Digital Financial Services

Table of Contents

1DFS use keeps going up
2Same old same old: M-Pesa, Okoa Jahazi and M-Shwari are still king
3DFS Balances
4Questions about learning
5Questions about loans, saving and spending
5.1How have your saving/spending habits changed since our last visit?
5.2What was your reason for taking a loan from DFS?
5.3Why do you save in Digital Financial Services, what are your goals?
5.4What event or problem would make you spend your savings apart from your desired goals?
5.5Do you prefer to borrow from DFS or individuals?
6Perceived gender differences
6.1Rate the following statement: Women save more than men
6.2Rate the following statement: Men borrow more than women
7Questions about usefulness

Insert paragraph here...

DFS Balances

When we look at the balance of what respondents have borrowed and saved in their DFS accounts (not including airtime), we see interesting differences between the groups and gender.

The treatment group has a higher balance than the control group, and males have a higher balance than females. For interview 4 this was exactly the other way around, so we think that this metric is just very volatile. It could very well be that what people save and loan in between each interview varies wildly.

Insert paragraph here...

Questions about learning

When asked about what the respondents learned about DFS, most said they didn't learn anything new, or learned about a specific DFS.
When asked what they learned about saving/spending, most respondents said they didn't learn anything new. They also said they learned about saving in general, and that the more they save, the more they can loan.
Most respondents report having no trouble with DFS, but a small percentage cites Network problems / delays.
When asked what they'd like to learn, many respondents say they would like to learn about another DFS than the one they're using.

These questions are very general, so please have a look at the tables that show a selection of the other answers given to these questions about learning.

There was no big difference between the groups or genders for these questions.

Explore Edit

DFS4: What did you learn about digital financial services since the last visit?: How to buy or sell things online, He has learnt that sending money from Mpesa to M-shwari is free, and sending from Mpesa to Sportspesa is charged some little amount, as little as 5ksh, It saves time, like when am using okoa jahazi I don't have to go to shop to purchase airtime, Mpesa to mshwari transactions and vise verser is free, She learnt about online banking. A friend helped her pay her school fees online., That if one fails to own a loan they will be listed to the CRB, That with airtel money if one has transfered money to your phone from airtel money,it is reversed after 7 days, Their services are reliable,confidential and fast, I have learnt how to pay electricity bill through airtel money, I have known how to buy airtime from mpesa to my airtel simcard .It is a process that I just knew the other day, About how to lipa na mpesa when purchasing goods and has money on his mpesa account especially when making long distance purchases., Being able to get ten percent interest on every amount of money saved through mshwari saving account. or Kcb mpesa is linked to mpesa account, if one doesn't have savings in mpesa, they cannot be allowed a loan on the other.

Respondent	DFS4: What did you learn about digital financial services since the last visit?
DSOKF25	Kcb mpesa is linked to mpesa account, if one doesn't have savings in mpesa, they cannot be allowed a loan on the other.
DSOKF29	How to buy or sell things online
DSOKF33	About how to lipa na mpesa when purchasing goods and has money on his mpesa account especially when making long distance purchases.
DSOKF41	That if one fails to own a loan they will be listed to the CRB
DSOKM03	Being able to get ten percent interest on every amount of money saved through mshwari saving account.
DSOKM08	Their services are reliable,confidential and fast
DSOMB11	I have known how to buy airtime from mpesa to my airtel simcard .It is a process that I just knew the other day
DSOMB19	I have learnt how to pay electricity bill through airtel money
DSOMB37	That with airtel money if one has transfered money to your phone from airtel money,it is reversed after 7 days
DSONB18	It saves time, like when am using okoa jahazi I don't have to go to shop to purchase airtime
DSOVH19	Mpesa to mshwari transactions and vise verser is free
DSOVH22	He has learnt that sending money from Mpesa to M-shwari is free, and sending from Mpesa to Sportspesa is charged some little amount, as little as 5ksh

