he

du

le

Wri

teinfromo

ldes

t

(top

)toyounges

t

(bo

ttom

)

A7.A

ge

(Yea

rs)

A8.

Gen

der

A9.

Re

lation

tohea

do

fHH/Uhusiano

namkuuwanyumba

1=

Hea

do

fhouse

ho

ld

2=

Hus

ban

d/wifeo

fhea

do

fHH

3=

Mo

ther,

father,unc

le,

aun

t,or

gran

dparen

to

fhea

do

fHH

4=

Son

,daug

hter,n

ieceornep

hew

o

fhea

do

fHH

5=

Bro

ther,s

ister,orcous

ino

fhea

dof

HH

6=

Otherre

lations

7=

House

ho

ldemp

loyee

/no

tre

lated

toHH

8=

Noresponse

A10

Income

earner/

Ana

kipato

A11.

Highes

tleve

lo

fforma

l

educa

tioncomp

leted

/Kiwangochaelimu

1=

None

2=

Someprimary

3=

Primarycomp

leted

4=

Somesecon

dary

5=

Secon

darycomp

leted

6=

Tec

hn

ica

ltra

ininga

fter

secon

dary

7=Un

ivers

ity

A12.

Qua

lifytobe

interv

iewe

d

1=

Qua

lify

tob

e

interv

iewed

2=

Awaya

tsc

hoo

l

3=

Trave

lingduring

survey

4=

Men

tallyill

5=

Otherw

ise

incapac

itated

6=

No

tres

iden

tforpas

t

4mon

ths

7=

Un

der

16

A13.

Didthis

persons

leep

un

dera

be

dne

tlas

t

night?

/Alijifunikaneti

yakitandani

usikuuliyopita?

A14

.Ifyes

,

was

the

be

dne

t

trea

tedw

ith

insec

tic

ide

?

/Kamandio,

netihiyo

imetibiwana

dawaya

mbu?

Lista

llmem

bers

ofthe

house

ho

ld

1______________

2______________

3______________

4______________

5______________

6______________

7______________

8______________

9.______________

10._____________

Survey:90109

Page:3

TheSteadman

Group

1.Male

2.Female

1.Yes2.No

1.Yes

2.No

1.Yes

2.No


28/76

House

ho

ld

sc

he

du

le

Wri

teinfromo

ldes

t

(top

)toyounges

t

(bo

ttom

)

A7.A

ge

(Yea

rs)

A8.

Gen

der

A9.

Re

lation

tohea

do

fHH/Uhusiano

namkuuwanyumba

1=

Hea

do

fhouse

ho

ld

2=

Hus

ban

d/wifeo

fhea

do

fHH

3=

Mo

ther,

father,unc

le,

aun

t,or

gran

dparen

to

fhea

do

fHH

4=

Son

,daug

hter,n

ieceornep

hew

o

fhea

do

fHH

5=

Bro

ther,s

ister,orcous

ino

fhea

dof

HH

6=

Otherre

lations

7=

House

ho

ldemp

loyee

/no

tre

lated

toHH

8=

Noresponse

A10

Income

earner/

Ana

kipato

A11.

Highes

tleve

lo

fforma

l

educa

tioncomp

leted

/Kiwangochaelimu

1=

None

2=

Someprimary

3=

Primarycomp

leted

4=

Somesecon

dary

5=

Secon

darycomp

leted

6=

Tec

hn

ica

ltra

ininga

fter

secon

dary

7=Un

ivers

ity

A12.

Qua

lifytobe

interv

iewe

d

1=

Qua

lify

tob

e

interv

iewed

2=

Awaya

tsc

hoo

l

3=

Trave

lingduring

survey

4=

Men

tallyill

5=

Otherw

ise

incapac

itated

6=

No

tres

iden

tforpas

t

4mon

ths

7=

Un

der

16

A13.

Didthis

persons

leep

un

dera

be

dne

tlas

t

night?

/Alijifunikaneti

yakitandani

usikuuliyopita?

A14

.Ifyes

,

was

the

be

dne

t

trea

tedw

ith

insec

tic

ide

?

/Kamandio,

netihiyo

imetibiwana

dawaya

mbu?

CONTINUEFROMTHEPREVIOUSP

AGE

Lista

llmem

bers

ofthe

house

ho

ld

11_____________

12_____________

13_____________

14_____________

15_____________

16_____________

17_____________

18_____________

19._____________

20._____________

A15.

