Dr Susan Johnson
3 East 3.32
Tel: +44 (0) 1225 38 6292
My main research interest is in investigating the means through which social and cultural factors influence the economy and in particular how these factors influence the operation of markets in developing countries. I therefore investigate at the boundary of economics and other social sciences, in particular drawing on economic anthropology and economic sociology to investigate the social and cultural dimensions of market transactions and market development. My research can also be characterised as empirically driven and methodologically inductive in seeking to understand this boundary through the study of actually existing markets and the processes through which they are instantiated.
Having started my career as a development practitioner, my priority is research that engages theory with policy and practice. The core focus of my work to date has been on microfinance and the wider financial markets it operates within. I have therefore been engaged with a number of research and action research projects relating to the microfinance sector. More recently through my engagement with the Wellbeing in Developing Countries research programme (WeD) I have considered how markets relate to this wider goal.
- Poverty, inequality, wellbeing and sustainable livelihoods
- Markets - social and cultural dynamics and the role of institutions
- Microfinance and microenterprise
- Gender analysis of development interventions
- Regional focus: Africa – particularly Eastern Africa
- Development management with a particular focus on monitoring, evaluation and impact assessment
- Research methods: use of mixed methods, participatory and qualititative methods
Copestake, J., Greeley, M., Johnson, S., Kabeer, N. and Simanowitz, A., 2005. Money with a mission. Volume 1: microfinance and poverty reduction. Intermediate Technology Publications.
Johnson, S., 2015. Exploring Conceptions of the Social and Solidarity Economy: Informal Financial Groups in Kenya. In: "Homo Oeconomicus, Mulier Solidaria" Une Économie Solidaire Peut-Elle Être Féministe? Geneva: L'Harmattan, pp. 95-122.
Johnson, S., Vujic, S., Storchi, S. and Li, Y., 2015. Financial capability and financial inclusion:measuring the missing ingredient. In: Heyer, A. and King, M., eds. Kenya's Financial Transformation in the 21st Century. Nairobi: Financial Sector Deepening Kenya.
Johnson, S. and Upadhyaya, R., 2015. Transformation of Kenya’s Banking Sector 2000 - 2012. In: Heyer, A. and King, M., eds. Kenya's Financial Transformation in the 21st Century. Nairobi: Financial Sector Deepening Kenya, p. 17.
Johnson, S., 2013. Debt, over-indebtedness and wellbeing: an exploration. In: Guerin, I., Morvant-Roux, S. and Villareal, M., eds. Over-Indebtedness and Financial Inclusion. Routledge.
Banthia, A., Johnson, S., McCord, M. J. and Mathews, B., 2012. Microinsurance that works for women. In: Matul, M. and Churchill, C., eds. Protecting the Poor: A microinsurance compendium.Vol. II. Geneva: ILO, pp. 331-348.
Johnson, S., Malkamaki, M. and Nino-Zarazua, M., 2012. El papel de los grupos informales en los mercados financieros: evidencias de Kenia. In: Villareal, M. and Angulo, L., eds. Las microfinanzas en los intersticios del desarrollo. Guadalajara, Jalisco, Mexico: Gobierno de Jalisco, Secretaría General de Gobierno, Dirección de Publicaciones; Universidad Pedagogica Nacional Unidad Gdl; CIESAS Juares 87; Secretaria de Promocion Economica, pp. 139-170.
Johnson, S. and Sharma, N., 2007. ‘Institutionalizing suspicion’: The management and governance challenge in user-owned microfinance groups. In: Dichter, T. and Harper, M., eds. What’s Wrong with Microfinance. Rugby, UK: Practical Action Publishing.
Copestake, J. G., Johnson, S. and Wright-Revolledo, K. E., 2005. Impact assessment of microfinance:towards a new protocol for collection and analysis of qualitative data. In: Holland, J. and Campbell, J., eds. Methods in Development Research. Rugby, U. K.: ITDG Publishing.
Johnson, S., Hulme, D. and Ruthven, O., 2005. Finance and Poor People's Livelihoods. In: Finance and Development: Surveys of Theory, Evidence and Policy. Green, Christopher J. Kirkpatrick, Colin H. Murinde, Victor, eds., Cheltenham, U.K. and Northampton, Mass.: Elgar. , pp. 277-303.
