Resources

Financial Education Blogs

KEFEC BLOGS

https://cfi-blog.org/2012/06/21/structure-for-success-lessons-from-a-kenyan-financial-literacy-teacher/

https://cfi-blog.org/2014/12/18/the-poor-need-inspiration-is-there-room-for-it-in-financial-inclusion/

https://cfi-blog.org/2014/12/11/the-earnings-component-of-financial-capability-experts-exonerated from-ignorance/

https://cfi-blog.org/2014/07/22/a-funeral-and-money-management-lessons-the-poor-can-teach/

https://cfi-blog.org/2014/05/21/beyond-giving-hope-religions-contribution-to-financial-capability/

https://cfi-blog.org/2013/03/25/leveraging-religions-for-financial-capability/

https://cfi-blog.org/2013/03/11/what-makes-someone-financially-included-im-confused/

https://cfi-blog.org/2012/06/20/eager-investors-conflicted-teachers-reluctant-students-the-promises and-pitfalls-of-teaching-financial-literacy/

https://nextbillion.net/liquidity-farming/

https://nextbillion.net/everyday-financial-alchemy/

http://blog.imtfi.uci.edu/2013/02/a-lot-of-hope-and-some-hiccups-with-m.html

FINANCIAL INCLUSION BLOGS SITES

Financial Education Resource Centers

FINANCIAL INCLUSION RESEARCH MATERIALS HUBS

  • Kenya Financial Diaries-www.FSDkenya.org/The Kenya Financial Diaries
  • Kenya Finaccess Household Survey- FSD.org/publications/finaccess2016
  • Financial Sector Deepening(FSD)-Publications-www.FSDkenya.org/publications
  • Financial Inclusion Reports-wwwfinclusionlab.com
  • World Bank Group-Financial Inclusion-www.worldbank.org/en/publication/gfdr
  • CGAP-Financial Inclusion-www.cgap.org/Financial-inclusion
  • Innovations For Poverty Action-Financial Inclusion-www.Poverty-action.org/ Financial-Inclusion
  • Centre For Financial Inclusion at ACCION-CFI-www.centreforfinancialinclusion.org
  • Kenya National Bureau Of Statistics/Publications-www.knbs.or.ke/2017 Economic Survey
  • Central Bank Of Kenya/Publications-www.centralbank.go.ke/publications
  • Microfinance Opportunities/Research-www.microfinanceopportunities.org
  • Women World Banking-www.womenworldbanking.org/research
  • MicroSave Kenya/Financial Inclusion-www.microsave.net
  • Bath University-www.bath.ac.uk/sps/staff/Susan-Johnson

 

FINANCIAL INCLUSION PAPERS AND PUBLICATIONS

The papers and publications listed below provide very useful insights in the field of financial capability and inclusion. We, as a resource centre for financial education and inclusion, recommend the reading of these resource materials among others for a thorough grasp of the financial inclusion theme.

  • Customer-Centricity For Financial Inclusion-by TanayaKilara and Elisabeth Rhyne

 

  • What Do Low-income People Know About Money?: An Indigenous Financial Concepts and Practices and Their Implications for Financial Inclusion-By Dr. Susan Johnson, Centre for Development Studies, University of Bath-UK

 

  • Enabling Customer Empowerment, Choice, Use and Voice-by AntoniqueKoning and Monique Cohen

 

  • Finding The Right Job For Your Productby C.M Christensen, Massachusett Institute of Technology, 2007

 

  • A Change in Behaviour: Innovations in Financial Capability-by Julia Arnold and Elisabeth Rhyne

 

  • Financial Literacy: A Step Toward Financial Inclusion-by Monique Cohen and Candace Nelson, 2011 Microcredit Summit Campaign

 

  • Why Digital Accounts Tend To Be Empty-by Ignacio Mas

 

  • Informal Financial Practices and Social Networks :Transaction Genealogies-by Susan Johnson

 

  • Finance and Fortune-by Julie Zollmann and Catherine Wanjala

 

  • Technology Inequality: Opportunities and Challenges for Mobile Financial Services-by CFI-2017

 

  • Financial Capability and The Poor-by Julie Zollmann and Daryl Collins

 

  • Growing Income, Growing inclusion: How Rising Incomes at the Bottom of the Pyramid Will Shape Inclusion-by Sonja Kelly and Elisabeth Rhyne

 

  • Pathways To Smarter Digital Financial Inclusion-by Ignacio Mas and David Porteous

 

  • The Power of Heuristics-by Antoinette Schoar, MIT Sloan School of Management,Sangato Data Ideas 42

 

  • Beyond Financial Inclusion: Financial Health as a Global Framework-by CFI -2017

 

  • The Role of Informal Groups inFinancial Markets: Evidence From Kenya-by Susan Johnson, S. Malkamaki and Nino-Zarazua

 

  • Financial Capability: A Behavioral Economics Perspective, Consumer Research 69, Financial Services Authority

 

  • The Business of Financial Inclusion: Insights From Banks in Emerging Markets-by Tomas Cande, ArpithaBykere and Elisabeth Rhyne

 

  • Capacities To Aspire and Capacities To Save: A Gendered Analysis of Motivations For Liquidity Management-by Susan johnson

 

  • Can Financial Education Change Behavior?-by Monique Cohen and Candace Nelson

 

  • Digitizing The Kaleidoscope of Informal Financial Practices-by Ignacio Mas

 

  • New Microfinance Handbookby Joanna Ledgerwood with Julie Earne and Candace Nelson

 

  • Money Management, Financial Inclusion and Banking the Unbanked-by Elisabeth Rhyne

 

  • Banking The Bottom Billion: Why Financial Inclusion Policy and Why Now-by Sonja Kelly

 

  • Getting on Education In Rural Kenya: Findings Based on Kenya Financial Diaries-by Daryl Collins, Laura Cojocaru and Julie Zollmann

 

  • Building Financial Capability of Savings Group Members in Kenya: by Candace Nelson for FSD/MFO in Consumer Protection Review 2013 Kenya.

 

  • Groups Savings and Loans Associations Gain Efficiency From New Approaches-by Paul Rippey for FSD/CARE

 

  • Smart Saving and Lending: Member Protection in SHG Model-by Smart Campaign

 

  • Financial Exclusion In Kenya: An Analysis of Financial Services Use-by Susan Johnson

 

  • Financial Services For All: It’s About Strategy-by CFI 2016

 

  • Saving as Forward Payment Innovations on Mobile Money Platforms-by Ignacio Mas and Colin Mayer

 

  • Financial Consumer Protection In Kenya: Key Research Findings and Policy Recommendations-by FSD Team

 

  • Know Your Risks and How To Manage Them: A Study Guide Developed by Microfinance Opportunities, Swedish Co-operative Centre and Vi Agroforestry 2009

 

  • The Pursuit of Complete Financial Inclusion: The KGFS Model in India-by BinduAnanth, Gregory Chen and Stephen Rasmussen for CGAP and IFMR Trust, 2012

 

  • Financial Capability In Kenya-by Daryl Collins, Julie Zollmann and Bilha Maina

 

  • Making Mobile Money Daily Relevant-by Ignacio Mas

 

  • Trickling Down And Climbing Up-by Julie Zollmann

 

  • The Island of Stone Money-by Milton Friedman, The Hoover Institution, Stanford University

 

  • Taking Stock: Financial Education Initiatives For The Poor: Microfinance Opportunities, Genesis Analytics and Mastercard Foundation

 

  • Using Broadband to Enhance Financial Inclusion-by Ignacio Mas

 

  • The Fortune of The Bottom of The Pyramid-by CK Prahalad and Stuart L Hart

 

  • Financial Education For The Poor– by Monique Cohen and JenefferSebstad

 

  • Six Secrets of Self Employed-by Julie Zollmann and Paul Gubbins

 

  • Assessing The Outcomes of Financial Education-by JenefferSebstand, Monique Cohen and Kathleen Stack, 2006

 

  • Musings on Money: The What and Why of Billions-by Ignacio Mas and MicroSave

 

  • An Introduction To Child and Youth Finance Education: Developing Quality Finance, Social and livelihoods Education For Children and Youth-by Child & Youth Finance International

 

  • The Search For Inclusion in Kenya’s Finance Landscape: Annex1– Supply Side Survey-by Susan Johnson and Graham Brown

 

  • The Search For Inclusion In Kenya’s Finance Landscape: Annex 2-Demand Side Survey-by Susan Johnson, Graham Brown and Cyril Fouillet

 

  • The Search For Inclusion In Kenya’s financial Landscape: Annex 3-Maps and Visual representations-by Susan Johnson, Graham Brown and Cyril Fouillet

 

  • VISA Financial Literacy: Practical Money Skills- Visa Inc

 

  • Where Are we Now?: Introducing the Financial Diaries Two- year Follow up Study-by Julie Zollmann and Paul Gubbins

 

  • Money Resolutions, a Sketch Book-by Ignacio Mas

 

  • Building Evidence on Financial Capability-by Innovations for Poverty Action (IPA)

 

  • What Happens To Microfinance Clients Who Default: An Exploratory Study of microfinance Practice-by Jami Solli for The Smart Campaign 2015

 

  • Small ‘b” Biashara-by Julie Zollmann

 

  • Market Research for Financial Education-by Candace Nelson

 

  • M-Pesa: Progress and Prospects-by Tony Omwansa and Ignacio Mas

 

  • World Development Report 2015: Mind, Society and Behavior-by World Bank Group.

 

  • The Meaning of Social Entrepreneurship-by Gregory Dee

 

  • A Bucket Short-What Financial Diaries Tell Us About Building Financial Services That Matter To Low-income Women-by Julie Zollmann and Caitlin Sanford

 

  • Post-Project Replication of Savings Groups in Uganda: DATU Research, Data for the big Picture

 

  • The Impact of Microfinance-by Monique Cohen and Deena Burjorjee

 

  • Money resolutions, Digital Simulations, 2015-by Ignacio Mas

 

  • Village Savings and Loans Associations (VSLAs): field Officers’ Guide-by Hugh Allen and Mark Staehle

 

  • Credit on Cusp: Strengthening Credit Markets for Upward Mobility in Africa-by Julie Zollmann

 

  • Mobile Money as Information utility That Touches Everyone: Refining the Vision For financial Inclusion-by Ignacio Mas and Nicholas Sullivan

 

  • Applying Behavioural Economics To improve Micro Saving Outcomes-by Alexandra Fiorillo, Louis Patok and Josh Wright for Ideas 42.

 

  • Kenya Financial Diaries: ShilingiKwaShilingi-The Financial Lives Of The Poor-2014-By Julie Zollmann, Bankable Frontiers Associates (BFA) in collaboration with Digital Divide Data(DDD), for Financial Sector Deepening(FSD),

 

  • Designing To What People Think, Not Just Do: Basing Products Development on Mental Models and Metaphors-by Ignacio Mas

 

  • From Insight to Action: Building Client trust and Confidence in Branchless Banking-by Monique Cohen

 

  • Why You Should Care About Bitcoin: Even If You Don’t Believe In It-by Ignacio Mas

 

  • Searching for Mataphors of Household Financial Management-by Ignacio Mas and MicroSave.

 

  • The Power and utility of Bidding Roscas in the Economic take-off of chulin Village, Taiwan 1970-1990-by Paul Vander Meer