To

talPersons

inthe

House

ho

ld............................................

Survey:90109

Page:4

TheSteadman

Group

1.Male

2.Female

1.Yes

2.No

1.Yes

2.No

1.Yes

2.No


29/76

A16.

Wewou

ldlike

toknow

howmuc

histhea

bso

lutem

inimum

MONTHLYincomeyour

fam

ilywouldnee

d,

inyourcurren

tc

ircumstances?

Tha

tistosay

,tha

tyou

wou

ldno

tbea

bletoma

keen

dsmee

tifyou

earne

dless

than

tha

tamoun

t?/Tungependakujuakiwangochamapatochachinikabisakwamw

ezi,ambachojamiiyakoinahitajikwasasa;Inamaanishakw

ambabilahiyohamtawezakujimudukimaisha.

Ks

h.......................

Interviewer:inordertodeterminewhoyouwillbeinterviewingyouwillneedthelasttwodigitsofthequestionnairenumberasstatedonpage1oftheq

uestionnaire,andthenumberofmembers

inthehouseholdwhoqualifyforthesurvey.

1.Listallqualifyingadultsaged16andabovelivinginthehouseholdtogetherwiththeirageswhethero

rnottheyareinatpresent.Startwiththeoldestandworkdo

wntotheyoungest.

2.Findthenumberrunningdowntheleftsideofthetablethatmatchestheendofthequestionnairenumber,andthenumberofhouseholdmembersthatqualifyrun

ningacrossthetopofthe

table.

3.Circlethenumberwherethesetwonum

bersmeetinthetable.

4.Thisisthenumberofthepersonthatyo

uwillinterviewrecordonpreviouspageandcheckdetails.

5.Interviewtheselectedindividual.

1.________________________________

_______

16

._______________________________________

2.________________________________

_______

17

._______________________________________

3.________________________________

_______

18

._______________________________________

4.________________________________

_______

19

._______________________________________

5.________________________________

_______

20

._______________________________________

6.________________________________

_______

21

._______________________________________

7.________________________________

_______

22

._______________________________________

8.________________________________

_______

23

._______________________________________

9.________________________________

_______

24

._______________________________________

10

._______________________________

_______

25

._______________________________________

11

._______________________________

_______

12

._______________________________

_______

13

._______________________________

_______

14

._______________________________

_______

15

._______________________________

_______

Survey:90109

Page:5

TheSteadma

nGroup

No.ofAdultsintheHousehold.

No.ofAdultsintheHousehold.