Explore Edit

DFS5: What did you learn about saving/spending in relation to digital financial services since the last visit?: About spending, he no longer hs to send money to another number (the attendant)when purchasing goods, he uses till number., As for me I only deposit to transact eg like paying bills only, DFS is easier to use interms of transacting argent money, How to buy stock through dfs, He saves less especially on DFS, he usually withdraws whatever is sent to him and stores it in cash., I balance,because everytime I get money I save and if a need arises I withdraw,so with dfs especially mpesa ,I manage have ready money for any case of requirement to use, I have the two simcards ,I diversify my savings and so it is easy to control my expenditures and I only use money where need be, I often buy airtime with dfs but I havent learnt anything new, No restrictions depositing and withdrawing is free and can be done anytime, With saving in dfs I can money anytime I go out of cash They are efficient,I can handle transactions in my house, That there are many online DFS that offers instant loans., That an mshwari account is like a real bank account, one can save, earn interest from the savings and get a loan or She saves cash though of late it has been on cash basis

Respondent	DFS5: What did you learn about saving/spending in relation to digital financial services since the last visit?
DSOKF06	That an mshwari account is like a real bank account, one can save, earn interest from the savings and get a loan
DSOKF33	About spending, he no longer hs to send money to another number (the attendant)when purchasing goods, he uses till number.
DSOKF39	He saves less especially on DFS, he usually withdraws whatever is sent to him and stores it in cash.
DSOKF46	That there are many online DFS that offers instant loans.
DSOMB09	I often buy airtime with dfs but I havent learnt anything new
DSOMB11	I have the two simcards ,I diversify my savings and so it is easy to control my expenditures and I only use money where need be
DSOMB16	I balance,because everytime I get money I save and if a need arises I withdraw,so with dfs especially mpesa ,I manage have ready money for any case of requirement to use
DSOMB33	She saves cash though of late it has been on cash basis
DSOMB45	As for me I only deposit to transact eg like paying bills only
DSONB07	No restrictions depositing and withdrawing is free and can be done anytime
DSOVH03	With saving in dfs I can money anytime I go out of cash They are efficient,I can handle transactions in my house
DSOVH06	How to buy stock through dfs
DSOVH24	DFS is easier to use interms of transacting argent money

Explore Edit

DFS6: What kind of trouble have you been having with digital financial services since the last visit?: -Charges are too high -Savers are slow -Accounts can be hacked if one knows his passwords, About mshwari ,I have not known how to use it, Airtel money, his pin was rejected and had to change, Buying airtime from mpesa instead of withdrawing money, For okao jahazi, it gets over faster than normal credit use, He couldn't check M-shwari credit limit and was told to visit Safaricom, He has not been able to use mpesa on his phone because he cannot input his mpesa pin due to screen insensitivity. He has to ask for a phone from a friend in order to do any transaction., I dint know that airtel money reverses after 7 days and so it dint succeed, I had an emergency and I wanted to use my savings in lock account but i had to wait for 2 days to get my money, I have not managed open Mshwari, Incase of wrong number transactions and safaricom is notified immediately, the wrong transaction number can be withheld so that no transactions can be made from it until reverse is done, It takes a long channel to get money at hand eg from bank to his mpesa account and then to the agent before getting the money, Sometimes he can forget what he spends his money on. Especially when he uses cash., She wanted to buy airtime via mpesa but was told the transaction was not possible at that time., That she has been saving on mshwari for about a month and a half by now but she still doesn't get any loan. When she requests for a loan, she is referred to the safaricom customer care for assistance on the case. or Was trying to do mobile banking but she couldn't manage and doesn't know why.

