Takaful and Karama one of Egypt’s most cost-effective ways to support vulnerable families

A decade after its launch, Egypt’s Takaful and Karama programme has grown from a basic cash transfer initiative into a wider social protection platform to lift vulnerable families out of poverty. Initially introduced to support low-income households, the program now incorporates education, healthcare, and economic empowerment.

As the program marks its tenth anniversary this month, officials and observers are assessing its long-term impact. Recent developments—such as the adoption of digital Meeza cards and a strengthened grievance system—highlight efforts to improve efficiency and accountability.

With more than three million families reportedly exiting the program due to improved living standards, Takaful and Karama are increasingly being viewed as tools for sustainable development, not just short-term relief.

As Egypt marks this milestone, Guimbert reflects on the program’s journey and impact.

The Takaful and Karama program is one of the most cost-effective ways to support vulnerable families in Egypt. Introducing digital payments via Meeza cards has improved the program's efficiency and financial inclusion, reduced leakages, and enhanced transparency.