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Executive Seminar on
Index Based Livestock Insurance
Sarova Whitesands Hotel, Mombasa, Kenya
Seminar Report
17 & 18 April 2018
Executive Seminar for Members of the Kenyan Parliament
19 & 20 April 2018
Executive Seminar for the National Treasury of Kenya & County Officials
2
Table of Contents
Acknowledgements ............................................................................................................... 3
About the Organizers ............................................................................................................ 4
Contact Details and Homepage of the Seminar ..................................................................... 4
Executive Summary .............................................................................................................. 5
1 Background ...................................................................................................................... 8
2 Highlights of the Seminars ...............................................................................................10
2.1 Executive Seminar for Members of the Kenyan Parliament, 17 & 18 April ...................10
2.1.1 Day 1 - Tuesday, 17 April ................................................................................10
2.1.2 Day 2 - Wednesday, 18 April ...........................................................................16
2.2 Executive Seminar for the National Treasury and Planning
& County Officials, 19 & 20 April ........................................................................................20
2.2.1 Day 1: Thursday, 19 April ................................................................................20
2.2.2 Day 2: Friday, 20 April .....................................................................................23
3 Decisions of the Seminar .................................................................................................25
3.1 Executive Seminar for Members of the Kenyan Parliament .........................................25
3.2 Executive Seminar for the National Treasury and Planning & County Officials ............25
4 Next Steps .......................................................................................................................30
5 Annexes...........................................................................................................................32
5.1 Annex 1: Agendas .......................................................................................................32
5.2 Annex 2: Participants ..................................................................................................39
5.3 Annex 3: Speakers ......................................................................................................46
3
Acknowledgements
The organizers would like to express their gratitude to the Ministry of Agriculture and Irrigation
of the Republic of Kenya for the kind support in convening the seminars. We are particularly
thankful to Hon. Mwangi Kiunjuri, Cabinet Secretary, Dr. Andrew Tuimur, Chief Administration
Secretary, Harry Kimtai, Principal Secretary, Julius Kiptarus, Director of Livestock Production,
Vincent Githinji, Senior Deputy Director of Livestock Production, and Godfrey Kiptum, Ag. CEO
& Commissioner of the Insurance Regulatory Authority.
Furthermore, a special thanks goes to all of our distinguished speakers and session facilitators:
Barry Patrick Maher (World Bank Group), James Sinah (World Bank Group), Dr. Andrew Mude
(International Livestock Research Institute - ILRI), Duncan Collins Khalai (ILRI), Hassan Bashir
(Takaful Africa Group), Ashok Shah (APA Insurance), Charles M. Wambua (APA Insurance),
Robert Kuloba (Insurance Regulatory Authority), Isabel Joy Ochieng (National Treasury and
Planning of Kenya), Abdikarim Daud (Kenya Markets Trust) and Priscilla W. Muiruri (Ministry
of Agriculture and Irrigation).
The event was co-organized by KLIP program coordination office, in particular Dr. Richard
Kyuma, Tom Kinara, David Mwania and their team, and the project Alliance on Climate Risk
Transfer Solutions, a collaboration of Swiss Re Ltd. and the Deutsche Gesellschaft für
Internationale Zusammenarbeit (GIZ) under the develoPPP.de program funded by the German
Federal Ministry for Economic Cooperation and Development. In addition, the organization
team included ILRI and The World Bank Group. Moreover, as a consultant, Stanley Machogu
Miyogo provided extensive services for the logistical management, the facilitation of the
attendance of the participants as well as further support to the workshops.
4
About the Organizers
The Kenya Livestock Insurance Program (KLIP) is a national initiative of the Government of
Kenya, led by the State Department of Livestock with technical assistance provided by the
World Bank Group and ILRI in partnership with private insurance companies. The Ministry of
Agriculture and Irrigation plays a central role in ensuring the success of the program. The
fundamental goal and purpose of the Ministry is to conserve, protect and manage agricultural,
livestock and fisheries resources for socio-economic development.
The Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) GmbH is a federal
enterprise that supports the German government in achieving its objectives in international
cooperation for sustainable development. The Swiss Re Group is a leading wholesale provider
of risk transfer solutions. GIZ and Swiss Re through their develoPPP.de Alliance on Climate
Risk Transfer Solutions collaborate with governments to build technical capabilities and assist
them in identifying and accessing suitable instruments for climate risk transfer instruments.
Contact Details and Homepage of the Seminar
For more information about the seminar or the Alliance on Climate Risk Transfer Solutions,
kindly contact us on [email protected] or visit the event homepage under
https://mombasa-2018.climate-risk-transfer.org, where you will also find all presentations of
the workshop.
5
Executive Summary
Pastoralists in Kenya are at the forefront of climate change, with extreme weather posing a
potentially fatal threat to livestock. The impacts of drought on livestock threaten to cause
setbacks to the overall economy and the livelihood of pastoralist communities if adequate
protection and response measures are not taken.
To address this challenge, the Kenyan Government together with the private insurance sector
started implementing the Kenya Livestock Insurance Program (KLIP) in 2014. KLIP is an index-
based livestock insurance program that uses satellite technology to protect pastoralists in the
remote, arid and drought-prone rangelands of Kenya from the impacts of extreme weather.
The program currently covers close to 90,060 livestock units, and has made payouts of more
than KSh 700 million have been made to 32,000 pastoralists since inception.
In order to support this commendable effort and the successful operation of KLIP, the German
development cooperation GIZ (previously GTZ) and the Swiss Reinsurance Company (Swiss
Re) through their develoPPP.de project Alliance on Climate Risk Transfer Solutions combined
efforts with KLIP management in order to organize two executive seminars on index based
livestock insurance. The first event targeted policy makers (17-18 April) and the second event
targeted county governments and key technical staff at national level (19-20 April). In addition
to the State Department of Livestock, GIZ and Swiss Re, the organizing team of the seminars
featured experts from the International Livestock Research Institute (ILRI) and the World Bank
Group, both key institutions for the development and operation of KLIP.
The first seminar (17-18 April) was designed for Members of Parliament with representation
from the Agriculture and Livestock, Appropriations and Budget and Implementation
committees, as well as members of the Senate, who are part of the Agriculture and Livestock
Committee. In terms of content, the seminar provided:
An understanding of the technical and operational design of KLIP,
insights into the role of the private insurance sector,
findings of recent impact studies conducted on KLIP and lessons learned, as well as
an overview of the next steps on the program and the required support.
The seminar provided the opportunity for Members of the Kenyan Parliament to discuss
critically the state of the program. Furthermore, the Cabinet Secretary Ministry of Agriculture
and Irrigation provided a special acknowledgement for KLIP. He emphasised the significant
benefit offered to pastoralist communities where the program is active. However, he also stated
the challenges, particularly on the inadequate budgetary support. He announced that the
6
Ministry would start supporting partial voluntary cover to help the program in graduate its
beneficiaries from the fully government funded initial phase to self-sustaining commercial
cover.