Respondent	DFS6: What kind of trouble have you been having with digital financial services since the last visit?
DSOKF09	She wanted to buy airtime via mpesa but was told the transaction was not possible at that time.
DSOKF15	That she has been saving on mshwari for about a month and a half by now but she still doesn't get any loan. When she requests for a loan, she is referred to the safaricom customer care for assistance on the case.
DSOKF39	He has not been able to use mpesa on his phone because he cannot input his mpesa pin due to screen insensitivity. He has to ask for a phone from a friend in order to do any transaction.
DSOKF45	Sometimes he can forget what he spends his money on. Especially when he uses cash.
DSOMB17	I have not managed open Mshwari
DSOMB37	I dint know that airtel money reverses after 7 days and so it dint succeed
DSOMB42	About mshwari ,I have not known how to use it
DSONB05	He couldn't check M-shwari credit limit and was told to visit Safaricom
DSONB09	Was trying to do mobile banking but she couldn't manage and doesn't know why.
DSONB11	I had an emergency and I wanted to use my savings in lock account but i had to wait for 2 days to get my money
DSONB17	Airtel money, his pin was rejected and had to change
DSOVH09	Buying airtime from mpesa instead of withdrawing money
DSOVH13	It takes a long channel to get money at hand eg from bank to his mpesa account and then to the agent before getting the money
DSOVH15	Incase of wrong number transactions and safaricom is notified immediately, the wrong transaction number can be withheld so that no transactions can be made from it until reverse is done
DSOVH26	-Charges are too high -Savers are slow -Accounts can be hacked if one knows his passwords
DSOVH37	For okao jahazi, it gets over faster than normal credit use

Explore Edit

DFS7: What would you like to learn about digital financial services since the last visit?: -How someone can send money through airtel money to someone with airtel money too, About how to pay for goods directly using Mpesa, using paybill number, He wants to know how to get out of dfs loan defaulter list from CRB kenya, How to curb cyber crime activities on DFS, How to avoid chances of my mpesa savings from being hacked, How to reverse wrong transactions from his personal phone, How to save money using mshwari locked saving account well., How to solve mpesa from hunging up, How to withdraw and transact anything to do with airtel money, How to use an alternative way af accessing his DFS accounts in any case there is delay or internet problem, Just wants to work for DFS, Was wondering why shouldn't it be free to make Mpesa transactions from Sportspesa, if one is charged for sending the money, why will he again be charged to withdraw from Sportspesa? Aren't we promoting Safaricom Mpesa too many times?, Whether mshwari and equitel can be used outside kenya or She would like to learn the qualifications for one to access a loan on mshwari

Respondent	DFS7: What would you like to learn about digital financial services since the last visit?
DSOKF03	She would like to learn the qualifications for one to access a loan on mshwari
DSOKF42	About how to pay for goods directly using Mpesa, using paybill number
DSOKM03	How to curb cyber crime activities on DFS
DSOKM17	How to save money using mshwari locked saving account well.
DSOKM36	How to curb cyber crime activities on DFS
DSOMB19	-How someone can send money through airtel money to someone with airtel money too
DSOMB37	How to withdraw and transact anything to do with airtel money
DSONB07	Whether mshwari and equitel can be used outside kenya
DSONB08	Just wants to work for DFS
DSONB11	How to avoid chances of my mpesa savings from being hacked
DSOVH06	He wants to know how to get out of dfs loan defaulter list from CRB kenya
DSOVH09	How to reverse wrong transactions from his personal phone
DSOVH22	Was wondering why shouldn't it be free to make Mpesa transactions from Sportspesa, if one is charged for sending the money, why will he again be charged to withdraw from Sportspesa? Aren't we promoting Safaricom Mpesa too many times?
DSOVH27	How to solve mpesa from hunging up
DSOVH34	How to use an alternative way af accessing his DFS accounts in any case there is delay or internet problem