Age

Age


30/76

01

26

51

76

02

27

52

77

03

28

53

78

04

29

54

79

05

30

55

80

06

31

56

81

07

32

57

82

08

33

58

83

09

34

59

84

10

35

60

85

11

36

61

86

12

37

62

87

13

38

63

88

14

39

64

89

15

40

65

90

16

41

66

91

17

42

67

92

18

43

68

93

19

44

69

94

20

45

70

95

21

46

71

96

22

47

72

97

23

48

73

98

24

49

74

99

25

50

75

00

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

1

1

1

3

2

4

1

3

5

8

6

5

12

10

1

6

8

7

9

19

13

21

13

24

25

1

2

3

4

3

1

2

2

3

4

8

3

7

2

5

14

4

15

4

8

6

16

14

22

19

1

1

2

1

4

2

7

6

9

3

5

11

2

1

3

11

7

10

16

16

10

5

2

2

3

1

2

3

2

1

3

5

8

6

2

4

2

4

8

11

10

16

6

9

10

15

11

12

1

18

1

1

1

4

5

6

3

5

7

5

9

8

14

3

2

13

5

18

1

4

1

20

1

5

24

1

2

2

2

3

5

6

7

8

7

1

4

9

14

8

2

17

17

14

12

14

22

10

3

14

1

2

1

1

4

1

4

1

4

6

3

6

5

7

13

9

2

3

13

14

8

2

7

20

4

1

1

2

3

2

5

1

4

2

1

7

10

6

5

4

15

10

5

2

13

4

17

5

17

8

1

1

3

2

5

6

2

2

1

9

10

1

10

4

6

6

1

9

10

1

5

6

9

1

12

1

2

2

4

1

3

3

6

9

10

11

12

3

9

15

7

8

11

6

3

9

4

3

10

1

1

1

1

3

1

4

5

3

1

6

2

9

13

11

14

4

11

4

15

15

17

1

1

23

2

1

2

3

1

3

2

7

5

6

5

7

7

8

6

10

3

3

1

12

20

7

13

22

12

16

1

1

2

1

5

3

6

4

3

4

6

2

11

13

12

1

15

8

7

2

12

15

21

13

7

1

2

3

2

4

1

4

7

8

2

5

6

11

12

9

16

13

16

11

18

18

14

16

18

23

1

2

1

4

2

4

3

8

7

7

11

1

3

5

7

12

14

13

8

17

20

19

20

19

11

1

1

3

3

1

6

5

1

5

9

10

3

2

11

13

8

12

12

5

6

21

8

8

4

15

1

1

2

3

4

2

6

4

2

3

2

12

5

2

10

13

5

8

18

9

16

10

17

16

20

1

2

1

4

2

6

4

1

4

8

9

10

7

9

3

12

12

9

7

20

19

9

19

21

13

1

2

2

1

3

5

2

8

9

10

4

9

8

13

1

1

14

10

19

10

11

18

15

7

6

1

1

3

2

5

4

1

3

8

1

3

8

6

6

9

5

7

13

4

15

1

7

22

15

21

1

1

1

2

5

1

7

2

3

2

1

11

4

7

5

3

2

1

3

12

18

5

19

14

9

1

2

1

3

1

3

2

6

2

1

8

7

1

4

2

11

8

2

17

4

17

21

16

3

5

1

2

3

4

2

2

6

7

7

8

3

4

9

3

6

2

11

11

16

2

8

11

23

6

22

1

1

2

1

4

6

3

5

5

3

1

5

13

1

14

8

14

6

15

9

14

3

6

9

17

1

1

2

3

3

2

4

6

4

7

5

3

12

12

12

4

6

2

17

11

2

12

4

8

10

Survey:90109

Page:6

TheSteadma

nGroup

QUESTIONNAIRENUMBERENDSIN

NUMBEROFQUALIFYINGMEMBERSINHOUSEHOLD


31/76

INTERVIEWERINSTRUCTIONS:On

ceyouhaveselectedtherespondent,reintroducethesurveytothem.

A17

.Wha

tlanguagewou

ldyoupre

fer

tobe

interv

iewe

din?

1.

Eng

lish

3.

Kikuyu

5.

Meru

/Em

bu

7

.Lu

hya

9.

Kam

ba

11

.Turkana

2.

Swa

hili

4.

Luo

6.

Kisii

8

.Ka

len

jin

10

.Soma

li

12

.Maasa

i

Ifrespon

den

tcanno

tcommun

ica

teinany

ofthea

bove

languages

,CLOSEINTERVIEW.

DD

MM

YY

HH

M

M

Da

teo

finterv

iew

...............................

T

imeo

finterv

iew

(24hc

loc

k).

..........

Alltheinformationyougiveusiscompletelyconfidentialandwillonlybeaccessedbythoseco-ordinatingthisstudy.

Theinterviewwilltakeabout1h

our.

/Mamboyoteutakayotupaniyasirina

hayatahusishwanawe.Mazungumzohayayatachukuam

udawasaamoja.

RECORDTHEFOLLOWINGDETAILSFORTHEHEADOFHOUSEHOLD-REFERTOHOUSEHOL

DREGISTER

A18.

Recordageo

fthe

hea

do

fthe

house

ho

ld./

Jinsiayamkuuwakaya..

RefertoHOUSEHOLDREGISTER

.Tickappropriateageband

Recordage.............

1.

16

-17years

4.

30

-34years

7

.45

-49years

10

.60

-64years

2.

18

-24years

5.

35

-39years

8

.50

-54years

11

.65+years

3.

25

-29Years

6.

40

-44years

9

.55

-59years

12

.Re

fusa

l

A.1

9.

Recordgen

dero

fthe

hea

do

fthehouse

ho

ld.

ReferTOHOUSEHOLDREGISTER.

1.

Ma

le/Mwanamume

2

.Fema

le/Mwanamke

A.2

0.

Record

highes

tleve

lo

fe

duca

tionac

hieve

dby

the

hea

do

fthe

house

ho

ld.RefertoHOUSEHOLDREGISTER..