The participants of the first workshop agreed on the following points:
1. Funding
a. The Members of Parliament agreed that the budget committee would support the
budgetary allocations for KLIP when the ministry statements are brought to
parliament
b. The next budget proposals from KLIP through the State Department of Livestock
should actively be coordinated with the parliamentary departmental committees
2. Policies and Regulations on Index-Based Livestock Insurance
a. The Insurance Regulatory Authority (IRA) of Kenya has made regulatory proposals
on index-based insurance that will be brought to the house of parliament for
deliberations. Members of Parliament promised to support the proposals to amend
the Insurance Act
3. County engagement and Awareness creation on KLIP
a. The Members of Parliament and other leaders from the Arid and Semi-Arid Lands
(ASAL) counties should be sensitised about KLIP for more support in
Parliament/county assemblies and at their constituencies
b. Other opinion leaders such as chiefs, women group leaders, religious leaders and
all gate keepers in the community should be sensitised on KLIP to improve on
awareness and uptake
c. The County Agricultural Extension Services should be used for KLIP
implementation
d. Local FM radio stations should be used for awareness creation
The second seminar (19-20 April) followed the initial one back-to-back and targeted technical
officers responsible for disaster risk management and budgeting in the National Treasury and
Planning of Kenya and county officials from the different counties where KLIP is operating. In
addition to the topics covered under the first seminar, the event featured:
An overview of the financial instruments currently being used by the National Treasury
and Planning for disaster risk financing, presented by the Financial and Sectoral Affairs
Department, and
A working group session on follow-up steps with a focus on the role of the National
Treasury and Planning, and County governments
7
The participants of the second workshop jointly developed proposals and concluded, amongst
others, on the following points:
1. Budget support is required for premium payment, awareness creation, monitoring and
evaluation, and capacity building
2. It is the intention of the State Department of Livestock to move to four further counties,
which will require an additional funding of KSh 200 million
3. The currently covered counties pledged significant own budget contributions of a total of
KSh 130 million
4. Procurement of KLIP cover by counties: It was proposed to the counties to work closely
together for procuring KLIP cover. The proposal is to use the Frontier Counties
Development Council (FCDC), which brings together all the counties that are offering KLIP
The seminars were successfully closed on 20 April. KLIP coordination office will closely follow
up amongst others on the subsequent next steps:
Arrange for sensitisation on Index-Based Livestock Insurance for Members of
Parliament and other leaders from the Arid and Semi-Arid Lands (ASAL) counties
Express need for additional funding to National Treasury and Planning in writing
Closely coordinate with National Treasury and Planning officials to prepare a
justification for additional funding and have the Principal Secretary of the State
Department of Livestock formally communicate to Principal Secretary of the National
Treasury and Planning
Assist the counties to draft a bill or motion that could be used to support KLIP
The County Executive Committees (CECs) Chief Officer (CO) and Director of Livestock
to brief their governors on the deliberations
Frontier Counties Development Council (FCDC) to be approached and informed about
the role they will be expected have in facilitating KLIP matters
KLIP coordinator to brief the Principal Secretary of Livestock on the need to engage
the counties governments to firm up the county budgets
8
1 Background
Pastoralists in Kenya are at the forefront of climate change, with extreme weather posing a
potentially fatal threat to livestock. Climate change related droughts are a major source of
vulnerability for those who depend on livestock for income and food in the Arid and Semi-Arid
Lands (ASAL) of Kenya. Livestock losses alone have accounted for approximately 70 percent
of the USD 12.1 billion damages caused by drought between 2008 and 2011. Without
adequate protection and response measures, the impacts of drought on livestock threaten to
cause setbacks to the overall economy.
To address this challenge, the Kenyan Government together with the private insurance sector
initiated the Kenya Livestock Insurance Program (KLIP) in 2014. KLIP is an index-based
livestock insurance program that protects pastoralists in the remote, arid and drought-prone
lowlands of Kenya from the impacts of extreme weather. The program uses satellite technology
to monitor the level of greenness and the state of vegetation available to livestock. When
drought becomes particularly severe, payouts are triggered based on the index data and are
directly transferred to the pastoralists with the help of mobile payment systems (M-PESA
technology). With these payments, pastoralists can purchase water and fodder to sustain
tropical livestock such as camels, goats and cows through the drought period. This agriculture
insurance initiative is not only an efficient financing tool but it also helps vulnerable
communities avoiding catastrophic livestock losses in the first place and thus reduces the
negative impacts of climate change. The program currently covers close to 18,012 people and
90,060 livestock units. Since 2014, payouts of more than KSh 700 million have been made to
32,000 pastoralists in need of drought assistance.
In order to support this commendable effort and the successful operation of KLIP, the German
development cooperation GIZ (previously GTZ) and the Swiss Reinsurance Company (Swiss
Re) through their develoPPP.de project Strategic Alliance on Climate Risk Transfer Solutions
have joined KLIP management in organising two executive seminars on index based livestock
insurance. The initial idea to conduct capacity-building events for high-level stakeholders arose
during a workshop organized by GIZ and Swiss Re on “Advancing Agriculture Insurance in
Kenya through Sustainable Public-Private Partnerships” in March 2017, in Nairobi.
The two seminars aimed at building capacity and creating awareness among elected
leadership in the parliament and county assemblies responsible for passing, among others,
agricultural sector policy sessional papers, enacting supportive legal and institutional
frameworks and appropriating budgets both at National and County Levels. Also targeted for
the seminars were senior technocrats from National Treasury and Planning.
9
The first seminar, conducted from 17 to 18 April, targeted and drew participation from Members
of Parliament from the following Committees of National Assembly and Senate:
National Assembly
Budget and Appropriation Committee
Implementation Committee
Agriculture and Livestock Committee
Senate
Agriculture and Livestock Committee
The second seminar was held back-to-back to the first one on 19 to 20 April targeting and
summoning the participation from National Treasury and Planning departments relevant to
disaster risk management and budgeting. Each of the following departments nominated two
senior officers for the seminar:
Budget Department
Financial and Sectoral Affairs Department
Resource Mobilization Department
Macro and Fiscal Affairs Department
In addition, participation was drawn from County Governments where KLIP is active. These
counties are Mandera, Wajir, Garissa, Marsabit, Isiolo, Samburu, Turkana and Tana River.
Each of these counties nominated technocrats responsible for Livestock matters and County
elected leadership as detailed below:
County Executive Committee Member (CECM)
County Director of Livestock Production (CDLP)
Member of County Assembly Chairing Agriculture Committee of County Assembly
Details on the participants of the seminars are reported in Annex 5.2A and Annex 5.2B
respectively.
Last but not least, support for the two seminars
was generously provided by, amongst others,
the State Department of Livestock (SDL), the
Insurance Regulatory Authority (IRA) of Kenya,
GIZ, Swiss Re, World Bank Group, ILRI and
insurance service providers (APA Insurance,
Apollo Group and Takaful Africa Group).
10
2 Highlights of the Seminars
2.1 Executive Seminar for Members of the Kenyan Parliament, 17 & 18 April
2.1.1 Day 1 - Tuesday, 17 April
I. Setting the stage and Welcome Remarks
The first part of the index-based livestock insurance seminar for Members of the Kenyan
Parliament opened at 9.00 a.m. on 17 April 2018. While giving his remarks, Isaac Magina, of
Swiss Re noted that KLIP is a pillar of innovation in Africa that is being copied widely by other
countries. He reiterated that Swiss Re would continue its support to index-based livestock
insurance in Kenya. Dr. Alexander Jäger, GIZ, complemented his remarks by elaborating the
background and objectives of the event and emphasising the commitment of GIZ to support
the agricultural sector of Kenya.
The Director of Livestock Production, Mr. Julius
Kiptarus stated that he was very happy with the
technical support that the International Livestock
Research Institute (ILRI) and the World Bank
Group were providing for KLIP since its inception
in 2014. Mr. Godfrey Kiptum, the CEO and
Commissioner of Insurance from the Insurance
Regulatory Authority (IRA) of Kenya commended the gains so far made by KLIP and promised
that the IRA will continue with customer protection and guidance on product development for
index-based livestock insurance.
