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75% goes towards utility by family and friends with a paltry 25% going into saving.

David bernoKent libisoNyumba mkononiBetty korirKenya diaspora allianceFinancial inclusion programmeEuropean unionCredit bankEuropean union platform for remittancesCentral bankInternational fund for agriculture developmentWorld bankAffordable remittancesEnhanced financial inclusion programmeRia money transferInternational fund