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Using group based micro credit (collateral free) to stimulate caregivers/communities to proactively seek out vaccination services.

Photo of Isa Daniel

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Describe what you intend to do and how you'll do it in one sentence (required 250 Characters)

VacciPlus aims to use micro credit to motivate caregivers in the rural areas who are unaware of immunization or facing financial/physical difficulties which prevent them from accessing vaccination services.

Explain the idea (less than 2,000 characters)

In places like sub-Saharan Africa 1 in 5 children do not receive life-saving vaccination with the hardest to reach communities being most at risk of vaccine-preventable diseases. National agencies often cite low demand by caregivers as a result of lack of awareness or caregivers being physically or economically constrained. Caregivers who live in rural areas tend to be engaged in subsistence farming or livestock rearing. These target caregivers (aged between 16 to 40) also stay in areas where the immunization rate is lower than the national average and not surprisingly access to micro credit is low or non-existent. VacciPlus enables these caregivers to access micro-credit without the need for any credit history or collateral. The overall benefit as seen in other developing countries like Bangladesh is that there is a noticeable increase in the vaccination rate of children. Other benefits include increased economic security and physical mobility for these caregivers as well as being financially empowered to seek further medical services. For a caregiver to access VacciPlus they first have to be part of a credit groups in their respective community. Being a member of this group, the caregivers are taught financial strategies on how to save, income-generating strategies and also learn techniques of preventing oneself from being a defaulter. The main selection criteria for joining the group is that the caregiver should ensure their ward/children have received all available vaccinations. Seeking out other medical services can also be added as a means of obtaining higher credit.

Which part(s) of the world does this idea target?

  • North Africa
  • Eastern Africa
  • Middle Africa
  • Southern Africa
  • Western Africa
  • Caribbean
  • Central America
  • South America
  • South-eastern Asia

Geographic Focus (less than 250 Characters)

Africa (East & West)

Who are your end users and how well do you know them? (750 characters)

Being a product developer for the last 8 years who is focused on solving the key problems on the African continent I have developed a good methodology based on the human-centered design which enables me to elicit requirements and identify pain points in order to build custom made solutions which address their pain points.

How is the idea unique? (750 Characters)

The idea of using micro credit to stimulate caregivers in Africa is new. I will be leveraging my fintech skill set which was developed whilst building a micro credit scheme for African SME's. In other similar markets like Bangladesh, where micro credit was used as an incentive for caregivers it was noticed that the vaccination rate significantly increased in the space of one year.

Idea Proposal Stage (Select 1)

  • Prototype: We have done some small tests or experiments with prospective users to continue developing the idea.

How many months are required for the project idea? (140 characters)

By the end of year one VacciPlus target communities will attain a 10-18% increase in vaccination rates.

Organization Name (less than 140 characters)


Type of Submitter

  • We are not yet a registered organization but plan to in future

Organizational Characteristics

  • Indigenous-led organization
  • Youth-led organization

Organization Location (less than 140 Characters)

Abuja, Nigeria

What is the current scale of your organization’s work?

  • National (expansive reach within one country)

Website URL

Tell us more about your organization/company (1-2 sentences)

VacciPlus sole aim is to increase the vaccination rate via the provision of micro-credit to caregivers.

Who will work alongside your organization in the project idea? (750 characters)

The key partners needed for a successful launch of VacciPlus are NGO's who focus on these caregivers and local microfinance institutions. The NGO's will assist in setting up the credit groups whilst the micro-finance institutions will come on-board as lenders to the groups. We have already on-boarded an NGO called Shinning Light and they are willing to partner with us for a pilot in Northern Nigeria.

How many people are on your team?


Tell us more about you and your team

Dan is a multiple award-winning (Microsoft & Airtel) product developer offering vast experience leveraging product development and engineering methodologies to deliver cost-effective and creative solutions to challenges on the African continent. Ivy is a social care worker who over the last 6 years has been working closely with rural women in Northern Nigeria in order to tackle issues ranging from child marriage to family planning. Vivian is a health care worker who has been working closely at the grass root level to train midwifes across Nigeria to deliver quality integrated reproductive health services in rural areas.

