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Digital Finance and Access to Credit in the Post-Covid Informal and Domestic Economies of Rural Western Kenya, 2021
Creator
Zidaru-Barbulescu, T, London School of Economics and Political Science
Study number / PID
855377 (UKDA)
10.5255/UKDA-SN-855377 (DOI)
Data access
Information not available
Series
Not available
Abstract
Following the onset of the Covid-19 pandemic the over-indebted Kenyan state was unable to stabilise a nose-diving economy. Faced with the risk of bankruptcy and widespread defaults on loans, financial credit providers such as banks and microfinance institutions restricted access to credit. The resulting credit-crunch forced many Kenyans to turn to digital lenders and friends or kin for access to credit to pay off pre-existing debts and make ends meet. This collection comprises ethnographic data on how individual borrowers and informal savings-and-credit groups navigated this credit-crunch. In particular, the collection features information on the social consequences of financial technologies and the quantification of creditworthiness through digital data in informal and domestic economies.Artificial Intelligence (AI) is in the ascendant the world over. This is especially the case when it comes to machine learning and big data, which are said to offer a technical fix to human questions of trust. Such rhetoric obscures its embeddedness in a specific socio-cultural context, while downplaying the extent to which trust is an ethical and political issue rather than a strictly technical one. But most social sciences, unlike mathematics and computing, have had little to say about the trust that such technologies are said and designed to foster. My proposed fellowship marks a step towards addressing this imbalance, through research activities as well as by building an interdisciplinary network of social scientists seeking to develop publicly engaged scholarship on AI.
More broadly, the fellowship will help consolidate my doctoral research on trust, by bringing it to bear on recent developments in AI, as well as by integrating some additional research into my existing material, with a view of developing a monograph within the next two years. In my thesis, I argued that - in Kenya as elsewhere - popular narratives about trust link up with the historical reproduction and...
Terminology used is generally based on DDI controlled vocabularies: Time Method, Analysis Unit, Sampling Procedure and Mode of Collection, available at CESSDA Vocabulary Service.
Methodology
Data collection period
01/03/2021 - 01/08/2021
Country
Kenya
Time dimension
Not available
Analysis unit
Individual
Universe
Not available
Sampling procedure
Not available
Kind of data
Text
Data collection mode
The data was collected through semi-structured interviews with 24 respondents. Repeat interviews were arranged at least a month apart, partly to fill in gaps in information but also to get a sense of how respondents’ situations and experiences progressed. Respondents were recruited primarily through snow-ball sampling, with a view to ensure a variety of socio-economic backgrounds were proportionately represented. Research participants thus included young as well as middle-aged men and women, with a third in formal employment and the vast majority self-employed in the informal and gig economy as farmers, merchants, contractors, technicians, motorcycle taxi drivers, shopkeepers or small-business owners. Most participants owned a smartphone or a mobile phone. Interviews were conducted remotely, through a research assistant, due to travel restrictions and the risk of spreading Covid in rural Kenyan communities.
Funding information
Grant number
ES/V009494/1
Access
Publisher
UK Data Service
Publication year
2021
Terms of data access
The Data Collection only consists of metadata and documentation as the data could not be archived due to legal, ethical or commercial constraints. For further information, please contact the contact person for this data collection.