1.

None

3.P

rimarycomp

leted

5

.Secon

darycomp

leted

2.Someprimary

4.

Somesecon

dary

6

.Tec

hn

ica

ltra

ininga

ftersecon

dary

7.Un

ivers

ity

A.2

1.

ASK.

Wha

tisthe

hea

do

fthe

house

ho

ld'smari

tals

tatus

?/Haliyandoayamkuuwanyumba?

1.

Sing

le

2.Divorce

d/Separa

ted

3.

Widowe

d

4.

Marr

ied/livingw

ithpartner

5.

Don

'tknow

Survey:90109

Page:7

TheSteadma

nGroup


32/76

A.2

2.

Recordrespon

den

t'sre

lations

hipto

the

hea

do

fhouse

ho

ld?/Uhusianowakonamkuuwanyumb

aRefertoHOUSEHOLDREGISTER.

Ifheadofhousehold,gotoA27

1.

Hea

do

fhouse

ho

ld/Mkuuwanyumba

5.B

rother,s

ister,orcous

ino

fhea

do

fHH/Ka

ka/Dada/Binamuwamkuuwanyumba

2.

Hus

ban

d/wifeo

fhea

do

fHH/Mme/Mkewamkuuwanyumba

6.

Otherre

lations

/Uhusianomwingine

3.

Mo

ther,

father,unc

le,

aun

torgran

dparen

to

fhea

do

fHH/

7.

House

ho

ldemp

loyee

/No

tre

latedtoHeado

fhouse

ho

ld/Mkuuwanyumba

Mama/Baba/Mjomba/Shangazi/auNyanya/Babuwamkuuwanyumba

ameajiriwa/Hanauhusianonamkuuwanyu

mba

4.

Son

,daug

hter,n

ieceornep

hewo

fheado

fHH

,/Mtotowakiume,mtotowakike,m

pwa

8.

Noresponse

aubinamuwamkuuwanyumba

RECORDTHEFOLLOWINGDETAILSFORTHERESPONDENT-REFERTOHOUSEHOLDREGIS

TER

A23.

Recordageo

ftherespon

den

t.RefertoHOUSEHOLDREGISTER..

TICKAPPROPRIATEAGE

BAND

Recordage........

1.

16

-17years

4.

30

-34years

7.

45

-49years

10

.60

-64years

2.

18

-24years

5.

35

-39years

8.

50

-54years

11

.65+years

3.

25

-29Years

6.

40

-44years

9.

55

-59years

12

.Re

fusa

l

A.2

5.

Record

highes

tleve

lo

fe

duca

tionac

hieve

dbyrespon

den

t/Kiwangochaelimuchajuumhojiwaalichotimiza

RefertoHOUSEHOLDREGISTER

1.

None

3.Primarycomp

leted

5

.Secon

darycomp

leted

2.

Someprimary

4.S

omesecon

dary

6

.Tec

hn

ica

ltra

ininga

ftersecon

dary

7.Un

ivers

ity

A.2

4.

Recordgen

dero

ftherespon

den

tR

efertoHOUSEHOLDREGISTER

1.M

ale

2.

Fema

le

A.2

6.

ASK.

Wha

tisyourmari

tals

tatus?/

Haliyakoyandoa?

1.

Sing

le/HajaoaauKuolewa

2.D

ivorce

d/Separa

ted/Wameachana

3.

Widowe

d/Mjane

4.M

arr

ied/livingw

ithpartner/ameoa/olewa/Wanaishipamojanamwenziwe

5.

Don

'tknow/Sijui

Survey:90109

Page:8

TheSteadma

nGroup


33/76

EF

FECTIVELITERACY.

Askall:

A.2

7

Pleaserea

deac

ho

ftheques

tions

on

thiscardou

tlou

dtomean

dg

iveme

theanswer

toeach

./Tafadhalisomakilaswalinainipejawabulake

.HandrespondentcardA.2

7

Donotreadout.

Wha

tisyour

favouri

tedrin

k/Nikinywajiganiunapendasana?

________________________________________________________________________________________

Wha

tisyour

favouri

teco

lour/Nirangiipiunapendasana?

____________________________

_______________________________________________________________

Wha

tisyour

favouri

tefoo

d/Nichakulakipiukipendachosana?

_______________________________________________________________________________________

1.

