Ramji Upadhyaya

Biographic Data

ID106376
NAMERamji Upadhyaya
GIVEN NAMESRamji
FAMILY NAMEUpadhyaya
SIGNATUREUPADHYAYA R
AFFILIATIONSUniversity of Nairobi
ORCID0000-0002-6074-2052
VERIFIEDYes
TOTAL WORKS6
TOTAL CITATIONS0
WORKS AS AUTHOR6
WORKS AS EDITOR0
FIRST PUBLICATION YEAR2003
LATEST PUBLICATION YEAR2025
H-INDEX0

  • Harambee Co-operative Savings and Credit Society

    Open AccessJustin Willis, Ramji Upadhyaya et al.ARTICLEThe Journal of African History2025

    How should we understand 1970s Kenya, with its combination of inequality and relative political stability? This article offers a new perspective on that by following the early history of the Harambee Co-operative Savings and Credit Society—the most prominent of many such societies that grew in those years. The rise and crisis of this co-operative provides evidence of mismanagement and the pursuit of personal advantage—but also suggests that civil…

  • Digital credit providers, regulatory frameworks, and structural power

    Open AccessRamji Upadhyaya, Keren Weitzberg et al.ARTICLEFinance and Society2025References: 34

    Digital credit - short-term microcredit distributed over a digital platform, such as a mobile phone - has become hugely popular in Kenya, with over six million Kenyans having taken out at least one digital loan over the last decade. While there is a small but growing body of literature on the problems associated with digital credit (such as its high costs and contributions to over-indebtedness), far less attention has been paid to the regulatory …

  • Varieties of capitalism and patient capital in developing and emerging economies

    Open AccessFlorence Dafe, Ramji UpadhyayaARTICLESocio-Economic Review2024References: 35

    Patient capital (PC) has gained traction in discussions about how finance can better serve society. While PC is a central concept in comparative political economy (CPE), this literature has focused on advanced economies in conceptualizing PC and we know little about the conditions under which PC leads to positive outcomes. We extend the conceptualization of PC to enhance its relevance for developing and emerging economies (DEEs) and examine who p…

  • The financial sector

    Ramji Upadhyaya, Radha Upadhyaya et al.CHAPTEROxford Handbook of Kenyan Politics2020

    This chapter traces the evolution of the financial sector in Kenya over the last 10 years. While the rise of Equity Bank and M-Pesa—a mobile money, transfer, financing, and microfinancing service—has led to Kenya being viewed as a champion in the financial inclusion agenda, we show that the story of financial reform has been complex and at times contradictory. In the 1980s and 1990s, liberalization did not lead to the fruits expected in terms of …

  • The role of networks in determining usage of community currencies in Kenya

    Janet Muthoni Kiguru, Ramji UpadhyayaARTICLEArea Development and Policy2019References: 12

    Past studies have attributed the usage of community currencies to government support, community solidarity, business networks and social networks. Using a mixed-methods approach, this paper examines the role of networks in determining the usage of community currencies in an ethnically heterogeneous community. It argues that while networks are important in determining the usage of community currencies, it is not the presence of networks per se tha…

  • Lost Songs of the Silk Road

    David R Henderson, Kayhan Kalhor et al.ARTICLEEthnomusicology2003