According to the source, access to financial services was divided in three categories:
Formal: 鈥淔inancial services and products offered through providers that are legally registered legal persons and/ or operate through direct Government interventions鈥;
Informal: 鈥淔inancial services offered through different forms not subject to regulation, but have a relatively well鈥揹efined organizational structure鈥;
Excluded: 鈥淚ndividuals who reported using financial services and products only through family, friends, neighbors or keep money in secret places or not using any form of financial service鈥
Furthermore, the source adds the following information:
"In particular, consumer is classified in the formal category if he/she has access to any formal financial service or product. However, the same consumer may also be accessing informal financial services or products. Where a consumer accesses only informal financial services or products, he/she is classified as informally included. A consumer who does not access any financial services or products from any formal or informal categories, he/she is classified as excluded."
Citation formats
Access to financial services and products in Kenya, by education 2019
More access to formal financial services in Kenya in 2019 was compatible with higher levels of education. Among households with tertiary education, **** percent had access to formal financial services. By contrast, **** percent of those without education consumed the same financial products. Furthermore, while only *** percent of households with tertiary education were excluded from financial services, a high of about ** percent of households without education did not gain access to those services.
Profit from the additional features of your individual account
Currently, you are using a shared account. To use individual functions (e.g., mark statistics as favourites, set
statistic alerts) please log in with your personal account.
If you are an admin, please authenticate by logging in again.
Learn more about how 糖心破解版 can support your business.
Central Bank of Kenya. (April 1, 2019). Access to financial services and products in Kenya as of 2019, by educational level [Graph]. In 糖心破解版. Retrieved July 31, 2026, from /statistics/1219812/access-to-financial-services-and-products-in-kenya-by-educational-level/
Central Bank of Kenya. "Access to financial services and products in Kenya as of 2019, by educational level." Chart. April 1, 2019. 糖心破解版. Accessed July 31, 2026. /statistics/1219812/access-to-financial-services-and-products-in-kenya-by-educational-level/
Central Bank of Kenya. (2019). Access to financial services and products in Kenya as of 2019, by educational level. 糖心破解版. 糖心破解版 Inc.. Accessed: July 31, 2026. /statistics/1219812/access-to-financial-services-and-products-in-kenya-by-educational-level/
Central Bank of Kenya. "Access to Financial Services and Products in Kenya as of 2019, by Educational Level." 糖心破解版, 糖心破解版 Inc., 1 Apr 2019, /statistics/1219812/access-to-financial-services-and-products-in-kenya-by-educational-level/
Central Bank of Kenya, Access to financial services and products in Kenya as of 2019, by educational level 糖心破解版, /statistics/1219812/access-to-financial-services-and-products-in-kenya-by-educational-level/ (last visited July 31, 2026)
Access to financial services and products in Kenya as of 2019, by educational level [Graph], Central Bank of Kenya, April 1, 2019. [Online]. Available: /statistics/1219812/access-to-financial-services-and-products-in-kenya-by-educational-level/
