Explain what the "innovation" is about, e.g., is it the idea and/or the model you use to accomplish the idea, or your understanding of the target population, etc.?
Our first plan is to dramatically scale a proven e-voucher program that reduces financial, transport, and informational constraints to dramatically increase skilled facility-based deliveries in rural Kenya and to evaluate its impact using a randomized study design. We also further innovate and test ways to overcome cultural and gender-based constraints to maternal health care by engaging traditional birth attendants and husbands, and to improve the quality of care by incentivizing community health workers.
In addition, we have developed a microinsurance product that is procured on an individual's phone to overcome the challenge of distributing microinsurance and health services. Individuals who register, get a sequestered "wallet" in their phones in which they can save little by little as they accumulate enough funds, which automatically convert to premium when the set threshold is reached.
Describe how your innovation model is distinct from any other organization in your field?
Our e voucher program replaces conventional paper voucher subsidy programs and reduces administrative costs by almost 50% whilst increasing reach in an unprecedented way.
Our phone based Microinsurance plan enables anyone with a mobile phone and a mobile money account to subscribe and register for insurance; thereby significantly increasing access whilst lowering the affordability barrier by enabling individuals save little by little in a sequestered account.
What type of operating environment and internal organizational factors make your innovation successful?
Over 90% of Kenyans have no access to health insurance or any formal health plan and over 90% of Kenyans have access to mobile phones. The Government has put in place a conducive environment that supports innovation by eliminating taxes on IT hardware.
Changamka is an innovative organization, where new ideas are encouraged and nurtured; and investments made to support new ideas.
How do you make sure you constantly innovate in light of (potential) external challenges, or your growth plan?
Changamka invests heavily in research, monitoring and evaluation. Each of our projects has a research component to ensure that rigorous randomised evaluation is carried out and that results are fed back to ensure continuous improvement