11
During their contributions, the Chief Administrative Secretary (CAS) of the Ministry of
Agriculture and Irrigation, Dr. Andrew Tuimur, and the Principal Secretary, State Department
of Livestock, Mr. Harry Kimutai, both urged the members of Parliament to support KLIP in
budgetary allocation and legislation. The CAS encouraged all other relevant stakeholders,
such as the insurance companies, to come in and do their work for the success of index-based
agricultural insurance.
II. Introduction to the Kenya Livestock Insurance Program (KLIP)
Dr. Richard Kyuma gave presentations on the
design, implementation and milestones of KLIP.
The participants were informed that so far KLIP
has paid premiums amounting to just over KSh
400 million while payouts of over KSh 700 million
have been made to beneficiaries. Among others,
key highlights from the presentation were:
Kenya remains vulnerable to frequent and extremely expensive natural disasters,
including droughts and floods that impact the livelihoods of pastoralist communities in
particular and the country’s economy in general
To mitigate against disaster shocks, the government spends huge amounts of
resources that run into billions of Kenya schillings on, among others, food aid, cash
transfers and post drought restocking for affected populations
KLIP was initiated to increase the resilience of pastoral communities against disaster
(drought) shocks through disaster risk transfer products offered by insurance service
providers
KLIP design is based on satellite data of the vegetation cover to assemble an index of
seasonal forage availability/scarcity, referred to as Normalized Differenced Vegetative
Index (NDVI) that is used to determine when payouts are made
Currently, the National Government provides 100% premium support for five Tropical
Livestock Units (TLUs) for vulnerable households
The program has had positive impacts to pastoralist communities including improved
access to forage and water for livestock during periods of drought, access to veterinary
services after payouts and pastoral household welfare and drought mitigation and
overall disaster management
KLIP faces challenges including low and unpredictable funding levels leading to low
levels of KLIP insurance penetration in the ASALs
12
III. Components of KLIP and Prerequisite to Sustainable Scale
Following the presentations of Dr. Andrew Mude (ILRI) on the technical design of KLIP and
Barry Patrick Maher (World Bank Group) on the milestones of the program, the moderator,
James Sinah, facilitated a lively discussion on the achievement of KLIP and the prerequisites
to further growth. The following highlights were denoted by the panel, which was joined by Dr.
Richard Kyuma:
That KLIP is part of agricultural sector risk management financing tool recognized by
the National Disaster Risk Financing Strategy
That KLIP despite its limitations and challenges has provided significant benefits to
both pastoralists and Government by:
- Timely and direct payouts to pastoralists to enable them keep their livestock
alive during periods of drought
- Transferring weather related risk financing by the Government to private sector
insurance companies
That the Programme has enabled the Government to:
- Directly target the vulnerable households
- Respond quickly to drought risks
- Ensure transparency and accountability in the use of public funds
That to ensure sustainability of the programme there is a need to promote and expand
the voluntary component which will in turn help to enhance the market size for
insurance companies and thus reduce premium costs
That there was need for further technical capacity building in the programme
IV. Private sector experience on agriculture insurance
Mr. Barry P. Maher (World Bank Group) moderated
the session that included the speakers: Isaac
Magina (Swiss Re), Ashok Shah (APA-Apollo
Group) and Hassan Bashir (Takaful Africa Group).
In their contribution, Ashok Shah, Hassan Bashir
and Isaac Magina pledged to continue underwriting
for KLIP. They all agreed that the government
would need to continue subsidising KLIP product until the market for index-based livestock
insurance grows the critical numbers for commercial sustainability.
In their contribution, the private sector insurance service providers highlighted the following:
13
Swiss Re
As reinsurer, Swiss Re provides stability and
protection to primary insurers. In the case of
KLIP, Swiss Re provides reinsurance to all
insurance companies that insure pastoralist
through KLIP program which include Takaful
Insurance and APA Insurance
In addition, Swiss Re provides product
development support, capacity building and trainings to stakeholders in agriculture
insurance
Swiss Re will continue to support KLIP in partnership with the primary insurance
providers and development partners
APA-Apollo Group and Takaful Africa Group
The private sector has been crucial in the
implementation of KLIP. It helps lifting the burden
from the Government to mitigate against the
vagaries of drought for the ASAL areas
There is no better approach to de-risking
agriculture and invigorating growth than a PPP
arrangement
A consortium of seven insurance companies in
partnership with the Government has covered
KLIP from 2015 up to September 2017 after
Takaful was awarded with the contract. Prior to
2015, APA Insurance covered some counties since 2010
A total payout of KSh 700 million has been made to beneficiaries against a premium
cover of KSh 400 million
V. Value of KLIP to the pastoralists, results of recent impact study
Dr. Alexander Jäger shared information on the profile
of GIZ globally and in Kenya. He stated that GIZ’s
purpose is to promote international cooperation for
sustainable development. He then reported on a recent
study conducted on the perceptions and impact of
KLIP. The results of the study on the impacts of KLIP to
the pastoralist communities were highlighted as follows:
14
Impact and Perceptions
Interviews confirmed that prolonged droughts are the main challenge for pastoral
activities and cause further difficulties such as diseases and social conflicts
Self-reported satisfaction with KLIP is high and the majority of beneficiaries reported
using the payouts on household needs and livestock management
Among KLIP households food insecurity is slightly lower and there is qualitative
indication for community spill over, e.g. sharing of payouts
There is no significant difference between KLIP and non-KIP households in terms of
livestock accounting/management and willingness to pay for livestock insurance
There are delays in receiving payouts due to failures in operational processes
At times recovering the payouts needs extensive and time-consuming travels
Knowledge and awareness
Results indicate that beneficiary households are more knowledgeable about insurance
(general & KLIP specific), but the general knowledge levels are very low
This leads to a reduction of adaptive behaviour and reduces the potential benefits of
KLIP
Knowledge is low also at administrative level, for extension officers and village chiefs
Based on the findings, the following recommendations were given:
Fields for improvement
- Timely payouts with little effort for beneficiaries
- Reduce efforts and costs for beneficiaries
- Increase impact on livestock management
Information needs
- Trainings needs for administrative staff, KLIP focal persons, extension officers,
village chiefs
- Regular sharing of information with communities
- Improved materials/formats for knowledge creation and awareness
- Provide adequate logistics for KLIP manager
The presentation of Dr. Jäger was followed by a discussion on the podium with Dr. Andrew
Mude from ILRI, plus a session of questions and answers with the audience.
