Kenya KE: Bank Account Ownership at a Financial Institution or with a Mobile-Money-Service Provider: % of Population Aged 15-24 data was reported at 76.021 % in 2017. This records an increase from the previous number of 66.357 % for 2014. Kenya KE: Bank Account Ownership at a Financial Institution or with a Mobile-Money-Service Provider: % of Population Aged 15-24 data is updated yearly, averaging 66.357 % from Dec 2011 (Median) to 2017, with 3 observations. The data reached an all-time high of 76.021 % in 2017 and a record low of 40.272 % in 2011. Kenya KE: Bank Account Ownership at a Financial Institution or with a Mobile-Money-Service Provider: % of Population Aged 15-24 data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Kenya – Table KE.World Bank.WDI: Bank Account Ownership. Account denotes the percentage of respondents who report having an account (by themselves or together with someone else) at a bank or another type of financial institution or report personally using a mobile money service in the past 12 months (young adults, % of population ages 15-24).; ; Demirguc-Kunt et al., 2018, Global Financial Inclusion Database, World Bank.; Weighted average; Each economy is classified based on the classification of World Bank Group's fiscal year 2018 (July 1, 2017-June 30, 2018).

In March 2021, over ** percent of micro and small enterprises in Kenya used mobile money for business transactions. The share slightly increased from ** percent in February 2020. A huge shift in the use of mobile money by small businesses was measured, however, between 2018 and 2020, even before the coronavirus (COVID-19) pandemic. In November 2018, only ** percent of micro and small enterprises used mobile payments in Kenya.

This secondary data set contains the transaction volumes of key electronic payment methods in Kenya (mobile money, real time gross settlement system, electronic file transfer, point of sale and debit cards). The data is extracted directly from the Central Bank of Kenya's website (https://www.centralbank.go.ke/).

Abstract

The fourth edition of the Global Findex offers a lens into how people accessed and used financial services during the COVID-19 pandemic, when mobility restrictions and health policies drove increased demand for digital services of all kinds.

The Global Findex is the world's most comprehensive database on financial inclusion. It is also the only global demand-side data source allowing for global and regional cross-country analysis to provide a rigorous and multidimensional picture of how adults save, borrow, make payments, and manage financial risks. Global Findex 2021 data were collected from national representative surveys of about 128,000 adults in more than 120 economies. The latest edition follows the 2011, 2014, and 2017 editions, and it includes a number of new series measuring financial health and resilience and contains more granular data on digital payment adoption, including merchant and government payments.

The Global Findex is an indispensable resource for financial service practitioners, policy makers, researchers, and development professionals.

Geographic coverage

National coverage

Analysis unit

Individual

Kind of data

Observation data/ratings [obs]

Sampling procedure

In most developing economies, Global Findex data have traditionally been collected through face-to-face interviews. Surveys are conducted face-to-face in economies where telephone coverage represents less than 80 percent of the population or where in-person surveying is the customary methodology. However, because of ongoing COVID-19 related mobility restrictions, face-to-face interviewing was not possible in some of these economies in 2021. Phone-based surveys were therefore conducted in 67 economies that had been surveyed face-to-face in 2017. These 67 economies were selected for inclusion based on population size, phone penetration rate, COVID-19 infection rates, and the feasibility of executing phone-based methods where Gallup would otherwise conduct face-to-face data collection, while complying with all government-issued guidance throughout the interviewing process. Gallup takes both mobile phone and landline ownership into consideration. According to Gallup World Poll 2019 data, when face-to-face surveys were last carried out in these economies, at least 80 percent of adults in almost all of them reported mobile phone ownership. All samples are probability-based and nationally representative of the resident adult population. Phone surveys were not a viable option in 17 economies that had been part of previous Global Findex surveys, however, because of low mobile phone ownership and surveying restrictions. Data for these economies will be collected in 2022 and released in 2023.

In economies where face-to-face surveys are conducted, the first stage of sampling is the identification of primary sampling units. These units are stratified by population size, geography, or both, and clustering is achieved through one or more stages of sampling. Where population information is available, sample selection is based on probabilities proportional to population size; otherwise, simple random sampling is used. Random route procedures are used to select sampled households. Unless an outright refusal occurs, interviewers make up to three attempts to survey the sampled household. To increase the probability of contact and completion, attempts are made at different times of the day and, where possible, on different days. If an interview cannot be obtained at the initial sampled household, a simple substitution method is used. Respondents are randomly selected within the selected households. Each eligible household member is listed, and the hand-held survey device randomly selects the household member to be interviewed. For paper surveys, the Kish grid method is used to select the respondent. In economies where cultural restrictions dictate gender matching, respondents are randomly selected from among all eligible adults of the interviewer's gender.