Canrea

dan

dun

ders

tan

da

llthequest

ions

2.

Canrea

dbu

tcan

'tun

ders

tan

dtheques

tions

3.

Can

'trea

do

run

ders

tan

da

lltheques

tions

B.

ACCESSTO

AMENITIES

Iamnowgoingtoaskyousomequestionsaboutyouraccesstolocalservices./

Sasanitakuulizamaswalikuhusuvileunavyowezakupatahudumahizi.

Onlyaskpartsbandcofeachquestionifrespondentanswerswithcodes-1to-6inparta.

Readoutresponses.

Singlemention

foreachquestion.

B.1

Ifyou

ha

dtogo

totheneares

tban

k,

/Kamaunatakakuendakwabenkiiliyokaribu,

a)

Howwou

ldyouge

tthere

?/Utafika

jehuko?

b)

How

longwou

ldittakeyou

toget

there

,ifyou

didno

tcom

bine

the

tripw

ithanyo

therac

tiv

ities?/Itakuchukuamudaupiukiendamojakwamoja?

c)

Howmuc

hwou

lditcos

ttoge

tthe

rebypu

blictransport

?/Itakugharimupesangapikwausafiriwaumma?

B.2

Ifyou

ha

dtogo

totheneares

tPost

Office

,/Kamaunatakakuendakwenyepostailiyokaribu,

a)

Howwou

ldyouge

tthere

?/Utafika

jehuko?

b)

How

longwou

ldittakeyou

toget

there

,ifyou

didno

tcom

bine

the

tripw

ithanyo

therac

tivities?

/Itakuchukuamudaupiukiendamojakwamoja?

c)

Howmuc

hwou

lditcos

ttoge

tthere

bypu

blictransport

?/Itakugharimupesangapikwausafiri

waumma?

B.3

Ifyou

ha

dtogo

totheneares

thosp

ita

l/Kamaunatakakwendakwahospitaliiliyokaribu,

a)

Howwou

ldyouge

tthere

?/Utafika

jehuko?

b)

How

longwou

ldittakeyou

toge

tthere

,ifyou

didno

tcom

bine

the

tripw

ithanyo

therac

tivities

?/Itakuchukuamudaupiukiendamojakwamoja?

c)

Howmuc

hwou

lditcos

ttoge

tthe

rebypu

blictransport


B.4

Ifyou

ha

dtogo

totheneares

tsec

on

darysc

hoo

l,/Kamaunatakakwendakwenyeshuleyaupiliiliyokokaribu,

a)

Howwou

ldyouge

tthere

?/Utafika

jehuko?

b)

How

longwou

ldittakeyou

toget

there

,ifyou

didno

tcom

bine

the

tripw

ithanyo

therac

tiv

ities

?/Itakuchukuamudaupiukiendamojakwamoja?

c)

Howmuc

hwou

lditcost

toge

ttherean

dbac

kbypu

blictransport


CONT>>>>>>>

Survey:90109

Page:9

TheSteadma

nGroup


34/76

B1.

1.

Wa

lka

lltheway/Nitatembea.

..................................................................................................................................................

2.

Ownmo

torve

hicle/Nitatumiag

arilangu

...................................................................................................................................

3.

Own

transporto

ther

thanmotor

ve

hiclesuc

has

bicyc

le,

mo

torcycle

,oxcarte

tc/Nitatumiab

aisikeli,pikipiki

...........................

4.

Pu

blictransport-

busor

taxi

/N

itatumiamatatu/taxi..

................................................................................................................

5.

Pu

blictransport-

bicyc

le/mo

torcyc

le/Nitatumiabodaboda/pikipiki..

...........................................................................................

6.

Othermo

torve

hicle

-freeorno

tpa

idfor/Kusaidiwa/kupewalift..

.............................................................................................

7.

Other_

____________________

________________________________________________

____________

8.

You

don

'tknoww

here

theneares

tfac

ilityis(Don'tread)..........................................................................................................

IFOPTION8INANYGOTO

THENEXTFACILITYTYPE

B2.

1.

Un

der

10m

inu

tes

/Chiniyadakika10.........................................................................................................................................

2.

Abou

t10to30m

inu

tes/Karibu

dakika10hadi30......................................................................................................................

3.

Abou

t30m

inu

tes

to1hour/Ka

ribunususaahadilisaamoja....................................................................................................

4.