VI. Feedback from the Members of the Kenyan Parliament
The elected leadership attending the seminar noted and appreciated the significant role KLIP
is playing in addressing the challenges faced by pastoralist households with respect to weather
15
related negative impacts. However, the participants also noted concerns with the programme
and raised them as follows:
The programme may face sustainability challenges as the premiums are 100%
financed by the Government, but budgetary provisions in support of KLIP from the
exchequer are low and unpredictable
There are questions as to why the programme is restricted to very few counties and all
in the ASAL areas and on the criteria used to select the counties
The majority of households in KLIP counties own large herds of livestock and yet the
cover is restricted to only five TLUs. How is the drought risk mitigated by the rest of the
herds and, given the small number under the cover, whether KLIP has had a significant
impact so far
Concerns around what strategy KLIP has towards graduating beneficiaries to partial
subsidy and eventually to voluntary commercial arrangements with insurance service
providers
The extent to which there was public participation at the initiation stages of the
programme and whether the input of the public institutions was considered in the
programme formulation and implementation
Concerns around low levels of awareness of KLIP among pastoralist communities in
ASAL areas
The concerns raised were responded to, and after discussions, the Members of Parliament
(MPs) made the following proposals:
MPs and other elected leaders in the County Assemblies from the ASAL counties
should be provided with capacity building knowledge and lobby strategies. In this way,
they will be enabled to better understand KLIP and support the programme in
awareness creation to their electorate and in the mobilization of resources
The Counties that have been enjoying KLIP for some time now should take up
subsidizing from their county budgets so that the national budget can be moved to
those counties that are new
The Ministry through the State Department of Livestock in liaison with Counties should
develop an accurate data base on the subsector in ASAL areas including accurate data
on beneficiaries to facilitate timely and efficient payouts when triggered
16
2.1.2 Day 2 - Wednesday, 18 April
I. Official Opening of the Seminar
The official opening session was presided over by the highest level possible of the subsector
Ministry and let by the Cabinet Secretary responsible for the Ministry of Agriculture and
Irrigation. The Cabinet Secretary gave the following remarks in his official welcoming note:
The livestock industry plays a significant role for the economy of the country including
improving livelihoods of farmers, especially for pastoralist, food security and
employment creation among others
Despite the positive role that livestock farming plays, the sector is facing several
challenges, including weather related risks such as droughts and floods, diseases and
poor infrastructure for the distribution of products
In order to address these challenges, the ministry has put in place policy, legal and
institutional frameworks promoting a growth path in the subsector. These initiatives
include the development of veterinary and livestock, and overarching agriculture
policies that have been approved and are currently under implementation. Other
initiatives include Vision 2030 and the Agricultural Sector Transformation and Growth
Strategy (ASTGS)
KLIP is a critical weather related disaster risk transfer tool that has significantly
benefitted the pastoralist communities in the eight counties where the program is
operational. Despite the benefits, the Minister noted that the program faces several
challenges, notably inadequate budgetary support for effective delivery of program
activities. To this end, the intervention of the MPs was sought towards support of the
insurance program by enhancing budgetary appropriation to KLIP
In order to facilitate further support to KLIP and encourage pastoralist farmers to
graduate from a fully government funded insurance cover program to commercial
cover, the Ministry would start a partial voluntary cover where for every livestock
insurance cover taken by a farmer on a commercial basis, the government will give a
corresponding cover support to the farmer. To this end, insurance companies were
encouraged to promote this unique insurance initiative among farmers with the final
objective to facilitate the uptake of voluntary cover
To improve the delivery of KLIP and other livestock programmes and facilitate timely
and accurate payouts to the beneficiaries, the Ministry was rolling out a census program
in the sector to create an accurate database
The Minister concluded his opening remarks by appreciating the efforts of the organizers,
including development partners, for making the capacity building seminar possible.
17
Other speakers during this session included the Chief Administrative Secretary of the Ministry
of Agriculture and Irrigation, Dr. Andrew Tuimur, the Principal Secretary of the State
Department of Livestock, Mr. Harry Kimtai, the Chief Executive Officer of Insurance Regulatory
Authority, Mr. Godfrey Kiptum, and the Director of Livestock Production, Mr. Julius Kiptarus.
II. Lessons learned, emerging issues and sustainability of KLIP
The session was moderated by Duncan Collins Khalai (ILRI) and joint by James Sinah (World
Bank), Charles M. Wambua (APA Group) and Hassan Bashir (Takaful Africa Group). The
following points were emphasised:
Index based insurance is a new concept and therefore most of the target population
might not yet understand how it works
It is important that clients receive accurate and complete information and training
Misinformation leading to unrealistic expectations and subsequent disappointment may
damage the reputation of the product
KLIP beneficiaries are most likely to be illiterate or semi illiterate and have had zero or
limited prior experience with insurance
Therefore, it was concluded:
Continuous education on the product and its benefits is key
Tools for education need to be easy to understand for the beneficiaries
Approaches need to be acceptable and interesting
To establish informed demand for KLIP:
Tools and training are critical but there is also a need to develop the expertise within
the participating institutions and ensure widespread awareness and acceptance
For this to occur, three-tier targeting is necessary:
Level 1: Facilitate and enable a supportive environment - including regulation,
curriculum development, policy support, technical assistance, ombudsman
Level 2: Improve service delivery - Mainstream KLIP training in collaboration with the
Government of Kenya, IRA, World Bank and ILRI. Build capacities for contract design,
validation, standardization and certification
Level 3: Create informed demand - Raising public awareness through mobile based
technology, radio and printed materials
18
III. In-progress review of the Agriculture Sector Transformation and Growth
Strategy (ASTGS)
Ms. Priscilla W. Muiruri from the Ministry of Agriculture and Irrigation has provided an overview
of the ASTGS strategy towards 100% Food Security through Agricultural Transformation in
Kenya, its pillars, food security implications and the high-level roadmap for first five years of
transformation.
IV. Define follow up steps – support required
During this session, moderated by Dr. Richard Kyuma, the MPs were informed that their
support was require for:
Budgetary allocation in parliament
Agriculture policy development support and enactment of regulations
County engagement support and
Promotion of agriculture insurance and awareness creation to the general public
V. Feedback from the Members of the Kenyan Parliament
The present members of the Kenyan Parliament gave the following feedback to the
aforementioned sessions and the required support:
Budgetary support and funding of KLIP
The Members of Parliament agreed that the budget committee would support the
budgetary allocations for KLIP when the ministry statements are brought to parliament
The next budget proposals from KLIP through the State Department of Livestock
should be developed in active collaboration with the responsible parliamentary
departmental committees
Policies and Regulations on Index-Based Livestock Insurance
The IRA has made regulatory proposals on index-based insurance that will be brought
to the house of parliament for deliberations. The MPs promised to support the
proposals to amend the Insurance Act
County engagement and promotion on KLIP
Members of Parliament and other leaders from the Arid and Semi-Arid Lands (ASAL)
counties should be sensitised about KLIP for more support in Parliament/county
assemblies and at their constituencies
Other opinion leaders such as chiefs, women group leaders, religious leaders and all
gate keepers in the community should be sensitised on KLIP to improve on awareness
and uptake
19
The County Agricultural extension services should be used for KLIP implementation
Local FM radio stations should be used for awareness creation
VI. Closing remarks for the first seminar
The closing session was presided over by the Principal Secretary of the State Department of
Livestock, Mr. Harry Kimtai.
20
2.2 Executive Seminar for the National Treasury and Planning & County
Officials, 19 & 20 April
2.2.1 Day 1: Thursday, 19 April
I. Welcome & Opening
Godfrey Kiptum, the Commissioner of Insurance, officially opened
the second seminar after introductory remarks from Vinicent Githinji,
Isaac Magina and Dr. Alexander Jäger. He reiterated that the IRA will
continue to support KLIP/SDL to ensure that KLIP product is
sustainable. Further, the IRA will present amendments of the
Insurance Act to parliament so that Index-Based Insurance is
accommodated.
II. Introduction to the Kenya Livestock Insurance Program (KLIP)
Dr. Richard Kyuma made presentations to the participants about the design, implementation
and milestones of KLIP. The participants were informed that so far KLIP has paid premiums
amounting to just over KSh 400 million while payouts of over KSh 700 million have been made
to beneficiaries. Furthermore, they were informed that KLIP is currently being implemented in
eight counties and that payments for the last season have been made up to 60%.
Extended information on the introduction session is available on page 11.
