Capitulo IV: Estudio de mercado
4.1. Investigación de mercado
4.1.5. Encuestas
In the process of the study, it was observed that some issues outside the scope of the foregoing study required further investigation as highlighted below;-
1. There is a need for a study to assess the prospects of amalgamating the small CBMFOs to form large dynamic and easily accessible financial institutions targeting the underprivileged among the rural communities in Kenya.
2. There is the need to show how the use of technology particularly mobile banking can enhance the exchange of finances among the CBMFOs, commercial banks and large co-operative societies.
3. A lot of finances have been disbursed by the local and international organizations targeting the social and economic activities of community based microfinance organizations. A study is required to examine why these institutions have not found it necessary to focus on integration of sustainable environmental practices.
101
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109 7 APPENDICES
(I) List of Oral Informants
A. Focus Group Discussion Members
(i) COMMUNITY BASED MICROFINANCE ORGANIZATIONS
Group 1: Mwireri Date: 14-4-2012
Sub-location: Mugutha Time: 10.00-11.00am
Name Age (years) Gender
1. Anthony Njuguna 53 Male
2. Joy Waithera 41 Female
3. Faith Njeri 38 Female
4. Purity Kawira 24 Female
5. Agnes Kimani 44 Female
6. Lucy Wangui 26 Female
7. Rosemary Njeri 42 Female
8. Mary Gitau 35 Female
Group 2: Gitothua Pamoja Date: 20-4-2012 Sub-location: Gitothua Time: 2.00pm-2.45pm
Name Age (years) Gender
1. Jane Mburu 44 Female
2. Grace Wanja 23 Female
3. Rose Muthoni 41 Female
4. Wambui Waithaka 37 Female
5. Esther Njoki 50 Female
6. Sarah Wanjiku 35 Female
7. Ann Wandia 42 Female
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Group 3: By Grace Date: 20-4-2012 Sub-location: Gitothua Time: 10.00am-11.00am
Name Age (years) Gender
1. Agnes Wainaina 46 Female
2. Nduta Kimani 44 Female
3. Betty Mukami 34 Female
4. Evageline Ndwati 33 Female
5. Rose Kiambati 43 Female
6. Catherine Wanjiku 26 Female
7. Patricia Njeri 47 Female
8. Caroline Kawira 41 Female
Group 4: Brosis Date: 5-8-2012 Sub-location: Mukuyu Time: 08.00am-9.00am
Name Age (years) Gender
1. Kimani Ndiritu 53 Male
2. Nchenga Ndungu 44 Male
3. Anthony Kimani 55 Male
4. Alex Kimiti 41 Male
5. George Kamau 38 Male
6. Kariuki Kinyua 33 Male
7. Kinuthia Maina 42 Male
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Group 5: Shangilia Date: 19-5-2013
Sub-location: Mukuyu Time: 10.00am-10.45am
Name Age (years) Gender
1. Jane Waithera 19 Female
2. Njoki Ndungu 49 Female
3. Irene Wanjiru 47 Female
4. Philomena Nchenga 46 Female
5. Sarah Wairimu 28 Female
6. Susan Ngugi 38 Female
7. Nancy Njeri 51 Female
8. Grace Wamuyu 44 Female
Group 6: Wise Ladies Date: 28-4-2012 Sub-location: Mugutha Time: 11.00am-12.00pm
Name Age (years) Gender
1. Wambui Muya 44 Female
2. MaryAnn Nduta 33 Female
3. Jane Muthoni 26 Female
4. Lucy Njeri 40 Female
5. Hellen Njeri 35 Female
6. Susan Watene 47 Female
7. Phyllis Wachira 37 Female
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Group 7: Ebenezer Date: 28-4-2013 Sub-location: Mukuyu Time: 2.00pm-3.00pm
Name Age (years) Gender
1. Susan Igoki 42 Female
2. Esther Njambi 37 Female
3. Agnes Mukambi 31 Female
4. Faith Wairia 41 Female
5. Margaret Ireri 27 Female
6. Lilian Njeri 43 Female
7. Winnifred Kaari 38 Female
8. Sarah Kinyua 33 Female
Group 8: Kiguanga Date:5-8-2012 Sub-location: Gitothua Time: 10.00am-10.45am
Name Age (years) Gender
1. John Kinuthia 45 Female
2. Stephen Kinyua 33 Female
3. Anthony Kiambati 46 Female
