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Legal And Other Constraints On Access To Financial Services In Kenya
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Book Synopsis Structural Issues in the Kenyan Financial System by : Thorsten Beck
Download or read book Structural Issues in the Kenyan Financial System written by Thorsten Beck and published by World Bank Publications. This book was released on 2004 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt: Although by regional standards Kenya's financial system is relatively well developed and diversified, major structural impediments prevent it from reaching its full potential. Cross-country comparisons, however, show the importance of a well developed financial sector for long-term economic growth and poverty alleviation. Experience from other developing economies has shown the detrimental effect of government ownership and the positive impact that foreign bank ownership can have on the development of a market-based financial system. Analyzing and decomposing the high interest rate spreads and margins in Kenya helps identify structural impediments that drive the high cost of and low access to financial services. The limited information sharing on debtors, deficiencies in the legal and judicial system, the limited number of strong and reputable banks, and nontransparency and uncertainty in the banking market are major impediments to the development of Kenya's financial system, and to reducing spreads and widening access. This paper--a product of the Finance Team, Development Research Group--is part of a larger effort in the group to understand the determinants of financial sector development.
Book Synopsis Legal and Other Constraints on Access to Financial Services in Kenya by :
Download or read book Legal and Other Constraints on Access to Financial Services in Kenya written by and published by . This book was released on 2001 with total page 78 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Law and Regulation of Mobile Payment Systems by : Joy Malala
Download or read book Law and Regulation of Mobile Payment Systems written by Joy Malala and published by Routledge. This book was released on 2017-11-28 with total page 154 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the last ten years mobile payment systems have revolutionised banking in some countries in Africa. In Kenya the introduction of M-Pesa, a new financial services model, has transformed the banking and financial services industry. Giving the unbanked majority access to the financial services market it has attracted over 18 million subscribers which is remarkable given that fewer than 4 million people in Kenya have bank accounts. This book addresses the legal and regulatory issues arising out of the introduction of M-Pesa in Kenya and its drive towards financial inclusion. It considers the interaction between regulation and technological innovation with a particular focus on the regulatory tools, institutional arrangements and government decisional processes through the examination as a whole of its regulatory capacity. This is done with a view to understanding the regulatory capacity of Kenya in addressing the vulnerabilities presented by technological innovation in the financial industry for consumers after financial inclusion. It also examines the way that mobile payments have been regulated by criticising the piecemeal approach that the Central Bank of Kenya has taken in addressing the legal and regulatory issues presented by mobile payments. The book argues there are significant gaps in the regulatory regime of mobile banking in Kenya.
Book Synopsis Access to Financial Services and Poverty Reduction in Rural Kenya by : John M. Mutua
Download or read book Access to Financial Services and Poverty Reduction in Rural Kenya written by John M. Mutua and published by . This book was released on 2005 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Structural Issues in the Kenyan Financial System by : Thorsten Beck
Download or read book Structural Issues in the Kenyan Financial System written by Thorsten Beck and published by . This book was released on 2016 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt: Although by regional standards Kenya's financial system is relatively well developed and diversified, major structural impediments prevent it from reaching its full potential. Cross-country comparisons, however, show the importance of a well developed financial sector for long-term economic growth and poverty alleviation. Experience from other developing economies has shown the detrimental effect of government ownership and the positive impact that foreign bank ownership can have on the development of a market-based financial system. Analyzing and decomposing the high interest rate spreads and margins in Kenya helps identify structural impediments that drive the high cost of and low access to financial services. The limited information sharing on debtors, deficiencies in the legal and judicial system, the limited number of strong and reputable banks, and nontransparency and uncertainty in the banking market are major impediments to the development of Kenya's financial system, and to reducing spreads and widening access.This paper - a product of the Finance Team, Development Research Group - is part of a larger effort in the group to understand the determinants of financial sector development.
Book Synopsis Structural Issues in the Kenyan Financial System by : Thorsten Beck
Download or read book Structural Issues in the Kenyan Financial System written by Thorsten Beck and published by . This book was released on 2013 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Although by regional standards, Kenya's financial system is relatively well developed and diversified, major structural impediments prevent it from reaching its full potential. Crosscountry comparisons, however, show the importance of a well-developed financial sector for long-term economic growth and poverty alleviation. Experience from other developing economies has shown the detrimental effect of government ownership and the positive impact that foreign bank ownership can have on the development of a market-based financial system. Analyzing and decomposing the high interest rate spreads and margins in Kenya helps identify structural impediments that drive the high cost of and low access to financial services. The limited information sharing on debtors, deficiencies in the legal and judicial system, the limited number of strong and reputable banks and non-transparency and uncertainty in the banking market are major impediments to the development of Kenya's financial system, to reducing spreads and to widening access.
