Country of Operation
- Apps4Africa ProjectNot-for-profit
Target income level
- Lower-middle income (20-40%)
- Middle-income (40-60%)
SummaryMamakiba, which means mother and savings, is a health financial services suite designed and developed by Multiple Choices Labs.
The target customers are pregnant women in peri-urban areas who have cell phones linked to Mpesa accounts, save for their pregnancy, and cannot afford expensive services at premiere hospitals but desire an alternative to government hospitals (where long waits and poor customer service are key issues) and private local clinics (where qualification of medical personnel is unreliable).
Future applications of this messaging protocol can be extended into patient outreach and education by providing health education and counselling for individualized and general SMS-based alerts. Patients could possibly subscribe to a health education SMS program that has minimal cost or is ad-sponsored to cover messaging costs.
Key program components
Mamakiba addresses two particular areas of the customer’s financial planning needs in having a baby, which are establishing and maintaining a savings target for maternal healthcare costs and prepaying towards this target in a convenient way using Mpesa. The customer registers at the Jacaranda Health clinics during the first visit by opening an electronic medical record, which simultaneously registers her for Mamakiba should she wish to join. If she opts into Mamakiba, she also provides- her savings target, which is tied into the Jacaranda Health bundled services including the WHO recommended 4 ANC visits, lab tests, health counseling and normal delivery or emergency treatment; the amount she can deposit per period; the frequency of the deposit periods and; validation of an Mpesa account. If she does not own one, she could possibly activate the Mpesa account through the Jacaranda Health registration process or return later to opt into Mamakiba after registering with an Mpesa agent. After she has opted into Mamakiba, the savings calculator estimates two amounts a) the total amount she needs to save for the selected bundled service and b) the minimum amount she needs to deposit to savings prior to the next ANC visit. Taking into account the customer’s specified periodic deposit amount and deposit period frequency values, the rules engine calculates the minimum periodic amount she needs to save to reach her overall target and the minimum amount she must deposit towards her first ANC visit along with the date of the visit. When she returns home, she begins to receive two kinds of SMS. She receives an SMS alert that reminds her to start saving the calculated amount, at the start of the specified period and an SMS savings deposit prompt of the calcuated amount, at the end of the period. She makes the deposit through Mpesa and this amount is updated to the patient’s electronic medical record automatically. Each time she makes any deposit, she receives an SMS confirmation of the deposited amount, her new total savings to date and remaining balance to meet the overall target.