Abou

t2hours/Karibumasaam

awili...........................................................................................................................................

5.

Abou


atatu.

.........................................................................................................................................

6.

Abou


anne..........................................................................................................................................

7.

Abou


atano

.....................................................................................

...................................................

8.

Abou

t6hours

/Karibumasaas

ita...............................................................................................................................................

9.

7hoursormore/Zaidiyamasa

asaba

........................................................................................................................................

B3.

1.

Closeenoug

htowa

lk-

noneed

tospen

dmoney

/Nikaribu,nawezatembea-hakunahajayakutumiapesa.............................

2.

Less

than

Ks

h50/Chiniyashilingihamsini

..................................................................................................................................

3.

Abou

tKSh51

-100/Shilingiham

sininamojahadimia

.................................................................................................................

4.

Abou

tKSh101

-200/Shilingim

ianamojahadimiambili.

..........................................................................................................

5.

Abou

tKSh201

-500/shilingim

iambilinamojahadimiatano

...............................................

.....................................................

6.

More

than

KSh500/Zaidiyashilingimiatano

.............................................................................................................................

7.

Don

'tknow

/Sijui..

..........................................................................................................................................................................

Survey:90109

Page:10

TheSteadma

nGroup

B1To

B2.

To

B4.

Secondary

thebank

postoffice

school

B3.

Tohospital


35/76

C1.

Many

house

ho

lds

face

financ

ialris

ks.

Iw

illrea

dyousevera

lthings

tha

tcou

ldma

kea

differenceon

the

financeso

fa

house

ho

ld.

Wha

tare

the

things

tha

tcouldhaveanegativeimpactonyour

household'sfinances

?/Nyumbanyingihuwanamatatizozakifedha.Nitasomamambokadhayanayowezakuletatofautikatikamapatoyanyumba.N

iganik

atiyahizizinawezakuletamadharakwa

mapatoyanyumbahii?Readout.M

ULTIPLEmentionspossible.

C.2.

Whichdoyou

thinkw

illma

ke

thebig

gestdiference

toyour

house

ho

ld'sfinances

?/Niganikatiyahiziinayowezakusababishatofautikubwazaidikwamapatoyanyumbahii?

Readout.SINGLEmention.

1.

Floo

ddes

troys

houseorproperty/uharibifuwanyumba/malikupitiamafuriko...............................................................................................

2.

The

ft,

fireor

losso

fhouse

/property/bu

siness

/Uharibifuaukupotezanyumba/mali/biasharakupitiawizi,moto..............................................

3.

The

ft,

fireor

losso

fcar/ve

hicle/Wizi,

motoaukupotezagari.

........................................................................................................................

4.

Droug

ht/fam

ine/Ukame.

.................................................................................................................................................................................

5.

Losso

fincomeo

fma

inwage-e

arner

/Kupoteakwamshaharawamkuuwanyumba....................................................................................

6.

Losso

fincomeo

fa

fam

ilymem

berliv

ingou

tside

the

house

ho

ld/Kupoteakwamshaharawamtuw

afamiliaasiyeishinyumbanihapa.......

7.

Increaseo

fcos

tso

fbasic

thingsyoun

ee

d/Kuongezekakwabeiyabidhaamuhimu.

...................................................................................

8.

Losso

ffam

ilylan

d/Kupotezashambalafamilia.

...........................................................................................................................................

9.

Losso

flivestoc

k/Kupoteakwamifugo............................................................................................................................................................

10

.Losso

fsav

ings

/Kupotezaakiba....................................................................................................................................................................

11

.Ba

dor

de

teriora

tingpo

litica

ls

itua

tion

incoun

try/Siasambayaaudunikwenyenchi.....................................................................................

12

.Insecuri

ty-

concern

foryourpersonal

sa

fety/Ukosefuwausalama...............................................................................................................

13

.Largeme

dica

lcos

tsdue

tofam

ilymem

ber's

illhea

lth/Pesazahospitalinimingikutokananaugonjwakwafamilia.....................................

C.

BIGGESTRISK

S

14

.Other

(SPECIFY)/Nyingine(Eleza)

___________________________

_______________________________________________________________

15

.None

.................................................................................................................................................................................................................

C.3.

Wha

twou

ldyou

do

toma

keen

dsme

etifthe

biggestris

k(whichyousaywou

ldbe

.