Book Synopsis Influence of Financial Regulation in Kenya on Financial Inclusion: a Case Study of the Banking Industry in Kenya by : Deborah Kemunto Momany
Download or read book Influence of Financial Regulation in Kenya on Financial Inclusion: a Case Study of the Banking Industry in Kenya written by Deborah Kemunto Momany and published by . This book was released on 2018 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The positive impact of financial inclusion on the lives of the citizens of African countries as well as their economies in the last decade is non-debatable. Subsequently, financial inclusion has greatly contributed to the diminishing number of the unbanked population in African countries especially with the advent of provision of digital financial services. Nonetheless, the population of adults lacking access and usage of financial services is above two (2) billion. Finance serves a primary purpose of facilitating productive economic activities in a country. Economic growth and financial stability is best achieved in an environment with sound financial regulations. Whereas financial systems across Africa have experienced profound changes as characterised by financial deepening and rapid growth in intermediation, there is a compelling need to ensure that the day-today economic activities are not marred by unsound financial environments. Though the changes have positively impacted financial inclusion and intermediation in Kenya, the Central Bank of Kenya is faced by a plethora of challenges in its effort of ensuring that the economy is thriving. This is besides ensuring that there is financial stability through the enforcement of compliance, regulation and supervision of financial institutions within the banking sector. This research paper discussed the influence of financial regulations in Kenya on financial inclusion in the context of the banking industry in Kenya This research took the nature of a survey. The population of the study on the side of the regulated institutions comprised all institutions licenced under the Banking Act. Data collection was by means of a questionnaire. The questionnaire was structured with open ended and closed ended questions. The open ended questions collect qualitative data whereas the closed ended collect quantitative data. Opinions, views and perceptions were captured through scaling questions. From the analysis of findings, a positive correlation was established between financial inclusion variables i.e quality, usage and access and financial stability of institutions regulated by the banking act. The study recommended that the government can also through its role in regulation create a regulatory framework that encourages financial inclusion in order to enhance financial stability.
Book Synopsis Women Access Constraints in Micro Finance Services by : A.A. Oriri
Download or read book Women Access Constraints in Micro Finance Services written by A.A. Oriri and published by . This book was released on 2009 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Fintech by : International Monetary Fund
Download or read book Fintech written by International Monetary Fund and published by International Monetary Fund. This book was released on 2019-06-27 with total page 73 pages. Available in PDF, EPUB and Kindle. Book excerpt: The paper finds that while there are important regional and national differences, countries are broadly embracing the opportunities of fintech to boost economic growth and inclusion, while balancing risks to stability and integrity.
Book Synopsis Kenya by : International Monetary Fund
Download or read book Kenya written by International Monetary Fund and published by International Monetary Fund. This book was released on 2008-10-17 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Selected Issues paper on Kenya reviews Kenya’s external stability in a context where the exchange rate has strengthened and capital inflows are playing an increasingly important role. Kenya’s external current account deficit has widened, reflecting strong import volumes as well as rising import prices, particularly for oil, but external debt as a percent of GDP has declined steadily. Underlying these developments have been a steady increase in capital inflows and a remarkable rebound of economic growth since 2003 after two decades of stagnation.
Book Synopsis Reforms for Enhanced Performance of Kenya's Financial Sector by : Wilson Kinyua
Download or read book Reforms for Enhanced Performance of Kenya's Financial Sector written by Wilson Kinyua and published by . This book was released on 2004 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Access to Financial Services by : Stijn Claessens
Download or read book Access to Financial Services written by Stijn Claessens and published by World Bank Publications. This book was released on 2005 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This paper reviews the evidence on the importance of finance for economic well-being, provides data on the degree of use of basic financial services by households and firms across a sample of countries, assesses the desirability of more universal access, and overviews the macroeconomic, legal, and regulatory obstacles to access using general evidence and case studies. Although access to finance can be very beneficial, the data show that universal use is far from prevalent in many countries, especially developing countries. At the same time, universal access has generally not been a public policy objective and is surely not easily achievable in most countries.
Book Synopsis Capital Requirements and Bank Behaviour in Kenya by :
Download or read book Capital Requirements and Bank Behaviour in Kenya written by and published by . This book was released on 2004 with total page 78 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis A Review of the Regulatory Framework for Private Healthcare Services in Kenya by :
Download or read book A Review of the Regulatory Framework for Private Healthcare Services in Kenya written by and published by . This book was released on 2004 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Breaking the Vicious Cycle of Poor Access to Credit by Micro and Small Enteprises in Kenya by : John E. Akoten
Download or read book Breaking the Vicious Cycle of Poor Access to Credit by Micro and Small Enteprises in Kenya written by John E. Akoten and published by . This book was released on 2007 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Kenya National Assembly Official Record (Hansard) by :
Download or read book Kenya National Assembly Official Record (Hansard) written by and published by . This book was released on 2005-04-26 with total page 43 pages. Available in PDF, EPUB and Kindle. Book excerpt: The official records of the proceedings of the Legislative Council of the Colony and Protectorate of Kenya, the House of Representatives of the Government of Kenya and the National Assembly of the Republic of Kenya.
Book Synopsis Report of the Proceedings of the International Conference on Finance and Development by : Kenya Institute for Public Policy Research and Analysis
Download or read book Report of the Proceedings of the International Conference on Finance and Development written by Kenya Institute for Public Policy Research and Analysis and published by . This book was released on 2002 with total page 84 pages. Available in PDF, EPUB and Kindle. Book excerpt:
