1. The Premier Source for Microfinance Data and Analysis This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIXs prior written permission is strictly prohibited. Microfinance Information Exchange Mapping the financial sector in kenya

2. This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIXs prior written permission is strictly prohibited. Click to edit the outline text format Second Outline Level Third Outline Level Fourth Outline Level Fifth Outline Level Sixth Outline Level Seventh Outline Level Eighth Outline Level Ninth Outline LevelClick to edit Master text styles – Second level Third level – Fourth level » Fifth level Why financial inclusion data? Sources: Portfolios of the Poor Informal services Microfinance institution Remittance provider Insurance company Savings group? SACCO? Retail store

3. This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIXs prior written permission is strictly prohibited. 3 Structure of the sector Sources: southafrica.mixmarket.org, kenya.mixmarket.org, rwanda.mixmarket.org

4. This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIXs prior written permission is strictly prohibited. 4 Mapping for more detail Soon at: kenya.mixmarket.org Data on… Products from SPINNAKER Bank branches from FSD Kenya / CBK Postbank branches and agents from WSBI SACCOs from WOCCU MFIs via AMFI Kenya + MIX Demand data by province from Finscopes Web scrapers for other locations, savings groups coming soon? Maps by Development Seed See also nigeria.mixmarket.org, southafrica.mixmarket.org, rwanda.mixmarket.org (soon)

5. This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIXs prior written permission is strictly prohibited. 5 Bricks and mortar: rapid change in our lifetime Sources: FSD Kenya, WOCCU, MIX

6. This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIXs prior written permission is strictly prohibited. 6 Agent banking: off the charts Sources: FSD Kenya, WOCCU, MIX, Safaricom, KPOSB

7. This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIXs prior written permission is strictly prohibited. 7 Consistent reach by all, concentration in Nairobi M-Pesa Banks M-Pesa SACCOs MFIs Postbank MFIs Sources: Open Data Kenya, kenya.mixmarket.org; results are preliminary

8. This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIXs prior written permission is strictly prohibited. 8 Finding concentration of high-cost services Opening fees, by district Inactivity fees, by district Sources: SPINNAKER kenya.mixmarket.org; results are preliminary

9. This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIXs prior written permission is strictly prohibited. 9 What else can you ask and answer? Are MFIs based in high-poverty areas more than other types of providers? Are the unbanked located in high-poverty areas? Where are the biggest gaps (the most under-served)? Is there anywhere M-Pesa doesnt reach? Where is there the most M-Pesa concentration? What has been the expansion path for banks and SACCOs (intensive vs. extensive)? What has been the expansion path for agent banking? Where are there gaps in savings services? Where are there gaps in other infrastructure (roads, utilities, etc.)? Are product costs higher or lower in urban vs. rural areas? Do costs or fees decrease where there is more competition? (What kinds of competition?)

10. This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIXs prior written permission is strictly prohibited. MIX partners with a dedicated group of industry leaders: MIX Global and Project Partners 10

11. This presentation is the proprietary and/or confidential information of MIX, and all rights are reserved by MIX. Any dissemination, distribution or copying of this presentation without MIXs prior written permission is strictly prohibited. Visit us on the Web: www.themix.orgwww.themix.org www.mixmarket.orgwww.mixmarket.org Contact us: info@themix.orginfo@themix.org Interested in learning more about MIX? Sign up to receive our free e-mail newsletters!Sign up Find us on Facebook Follow us on Twitter: @mix_market@mix_market Regional Offices: Baku, Azerbaijan 44 J. Jabbarli st. Caspian Plaza I, 5th Floor, Baku, Azerbaijan Lima, Peru Jirón León Velarde 333 Lince, Lima 14, Perú Rabat, Morocco Immeuble CDG Place Moulay Hassan BP 408 Rabat Morocco Hyderabad, India Road #12, Landmark Building, 5th Floor, Banjara Hills, Hyderabad 500034, India Microfinance Information Exchange 11 Headquarters: 1901 Pennsylvania Ave., NW, Suite 307 Washington, D.C. 20006 USA