Explore Edit

DFS15: What was your reason for taking a loan from DFS?: For his personal upkeep, For transport from home to school, For urgent cases, Had no money and his motorcycle had a mechanical problem, He did not have money for personal upkeep and was feeling unwell. He wanted to get some medical services., He wanted to buy football boots, He wanted to see if he could access a loan on online DFS apps, since he couldn't access one on mshwari, She took a Kcb-mpesa loan to buy airtime at a time she had an okoa jahazi debt., She wanted to buy something for her daughter, She wanted transport to go to some place and did not have the money, so she took the loan of 1,800ksh, She was just trying out how much she can get in the first trial, thought she would get 1000 but she started with 2000., She was sick, To add capital and expand my business, To avoid misuse or impulse buying, To boost his second hand clothes business, To buy household items e.g music system, To expand my saloon business, To pay for his daughter's school trip fees or To pay for my children tuition fees.

Respondent	DFS15: What was your reason for taking a loan from DFS?
DSOKF01	She was just trying out how much she can get in the first trial, thought she would get 1000 but she started with 2000.
DSOKF21	She took a Kcb-mpesa loan to buy airtime at a time she had an okoa jahazi debt.
DSOKF23	She wanted transport to go to some place and did not have the money, so she took the loan of 1,800ksh
DSOKF31	Had no money and his motorcycle had a mechanical problem
DSOKF35	He did not have money for personal upkeep and was feeling unwell. He wanted to get some medical services.
DSOKF41	He wanted to see if he could access a loan on online DFS apps, since he couldn't access one on mshwari
DSOKF42	For his personal upkeep
DSOKF45	To pay for his daughter's school trip fees
DSOKM06	To pay for my children tuition fees.
DSOKM08	To buy household items e.g music system
DSOKM20	To add capital and expand my business
DSOKM25	To expand my saloon business
DSOMB09	For urgent cases
DSOVH04	He wanted to buy football boots
DSOVH07	For transport from home to school
DSOVH13	To avoid misuse or impulse buying
DSOVH20	She wanted to buy something for her daughter
DSOVH28	She was sick
DSOVH35	To boost his second hand clothes business

Explore Edit

DFS16: Why do you save in Digital Financial Services, what are your goals?: For development projects, he wants to buy a plot and build a permanent house, In mpesa money stays for any period and I can plan well for what I want to achieve for my aim like buying my house belongings and later have my own, Kcb mpesa-Helps me get my salary in right manner Mshwari-where I have a problem,it helps me get money ready for my problem, Most of the times I deposit to send money, She doesn't have a plan with the money, she is saving in mshwari because if she stays with the money in cash, she might end up using them, She is saving the money to use as pocket money when she joins college next year, She is saving for her child's education in the coming years., She saves in mpesa with an aim of helping his family members., The interest rate on money saved through DFS is high, terms and conditions while applying for loan from DFS are flexible and affordable., To furnish her house., To pay school fees To buy an item, To use money in future or To xover for small issues that may arise

Respondent	DFS16: Why do you save in Digital Financial Services, what are your goals?
DSOKF01	She doesn't have a plan with the money, she is saving in mshwari because if she stays with the money in cash, she might end up using them
DSOKF02	For development projects, he wants to buy a plot and build a permanent house
DSOKF09	To furnish her house.
DSOKF15	She is saving for her child's education in the coming years.
DSOKM24	She saves in mpesa with an aim of helping his family members.
DSOKM37	The interest rate on money saved through DFS is high, terms and conditions while applying for loan from DFS are flexible and affordable.
DSOMB03	Most of the times I deposit to send money
DSOMB18	Kcb mpesa-Helps me get my salary in right manner Mshwari-where I have a problem,it helps me get money ready for my problem
DSOMB39	She is saving the money to use as pocket money when she joins college next year
DSOMB40	In mpesa money stays for any period and I can plan well for what I want to achieve for my aim like buying my house belongings and later have my own
DSOMB46	To xover for small issues that may arise
DSOVH28	To pay school fees To buy an item
DSOVH39	To use money in future

Insert paragraph here...

What event or problem would make you spend your savings apart from your desired goals?

