Research Interests
Development economics; agricultural economics; digital economy; digital financial services; sustainable digital finance; finance for development; consumer protection; digital literacy; smallholder agriculture; risk attitudes; policy impact; field experiments.Education
University of Göttingen, Göttingen, GermanyPhD Candidate in Economics (Dr. rer. pol.), profile in Agricultural and Development Economics. Dissertation: Beyond Financial Inclusion to Financial Health: Evidence from Field Experiments in Kenya and Comparative Studies in Mali, India, and Indonesia. Dissertation committee: Professors Oliver Musshoff, Liesbeth Colen, and Daniel Hermann; Assistant Professor Dr. Selina Bruns.
2022 – present
University of Göttingen & University of Kassel, Göttingen/Kassel, Germany
MSc in Sustainable International Agriculture, focus in International Agribusiness and Rural Development Economics. Thesis: Digital Credit Uptake among Rural Women: Evidence from Kenya. Committee: Oliver Musshoff; Constantin Johnen.
2018 – 2021
Kenya Methodist University, Meru, Kenya
BSc in Agriculture, profile in Agricultural Sciences. Thesis: Effects of Phosphate Fertilizers on the Growth of Chelalang, Tasha, and Ciankui Bean Varieties in Meru County. Supervisor: Alfred Peter Kamau.
2011 – 2015
Appointments, Projects, Publications
University of Göttingen, Göttingen, GermanyResearch Associate. Lead researcher, Consumer protection in digital financial solutions in Kenya.
2022 – present
Mainlevel Consulting AG, Eschborn, Germany
Consultancy Assistant, CPE report analysis.
Dec 2021 – Feb 2022
University of Göttingen, Göttingen, Germany
Graduate Research Assistant, Department of Agricultural Economics.
2019 – 2022
United Nations Graduate Study Program (GSP59), Geneva, Switzerland
Apprenticeship/Graduate Study Program participant.
Apr 2021 – Jul 2021
Kenya Methodist University, Meru, Kenya
Corporate Communication, Marketing and Alumni Coordination officer
Jul 2015 – Sep 2018
Ministry of Agriculture, SCAO Sub-section, Meru, Kenya
Intern.
Oct 2014 – Jun 2015
Kenya Methodist University Students Association (KeMUSO), Meru, Kenya
President. Apr 2013 – May 2014
Research Projects and Comparative Studies
• Comparative studies on digital financial inclusion and smallholder risk attitudes: Kenya, India, and Indonesia (2023 – 2025).
• Digital literacy and rural empowerment: comparative analysis in Kenya and Mali (2023 – 2025).
• PhD dissertation: Beyond Financial Inclusion to Financial Health: Evidence from Field Experiments in Kenya and Comparative Studies in Mali, India, and Indonesia (2022 – present).
Research and Field Experience
• Co-led a PhD research team on digital financial inclusion in Kenya, including survey design, staff training, and largescale primary data collection (2020).
• Co-led a PhD research team on land-use systems and certification in the Rwandan coffee sector, including Fairtrade and Rainforest Alliance assessments (2019).
Publications: Peer-reviewed
• Nsengumuremyi, A. (2025). Financial Inclusion along the Rural–Urban Continuum: Evidence from a Decomposition Analysis in Kenya, 2012–2021. World Development, 194: 107073. doi. Co-authored with Johnen, C., Mader, A., Musshoff, O.
• Nsengumuremyi, A. (2025). A Cross-country Comparison of Smallholder Farmers’ Risk Attitudes. Applied Economics Letters, 1–6. doi. Co-authored with Wever, H., Reich, C. E., Bruns, S., Bonke, V., Michels, M., Musshoff, O.
Publications: Policy briefs
• Nsengumuremyi, A. (2025). How to Make Mobile Money and Digital Financial Services Work for Consumers: Lessons from Kenya. IDOS Policy Brief 10/2025. Co-authored with Sommer, C., Mader, A., and Musshoff, O. doi
Publications: Preprints
• Nsengumuremyi, A. (2025). The Role of Trust in Digital Credit Adoption by Kenyan Smallholders. Preprint. Co-authored with Wever, H., Bonke, V., Marius, M., and Musshoff, O. doi
Teaching
University of GöttingenKenya Methodist University
Conferences, Affiliations, Skills
Conferences, Trainings & Certifications• Roundtable & Book Launch — German Institute for Development and Sustainability (IDOS), SOAS Centre for Sustainable Finance, and GIZ; Sustainable Digital Finance, Bonn, Germany, October 8, 2025. doi
• Trained at the Chicago School in Experimental Economics (CSEE 2025), Univ. of Chicago & IZA; participant, September 2025. Program: Program page
• Trained in ESG Analysis — Sustainable Investment: Measurement & Impact (MIT Sloan mini-course, instr. Prof. Florian Berg), SAFE / Goethe Univ. Frankfurt (July 2025). Program page
• Certification: Quality Assurance, Food Safety, and Marketing of Organic Agricultural Products (DITSL; EU & USNOP) (2020).
• United Nations Graduate Study Program (GSP59), UN Geneva (2021) — selected participant; post-COVID reset, resilience, recovery.
Professional Affiliations and Scholarships
• Member of the Agricultural Economics Society (since 2025)
• Board Member, IBUKA-Deutschland e.V. 2025
Non-profit organization commemorating the 1994 genocide against the Tutsi in Rwanda and advocating for survivors. Contribute to strategic planning, community outreach, and human rights education.
• Member of the European Association of Agricultural Economists (since 2024)
• Member of the Agricultural and Applied Economics Association (since 2023)
• Received KeD STUBE Niedersachsen BPSA scholarship (2020)
• Granted the KeMUDA excellence scholarship, Methodist University Development Association (2012 to 2015)
Skills
• Methods: field experiments; randomized trials; impact evaluation; survey design; program evaluation.
• Software: Stata; QGIS; LATEX; Microsoft Office; basic Python and R for machine learning.
• Data collection: KoboToolbox; ODK; SurveyCTO.
• Communication: academic and applied research; consulting; teaching; training.