
Kim Wilson: Beyond Vulnerability: The Ingenuity We Overlook
In this episode, I sit down with Kim Wilson, a financial inclusion scholar and practitioner whose work has taken her from the world of business and finance to the everyday financial lives of migrants and communities often overlooked by formal institutions. Kim reflects on how her early career in finance led her towards international development, and how her experiences with microfinance challenged some of her assumptions about what helps people escape poverty. She explains why access to credit is not always the answer, and how community-based savings groups can offer a more practical, sustainable and empowering alternative. We explore the ingenious financial networks people build for themselves, from rural women's savings groups in Kenya to immigrant-run savings clubs in the United States. These arrangements reveal a side of migration that is often missed: beyond the very real vulnerabilities people face, there is resourcefulness, entrepreneurship and an extraordinary capacity to organise and support one another. Ultimately, this is a conversation about looking beyond statistics and assumptions to listen to people's stories, and discovering how much we can learn from the ways they navigate the world. Recorded on 23 September 2026. Connect with Kim on LinkedIn at linkedin.com/in/kim-wilson-723aa31/ and at Journeysproject.org . Her book, Backyard Bankers, Immigrants, money clubs, and the pursuit of the American dream is available for download here: https://practicalactionpublishing.com/book/3017/backyard-bankers . Instagram: @at.the.coalface And don’t forget to subscribe to At the Coalface for new episodes every two weeks. Help us produce more episodes by becoming a supporter. Your subscription will go towards paying our hosting and production costs. Supporters get the opportunity to join behind the scenes during recordings, updates about the podcast, and my deep gratitude! Support the show










