Project Year



East Africa



Project Description

This study will investigate the use and impact of M-Shwari among the informal sector, Jua Kali, in rural and urban settings of Kenya. Additionally, based on initial findings, the link between practice and policy development will be established. Multiple methods of data collection will be employed using both quantitative and qualitative approaches. This will include survey, in-depth interviews, focus group discussions, observations and review of secondary data. This process will also entail profiling the users based on the location, demographic/background, gender, size and type of business, access to financial services, and other relevant indicators.


Ndunge Kitii and Jane Mutinda

About the Researcher(s)

ndungeNdunge Kiiti is a Professor of International Development at Houghton College, in Houghton, NY and Adjunct Faculty at Emory University's Rollins School of Public Health, Department of Global Health, in Atlanta, GA.  Currently, Dr. Kiiti is a Visiting Professor at the Cornell International Institute for Food, Agriculture and Development (CIIFAD).  With a key focus on Africa and Latin America, Dr. Kiiti's work involves research, teaching, and publishing in the areas of communication, education, health and development. Her collaborative research projects, supported by IMTFI, highlight the use of mobile money technology by women's micro-credit groups and the 'Jua Kali' or informal business sector in Kenya.  This year, in partnership with Cornell's Institute for African Development (IAD), Dr. Kiiti will be doing research on the use and impact of mobile money technology among smallholder farmers in Rwanda and Ethiopia.  She serves on the boards of MAP International, a global health organization, and Jericho Road Community Health Center, both based in the U.S.  Dr. Kiiti has a PhD in Communication from Cornell University, Ithaca, NY, which included a one-year study in International Health at the John's Hopkins School of Public Health, Baltimore, MD.

JaneJane Wanza Mutinda has a PhD in Environment and Community Development from Kenyatta University, Nairobi, Kenya, where she currently serves as the Chairperson. Dr. Mutinda’s research focuses on Gender and Environment, Community Resource Management, Poverty Alleviation and Microfinance among Women’s Groups in Kenya. In addition to her work in academia, from 2007-2010 she served as the Project Director for a NEPAD supported program to train women in Eastern Kenya on resource mobilization and investment. She has served as a consultant for numerous organizations such as UNICEF, the Association of African Women for Research and Development (AAWORD), and the African Women’s Development Fund (AWDF). Dr. Mutinda also obtained a Master’s in Education and Environmental Studies from Kenyatta University, Nairobi, and a Bachelor’s in Education (Honors) from the University of Nairobi, Kenya.

Synopsis of Research Results

Read their research blogpost, "Lessons form the Field: M-Shwari and the Jua Kali in Kenya"

View the video, "The Use of M-Shwari in the Jua Kali Sector".

Read their Final Report


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