In traditionally phone-based economies, respondent selection follows the same procedure as in previous years, using random digit dialing or a nationally representative list of phone numbers. In most economies where mobile phone and landline penetration is high, a dual sampling frame is used.

The same respondent selection procedure is applied to the new phone-based economies. Dual frame (landline and mobile phone) random digital dialing is used where landline presence and use are 20 percent or higher based on historical Gallup estimates. Mobile phone random digital dialing is used in economies with limited to no landline presence (less than 20 percent).

For landline respondents in economies where mobile phone or landline penetration is 80 percent or higher, random selection of respondents is achieved by using either the latest birthday or household enumeration method. For mobile phone respondents in these economies or in economies where mobile phone or landline penetration is less than 80 percent, no further selection is performed. At least three attempts are made to reach a person in each household, spread over different days and times of day.

Sample size for Kenya is 1000.

Mode of data collection

Face-to-face [f2f]

Research instrument

Questionnaires are available on the website.

Sampling error estimates

Estimates of standard errors (which account for sampling error) vary by country and indicator. For country-specific margins of error, please refer to the Methodology section and corresponding table in Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar. 2022. The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19. Washington, DC: World Bank.

Kenya KE: Bank Account Ownership at a Financial Institution or with a Mobile-Money-Service Provider: Primary Education Or Less: % of Population Aged 15+ data was reported at 67.408 % in 2017. This records an increase from the previous number of 64.166 % for 2014. Kenya KE: Bank Account Ownership at a Financial Institution or with a Mobile-Money-Service Provider: Primary Education Or Less: % of Population Aged 15+ data is updated yearly, averaging 64.166 % from Dec 2011 (Median) to 2017, with 3 observations. The data reached an all-time high of 67.408 % in 2017 and a record low of 19.436 % in 2011. Kenya KE: Bank Account Ownership at a Financial Institution or with a Mobile-Money-Service Provider: Primary Education Or Less: % of Population Aged 15+ data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Kenya – Table KE.World Bank.WDI: Bank Account Ownership. Account denotes the percentage of respondents who report having an account (by themselves or together with someone else) at a bank or another type of financial institution or report personally using a mobile money service in the past 12 months (primary education or less, % of population ages 15+).; ; Demirguc-Kunt et al., 2018, Global Financial Inclusion Database, World Bank.; Weighted average; Each economy is classified based on the classification of World Bank Group's fiscal year 2018 (July 1, 2017-June 30, 2018).

This file contains the Stata codes for the replication study, “Risk Sharing and Transaction Costs: A Replication Study of Evidence from Kenya's Mobile Money Revolution .” These Stata codes were used to produce tables and figures included in the replication paper. The paper was funded by 3ie’s Replication Window, supported by the Bill and Melinda Gates Foundation. Go to http://dx.doi.org/10.1257/aer.104.1.183 to visit the original article’s page for additional materials and author disclosure statement(s). To access to the four rounds of survey data conducted by Professors Tavneet Suri and William Jack go to https://dataverse.harvard.edu/dataverse/mobilemoney. Please direct any comments or queries to the corresponding author, Nazila Alinaghi at nazila.alinaghi@vuw.ac.nz .

Abstract

Financial inclusion is critical in reducing poverty and achieving inclusive economic growth. When people can participate in the financial system, they are better able to start and expand businesses, invest in their children’s education, and absorb financial shocks. Yet prior to 2011, little was known about the extent of financial inclusion and the degree to which such groups as the poor, women, and rural residents were excluded from formal financial systems.

By collecting detailed indicators about how adults around the world manage their day-to-day finances, the Global Findex allows policy makers, researchers, businesses, and development practitioners to track how the use of financial services has changed over time. The database can also be used to identify gaps in access to the formal financial system and design policies to expand financial inclusion.

Geographic coverage

National Coverage

Analysis unit

Individual

Universe

The target population is the civilian, non-institutionalized population 15 years and above.

Kind of data

Sample survey data [ssd]

Frequency of data collection

Triennial

Sampling procedure

As in the first edition, the indicators in the 2014 Global Findex are drawn from survey data covering almost 150,000 people in more than 140 economies-representing more than 97 percent of the world's population. The survey was carried out over the 2014 calendar year by Gallup, Inc. as part of its Gallup World Poll, which since 2005 has continually conducted surveys of approximately 1,000 people in each of more than 160 economies and in over 140 languages, using randomly selected, nationally representative samples. The target population is the entire civilian, noninstitutionalized population age 15 and above. The set of indicators will be collected again in 2017.

