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Takaful and Karama (Solidarity and Dignity)
Programme
Country
Geographic area
Takaful and Karama
Egypt
Middle East and North Africa
Previous programme name (if any)
Start date 2015 1
Programme objectives
Takaful aims to promote children’s human development through
health- and education-related conditional cash transfers.
Karama aims to promote social inclusion among elderly people
and people with disabilities, through an unconditional cash transfer. 2
Programme type
Conditional and unconditional cash transfers.
Programme components Takaful: conditional cash transfer; Karama: unconditional cash transfers 1
Conditionalities (if any)
Takaful: children aged 0–6 years and mothers must make two visits
to health clinics per year and attend nutrition awareness sessions.
Mothers must maintain their child’s growth-monitoring records and
ensure regular immunisation and antenatal and post-natal care. 2
Targeting methods Geographical targeting; proxy means-testing; self-targeting 1,2
Target areas
In the roll-out phase, the programme focused on 19 poorest
districts (with a poverty rate of 60 per cent and over), located
in the Upper Egypt region. 2
Target groups
Takaful: children; Karama: elderly people and people with disabilities.
Eligibility criteria
Takaful: children under 18 years old from poor households; Karama:
poor elderly people (65 years and older) and people with severe/
permanent disabilities. 2
Eligibility reassessment (if any)
Type of benefits
Cash
Amount of benefits
Takaful: benefits range from EGP325 (USDD44) to EGP625 (USDD84)
per household per month depending on the number of children;
higher incentives are provided for children enrolled in higher grades
Karama: benefits range from EGP350 to EGP1050 (USDD140) per
household per month (maximum of 3 beneficiaries per household). 2
Payment/delivery frequency Takaful: quarterly; Karama: monthly 2
Benefit delivery mechanism
Beneficiary families may collect their benefits using Takaful and Karama
Smart Cards at automated teller machines (ATMs) or in person at a post
office or at Ministry of Social Solidarity’s units. 2
Benefit recipients
Minimum and maximum
duration of benefits (if any)
Coverage
In the roll-out phase, 0.5 million households were enrolled in the
programme, which is expected to reach a coverage of 1.5 million
households by the end of 2017. 1,2
Programme expenditure
The programme’s annual expenditure is expected
to be EGP10.89 billion (USDD1.46 billion) by 2017. 2
Institutions and agencies involved Government of Egypt; Ministry of Social Solidarity (MoSS); World Bank
Monitoring and evaluation
mechanisms and frequency
See the references on page 169: Takaful and Karama (Solidarity and Dignity)
Social Protection in Africa: inventory of non-contributory programmes | 43