A very large portion of respondents say that apart from using their savings to reach their goals, they would use them when someone they care for gets sick. People also mention school fees, entertainment, and nice things in general. Men say they would use it to take care of a sick person 73% of the time, as opposed to 58% of the women.

There was no big difference between the groups for this question.

Explore Edit

DFS17: What event or problem would make you spend your savings apart from your desired goals?: When her family member is in need of cash urgently, To cater for her personal daily upkeep., To boost her business in case it she runs out of capital., Paying for salon services and buying clothes. Some other times she helps in buying household foodstuff in case her parents are experiencing some ficial constraints., Personal upkeep, In case a friend asks for ficial help from him., If he doesn't have basic needs, Buy a new phone, For his daily expenditures, like if he doesn't earn more than the 300ksh required everyday. He will have to use the money to cater for the day's food, then work towards recovering the used amount in the course of the week., He can withdraw the cash like to go pay for his chama, which helps him alot when he is in need., He spends his money on food and water. or In case she gets a journey and doesn't have money to use.

Respondent	DFS17: What event or problem would make you spend your savings apart from your desired goals?
DSOKF01	In case she gets a journey and doesn't have money to use.
DSOKF15	To boost her business in case it she runs out of capital.
DSOKF29	To cater for her personal daily upkeep.
DSOKF39	He spends his money on food and water.
DSOKF40	Personal upkeep
DSOKF42	For his daily expenditures, like if he doesn't earn more than the 300ksh required everyday. He will have to use the money to cater for the day's food, then work towards recovering the used amount in the course of the week.
DSOKF43	In case a friend asks for ficial help from him.
DSOKM10	Buy a new phone
DSOMB39	Paying for salon services and buying clothes. Some other times she helps in buying household foodstuff in case her parents are experiencing some ficial constraints.
DSONB06	He can withdraw the cash like to go pay for his chama, which helps him alot when he is in need.
DSOVH07	If he doesn't have basic needs
DSOVH24	When her family member is in need of cash urgently

Explore Edit

DFS20: Explain why, give reasons and a description.: -Because with dfs they wait until the agreed time for repayment collapse while individuals ask for their money any time anywhere especially if they see you shopping nice things even before the agreed time collapse, -Individual harass people with their debt -Individual give a short period of time for refunding and if you fail, its war -Individuals charge higher rates, An individual will stress you when they want back their money. They may also be broke, but I can always get money from DFS, Because individuals are flexible on their teams and conditions and repayment period can be extended on an agreement., Because individuals will understand him incase he defaults, Being able to qualify for high loan limits when you save through digital ficial services and their services are flexible and fast, DFS gives a specific duration of loan repayment and charges an interest depending on the amount borrowed., Dfs is better because I fear everytime I see someone I owe but with dfs I can pay slowly by slowly untill I finish unlike with people ,they expect the wholesome, DFS is more confidential and their charging rates are standard., For DFS, especially mshwari, he has to find an mpesa to withdraw the money. He has a chama with some few friends who when one is in a fix, they usually sort each other out., Friends can fail you sometimes, maybe they don't have the cash. Mshwari won't fail you, they will always have the cash, He cannot easily mingle with people and does not like borrowing money from people but most of the time from ASCA., He can explain himself in case he fail to pay a loan in time. With DFS he cannot explain himself to anyone other than repaying the loan in the specified time or incurring an extra charge. or He won't have to pay with interest. It doesn't have a specific duration in which he can do the repayment. he can negotiate with an individual as opposed to a bank or OTHER DFS where he has to pay in the specified time irrespective of where the money is to be gotten from.

Respondent	DFS20: Explain why, give reasons and a description.
DSOKF02	He won't have to pay with interest. It doesn't have a specific duration in which he can do the repayment. he can negotiate with an individual as opposed to a bank or OTHER DFS where he has to pay in the specified time irrespective of where the money is to be gotten from.
DSOKF11	For DFS, especially mshwari, he has to find an mpesa to withdraw the money. He has a chama with some few friends who when one is in a fix, they usually sort each other out.
DSOKF23	An individual will stress you when they want back their money. They may also be broke, but I can always get money from DFS
DSOKF26	DFS gives a specific duration of loan repayment and charges an interest depending on the amount borrowed.
DSOKF30	He cannot easily mingle with people and does not like borrowing money from people but most of the time from ASCA.
DSOKF41	He can explain himself in case he fail to pay a loan in time. With DFS he cannot explain himself to anyone other than repaying the loan in the specified time or incurring an extra charge.
DSOKM05	Because individuals are flexible on their teams and conditions and repayment period can be extended on an agreement.
DSOKM12	Being able to qualify for high loan limits when you save through digital ficial services and their services are flexible and fast
DSOKM13	DFS is more confidential and their charging rates are standard.
DSOMB07	Dfs is better because I fear everytime I see someone I owe but with dfs I can pay slowly by slowly untill I finish unlike with people ,they expect the wholesome
DSONB32	Friends can fail you sometimes, maybe they don't have the cash. Mshwari won't fail you, they will always have the cash
DSOVH19	-Because with dfs they wait until the agreed time for repayment collapse while individuals ask for their money any time anywhere especially if they see you shopping nice things even before the agreed time collapse
DSOVH27	Because individuals will understand him incase he defaults
DSOVH32	-Individual harass people with their debt -Individual give a short period of time for refunding and if you fail, its war -Individuals charge higher rates

Explore Edit

DFS23: Please explain rating:: Because if women set their minds on purchasing something they will save on it till they reach their goals., Because men are the breadwinners of their families and a role model and therefore they must provide, It is mostly like that because many women have less responsibilities, Most are obliged to make contributions to chamas, therefore they have to work towards attaining the particular amount required when time for chama comes., Men spend on everything, women like lying alot to get money and they save all the money, you even leave the, money for food and they will still manage to save some., Men like to spend money either by paying school fees,rent and providing family basic needs unlike women who mostly spend money on fashion and save the rest for chama groups., Women don't have a lot of expenses compared to men, Women face most problems affecting family members hence they save for future use incase of emergency., Women have alot of impulse buying compared to men, Women have different uses but men spend more on buying stuff like food because especially for bachelors they tend to buy ready foods rather than cooking for themselves, Women budget for basic needs for the family and tend to save extra cash for future expenditure., Most women belongs to women groups where they save money for future expenditure., Most women are in chamas where they are obliged to contribute a certain amount periodically. This makes them having to work in all ways possible to make sure they manage to get the required amount, Men can easily give, Men are meant to take care of the women and this is what makes many women always dependant to receive and complain toomuch too .I think is is just nature, Men are spenders unlike women or Men can drink their money. Women are strict with their chamas. Men also have more responsibility. They also eat in restaurants, women economise the little money they get or given by their husband.

Respondent	DFS23: Please explain rating:
DSOKF09	Most are obliged to make contributions to chamas, therefore they have to work towards attaining the particular amount required when time for chama comes.
DSOKF16	Most women are in chamas where they are obliged to contribute a certain amount periodically. This makes them having to work in all ways possible to make sure they manage to get the required amount
DSOKM05	Because if women set their minds on purchasing something they will save on it till they reach their goals.
DSOKM15	Women face most problems affecting family members hence they save for future use incase of emergency.
DSOKM20	Men like to spend money either by paying school fees,rent and providing family basic needs unlike women who mostly spend money on fashion and save the rest for chama groups.
DSOKM22	Women budget for basic needs for the family and tend to save extra cash for future expenditure.
DSOKM36	Most women belongs to women groups where they save money for future expenditure.
DSOMB09	Men can easily give
DSOMB11	Men are meant to take care of the women and this is what makes many women always dependant to receive and complain toomuch too .I think is is just nature
DSOMB24	It is mostly like that because many women have less responsibilities
DSOMB42	Women have different uses but men spend more on buying stuff like food because especially for bachelors they tend to buy ready foods rather than cooking for themselves
DSONB07	Men are spenders unlike women
DSONB15	Men spend on everything, women like lying alot to get money and they save all the money, you even leave the, money for food and they will still manage to save some.
DSONB23	Men can drink their money. Women are strict with their chamas. Men also have more responsibility. They also eat in restaurants, women economise the little money they get or given by their husband.
DSOVH28	Because men are the breadwinners of their families and a role model and therefore they must provide
DSOVH32	Women don't have a lot of expenses compared to men
DSOVH39	Women have alot of impulse buying compared to men