Johnson, S. and Nakayenga, R., 2005. Institutionalising feedback from clients using credit association meetings: the experience of FOCCAS, Uganda. In: Brody A,, Greeley M, and K, W.-R., eds. Money with a Mission (Volume 2): Managing the Social Performance of Microfinance. Rugby: ITDG Publishing.
Johnson, S., 2005. Rural Financial Markets. In: Green, C. J., Kirkpatrick, C. H. and Murinde, V., eds. Finance and Development: Surveys of Theory, Evidence and Policy. Cheltenham, U.K. and Northampton, Mass: Elgar, pp. 315-332.
Johnson, S., Mule, N., Hickson, R. and Mwangi, W., 2003. The Managed ASCA Model: Innovation in Kenya's Microfinance Industry. In: Harper, M., ed. Microfinance: Evolution, Achievements and Challenges. ITDG Publishing.
Johnson, S., Doyle, K., Emrul Hasan, M., Jimenez, E. and Kidder, T., 2001. Stormy weather: microfinance, shocks and the prospects for sustainability. In: Lewis, D. and Wallace, T., eds. New Roles and Relevance: Development NGOs and the Challenge of Change. Bloomfield: Kumarian Press, pp. 121-131.
Johnson, S. and Rasulova, S., 2017. Qualitative research and the evaluation of development impact:incorporating authenticity into the assessment of rigour. Journal of Development Effectiveness
Garikipati, S., Johnson, S., Guérin, I. and Szafarz, A., 2017. Microfinance and gender:issues, challenges and the road ahead. The Journal of Development Studies, 53 (5), pp. 641-648.
Johnson, S., 2017. “We don’t have this is mine and this is his”:managing money and the character of conjugality in Kenya. Journal of Development Studies, 53 (5), pp. 755-768.
Johnson, S. and Williams, R., 2016. The political economy of financial inclusion: tailoring donor policy to fit. Development Policy Review, 34 (5), pp. 721-743.
Johnson, S., 2016. Competing visions of financial inclusion in Kenya:the rift revealed by mobile money transfer. Canadian Journal of Development Studies, 37 (1), pp. 83-100.
Copestake, J., Johnson, S., Garcia Cabello, M., Goodwin-Groen, R., Gravesteijn, R., Humberstone, J., Nino-Zarazua, M. and Titus, M., 2016. Towards a plural history of microfinance. Canadian Journal of Development Studies, 37 (3), pp. 279-297.
Johnson, S., 2014. Development numbers:The political economy of data production from 'above' and 'below'. Enterprise Development and Microfinance, 25 (2), pp. 179-182.
Johnson, S., 2013. From microfinance to inclusive financial markets:The challenge of social regulation. Oxford Development Studies, 41 (S1), S35-S52.
Johnson, S. and Arnold, S., 2012. Inclusive financial markets: is transformation under way in Kenya? Development Policy Review, 30 (6), pp. 719-748.
Johnson, S. and Nino-Zarazua, M., 2011. Financial access and exclusion in Kenya and Uganda. The Journal of Development Studies, 47 (3), pp. 475-496.
Johnson, S., Arvind, A. and Assadi, D., 2010. Online or offline?: The rise of "peer-to-peer" lending in microfinance. Journal of Electronic Commerce in Organisations, 8 (3), pp. 26-37.
Johnson, S., 2009. Microfinance is dead! Long live microfinance! Critical reflections on two decades of microfinance policy and practice. Enterprise Development and Microfinance, 20 (4), pp. 291-303.
Johnson, S., Anyango, E., Esipisu, E., Malkamaki, M., Musoke, C. and Opoku, L., 2007. Village Savings and Loan Associations: experience from Zanzibar. Small Enterprise Development Journal, 18 (1), pp. 11-24.
Johnson, S., Malkamaki, M. and Wanjau, K., 2006. Tackling the ‘frontiers’ of microfinance in Kenya: the role for decentralized services. Small Enterprise Development Journal, 17 (3).
Johnson, S., 2005. Fragmentation and Embeddedness: An Alternative Approach to the Analysis of Rural Financial Markets. Oxford Development Studies, 33 (3-4), pp. 357-375.
Johnson, S., 2005. Gender Relations, Empowerment and Microcredit: Moving on from a Lost Decade. European Journal of Development Research, 17 (2), pp. 224-48.