BIGGESTRISK...)

happene

dtoyouoryour

house

ho

ld?/Utafanyajekutatuamadharahayakamahatarihiyo

kubwazaidiuliyosemani.......(

Tajah

atarikubwazaidikwaC2)ingefanyikakwakoaukwanyumbayako?Readout.Singlemention.

1

.Useupyoursavings

/Tumiapesayaak

iba

6

.Se

llyourasse

tsegcar,

bus

iness

,house

ho

ldgoo

ds

,lives

toc

k/Kuuzavitukamagari,biashara,b

idhaazanyumbanimifugo

2.

Borrowmoney

/Kukopapesa

7

.Depen

don

chari

tyfromc

hurc

h,

mosque

,Re

dCross/Kutegemeamsaada

kanisani,m

sikitini,shirikalamsalabamwekundu

3.

As

kfam

ilymem

bers

tohe

lp/Kuombam

saadakutokakwajamii

8

.There

'snot

hing

Ican

do/Hakunaninachowezakufanya

4.

Ca

llon

insurancepo

licy,

ifitapp

lies

/Kupigiawatuwabima,k

amawanabima

9.

Don

'tknow

(DONOTREADOUT)

5.

Finda

be

tter

job/additiona

ljobs

/Kutafu

takazinzuri/zakuongezea

10

.Re

fuse

dtoanswer

Survey:90109

Page:11

TheSteadma

nGroup

C2.

C1.Risk

Biggestrisk


36/76

D.

FINANCIALLITERACY

Askall:

Iamnowgo

ing

toas

kyousomeques

tionsa

bou

tyourexperiencesw

ithmoneyan

dfinances

.Thisstud

yisloo

kinga

tthe

financ

ialliveso

fpeop

leinKenyaan

ditisvery

importan

ttoge

tanun

ders

tan

dingo

fw

ha

t

you

thinka

bou

tthe

follow

ing

things.

/Sasanitakuulizamaswalikuhusuunavyofahamumaswalayapesanafedha.MahojianohayanikuhusumaishayakifedhayaWakenya,n

ani

muhimutujuejinsiunavyofikiriakuhusumamboyafuatayo.

D.1.

Indifferen

thouse

ho

lds

,differen

tpeop

lema

kethe

dec

isionsa

bou

tfinances

.Please

tellmew

hois

respons

ibleforyour

house

ho

ld'sfinanc

ialdec

isions

.By

this

Imean

decis

ions

inc

luding

thepurc

has

ingo

f

goo

dsan

dserv

ices

for

the

house

hold

an

dhowan

dw

here

tosavean

dspen

dmoney.

/Katikanyumbatofauti,watutofautihuamuakuhusufedha.Je,n

iambienanikatikanyumbayakohuamuamambo

yakifedha,kwamfanoununuziwabid

haamuhimuzanyumbanamahalipakuwekaakibanakutumiapesa.

Readout.Singlementiononly.

YOUAREINVOLVEDINTHEDECISIO

N-MAKINGFORTHEHOUSEHOLD

1.

Youa

lone/Wewepekeeyako

2.

Youan

dyour

hus

ban

dorw

ifeorpartne

ron

ly/Wewenamme/mkewakoauunayekaanaye

3.

Youan

dyour

imme

diatefam

ily(parents

,hus

ban

dorw

ifean

dc

hildren

)on

ly/Wewenajamiiyakoya

karibupekee[Wazazi,Mme/mkenawatoto]pekee

4.

Youan

dyourex

ten

de

dfam

ily(parents,

hus

ban

dorw

ife

,c

hildren

,aun

ts,

unc

lesan

dcous

ins)

/Wewenajamiiyakokubwa[wazazi,mme/mke,w

atoto,shangazi,

mjomba,b

inamu/bintiamu.]

YOUARENOTINVOLVEDINTHEDE

CISION-MAKINGFORTHEHOUSEHOLD

5.

Your

hus

ban

dorw

ifeorpartnerma

kes

the

dec

ision/Mume/mkewako

6.

Yourparen

tsoro

there

lders

inthe

fami

lyma

ke

the

dec

ision

/Wazaziwakoamawakubwawenginek

atikajamii

7.

Yourc

hildrenma

ke

the

dec

ision/Watotowako

8.