4. Silas Mucharia 35 Female
5. Ndicho Kamau 40 Female
6. Philip Nderi 28 Female
7. Njuguna Wamaitha 44 Female
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Group 9: Wikanyire Date:5-8-2013 Sub-location: Mugutha Time:10.00am-11.00am
Name Age (years) Gender
1. Millicent Kinya 36 Female
2. Veronica Wambui 35 Female
3. Faith Muchene 38 Female
4. Mbura Nduhiu 34 Female
5. Winnifred Siombua 32 Female
6. Mercy Kiborisi 41 Female
7. Maureen Gatete 27 Female
8. Damaris Riungu 42 Female
Group 10: Weru Date:03-8-2013 Sub-location: Gitothua Time: 11.00am-12.00pm
Name Age (years) Gender
1. Emma Gachiri 46 Female
2. Evelyne Ndegwa 43 Female
3. Hellen Gathogo 30 Female
4. Eunice Gathecha 37 Female
5. Gloria Mukui 27 Female
6. Jane Waweru 38 Female
7. Joyce Gitonga 35 Female
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(ii) ENVIRONMENTAL CONSERVATION GROUPS
Group 11: Mugi Date:03-8-2013 Sub-location: Gitothua Time: 10.00am-11.00am
Name Age (years) Gender
1. Dorothy Kamene 48 Female
2. Faith Waturi 41 Female
3. Lydia Njoki 42 Female
4. Karimi Gatimi 34 Female
5. Loise Kinyua 32 Female
6. Ntinyari Macharia 40 Female
7. Njai Wangombe 28 Female
8. Faith Wawira 27 Female
9. Zipporah Wanja 44 Female
10. Dorina Bibiana 33 Female
Group 1:National Youth Congress (NYC) Date: 14-10-2013 Time: 8.00am-9.00am
Name Age (years) Gender
1. Peterson Maingi 24 Male
2. Vincent Kamau 22 Male
3. Annex Wachira 20 Male
4. Felix Nyaga 28 Male
5. Eliud Wahome 30 Male
6. Veronica Muthee 19 Female
7. Winnie Wangari 22 Female
115 Group 2: Trees for Job
Date: 14-10-2013 Time: 10.00am.11.00am
Name Age (years) Gender
1. James Njeru 27 Male
2. Thomas Ngige 24 Male
3. Alexandria Murimi 20 Male
4. Patrick Njuki 20 Male
5. Pamela Ngugi 21 Female
6. Sabina Njuki 26 Female
7. Ruth Njeri 28 Female
8. Rachel Wainaina 25 Female
Group 3: Green Belt Movement
Date:14-10-2013 Time: 4.00pm-5.00pm
Name Age (years) Gender
1. Josephine Ndirango 28 Female
2. Milliam Kathambi 20 Female
3. Fridah Wambugu 20 Female
4. Nduhiu Macharia 19 Male
5. Jackline Gatimi 21 Female
6. Purity Mwangi 27 Female
7. Silvesta Kamami 27 Male
116 (II) Key Informant Interviews
(a) CBMFOs Officials
Name Age
(years)
Gender Group name Date of
interviews
1. Madgaline Waweru 33 Female Mwireri 14-4-2012
2. Rita Wambui 54 Female Mwireri 14-4-2012
3. Lucy Mwendia 50 Female Gitothua Pamoja 20-4-2012
4. MaryAnn Kiberenge 40 Female Gitothua Pamoja 20-4-2012
5. Muthoni Kamau 35 Female By Grace 20-4-2012
6. Lydia Njeri 38 Female By Grace 20-4-2012
7. George Karanja 42 Male Brosis 5-8-2012
8. Peter Kimani 40 Male Brosis 5-8-2012
9. Evelyn Njoki 33 Female Shangilia 19-5-2013
10. Jane Mburu 42 Female Shangilia 19-5-2013
11. Rose Kimani 41 Female Wise ladies 28-4-2012
12. Faith Njuguna 43 Female Wise ladies 28-4-2012
13. Jane Njoki 52 Female Ebenezer 28-4-2013
14. Lydia Mukami 35 Female Ebenezer 28-4-2013
15. Lazarus kiarie 52 Female Kiguanga 5-8-2012
16. Erastus Waweru 35 Female Kiguanga 5-8-2012
17. Sebastian Monyo 33 Male Wikanyire 5-8-2013
18. Fredrick Mugo 43 Male Wikanyire 5-8-2013
19. Lilian Kinuthia 30 Female Weru 3-8-2013
20. Mercy Ngunjiri 40 Female Weru 3-8-2013
21. Zipporah Wanja 44 Female Mugi 3-8-2013
117 (b) Intermediary Microfinance Institutions
Name Position Organization Date of
interview
1. Esther Irungu Manager WEMA 10-11-2013
2. Mary Kuria Field Officer WEMA 10-11-2013
3. Joseph Kamau Manager Taifa Option 15-12-2013 4. Timothy Macharia Field Officer Taifa Option 15-12-2013 5. Marilynn Waiguru Field Coordinator RECET 15-12-2013 6. Vincent Ndegwa Field Officer RECET 15-12-2013 7. Jane Nyaga Field Coordinator PAWDEP 19-12-2013 8. Naomi Wangui Finance Officer PAWDEP 19-12-2013 9. Macharia Thuo Program Officer Catholic Fund 8-1-2014 10. Wairimu Kinyua Field Officer Catholic Fund 8-1-2014