Surveys are conducted face to face in economies where telephone coverage represents less than 80 percent of the population or is the customary methodology. In most economies the fieldwork is completed in two to four weeks. In economies where face-to-face surveys are conducted, the first stage of sampling is the identification of primary sampling units. These units are stratified by population size, geography, or both, and clustering is achieved through one or more stages of sampling. Where population information is available, sample selection is based on probabilities proportional to population size; otherwise, simple random sampling is used. Random route procedures are used to select sampled households. Unless an outright refusal occurs, interviewers make up to three attempts to survey the sampled household. To increase the probability of contact and completion, attempts are made at different times of the day and, where possible, on different days. If an interview cannot be obtained at the initial sampled household, a simple substitution method is used. Respondents are randomly selected within the selected households by means of the Kish grid. In economies where cultural restrictions dictate gender matching, respondents are randomly selected through the Kish grid from among all eligible adults of the interviewer's gender.

In economies where telephone interviewing is employed, random digit dialing or a nationally representative list of phone numbers is used. In most economies where cell phone penetration is high, a dual sampling frame is used. Random selection of respondents is achieved by using either the latest birthday or Kish grid method. At least three attempts are made to reach a person in each household, spread over different days and times of day.

The sample size in Kenya was 1,000 individuals.

Mode of data collection

Computer Assisted Personal Interview [capi]

Research instrument

The questionnaire was designed by the World Bank, in conjunction with a Technical Advisory Board composed of leading academics, practitioners, and policy makers in the field of financial inclusion. The Bill and Melinda Gates Foundation and Gallup Inc. also provided valuable input. The questionnaire was piloted in multiple countries, using focus groups, cognitive interviews, and field testing. The questionnaire is available in 142 languages upon request.

Questions on cash withdrawals, saving using an informal savings club or person outside the family, domestic remittances, school fees, and agricultural payments are only asked in developing economies and few other selected countries. The question on mobile money accounts was only asked in economies that were part of the Mobile Money for the Unbanked (MMU) database of the GSMA at the time the interviews were being held.

Sampling error estimates

Estimates of standard errors (which account for sampling error) vary by country and indicator. For country-specific margins of error, please refer to the Methodology section and corresponding table in Asli Demirguc-Kunt, Leora Klapper, Dorothe Singer, and Peter Van Oudheusden, “The Global Findex Database 2014: Measuring Financial Inclusion around the World.” Policy Research Working Paper 7255, World Bank, Washington, D.C.

The data underlying FSP Maps Kenya (fspmaps.org) are a set of coordinates pin-pointing the location of commercial bank branches, ATMs, MFIs, SACCOs, PostBanks, Forex Bureaus, Mobile Money agents and a host of other financial access points. The dataset made available here contains the latitude and longitude coordinates of all financial access points by type collected in November of 2013.

Kenya KE: Bank Account Ownership at a Financial Institution or with a Mobile-Money-Service Provider: Poorest 40%: % of Population Aged 15+ data was reported at 70.453 % in 2017. This records an increase from the previous number of 63.169 % for 2014. Kenya KE: Bank Account Ownership at a Financial Institution or with a Mobile-Money-Service Provider: Poorest 40%: % of Population Aged 15+ data is updated yearly, averaging 63.169 % from Dec 2011 (Median) to 2017, with 3 observations. The data reached an all-time high of 70.453 % in 2017 and a record low of 19.435 % in 2011. Kenya KE: Bank Account Ownership at a Financial Institution or with a Mobile-Money-Service Provider: Poorest 40%: % of Population Aged 15+ data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Kenya – Table KE.World Bank.WDI: Bank Account Ownership. Account denotes the percentage of respondents who report having an account (by themselves or together with someone else) at a bank or another type of financial institution or report personally using a mobile money service in the past 12 months (poorest 40%, share of population ages 15+).; ; Demirguc-Kunt et al., 2018, Global Financial Inclusion Database, World Bank.; Weighted average; Each economy is classified based on the classification of World Bank Group's fiscal year 2018 (July 1, 2017-June 30, 2018).

Abstract

Research ICT Africa (RIA) is a non-profit, public interest, research entity which undertakes research on how information and communication technologies are being accessed and used in African countries. The aim is to measure the impact on lifestyles and livelihoods of people and households and to understand how informal businesses can prosper through the use of ICTs. This research can facilitate informed policy-making for improved access, use and application of ICT for social development and economic growth. RIA collects both supply-side and demand-side data. On the demand-side nationally representative surveys are conducted on ICT use and demand in African countries. This survey dataset consists of data collected by household and business surveys conducted in 9 African countries in 2017 and 2018.