21
III. Insights on KLIP Product and Implementation
A historical evolution of Index-Based Livestock Insurance (IBLI) – which is the technical base
for KLIP - was given by the ILRI team, noting that the initial product was asset replacement but
now it is asset protection. The features as well as the contract design of IBLI were explained
to the participants. Moreover, they were informed that the actual risk covered was forage
scarcity over the season and that KLIP insures the following, i.e. camel, cattle, sheep and
goats.
The ILRI team noted that there is need to institutionalize the development of expertise and
ensure widespread awareness and acceptance of index based livestock insurance. To ensure
this, KLIP uses a three-tier approach:
Level 1: Facilitate and Enable Supportive Environment for – Regulation, Curriculum.
Development, Policy Support, Technical Assistance, Ombudsman
Level 2: Service delivery Mainstreaming of IBLI training in collaboration with the GoK, IRA,
WB, ILRI, insurance partners etc.
Level 3: Informed demand – Public awareness, Leveraging mobile based technology, radio
and printed material
Concerns of the participants raised during the session included:
a) Can the insurance companies consider making payouts during good years?
b) The total cost insured of KSh 14,000 did not seem sufficient to feed one Tropical
Livestock Unit (TLU) in most of the areas of insurance
c) Could the geographical units of insurance be checked with changing environmental
conditions and information?
Dr. Andrew Mude and Mr. Duncan Collins Khalai from ILRI took up the questions and
discussed them in depth with the audience.
IV. Private sector Experience on Livestock Insurance and Disaster Financing
Isaac Magina of Swiss-Re informed the participants that his company is a reinsurer who in turn
provides stability and protection to primary insurers. In addition, the reinsurer provides
Insurance product development, capacity building and trainings. He said that disasters place
a significant burden on the public sector and that No country can fully insulate itself against
extreme natural disasters, despite prevention and mitigation efforts. He noted that Individuals,
corporations and governments – both on national and sub-national level – bear the brunt of
economic losses from natural disasters including droughts. Therefore, there is need for the
22
government to take up financing options such as risk transfer, contingency and reserve funding
as a pre- event action.
Charles Wambua of APA insurance reiterated that insurance is about pooling of resources to
take care of extreme loses. It is therefore not automatic that one gets payouts for each payment
of premiums. He said that that there have been challenges on making payouts mostly due to
incorrect data. Accurate data is paramount to efficient payout transfer system. He observed
that PPPs are not unique to Kenya, even developed economies provide subsidies to
agricultural programs such as KLIP. Therefore, the National and County Governments should
support KLIP for the sake of the venerable population.
Hassan Bashir of Takaful Africa Insurance emphasized that KLIP is designed in a way that a
trigger for payout only occurs in the areas of need. However, if the trigger occurs in one area
and not in another where droughts occur, then that is a design issue. However, not all who
take the cover with insurance companies will be paid in any given season.
V. Value of KLIP to the Pastoralists, Results of Recent Impact Study
The results of a recent GIZ impact study were present as described on page 13-14. In addition,
Dr. Andrew Mude presented findings on the ILRI evaluations of the program:
Wide range of positive impacts on household
Quantification of risk-coverage precision of contracts
Indication of value-for-money for public expenditure
Production Benefits
KLIP covered households:
Increase investments in maintaining livestock through procurement of veterinary and
vaccination services
Experience improved production outcomes: increases milk productivity and the value
of milk produce
KLIP proved to have positive impacts on improvements to mid-upper arm
circumference (MUAC), a strong predictor of child malnutrition
Welfare Benefits
IBLI improves post-drought coping. After catastrophic 2011 drought, IBLI covered
households reported better than expected behaviours/outcomes
36% reduction in likelihood of distress livestock sales, especially (64%) among
modestly better-off households (>8.4 TLU)
25% reduction in likelihood of reducing meals as a coping strategy, especially (43%)
among those with small or no herds
23
2.2.2 Day 2: Friday, 20 April
I. Financial Instruments Currently Being Used by National Treasury and
Planning for Disaster Risk Financing
Ms. Isabel Joy Ochieng, an Economist in the Financial and Sectoral Affairs Department of the
National Treasury and Planning, illustrated that Kenya is pre-disposed to natural hazards
including droughts, floods, earthquakes, landslides and volcanic activity. More than 80% of
Kenya’s landmass is arid and semi-arid, so when we think about hazards in Kenya, we
recognize drought as the prime recurrent natural disaster in the country and it is the most
devastating one. Each drought event causes severe crop and livestock losses, famine and
population displacement in the country. Excessive flooding in Kenya occurs relatively frequent
(on average every three to four years) and is linked to El Niño or La Niña episodes, which can
lead to extreme weather in the country and region. Urban flooding is also progressively
becoming an issue, especially in big cities and towns.
Humanitarian assistance has been one way of dealing with disasters. However, this
intervention has challenges that include delays, unpredictability, and cost-inefficiencies.
Furthermore, it is difficult to secure enough funds to address disaster issues through
reallocations of budgets because the provisions for reallocation of appropriated funds are
stringent as per the Public Finance Management Act 2012.
Therefore, the National Treasury and Planning has made significant progress in integrating
Disaster Risk Management in planning and budgeting at both national and county levels in an
effort to reduce risks. Recognizing that not all risks can be entirely prevented, this prompted
the development of a Disaster Risk Financing (DRF) Strategy to more effectively manage any
such residual risks and to ensure financial protection. This proactive approach focuses on
planning financial responses in advance to better manage the cost of disasters, ensure
predictable and timely access to needed resources, and ultimately mitigate long-term fiscal
impacts. The DRF Strategy is an important step to enable the government to improve its
response to the impact of natural disasters and improve the efficiency and effectiveness of
budget allocation and execution. The Strategy analyses the portfolio of Kenya’s sovereign
disaster risk financing instruments which includes the Kenya Livestock Insurance Programme
(KLIP) which is an index-based insurance for selected pastoralists in the ASALs and currently
is fully subsidized through national budget allocation. Other Disaster Risk Financing
Instruments (DRFIs) include: Contingencies Fund, County Emergency Funds, Scalable
component of the Hunger Safety Net Program (HSNP), Kenya Agricultural and Insurance
Management Program (KAIRMP), Africa Risk Capacity (ARC)- (under review), Development
Policy Credit with a Catastrophe Deferred Draw Down Option (Cat DDO)- (planned). The
24
Strategy proposes four strategic priorities going forward: i)ensure a coordinated approach to
disaster risk financing across National and County Government institutions managing various
disaster risk financing instruments; ii) improve the sovereign financing capacity by
strengthening and expanding the National and County Government’s portfolio of disaster risk
financing instruments; iii) support key programs, such as KLIP, to protect the most vulnerable
populations from the impacts of disasters and contribute to building resilience; and iv) enhance
the capacity to respond to disasters of National Ministries, Departments and Agencies, as well
as County Governments.
II. Role of National Treasury and Planning and County Governments
During this session, all participants were divided
into three groups:
Group 1: Budgetary Support
Group 2: Awareness Creation
Group 3: Role of Counties in the implementation
of KLIP
The participants were to rotate in each group and help to:
1) Identify need for further support to the counties and
2) Discuss concrete next steps and assign responsibilities
The results of the session can be found in the next chapter, 3.2 Decisions of the seminar.
III. Closing of the Second Seminar
Vincent Githinji, Senior Deputy Director of Livestock Production, closed the seminar at 1.00
pm by thanking the participants for their time and valuable contributions.
