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.

References
World Bank. 2015. International Bank For Reconstruction And Development Project Appraisal Document On A Proposed Loan In The Amount Of USD400 Million To The Arab Republic Of Egypt For A Strengthening Social Safety Net Project March 20, 2015. Washington, DC: World Bank. Accessed 15 February 2016. <http://www-wds.worldbank.org/external/default/WDSContentServer/ WDSP/IB/2015/03/25/000477144_20150325145541/Rendered/PDF/PAD6110PAD0P14010 Box385454B00OUO090.pdf>.
Country
Geographic area
Previous programme name (if any)
 
Start date
2015
References
Government of Egypt. 2015. Egypt’s Five Year Macroeconomic Framework and Strategy FY14/15–FY18/19. Cairo: Ministry of Finance. Accessed 15 February 2016. <http://www.mof.gov.eg/MOFGallerySource/English/Strategy.pdf>.
Programme components
Takaful: conditional cash transfer; Karama: unconditional cash transfers
References
Government of Egypt. 2015. Egypt’s Five Year Macroeconomic Framework and Strategy FY14/15–FY18/19. Cairo: Ministry of Finance. Accessed 15 February 2016. <http://www.mof.gov.eg/MOFGallerySource/English/Strategy.pdf>.
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.
References
World Bank. 2015. International Bank For Reconstruction And Development Project Appraisal Document On A Proposed Loan In The Amount Of USD400 Million To The Arab Republic Of Egypt For A Strengthening Social Safety Net Project March 20, 2015. Washington, DC: World Bank. Accessed 15 February 2016. <http://www-wds.worldbank.org/external/default/WDSContentServer/ WDSP/IB/2015/03/25/000477144_20150325145541/Rendered/PDF/PAD6110PAD0P14010 Box385454B00OUO090.pdf>.
Contribution type and amount
 
Targeting methods
Proxy Means Test
Geographical Targeting
Self-Targeting
References
Government of Egypt. 2015. Egypt’s Five Year Macroeconomic Framework and Strategy FY14/15–FY18/19. Cairo: Ministry of Finance. Accessed 15 February 2016. <http://www.mof.gov.eg/MOFGallerySource/English/Strategy.pdf>. World Bank. 2015. International Bank For Reconstruction And Development Project Appraisal Document On A Proposed Loan In The Amount Of USD400 Million To The Arab Republic Of Egypt For A Strengthening Social Safety Net Project March 20, 2015. Washington, DC: World Bank. Accessed 15 February 2016. <http://www-wds.worldbank.org/external/default/WDSContentServer/ WDSP/IB/2015/03/25/000477144_20150325145541/Rendered/PDF/PAD6110PAD0P14010 Box385454B00OUO090.pdf>.
Targeted 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
References
World Bank. 2015. International Bank For Reconstruction And Development Project Appraisal Document On A Proposed Loan In The Amount Of USD400 Million To The Arab Republic Of Egypt For A Strengthening Social Safety Net Project March 20, 2015. Washington, DC: World Bank. Accessed 15 February 2016. <http://www-wds.worldbank.org/external/default/WDSContentServer/ WDSP/IB/2015/03/25/000477144_20150325145541/Rendered/PDF/PAD6110PAD0P14010 Box385454B00OUO090.pdf>.
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
References
World Bank. 2015. International Bank For Reconstruction And Development Project Appraisal Document On A Proposed Loan In The Amount Of USD400 Million To The Arab Republic Of Egypt For A Strengthening Social Safety Net Project March 20, 2015. Washington, DC: World Bank. Accessed 15 February 2016. <http://www-wds.worldbank.org/external/default/WDSContentServer/ WDSP/IB/2015/03/25/000477144_20150325145541/Rendered/PDF/PAD6110PAD0P14010 Box385454B00OUO090.pdf>.
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).
References
World Bank. 2015. International Bank For Reconstruction And Development Project Appraisal Document On A Proposed Loan In The Amount Of USD400 Million To The Arab Republic Of Egypt For A Strengthening Social Safety Net Project March 20, 2015. Washington, DC: World Bank. Accessed 15 February 2016. <http://www-wds.worldbank.org/external/default/WDSContentServer/ WDSP/IB/2015/03/25/000477144_20150325145541/Rendered/PDF/PAD6110PAD0P14010 Box385454B00OUO090.pdf>.
Payment/delivery frequency
Takaful: quarterly; Karama: monthly
References
World Bank. 2015. International Bank For Reconstruction And Development Project Appraisal Document On A Proposed Loan In The Amount Of USD400 Million To The Arab Republic Of Egypt For A Strengthening Social Safety Net Project March 20, 2015. Washington, DC: World Bank. Accessed 15 February 2016. <http://www-wds.worldbank.org/external/default/WDSContentServer/ WDSP/IB/2015/03/25/000477144_20150325145541/Rendered/PDF/PAD6110PAD0P14010 Box385454B00OUO090.pdf>.
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.
References
World Bank. 2015. International Bank For Reconstruction And Development Project Appraisal Document On A Proposed Loan In The Amount Of USD400 Million To The Arab Republic Of Egypt For A Strengthening Social Safety Net Project March 20, 2015. Washington, DC: World Bank. Accessed 15 February 2016. <http://www-wds.worldbank.org/external/default/WDSContentServer/ WDSP/IB/2015/03/25/000477144_20150325145541/Rendered/PDF/PAD6110PAD0P14010 Box385454B00OUO090.pdf>.
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.
References
Government of Egypt. 2015. Egypt’s Five Year Macroeconomic Framework and Strategy FY14/15–FY18/19. Cairo: Ministry of Finance. Accessed 15 February 2016. <http://www.mof.gov.eg/MOFGallerySource/English/Strategy.pdf>. World Bank. 2015. International Bank For Reconstruction And Development Project Appraisal Document On A Proposed Loan In The Amount Of USD400 Million To The Arab Republic Of Egypt For A Strengthening Social Safety Net Project March 20, 2015. Washington, DC: World Bank. Accessed 15 February 2016. <http://www-wds.worldbank.org/external/default/WDSContentServer/ WDSP/IB/2015/03/25/000477144_20150325145541/Rendered/PDF/PAD6110PAD0P14010 Box385454B00OUO090.pdf>.
Programme expenditure
The programme’s annual expenditure is expected to be EGP10.89 billion (USDD1.46 billion) by 2017
References
World Bank. 2015. International Bank For Reconstruction And Development Project Appraisal Document On A Proposed Loan In The Amount Of USD400 Million To The Arab Republic Of Egypt For A Strengthening Social Safety Net Project March 20, 2015. Washington, DC: World Bank. Accessed 15 February 2016. <http://www-wds.worldbank.org/external/default/WDSContentServer/ WDSP/IB/2015/03/25/000477144_20150325145541/Rendered/PDF/PAD6110PAD0P14010 Box385454B00OUO090.pdf>.
Institutions and agencies involved
Government of Egypt; Ministry of Social Solidarity (MoSS); World Bank
Monitoring and evaluation mechanisms and frequency