Attachments (1)


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Photo of Isaac Jumba

Hi Isa Daniel 

Great to have your idea on refinement and to read through the comments. As the refinement phase closes, remember to update your submission with the additional needed information on your business model, the user experience journey, any learnings from refinement and answering the additional questions.

Photo of Joost Schouten

Hi Isa, we also focus on micro credit to stimulate demand. Our take is slightly different as it focuses on the tech, as well as what the credit can be used for. Have you considered this as well?

Photo of Isa Daniel

Hi Joost Schouten ,

Our tech aspect covers the community lending and savings modules, with a key component being focused on the loan repayments. In terms of use of the micro credit, it varies from one community to another depending on the economic activities that are viable in that particular community.

Warm regards,

Photo of Isa Daniel

Hi Isaac Jumba ,

Thanks for the heads up concerning the user journey, I'm currently working on it using the material you sent and I will upload it during the week.

Concerning on-boarding more team members, it would be awesome to get member of the IDEO community involved. Any thoughts on how to go about this ?

Lastly, the ideal partners would be local NGO's and international agencies like UNICEF & UKAID.

Photo of Isaac Jumba

Hi Isa Daniel as the ideas phase come to a close in a few days, it will be great to keep updating your idea ( especially with a user journey) to help the community visualize the journey of your users.

Also what are your strategies around onboarding more team members to help out with the implementation of the idea and what organizations are you hoping to partner with for the challenge, as you are not yet registered.

Great to see how the idea is already evolving!

Photo of Anne-Laure Fayard

Isa Daniel thank you for sharing your idea. It's great to see you using your previous experience to address this challenge. You raise an interesting point about costs but I wondered if cost is the main issue. May I ask you if vaccinations have to be paid by individuals / families? Aren't they subsidize by the government or other agencies? Again I have to admit that I ignore the context. Isaac Jumba Manisha Laroia might be able to provide extra information. I really like the community aspect that you're bringing in your idea, and how you are using this to create increased accountability. I wonder though what would be the incentive for caregivers to take a credit to pay for vaccination. Sorry if my questions show my lack of contextual knowledge and thank you in advance for providing me complementary information. Good luck refining your idea!

Photo of Isaac Jumba

Hi Isa Daniel , great seeing your idea, and how it intends to help caregivers to proactively seek immunization services. As Anne-Laure Fayard  pointed out, it might be great to provide more clarity on:
1. What the use of the micro-credit will be since lots of the vaccinations are free of charge (especially in Kenya)
2. What light experiment can you carry out to test your idea in the next coming days. It might be helpful to focus on a specific region for this.

The user journey map ( is a useful tool you can use to help the community visualize your idea, as well as the Demand for Health Services Field Guide.

Photo of Isa Daniel

Thanks Anne-Laure Fayard for the insightful feedback. The use of the micro-credit is solely for business related costs (buying inventory/raw materials, stall rent) in order to run a retail outlet, agro processing plant or a water distribution service. The value of the credit being availed to them is around $100 and repayment schedule is based on flexible weekly payments. So the first round of credit is primarily for setting-up/running a business, after the loan has been paid back they become eligible for personal loans averaging $30 which can be used to take care personal needs.

Hope this sheds more light ? I will amend the contribution to include more on the use of credit.

Photo of Isa Daniel

Isaac Jumba Thanks for the feedback. I will definitely update the contribution to shed more light on the use of the micro credit and the pilot case study.

Photo of Anne-Laure Fayard

Thank you Isa Daniel for this clarification. Based on Isaac Jumba on the fact that most vaccinations are free, you might also want to clarify how the micro-loans will support the growth of the demand side for immunization. Thank you!

Photo of Isa Daniel

Anne-Laure Fayard  Sure thing. The micro-credit model is based entirely upon the community/group with the main entry criteria being that all the caregiver's children/ward have taken all available immunizations or currently undergoing an immunization schedule. Being a group based model, peer pressure, word of mouth and also interventions enable each member to seek out all available immunization services thereby increasing the demand for immunization (plus other medical services). These members also become champions of immunization in their local environments and help to on-board new members to the group.