25
3 Decisions of the Seminar
3.1 Executive Seminar for Members of the Kenyan Parliament
1. Funding
a. The Members of Parliament agreed that the budget committee would support the
budgetary allocations for KLIP when the ministry statements are brought to
parliament
b. The next budget proposals from KLIP through the State Department of Livestock
should be developed in active collaboration with the responsible parliamentary
departmental committees
2. Policies and Regulations on Index-Based Livestock Insurance
a. IRA has made regulatory proposals on index-based insurance that will be brought
to the house of parliament for deliberations. The MPs promised to support the
proposals to amend the Insurance Act
3. County engagement and Awareness creation on KLIP
a. Members of parliament and other leaders from the Arid and Semi-Arid Lands
(ASAL) counties should be sensitised about KLIP for more support in
Parliament/county assemblies and at their constituencies
b. Other opinion leaders such as chiefs, women group leaders, religious leaders and
all gate keepers in the community should be sensitised on KLIP to improve on
awareness and uptake
c. The County Agricultural extension services should be used for KLIP implementation
d. Local FM radio stations should be used for awareness creation
3.2 Executive Seminar for the National Treasury and Planning & County
Officials
1. Budget support
The project implementation unit (PIU) will require support in the following areas:
Premium payment (KLIP is expected to expand to four additional counties in the next
insurance cycle (2018/2019) and will require additional KSh 200 million to do so.
Awareness creation (awareness on livestock insurance is important at all levels and
will require substantial budget to carry out effective campaigns. Currently PIU is
underfunded in these areas and will need support from key stakeholders including
counties to create livestock insurance awareness related activities.
26
Monitoring and evaluation (M&E was seen to be very critical and currently it is seriously
underfunded)
Capacity building
Intention of SDL is to move to four counties
Will require additional KSh 200 million to purchase for beneficiaries from the four
counties
Counties indicated their willingness to invest in promoting KLIP. The Eight counties
represented pledged to allocate budget for premium support to boost the number of
beneficiaries accessing livestock insurance.
o Samburu County – indicated that they will support 750 households over and
above what national government is supporting
o Marsabit County reported KLIP is in the County Integrated Development Plan
(CIDP) and in current Annual Development Plan (ADP). The county is planning
to purchase livestock insurance cover and will start with 500 households in
2018/2019 insurance cycle and progressively add 500 households every year
to reach 2500 households in the 5th year
o Turkana County indicated KLIP had not been factored in the CIDP; however,
The Chair of County committee in charge of Pastoral Economy and Fisheries
will recommend its inclusion in the CIDP and recommend a budget of KSh 40
million to be set aside in 2018/2019 budget. A two-pager write-up on KLIP will
be necessary to provide necessary technical details to guide The Chair in
lobbying for its inclusion in the CIDP.
o Wajir County – Appreciates the role of KLIP and has factored it in the CIDP
and ADP and there are plans to cover 1,000 H/H in the next insurance cycle
(equivalent of KSh 14 million)
o Tana River County – Appreciates the role of KLIP in assisting the pastoral
households to manage weather related shocks and has included it in the CIDP
and current ADP and has allocated KSh 15 million to pay premium in the coming
insurance cycle, 2018/2019
o Isiolo County has factored KLIP is in the CIDP and current ADP and has
allocated 35 million to pay premium
o Mandera County has included KLIP in the CIDP and officials attending the
workshop will push for budget allocation of KSh 50 million to support KLIP
27
Procurement of KLIP cover by counties – it was recommended that the counties to
adopt similar product specifications provided by the national government. The counties
to consider working together closely to procure KLIP cover. A regional body, Frontier
Counties Development Council (FCDC), which brings together all the counties offering
KLIP to facilitate ammonization of the procurement.
2. Awareness Creation
The session on awareness creation featured more discussions and proposals than concrete
decisions. The participants gave the following answers to the question as to:
a. “Why do we need awareness creation?”
To educate stakeholders on insurance in general and KLIP in particular
To have a general buy in and acceptance of KLIP
To build the confidence of the beneficiaries
To have informed decisions/demand
To create a critical demand mass which will lead to reduced cost of the product
Create critical feedback
b. “Who is our target group for the awareness creation?”
Consumers (farmers/pastoralists)
Extension officers
Financiers (GOK, Dev. Partners and counties)
Insurance companies/service providers
Legislators and Executive (national/counties)
National Treasury and Planning
c. “What are suitable channels for awareness creation?”
County assemblies
One-on-one meetings/workshops at county levels
Local FM radio stations
Northern/North Eastern Public initiative
Council of governors
Pastoral Parliamentary group
28
Role of the Counties
A. Challenges and gaps
about KLIP
B. Addressing the
challenges &
expectations towards
other stakeholders
C. What counties can
contribute
1 Insufficient funding leads to lack
of resources for data validation
and M&E
Mainstream insurance into
financial planning
Counties to allocate resources
for data validation and M&E
2 Lack of logistical support and
infrastructure for getting payouts
to beneficiaries
Issues around
telecommunications
Collaboration with partners,
e.g. Safaricom, NGOs
3 Low priority attributed to
livestock policy on county level
Counties to invest in KLIP and
fodder production (including
market development)
Create political support
(Assembly and Executive)
Participants of the workshop to
act as multipliers in their
counties
Develop and pass bills or
motions on livestock insurance
4 Low awareness and lack of
capacity for insurance solutions
on county level and with
pastoralists
Capacity support for County
Assembly --> help allocate
funding
Awareness creation for
pastoralists on benefits of
insurance
Address awareness with
trainings (joint effort by KLIP
and counties): Identification
and facilitation of participants,
conference venue, etc. done
by counties
Cascading of information and
knowledge to communities
with the help of departments of
Livestock and through county
extension services /
29
communication channels such
as radio
5 Lack of policy framework for
KLIP
Anchoring DRF in county
strategy (CIDP)
Include Drought Risk
Financing in County Integrated
Development Plans
6 Mobility of pastoralists impairs
channelling of payouts
Tracking movement of
pastoralists
Use existing County structures
to track movement of
pastoralist
7 Data validation Think about use of smart cards
for registration of beneficiaries.
Maybe align with data from
social protection schemes
8 The number of pastoralists /
households benefiting from the
nationally subsidised KLIP is
small
Upscaling number of
beneficiaries insured
30
4 Next Steps
The following steps were agreed to be key for KLIP management team:
1. KLIP PIU to arrange for sensitisation on Index-Based Livestock Insurance for Members of
Parliament and other leaders from the Arid and Semi-Arid Lands (ASAL) counties
2. KLIP PIU to express their need for additional funding to National Treasury and Planning in
writing
3. KLIP Coordinator to closely engage with National Treasury and Planning officials to do a
justification for additional funding and have PS SDL formally communicate to PS National
Treasury and Planning
4. KLIP Secretariat to assist counties to draft a bill or motion that could use to domesticate
KLIP
5. The CECs/CO/Dir of Livestock to brief their governors on the deliberations
6. FCDC to be approached and be informed about the role they will be expected to facilitate
KLIP matters
7. KLIP coordinator to brief the PS- Livestock on the need to engage the counties
governments to firm up the county budgets
8. The report of the workshop to be shared with all the representatives that attended the
workshop
31
Additional recommended next steps from the World Bank Group
i. The Government should ensure awareness creation activities are properly
resourced. SDL is in the process of collaborating with Insurance Regulatory
Authority (IRA) which has the mandate to create awareness on insurance in
general. Internarial experience shows the importance of adequately resourcing
such activities, which can be overlooked. The private sector can also play a
critical role, undertaking aggressive marketing for voluntary component.