(c) Government Officials
Name Position Department Date of interview
1. Mary Gitau County Executive
Agriculture, livestock and fisheries 4-10-2013 2. Jacob Kinuthia Extension Officer
Agriculture, livestock and fisheries
4-10-2013 3. Samuel Rotich Extension
Officer
Agriculture, livestock and fisheries
4-10-2013 4. Henry Kinoti Extension
Offcer
Agriculture, livestock and fisheries 5-11-2013 5. Jonathan Maingi County Executive
Environment and Natural Resource (Water)
6-11-2013 6. Mark Waweru Program
Officer
Environment and Natural Resource (Forestry) 6-11-2013 7. Mary Kinyanjui Program Officer
Environment and Natural Resource (Environment) 6-11-2013 8. Peterson Warui Extension officer
Environment and Natural Resource
(Water)
7-11-2013
9. Jane Kanorio Extension Officer
Environment and Natural Resource (Forestry)
7-11-2013 10. Gerald Mwati Extension
Officer
Environment and Natural Resource (Environment)
7-11-2013 11. Kariuki Program
Officer
Gender, children and Social Development
118 (III) DATA COLLECTION INSTRUMENTS
CATEGORY 1: FGD guides for the CBMFOs members
Section 1: Background Information
1. Please circle the best response to the question Age bracket (in years) Highest Level of education Household Size Common Sources of energy Period of Membership in CBMFOs 1. 15-25 2. 26-35 3. 36-45 4.Above 46 1. None 2. Primary 3. Secondary 4.Post-secondary 1. 0-4 2. 5-8 3. 9-12 4. Above 13 1. Wood Fuel 2. Electricity 3. Gas 4. Kerosene 1. 1-2 2. 3-4 3. 5-6 4. Above 7
2. Fill in the box
a) Position in the Group _____________________
b) Name of your village _____________________ c) Length of stay in your village (specify)
d) List your main economic activities
1. Farming 2. Non-farm 3. Others (specify) (b) Types of economic activities
(1) Crop (2) Livestock (3) Small shops (4) Casual labor (5) Boda Boda 6. Others (specify)
Section 2
1. What are the two main objectives of CBMFOs?
(1) Economic (2) Social Empowerment (3) Others (specify)
119
livelihood? (1) Finances (2) Training (3) Others (specify)
3. List the main social and economic activities carried out by CBMFOs?
(a) Social activities (1) Merry-Go-Round (2) Support during initiations and weddings ceremonies, illness and funeral Arrangements (Benevolence) (3) Others (specify) (b) Economic activities (1) Farming (2) Non-farm (3) Others (specify)
4. List the main development partners who support CBMFOs organization in
development projects. (1) Government (2) NGOs (3) MFIs (4) Others (specify)
5. Name the main government agencies that support CBMFOs activities.
(1) Ministry of Gender, Children and Social Development (2) Ministry of Youth Affairs (3) Ministry of Agriculture (4) Others (specify)
6. List the main environmental problems affecting the following resources.
(a) Water sources (1) Scarcity (2) Lack of piped water (3) Drying of boreholes (4) Contamination (4) Others (specify)
(b) Arable Land (1) Loss of soil fertility (2) Loss of soil moisture (3) Soil erosion (4) Pests and rodents invasion (5) Others (specify)
(c) Wetlands such as swamps and wells (1) Encroachment (2) Flooding (3) Contamination (4) Inability to sink boreholes (5) Others (specify)
(d) Forests and natural vegetation (1) Conversion of forests and wetlands into farm lands (2) clearing of bushes and trees for settlement (3) Sale of timber (4) Charcoal burning (5) Others (specify)
7. (a) Are you personally engaged in any environmental conversation program?