Geographic coverage

National coverage, the survey was conducted in Botswana, Cameroon, Ethiopia, Ghana, Kenya, Mozambique, Namibia, Nigeria, Rwanda, South Africa, Tanzania, Uganda, and Tunisia.

Analysis unit

Households and individuals

Universe

The data is nationally representative on a household and individual level for individuals 16 years of age or older.

Kind of data

Sample survey data [ssd]

Sampling procedure

The random sampling was performed in four steps for households and businesses, and five steps for individuals. • Step 1: The national census sample frames was split into urban and rural Enumerator areas (EAs). • Step 2: EAs were sampled for each stratum using probability proportional to size (PPS). • Step 3: For each EA two listings were compiled, one for households and one for businesses. The listings serve as sample frame for the simple random sections. • Step 4: 24 Households and 10 businesses were sampled using simple random sample for each selected EA. • Step 5: From all household members 15 years or older or visitors staying the night at the house one was randomly selected based on simple random sampling.

Mode of data collection

Face-to-face [f2f]

Research instrument

The survey questionnaire consisted of 16 modules. - Admin (enumerator completes it before Interviewing the Household) - Household Roster, list all household members 15 years or older - Household Roster, list all household members 14 years or younger - Household Attributes - Demographic Information - Income and Expenditure - Social Activities - Mobile Phone - No Mobile Phone - Mobile Money - Internet - No Internet Use - Social Media - No Social Media - Micro work - Household Attributes of Visitor

Abstract

The 2015/16 Kenya Integrated Household Budget Survey (KIHBS) was conducted over a 12-month period to obtain up-to-date data on a range of socioeconomic indicators used to monitor the implementation of development initiatives. The Survey collected data on household characteristics, housing conditions, education, general health characteristics, nutrition, household income and credit, household transfers, information communication technology, domestic tourism, shocks to household welfare and access to justice. The findings are presented at national, county, rural and urban domains.

Household Characteristics The findings of the 2015/16 KIHBS basic characteristics of the population show that the sex ratio is 97.5. About 70 per cent of households were headed by males and the reported average household size was 4 members. The age dependency ratio declined to 81.6 per cent in 2015/16 KIHBS as compared to 84.0 per cent recorded in 2005/06 KIHBS. Majority (54.4%) of the population aged 18 years and above are in monogamous unions. At the national level, 8.4 per cent of children were orphans.

Housing Conditions and amenities Information regarding housing conditions and ownership, access to water, energy, sanitation and waste disposal was collected in the 2015/16 KIHBS. Bungalow was the most common dwelling type of housing occupied by 55.4 per cent of the households. About 60 per cent of households reported that they owned the dwellings that they resided in. The findings show that 72.6 per cent of households use improved drinking water sources. The statistics show that six out ten households had access to improved human waste disposal methods. Overall, 41.4 per cent of households were connected to electricity from the main grid.

Education Findings on education are presented for; pre-primary, primary, secondary, middle level college and university levels; and informal education, Madrassa/Duksi. Nationally, 89.4 per cent of the population aged three years and above had ever attended school. The overall Gross Attendance (GAR) for pre-primary, primary and secondary levels was 94.4 per cent, 107.2 per cent and 66.2 per cent, respectively. The population aged 3 years and above that did not have any educational qualification was 49.7 per cent. Most of the population aged 3 years and above that had not attended school cited not being allowed to attend by parent(s) as the reason for non-attendance. The proportion of the population aged 15-24 years that was literate, based on respondents' self -assessment, was 88.3 per cent.

General Health Characteristics General health characteristics discussed in the report comprise: morbidity by sex, health seeking behaviour, utilization of health care services and facilities, disability and engagement in economic activities and health insurance coverage. Information on child survival such as place of delivery, assistance during delivery, immunization and incidences of diarrhoea is also presented. The results show that two out of ten individuals reported a sickness or injury over the four weeks preceding the survey. Majority of the individuals (55.5 %) with a sickness or injury visited a health worker at a health facility for diagnosis. Disabilities were reported by 2.8 per cent of the population. Slightly more than a third of persons with disabilities reported having difficulty in engaging in economic activities. moderately stunted. A higher proportion (32.4%) of children in the rural areas were moderately stunted compared to those in urban areas (24.5%). Overall, 13.0 per cent of children were moderately wasted while 6.7 per cent were moderately underweight. The statistics further indicate that 98.8 per cent of children aged 0-59 months were ever breast fed. The mean length of breastfeeding nationally stood at 16.8 months. Porridge was the most common type of first supplement given to majority (35.9%) of children aged 0-23 months. The survey findings show that eight out of ten children participated in community-based nutritional programmes.