Johnson, S., 2004. Gender norms in financial markets: Evidence from Kenya. World Development, 32 (8), pp. 1355-1374.
Johnson, S., 2004. 'Milking the elephant': Financial markets as real markets in Kenya. Development and Change, 35 (2), pp. 247-274.
Johnson, S., 2004. The impact of microfinance institutions in local financial markets: a case study from Kenya. Journal of International Development, 16 (3), pp. 501-517.
Johnson, S., Mule, N., Hickson, R. and Mwangi, W., 2002. The Managed ASCA Model: Innovation in Kenya’s Microfinance Industry. Small Enterprise Development Journal, 13 (2), pp. 56-66.
Copestake, J., Bhalotra, S. and Johnson, S., 2001. Assessing the impact of microcredit: A Zambian case study. The Journal of Development Studies, 37 (4), pp. 81-100.
Johnson, S., 2000. Gender Impact Assessment in Microfinance and Microenterprise: why and how? Development in Practice, 10 (1), pp. 89-93.
Johnson, S. and Kidder, T., 1999. Globalization and gender - dilemmas for microfinance organizations. Small Enterprise Development, 10 (3), pp. 4-15.
Johnson, S., 1999. New economy, new equality? A feminist perspective on progress. New Economy, 6 (2), pp. 110-114.
Johnson, S., 1998. Programme Impact Assessment in Microfinance:the Need for Analysis of Real Markets. IDS Bulletin - Institute of Development Studies, 29 (4), pp. 21-30.
Johnson, S., 1998. Microfinance North and South: Contrasting Current Debates. Journal of International Development, 10 (6), pp. 799-810.
Copestake, J., Garcia Cabello, M., Goodwin-Groen, R., Gravesteijn, R., Humberstone, J., Johnson, S., Nino-Zarazua, M. and Titus, M., 2015. Towards a plural history of microfinance. Working Paper. Bath: Centre for Development Studies, University of Bath. (Bath Papers in International Development and Wellbeing; 40)
Johnson, S., 2015. Capacities to Aspire and Capacities to Save: A Gendered Analysis of Motivations for Liquidity Management. Financial Sector Deepening Kenya.
Johnson, S., 2015. Informal Financial Practices and Social Networks: Transaction Genealogies. Financial Sector Deepening Kenya.
Johnson, S. and Boulton, J., 2014. Impact Assessment of Financial Market Development Through the Lens of Complexity Theory. Financial Sector Deepening Kenya.
Johnson, S., Malkamaki, M. and Nino-Zarazua, M., 2010. The role of informal groups in financial markets:evidence from Kenya. Working Paper. Bath, U. K.: Centre for Development Studies, University of Bath. (Bath Papers in International Development; BPD7)
Johnson, S. and Nino-Zarazua, M., 2009. Financial Access and Exclusion in Kenya and Uganda. Working Paper. Bath: Centre for Development Studies, University of Bath. (Wellbeing in Developing Countries (WeD) Working Papers; Bath Papers in Inter)
Johnson, S., 2009. Polanyi and the instituted processes of markets: Introducing a wellbeing perspective. Working Paper. Bath, UK: University of Bath/Wellbeing in Developing Countries Research Group. (Wellbeing in Developing Countries (WeD) Working Papers; WeD Working Paper 09)
Johnson, S., 2007. The role of markets in the construction of wellbeing: The need for a Polanyian perspective. Working Paper. Bath, UK: University of Bath/Wellbeing in Developing Countries Research Group. (Wellbeing in Developing Countries (WeD) Working Papers; WeD Working Paper 42)
Johnson, S., Malkamaki, M., Mukwana, P. and Wanjau, K., 2002. One step beyond: Challenges and opportunities in promoting quality financial services in remoter areas. Working Paper. Nairobi: MicroSave.
Johnson, S., 2001. Finca Malawi Impact Assessment Research :Working Paper 5: Qualitative Case Studies in Central Region: Final Report. Working Paper. Centre for Development Studies, Department of Economics and International Development, University of Bath, UK.
Johnson, S., 2001. From fragmentation to embeddedness: towards an institutional analysis of financial markets. Working Paper. Manchester: University of Manchester, IDPM. (FDRP Working Paper; 29)