Ashoka Fellow
Fellow Since 2013
Mutuelle de santé Oyofal Paj de Kaolack


This profile was prepared when LOBE CISSOKHO was elected to the Ashoka Fellowship in 2013.
The New Idea
Lobé realized that most rural women could not repay their microcredit loans because they spent most of their money on healthcare costs rather than on income-generating activities. This limited their ability to save and without saving, poverty remains widespread in their communities.

Through a memorandum of understanding, mutual institutions partner to share operating costs and adopt a common goal of access to healthcare and an improvement of household income in their communities. Representatives are employed in each district and village within their service area to assist members and encourage others to join. This combination of credit and health insurance ensures the financial sustainability of both institutions by sharply increasing the repayment rate for loans and increasing health insurance coverage, thereby ensuring these communities have access to healthcare without exhausting their limited incomes.

Lobé’s idea has spread to three other regions of Senegal and has won support from the Ministry of Health. She has also worked with mutual institutions in Cape Verde, Brazil and the DRC and is spearheading advocacy efforts for the enforcement of regulations which provide guaranteed access to funds for mutual institutions across West African states.
The Problem
The Strategy
The Person

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