ii. Make an electronic registry system mandatory and registration process
continuous for efficient management the beneficiaries list. The system will make
it easy to register recipients and update the list without incurring substantial cost
when graduating them or bringing the new one on board. The ministry could
consider using private sector infrastructure to recruit potential beneficiaries – for
example Bank or Mobile money agent's infrastructure. Selection of beneficiaries
from the register should be made using agreed selection criteria between the
national and county governments. The ministry could learn from existing registry
systems, like for example the one used by Hunger Safety Net Program (HSNP).
iii. The relationship between the national and county governments can be
strengthened to encourage cost sharing of premium subsidies. SDL to establish
close collaboration with counties to seek their support to increase the number of
households covered. Some counties have already factored in livestock
insurance in their County Intergraded Development Plans (CIDP), a strong
indication that they will allocate resources to promote livestock insurance.
iv. The ministry to devote technical resources to expand access to insurance
through the voluntary insurance component with partial subsidy. The counties
could also be encouraged to invest their resources for subsidy support. The
ministry can also engage with Counties to explore the potential for meso level
insurance products to protect county budgets in the event of drought.
v. The ministry to promote an incentive-based structure in their procurement of
insurers where the fully subsidized premiums are allocated in proportion to the
number of voluntary policies sold. This would incentivize private sector insurance
companies to develop a sales network and drive uptake of voluntary sales of
KLIP. Existing procurement laws may require review to accommodate such an
approach.
32
5 Annexes
5.1 Annex 1: Agendas
5.1A 17 & 18 April 2018
Executive Seminar for Members of the Kenyan Parliament
Arrival Day: Monday, 16 April 2018 – Venue: Baraza Lawns
18:30 Welcome Event
Day 1: Tuesday, 17 April 2018 – Venue: Fahari Room
Time Activity Speakers
8:30 Registration
9:00 Setting the stage Dr. Alexander Jäger Project Leader, develoPPP.de Alliance on Climate Risk Transfer Solutions / GIZ
Mr. Isaac Magina Senior Client Manager Africa / Swiss Re
9:15 Welcome Mr. Julius Kiptarus Director of Livestock Production
9:25 Welcome Note
Mr. Harry Kimtai Principal Secretary State Department of Livestock
9:35 Remarks
Dr. Andrew Tuimur Chief Administration Secretary Ministry of Agriculture and Irrigation
9:45 Introduction to the Kenya Livestock Insurance Program (KLIP)
Dr. Richard Kyuma Project Coordinator KLIP, State Department of Livestock / Ministry of Agriculture and Irrigation
10:15 Q&A on KLIP Speakers of previous session & audience
10:30 Networking Tea Break
33
11:00 Components of KLIP and Perquisites to Sustainable Scale
Moderator:
Mr. James Sinah Disaster Risk Financing and Agriculture Insurance Consultant / The World Bank Group
Presentations and panel:
Dr. Andrew Mude Project Leader, Index-Based Livestock Insurance / International Livestock Research Institute (ILRI)
Mr. Barry Patrick Maher Senior Risk Financing and Insurance Specialist / The World Bank Group
Dr. Richard Kyuma Project Coordinator KLIP, State Department of Livestock / Ministry of Agriculture and Irrigation
12:15 Q&A on Components of the KIP Speakers of previous session & audience
12:30 Networking Lunch
14:00 Private sector experience on agriculture insurance
Introduction & Facilitation:
Mr. Barry Patrick Maher Senior Risk Financing and Insurance Specialist / The World Bank Group
Presentation:
Mr. Isaac Magina Senior Client Manager Africa / Swiss Re
Additional discussions participants:
Mr. Ashok Shah Group CEO / APA Insurance, Apollo Group
Mr. Hassan Bashir Group Chief Executive / Takaful Africa Group
14:45 Q&A on private sector experience Speakers of previous session & audience
15:00 Networking Tea Break
15:30 Value of KLIP to the pastoralists, results of recent impact study
Dr. Alexander Jäger
Project Leader, develoPPP.de Alliance on Climate Risk Transfer Solutions / GIZ
Additional discussions participants:
Dr. Andrew Mude Project Leader, Index-Based Livestock Insurance / International Livestock Research Institute (ILRI)
16:00 Q&A on KLIP impact study Speakers of previous session & audience
16:15 Feedback from the Members of the Kenyan Parliament
Moderator:
Dr. Andrew Mude Project Leader, Index-Based Livestock Insurance / International Livestock Research Institute (ILRI)
34
17:00 Closing remarks of day one and second day agenda
Mr. Isaac Magina Senior Client Manager Africa / Swiss Re
18:30 Networking Dinner
Day 2: Wednesday, 18 April 2018 - Fahari Room
Time Activity Speakers
8:30 Registration
9:00 Recap of Day 1
Dr. Alexander Jäger
Project Leader, develoPPP.de Alliance on Climate Risk Transfer Solutions / GIZ
9:05 Opening ceremony Mr. Harry Kimtai Principal Secretary State Department of Livestock
9:15 Welcome remarks
Mr. Godfrey Kiptum Ag. CEO & Commissioner of Insurance Insurance Regulatory Authority of Kenya
9:25 Remarks Dr. Andrew Tuimur Chief Administration Secretary Ministry of Agriculture and Irrigation
9:35 Keynote Speech
Hon. Mwangi Kiunjuri Cabinet Secretary Ministry of Agriculture and Irrigation
10:00 Lessons learned, emerging issues and sustainability of KLIP
Introduction & Facilitation:
Mr. Duncan Collins Khalai Market and Capacity Development Specialist / International Livestock Research Institute (ILRI) Panel:
Mr. James Sinah Disaster Risk Financing and Agriculture Insurance Consultant / The World Bank Group
Mr. Charles M. Wambua Head of Microinsurance & Agribusiness / APA Insurance, Apollo Group
Mr. Hassan Bashir Group Chief Executive / Takaful Africa Group
10:45 Q&A on KLIP lessons and sustainability Speakers of previous session & audience
10:45 Extra session
11:00 Networking Tea Break (Including group photo)
35
11:15 Define follow up steps – Support required
Budgetary support
Agriculture policy development support
County engagement support
Promotion of agriculture insurance to general public
Introduction & Facilitation:
Dr. Richard Kyuma Project Coordinator KLIP, State Department of Livestock / Ministry of Agriculture and Irrigation Panel:
Mr. Robert Kuloba Chief Manager, Policy Research and Development / Insurance Regulatory Authority
Mr. Barry Patrick Maher Senior Risk Financing and Insurance Specialist / The World Bank Group
Dr. Andrew Mude Project Leader, Index-Based Livestock Insurance / International Livestock Research Institute (ILRI)
12:15 Feedback from the Members of the Kenyan Parliament
Moderator:
Dr. Andrew Mude Project Leader, Index-Based Livestock Insurance / International Livestock Research Institute (ILRI)
12:45 Closing Remarks Dr. Alexander Jäger
Project Leader, Alliance on Climate Risk Transfer Solutions / GIZ
Mr. John Karanu Head East Africa / Swiss Re
