In Kenya, where an estimated $649 million is sent annually from the United Kingdom alone, (Kabbucho, Sander and Mukwana, 2003), there is an active network of microfinance institutions in the country, but they are restricted by law from offering money transfers. Courier and bus companies, such as Akamba Bus Services and Securicor Courier are popular ways of sending money in cash. Finally, the hawala system remains prevalent in Kenya (Kabbucho, Sander and Mukwana, 2003). As a major destinat ion country for refugees from neighbouring countries, Kenya receives large amounts of remittances. According to UNHCR, 137,400.