Others

(no

tlisteda

bove

)ma

ke

thisdecision

/Wenginewowoteambaohawajatajwahapa

Survey:90109

Page:12

TheSteadmanGroup


37/76

D.2.

Therearemanywordsuse

dinKenya

tha

tapp

lyto

,orconcern

,financ

ialserv

ices

.Please

tellme

whicho

fthe

follow

ingbestdescribesyourexperiencewit

heac

hwordorp

hrase

.USEENGLISHOR

SWAHILIONLYFORTHESEWORDS

.DO

NOTTRANSLATEINTOTHEVERNACULAR

.

/KunamatamshimengihutumiwaK

enyakuhusiananahudumazakifedha.Tafadhaliniambiega

nikatiyahiziinaelezavileweweunafahamukilaneno.

HandrespondentcardD.2.

Readouteachword/phrase.

Singlementionp

erword/phrase.

Rotateorderofreadingoutandmarkstartingpointwithanasterisk(*).

1.

Sav

ingsaccoun

t/Akauntiyaakiba.................................

2.

Insurance/Bima............................................................

3.

Interes

t/Riba.................................................................

4.

Shares/Hisa..................................................................

5.

Cheque/Cheki...............................................................

6.

Co

llatera

l/Dhamana......................................................

7.

ATMcard/KadiyaATM.................................................

8.

Cre

ditcard/Kadiyakukopesha.....................................

9.

Bu

dge

t/Bajeti.................................................................

10

.Inves

tmen

t/Uwekezaji.................................................

11

.Infla

tion

/Mfumukowabei............................................

12

.Leas

ing/Kukodisha.......................................................

13

.Pens

ion/Malipobaadayakustaafu.............................

14

.Mortgage/Ununuziwanyumba...................................

15

.Pyram

idsc

heme

..........................................................

16

.Cre

ditbureau

......................................

.........................

Survey:90109

Page:13

TheSteadma

nGroup

Neverheardof

Heardthiswordorphrase

but

Heardofthiswordorphrase

thiswordorphrase

don'tknowwhatitmeans

knowwhatitmeans

Nimesikianenohilinaninajuamaanayake

Sijawaikusikianenohili

Nimesikianenohililakinisijuimaanayake


38/76

D.3

Whicho

fthe

follow

ingnames

for

financ

ialprov

iders

haveyouever

heardo

f?/Nimajinaganikatiy

ayafuatayoyawatoahudumazapesaumewahikusikia?

Readout.Singlementiononly.

1.

Pos

tBan

k........................................................................................................................

2.

M-P

ESA

.........................................................................................................................

3.

SACCO

...........................................................................................................................

4.

Chamaor

ROSCA

.........................................................................................................

5.

NSSF

..............................................................................................................................

6.

NHIF

...............................................................................................................................

7Na

iro

biStoc

kExc

hange/Sokolahisala

Nairobi..............................................................

D.4.

Iwan

tyou

tothinkbac

ktothe

las

ttim

eyounee

de

dfinanc

ialadv

ice

.Whenwas

this?/Ninatakau

fikiriewakatiwamwishoulipohitajiushauriwakifedha.Nilini?

RecordinMONTHS.

Enter00iflessthanamonthago.(

Record99ifneverneededadvicea

ndGO

TOD7)

D.5.

Who

/w

here

didyougo

to,

the

lasttimeyounee

de

dfinanc

iala

dvice

?/Ninani/niwapiuliendaku

pataushauri?Donotprompt.Singlementiononly.

1.

Ban

k/Benki

2.

Insurancecompany/Kampuniyabima

3.

SACCO/Muunganowaushirika

4.

Agricu

ltura

lco-o

pera

tive

/Muun

ganowaushirikawakilimo

5.

Churc

hormosque

/Kanisaaumsikiti

6.

Emp

loyer/Muajiri

7.

Frien

ds

/fam

ily/Marafiki/Jamii

8.

Other

(SPECIFY)_

______________________________________________________________________________________________

9.

Didno

tgoanyw

here

for

he

lp/S

ikuendapopotekwausaidizi

10

.Can

tremem

ber(Donotread

out)

IF-09or-10,

GOTOD7.

Survey:90109

Page:14

TheSteadma

nGroup

Neverheardof

Heardthiswordorphrasebut

Heardo

fthiswordorphrase

thiswordorphrase

don'tknowwhatitmea

Documents

FinAccess Report 09