
The experience of Credit Information Sharing (“CIS”) in Kenya is a case study in market and stakeholder coordination in order to build a robust financial infrastructure. Kenya’s experience, until 2008 was much like many other countries: a story of fits and starts with limited progress and effectiveness. In 2008, a number of stakeholders including donors, industry associations, regulators and financial institutions began working together to solve an intractable problem: how to create an effective CIS market. The Kenyan experience is best captured and distilled in three separate stand-alone documents, each serving a different purpose.