Explore Edit

DFS25: Please explain rating:: Because borrowing money depends with the situation at hand and therefore any gender can borrow, Because men can due with their problems but not borrowing like women, Because they are bread winners and therefore should always provide, Because women like borrowing even if they have the money, I think it's the women who borrow more so they can sustain their families whenever there are needs, Men borrow more than women inoder to pay school fees,rent and make sure their families live a comfortable life., Men borrow more than women inoder to provide ficial assistance to his family on daily basis., Men doesn't like requesting for loans, if need be, most ask their wives to take a loan on their behalf., Men fear debts compared to women, Men feel ashamed to borrow and whenever need arise they request their wives to go and borrow on their behalf., Men usually hustle to earn before spending, they don't like borrowing what they are intending to spend and would rather ask their wives to request for the loan on their behalf if they need to get a loan., Men perfer saving than borrowing inoder to provide ficial assistance for the family in future., Men perfer borrowing inoder to provide ficial assistance to all family members., Most ladies are on ASCA/ROSCA chamas that offer soft loans, they are therefore in a position to access loans as compared to their male counterparts who also like to operate independently as far as money is concerned., To spend on pleasure activities like drinking and betting, Women access loans from the chamas in which they are(mostly) members, they don't require long and strict procedures to access loans., They have more responsibilities when compared to women like paying rent, They have a lot of responsibilities and have more focus on developement projects that calls for need of more money from loans or They have a lot of responsibilities eg providing food, house rent, health and even supporting the family of the wife

Respondent	DFS25: Please explain rating:
DSOKF06	Men doesn't like requesting for loans, if need be, most ask their wives to take a loan on their behalf.
DSOKF24	Men usually hustle to earn before spending, they don't like borrowing what they are intending to spend and would rather ask their wives to request for the loan on their behalf if they need to get a loan.
DSOKF33	They have a lot of responsibilities and have more focus on developement projects that calls for need of more money from loans
DSOKF36	Most ladies are on ASCA/ROSCA chamas that offer soft loans, they are therefore in a position to access loans as compared to their male counterparts who also like to operate independently as far as money is concerned.
DSOKF38	Women access loans from the chamas in which they are(mostly) members, they don't require long and strict procedures to access loans.
DSOKF45	To spend on pleasure activities like drinking and betting
DSOKM08	Men borrow more than women inoder to provide ficial assistance to his family on daily basis.
DSOKM13	Men feel ashamed to borrow and whenever need arise they request their wives to go and borrow on their behalf.
DSOKM25	Men borrow more than women inoder to pay school fees,rent and make sure their families live a comfortable life.
DSOKM39	Men perfer borrowing inoder to provide ficial assistance to all family members.
DSOMB34	Men perfer saving than borrowing inoder to provide ficial assistance for the family in future.
DSONB09	I think it's the women who borrow more so they can sustain their families whenever there are needs
DSONB11	They have more responsibilities when compared to women like paying rent
DSOVH07	Because women like borrowing even if they have the money
DSOVH08	Men fear debts compared to women
DSOVH13	Because borrowing money depends with the situation at hand and therefore any gender can borrow
DSOVH27	Because they are bread winners and therefore should always provide
DSOVH28	Because men can due with their problems but not borrowing like women
DSOVH34	They have a lot of responsibilities eg providing food, house rent, health and even supporting the family of the wife

