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Kenya FinAccess Household Survey 2024
KFAHS 2024

Kenya, 2024
Get Microdata
Reference ID
ken-knbs-fahs-2024-v1
DOI
https://doi.org/10.25828/wz86-n256
Producer(s)
Kenya National Bureau of Statistics, Central Bank of Kenya, Financial Sector Deepening Kenya
Collections
FinMark Trust
Metadata
DDI/XML JSON
Created on
Oct 23, 2026
Last modified
Oct 23, 2026
Page views
36
  • Identification
  • Version
  • Scope
  • Coverage
  • Producers and sponsors
  • Study authorization
  • Sampling
  • Survey instrument
  • Data collection
  • Data access
  • Access policy
  • Metadata production

    • Citation
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    Identification

    Survey ID number
    ken-knbs-fahs-2024-v1
    Title
    Kenya FinAccess Household Survey 2024
    Subtitle
    KFAHS 2024
    Country
    Name Country code
    Kenya KEN
    Study type
    FinAccess Household Survey
    Series Information

    National household survey of financial inclusion in Kenya. Rounds have been conducted in 2006, 2009, 2013, 2016, 2019, 2021 and 2024.

    Other identifiers
    Type Identifier
    doi https://doi.org/10.25828/wz86-n256
    Abstract

    The Kenya FinAccess Household Survey 2024 measures access to, use of, and quality of financial services in Kenya, and how those services affect livelihoods. The Kenya National Bureau of Statistics conducted the survey in collaboration with the Central Bank of Kenya and Financial Sector Deepening Kenya. The stated objective is to measure and understand the financial needs of Kenyans, their use of financial services and products, and how those services can be improved.

    Kind of Data
    Sample survey data [ssd]
    Unit of Analysis
    Household and individual

    Version

    Version Description
    v1.0: Edited, anonymised data for public distribution
    Version Date
    2026-10-23
    Version Responsibility Statement
    DataFirst
    Version Notes

    DataFirst received the raw microdata file from FinMark Trust and curated it to create version 1.0. The curation involved removing 219 variables that were survey-software helpers, recodes, superseded versions, duplicates, and overlapping indicators. DataFirst corrected 756 variable labels for encoding, typos, wrong content, and truncation. The stratum variable was created from the county and urban/rural residence variable (92 strata), following the sampling design described in the 2024 Report.

    Scope

    Keywords
    financial inclusion financial access mobile money credit insurance pensions savings financial health Kenya

    Coverage

    Geographic Coverage

    National coverage

    Geographic Unit

    Cluster (enumeration area)

    Universe

    The target is individuals aged 16 years and above residing in conventional households in Kenya

    Geographic bounding box
    West East South North
    33.8935689697 41.8550830926 -4.67677 5.506

    Producers and sponsors

    Primary investigators
    Name Affiliation
    Kenya National Bureau of Statistics Government of Kenya
    Central Bank of Kenya Government of Kenya
    Financial Sector Deepening Kenya FSD Kenya
    Producers
    Name Affiliation Role
    Kenya National Bureau of Statistics Government of Kenya

    Survey implementation, in collaboration with the Central Bank of Kenya and FSD Kenya

    Study authorization

    Authorization Date
    2006
    Agency
    Agency name Affiliation Abbreviation
    Kenya National Bureau of Statistics Government of Kenya KNBS
    Authorization Statement

    The survey is conducted under the Statistics Act, 2006, which empowers KNBS to collect statistics from establishments and households. The Statistics Act, 2006 also guarantees confidentiality.

    Sampling

    Sample frame

    Sample frame name
    Kenya Household Master Sample Frame (K-HMSF)
    Custodian
    Kenya National Bureau of Statistics
    Universe

    The K-HMSF comprises of 10,000 clusters selected using Probability Proportional to Size (PPS) methodology from approximately 128,000 EAs created during the cartographic mapping of
    the 2019 Population and Housing Census.

    Unit Type
    Enumeration Area (cluster)
    Is Primary
    true
    Number of units
    10 000 clusters
    Sampling Procedure

    A multi-stage stratified cluster sampling procedure was employed to select the sampling units. Three sets of units were sampled, namely, Enumeration Areas (also called cluster in this survey), the households and an eligible individual within the households. The sample was drawn from the Kenya Household Master Sample Frame (K-HMSF), which was developed based on the 2019 Kenya Population and Housing Census. The sampling frame is stratified into 92 sampling strata, which are urban and rural areas in 45 counties. Each county has one urban and one rural stratum, while the Nairobi and Mombasa counties each have one urban stratum.
    The Enumeration Areas (EAs) were the primary sampling units and were randomly selected independently from each of 92 strata in the K-HMSF. In total, 1885 EAs were systematically selected with equal probability given that the master sample from which the sample was selected had been drawn with probability proportional to size. From each Enumeration Area (EA), a uniform sample of 15 households was selected using systematic sampling procedure from the households list in the K-HMSF.
    The survey targeted one eligible individual per selected household. Interviewer listed all the usual members of the sampled households, and one individual aged 16 years or older was randomly selected using Kish Grid. The Kish Grid random number table was integrated into Survey solutions CAPI software, ensuring that respondent selection was automatic, with no manual intervention by the enumerator.

    Deviations from the Sample Design

    A total of 20 EAs, which had been initially selected for the survey, could not be covered due to insecurity and movement of the entire population in the EA in cases of nomadic areas.

    Response Rate

    A total of 28,275 households were selected for the survey at the national level. Among these, 24,684 households were found to be eligible for interviews at the time of data collection, and 20,871 were successfully interviewed resulting in an overall household response rate of 84.6 percent. Reasons given for households being illeligible were: dwelling destroyed; vacant dwelling; away for an extended period. The rural households’ response rate was 87.6 percent compared to 79.4 percent for the urban households

    Weighting

    The microdata file includes a household weight (hh_weight) and an individual weight (ind_weight). For more information about weighting refer to the ''Data Weighting" section in the report.

    Survey instrument

    Questionnaires

    The questionnaire covers the household and the respondent, financial health, awareness of financial institutions, livelihoods and consumption, use of financial products, pensions, insurance, credit, savings and investment, payments, banking, microfinance, SACCOs, mobile money, climate financing, mobile banking, groups, financial assistance, business, agriculture, liquidity and resilience, technology, amenities, and demographics.

    Data collection

    Dates of Data Collection
    Start End
    2024 2024
    Time Method
    Cross-section
    Frequency of Data Collection

    The FinAccess Household Survey is repeated from time to time. The previous round was in 2021.

    Time periods
    Start date End date
    2024 2024
    Data Collection Mode
    • Computer Assisted Personal Interview[capi]
    Data Collectors
    Name Affiliation Abbreviation
    Kenya National Bureau of Statistics Government of Kenya KNBS
    Data Collection Notes

    Face-to-face interview, recorded in the Survey Solutions application. The language of interview is English, Kiswahili, or another language.

    Data access

    Location of Data Collection
    Kenya National Bureau of Statistics
    Archive where study is originally stored
    Kenya National Bureau of Statistics
    Notes

    External resources such as the report PDF are attached separately.

    Access policy

    Access authority
    Name Affiliation URL Email
    DataFirst Support University of Cape Town support@data1st.org
    Deposit requirements

    The data re-user agrees to send DataFirst a link to research publications that are based on the data.

    Notes

    .

    Metadata production

    Producers
    Name Affiliation Role
    DataFirst University of Cape Town

    Metadata producer
    Date of Metadata Production
    2026-10-23

    Metadata version

    DDI Document version
    1
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