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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.

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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.

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