o Takaful and Karama program is developed by the Egyptian government as a national targeted Social Safety Network program aimed at protecting the poor through income support.
o Takaful is an income support program (Conditional cash transfer) for families with children (0-18 years), designed to produce human development outcomes. This entails commitments to families regarding child health and nutrition (0-6 years), school enrolment and attendance for children (6-18 years) and maternal care for pregnant and lactating mothers.
o Karama is a social inclusion program (non-conditional cash transfer) for persons who cannot work, specifically the elderly (65+ years of age) and persons with disabilities (50% disability and above) and is designed to provide social protection and decent life for these most vulnerable populations.
o Takaful & Karama was developed based on the latest technologies and with latest innovative tools to help the poor get their cash transfers as fast as possible in an accurate manner.
o the programme links numerous databases for achieving the final integrity of the programme, in registration, poverty scoring, and reviewing the registered families.
o This required implementation of a mega Management Information System and Information Technology platform to support all functions required for the programs operational processes, through a flexible, integrated technology solution.
o Takaful & Karama uses mobile solutions in the registration of households in the program and fully automated backend that manages cross databases checking, Eligibility Checking using the proxy Mean test (PMT), smart card issuing, cash calculating based on the PMT score, Financial Aid Distribution, grievances application, beneficiary management

https://www.efinance.com.eg/en/s/projects/9/takaful-karama

• Egypt