Olivia Obiero


Olivia Obiero worked as a Manager in the Banking and Financial Services domain of MSC. She provides support to financial institutions in market research, product development, process re-engineering, risk management, and credit operations, among others.

Olivia has extensive experience in leading and executing technical tasks or work streams across various areas, such as SME finance, market research and product development, monitoring and evaluation, institutional and risk assessment, and capacity building. She has conducted several assignments across Kenya, Tanzania, Ghana, and Malawi for various financial institutions including Jamii Bora Bank, Equity Bank of Kenya, Opportunity Bank of Malawi, etc.  

Posts by Olivia Obiero

Impact of the COVID-19 pandemic on micro, small, and medium enterprises (MSMEs)- Kenya report

This report provides a detailed country-level view of the impact of COVID-19 on micro, small, and medium enterprises in Kenya. It also highlights their coping strategies and provides recommendations for policymakers and financial service providers to support them.

Impact of the COVID-19 pandemic on CICO agents- Kenya report

This report highlights the impact of COVID-19 on CICO (cash-in and cash-out) agents in Kenya and the issues they have faced while delivering financial services since the onset of the pandemic. It also offers recommendations to policymakers and digital financial service providers to address key concerns and help CICO agents continue their services.

The rise of gig economy and how its shaping the employment space in Africa

Olivia Obiero Nganga in a studio interview with K24 TV discussing how the gig economy has the potential to decrease unemployment rates amongst youth, through providing an avenue to meaningful engagement with the formal economy.

Resolving challenges for digital credit with segment-specific vulnerabilities

In Kenya, the demand for digital credit as a substitute for both informal and formal financial services is strong. Yet the question remains—is the reach of digital credit wide enough to help all Kenyans who need instant credit? This blog discusses the current context and gaps relating to specific customer segments, and the associated behavioral traits and challenges. It also highlights key recommendations made to providers based on the insights and lessons from Kenya.

Is there room for optimism in the Kenyan digital credit sector?

This blog sheds light on the current state of the digital credit sector in Kenya highlighting the growth that has been experienced over the last 3 years. In addition, it also brings to our attention the positive trend that has been observed in the performance of mobile loans.

Making digital credit truly responsible- Insights from analysis of digital credit in Kenya

Based on MSC’s comprehensive study of the state of the digital credit landscape in Kenya (2019), this report highlights some positive signs and some persistent problems, as well as opportunities to improve products and consumer protection.

Enhancing education finance: A perspective of the financial journey of low- to medium-cost private primary schools in kenya

MicroSave conducted a study to understand how low- to medium-cost schools meet their financing needs. In this blog post, we explore the estimated financing demand, financial journey, challenges, behaviour, current coping mechanisms, and recommendations for financial partners that wish to serve this niche segment in a profitable and sustainable manner.

M-Shwari: Market Reactions and Potential Improvements

Customers also have a series of specific recommendations to improve the M-Shwari product which is outlined in the Note.