Explore Edit

DFS27: Why is this particular DFS the most useful?: All money related transactions I perform using mpesa services be it buying goods,paying services and school fees hence it's very important., All my ficial transactions I do perform them using mpesa services be it shopping,paying school fees,rent and medical bill., Am able to save and earn high loan limit, Am able to save my income and at the same time request for a loan from mshwari saving account., Because am able to save and earn interest at the same time I raise my loan limit., Because he can also access a loan on this service, Because he uses mpesa on a daily basis, Cause of the distance and he is at school, he can receive money from anywhere. He can also buy credit from Mpesa, He can access a loan any time provided he qualifies for one., He can receive money from friends and family., It can save where need even without one having nothing, It enables me to save and can borrow loans at the same time at low rates at anytime., It is very cheap with good rates, It is faster and convenient way of transacting money and away os borrowing from friends when she is broke, Its convinient in sending,receiving,saving, The more you recharge your airtime, their higher okoa jahazi one can get, and it can help ti times of emergencies. or Through mpesa am able to pay bills, services and be able to request loan through mshwari saving account.

Respondent	DFS27: Why is this particular DFS the most useful?
DSOKM33	Through mpesa am able to pay bills, services and be able to request loan through mshwari saving account.
DSOVH11	The more you recharge your airtime, their higher okoa jahazi one can get, and it can help ti times of emergencies.
DSOMB27	Its convinient in sending,receiving,saving
DSOMB09	It is very cheap with good rates
DSOVH28	It is faster and convenient way of transacting money and away os borrowing from friends when she is broke
DSOKM02	It enables me to save and can borrow loans at the same time at low rates at anytime.
DSOMB24	It can save where need even without one having nothing
DSONB38	He can receive money from friends and family.
DSOKF02	He can access a loan any time provided he qualifies for one.
DSONB34	Cause of the distance and he is at school, he can receive money from anywhere. He can also buy credit from Mpesa
DSOVH13	Because he uses mpesa on a daily basis
DSOKF12	Because he can also access a loan on this service
DSOKM06	Because am able to save and earn interest at the same time I raise my loan limit.
DSOKM37	Am able to save my income and at the same time request for a loan from mshwari saving account.
DSOKM10	Am able to save and earn high loan limit
DSOKM25	All my ficial transactions I do perform them using mpesa services be it shopping,paying school fees,rent and medical bill.
DSOKM09	All money related transactions I perform using mpesa services be it buying goods,paying services and school fees hence it's very important.

Explore Edit

DFS29: Why is this particular DFS the least useful?: not empty

Respondent	DFS29: Why is this particular DFS the least useful?
DSOKF11	She bought the phone for me
DSOKF27	She helped getting the phone
DSOKF28	She contributed money to buy the phone
DSOKF30	She bought the phone for me
DSOKF45	She contributed money the buy the phone
DSOMB42	She helped getting the phone
DSOMB44	She bought the phone for me
DSONB08	She contributed money the buy the phone
DSONB34	She bought the phone for me
DSOVH15	She helped getting the phone
DSOVH35	She contributed money the buy the phone

This site was made with Silk

Digital Financial Services

DFS use keeps going up

Same old same old: M-Pesa, Okoa Jahazi and M-Shwari are still king

DFS Balances

Questions about learning

Questions about loans, saving and spending

How have your saving/spending habits changed since our last visit?

What was your reason for taking a loan from DFS?

Why do you save in Digital Financial Services, what are your goals?

What event or problem would make you spend your savings apart from your desired goals?

Do you prefer to borrow from DFS or individuals?

Perceived gender differences

Rate the following statement: Women save more than men

Rate the following statement: Men borrow more than women

Questions about usefulness