Household Income and Credit Household income is the aggregate earnings of all household members. It includes all forms of income arising from employment, household enterprises, agricultural produce, rent, pension and financial investment. The discussion in this report focuses on income from rent, pension, financial investment and other related incomes. Information is also provided on access and sources of credit. At national level, 7.2 per cent of households reported having received income from rent, pension, financial investment and other related incomes within the 12 months preceding the survey. A third of the households sought credit and over 90 per cent successfully acquired credit.

Household Transfers Transfers constitute income, in cash or in kind, that the household receives without working for it and it augments household income by improving its welfare. Three out of ten households reported having received cash transfers within the 12 months preceding the survey period. The average amount received per household from cash transfers was KSh. 27,097. Majority of households received cash transfers through a family member. Money transfer agents were the preferred mode of transmitting money for most beneficiaries of transfers received from outside Kenya. Over half of the households gave out transfers in kind.

Information and Communication Technology The 2015/16 KIHBS collected information on ICT equipment use and ownership. Findings show that three in every four individuals aged 18 years and above owned a mobile phone with an average number of 1.3 SIM cards per person. The most commonly used ICT equipment is the radio and mobile phone, reported by 79.3 per cent and 68.5 per cent of individuals aged 3 years and above, respectively. The highest proportion (50.3%) of those that did not own a mobile phone cited its high cost as the reason. Urban areas had the highest proportion of population with ownership of a mobile phone. Nairobi City County had the highest proportion of population with a mobile phone while Turkana County had the lowest. The population aged 3 years and above that reported using internet over the last three months preceding the survey was 16.6 per cent. Three in every ten households had internet connectivity and use of internet in mobility was reported as the most common place of use of internet. The internet was used mainly for social networking. No need to use the internet was the most predominant reason for not using the internet reported by 30.1 per cent of those who did not use it.

Domestic Tourism Domestic tourism comprises activities of residents travelling to and staying at least over a night in places outside their usual environment within the country, for not more than 12 months, for leisure, business or other purposes. At national level, 13.4 per cent of individuals reported that they travelled within Kenya in the 3 months preceding the survey. Visiting friends and relatives was reported by the highest proportion (71.1%) of individuals taking trips. Majority of those who took a trip (66.4%) reported that they sponsored themselves. Transport costs accounted for the largest share (38.4%) of expenditure on domestic tourism. Majority of those who did not take a trip reported high cost as a reason.

Shocks to Household Welfare A shock is an event that may trigger a decline in the well-being of an individual, a community, a region, or even a nation. The report presents information on shocks which occurred during the five-year period preceding the survey and had a negative impact on households' economic status or welfare. Three in every five households reported having experienced at least one shock within the five years preceding the survey. A large rise infood prices was reported by the highest proportion (30.1 per cent) of households as a first severe shock. Most households reported that they spent their savings to cope with the shock(s).

Justice The survey sought information from household members on their experiences regarding grievances/disputes, resolution mechanisms, status of grievance/dispute resolution and costs incurred. Majority of households (26.2%) experienced grievances related to succession and inheritance. Approximately seven out of ten households that experienced grievances reported that they were resolved by parties from whom they sought interventions. Lawyers on average received the highest amount of money (KSh 59,849) paid to a primary organization for grievance resolution through a formal channel. Courts accounted for the highest informal costs averaging KSh 6,260 in grievance resolution.

Geographic coverage

The survey covers all the Counties in Kenya based on the following levels National, Urban, Rural and County

Analysis unit

Households Indviduals within Households and Community

Kind of data

Sample survey data [ssd]

Sampling procedure

Design and Sample Selection The second Kenya Integrated Household Budget Survey 2015/16 will be the eighth household budget survey to be conducted in Kenya following those conducted in 1981/82, 1983/84, 1992, 1994, 1997 and 2005/06. The KIHBS 2015/16 is a multi-indicator survey in nature with the main objective of updating the household consumption patterns in all the Counties.

KIHBS 2015/16 is designed to provide estimates for various indicators at the County-level. A total of 50 study domains are envisaged. These are; all the forty-seven (47) counties (Each as a separate domain), urban and rural (each as a separate domain at National level), and lastly the National-level aggregate.

Sampling frame The sampling frame used for KIHBS 2015/16 is the fifth National Sample Survey and Evaluation Program (NASSEP V) master frame developed from the Population and Housing Census (KPHC) conducted in