13:00 Closing Speech Mr. Harry Kimtai Principal Secretary State Department of Livestock
13:15 Networking Lunch
36
5.1B 19 & 20 April 2018
Executive Seminar for the National Treasury and Planning of Kenya &
County Officials
Day 1: Thursday, 19 April 2018 – Venue: Fahari Room
Time Activity Speaker
8:30 Registration
9:00 Welcome & Opening Dr. Alexander Jäger Project Leader, Alliance on Climate Risk Transfer Solutions / GIZ
Mr. Isaac Magina Senior Client Manager Africa / Swiss Re
9:15 Welcome Notes
Mr. Vincent Githinji Senior Deputy Director of Livestock Production
9:25 Welcome Remarks
Mr. Godfrey Kiptum Ag. CEO & Commissioner of Insurance / Insurance Regulatory Authority of Kenya
9:35 Introduction to the Kenya Livestock Insurance Program (KLIP)
Presentation:
Dr. Richard Kyuma Project Coordinator KLIP, State Department of Livestock / Ministry of Agriculture and Irrigation
10:20 Q&A on the KLIP Speakers of previous session & audience
10:30 Tea break (including group photo)
11:00 Insights on KLIP Product and Implementation
Presentations:
Dr. Andrew Mude Project Leader, Index-Based Livestock Insurance / International Livestock Research Institute (ILRI)
Mr. Duncan Collins Khalai Market and Capacity Development Specialist / International Livestock Research Institute (ILRI)
12:30 Q&A on KLIP Product Design Speakers of previous session & audience
13:00 Networking Lunch
14:00 Private sector Experience on Livestock Insurance and Disaster Financing
Facilitation:
Mr. Abdikarim Daud Livestock Sector Lead / Kenya Markets Trust
Presentation & Facilitation:
Mr. Isaac Magina Senior Client Manager Africa / Swiss Re
Presentations:
Mr. Charles M. Wambua Head of Microinsurance & Agribusiness / APA Insurance, Apollo Group
Mr. Hassan Bashir Group Chief Executive / Takaful Africa Group
37
15:00 Q&A on Private Sector Experience Speakers of previous session & audience
15:15 Tea Break
15:30 Value of KLIP to the Pastoralists, Results of Recent Impact Study
Presentation:
Dr. Alexander Jäger Project Leader, Alliance on Climate Risk Transfer Solutions / GIZ
Dr. Andrew Mude Project Leader, Index-Based Livestock Insurance / International Livestock Research Institute (ILRI)
16:15 Q&A on KLIP Impact Study Speakers of previous session & audience
16:30 Closing Remarks of Day One and Second Day Agenda
Mr. Isaac Magina Senior Client Manager Africa / Swiss Re
18:30 Networking Dinner
20:00 Evening Reception – Venue: Baraza Lawns
38
Day 2: Friday, 20 April 2018 – Venue: Fahari Room
Time Activity Speaker
8:30 Registration
9:00 Recap of Day 1
Dr. Alexander Jäger Project Leader, Alliance on Climate Risk Transfer Solutions / GIZ
9:15 Financial Instruments Currently Being Used by National Treasury for Disaster Risk Financing
Facilitator:
Mr. James Sinah Disaster Risk Financing and Agriculture Insurance Consultant / The World Bank Group
Presentation:
Ms. Isabelle Joy Ochieng Fiscal and Sectoral Affairs Department
10:00 Q&A on Role of Public Sector and Disaster Risk Financing
Speakers of previous session & audience
10:30 Networking Tea Break
11:00 Define Follow Up Steps – Role of National Treasury and County Governments
Introduction & Facilitation:
Dr. Alexander Jäger Project Leader, Alliance on Climate Risk Transfer Solutions / GIZ
Mr. Isaac Magina Senior Client Manager Africa / Swiss Re
Group 1: Budgetary Support Moderator: Mr. James Sinah Disaster Risk Financing and Agriculture Insurance Consultant / The World Bank Group
Group 2: Agriculture Policy Development Moderator: GIZ / Swiss Re
Group 3: Role of Counties in Implementation of KLIP
Moderator: Mr. Duncan Collins Khalai Market and Capacity Development Specialist / International Livestock Research Institute (ILRI)
12:30 Consolidate Feedback and Define Follow Up Steps
Dr. Richard Kyuma Project Coordinator KLIP, State Department of Livestock / Ministry of Agriculture and Irrigation
Dr. Alexander Jäger Project Leader, Alliance on Climate Risk Transfer Solutions / GIZ
Mr. Isaac Magina Senior Client Manager Africa / Swiss Re
13:00 Closing Remarks Dr. Alexander Jäger Project Leader, Alliance on Climate Risk Transfer Solutions / GIZ
Mr. John Karanu Head East Africa / Swiss Re
13:15 Closing Speech Mr. Julius Kiptarus Director of Livestock Production / Ministry of Agriculture and Irrigation
13:30 Networking Lunch
39
5.2 Annex 2: Participants
5.2A 17 & 18 April 2018
Executive Seminar for Members of the Kenyan Parliament
Name Position Institution
Kenyan Parliament
Hon. Moses Lessonet Vice Chairperson, Budget & Appropriation committee
National Assembly
Hon. (Dr.) Korei Ole Lemein MP, Budget & Appropriation committee
National Assembly
Hon. James Gichuki Mugambi MP, Budget & Appropriation committee
National Assembly
Hon. Danson Mwashako MP, Budget & Appropriation committee
National Assembly
Hon. Qalicha Gufu Wario MP, Budget & Appropriation committee
National Assembly
Hon. Naisula Lesuuda MP,Budget & Appropriation committee
National Assembly
Mr. Danson Kachumbo Staff, Budget & Appropriation committee
National Assembly
Hon. Moitalel ole Kenta Chairperson, Implementation committee
National Assembly
Hon. Alois Lentoimaga MP, Implementation committee National Assembly
Hon. Charles Ngusya Nguna MP, Implementation committee National Assembly
Hon. Joshua Mwalyo MP, Implementation committee National Assembly
Hon. Owen Yaa Baya, MP, Implementation committee National Assembly
Hon. Paul Abuor MP, Implementation committee National Assembly
Hon. Hassan Oda Hulufo MP, Implementation committee National Assembly
Mr. Abdirahman Hassan Staff, Implementation committee National Assembly
Hon. Joyce Kamene, MP, Agriculture & Livestock committee
National Assembly
40
Hon. Maison Leshoomo MP, Agriculture & Livestock committee
National Assembly
Hon. Justus Makokha Murunga
MP, Agriculture & Livestock committee
National Assembly
Hon. John Paul Mwirigi MP, Agriculture & Livestock committee
National Assembly
Hon. Adan Haji Yussuf MP, Agriculture & Livestock committee
National Assembly
Hon. Yegon Brighton Leonard MP, Agriculture & Livestock committee
National Assembly
Mr. Nicodemus K. Maluki Staff, Agriculture & Livestock committee
National Assembly
Mr. David Ngeno Staff, Agriculture & Livestock committee
The Senate
Mr. Philemon Okinda Staff, Agriculture & Livestock committee
The Senate
Ministry of Agriculture and Irrigation
Hon. Mwangi Kiunjuri Cabinet Secretary Ministry of Agriculture and Irrigation
Dr. Andrew Tuimur Chief Administration Secretary Ministry of Agriculture and Irrigation
Mr. Harry Kimtai Principal Secretary, State Department of Livestock
Ministry of Agriculture and Irrigation
Mr. Julius Kiptarus Director of Livestock Production Ministry of Agriculture and Irrigation
Mr. Vincent Githinji Deputy Director of Livestock Production
Ministry of Agriculture and Irrigation
Mr. David Malinga Personal Assisstant to the Principal Secretary
Ministry of Agriculture and Irrigation
Ms. Ruth Chelimo Personal Assistant to Director of Livestock Production
Ministry of Agriculture and Irrigation
Ms. Priscilla W. Muiruri Ministry of Agriculture and Irrigation
Ms. Sharon Makena Ministry of Agriculture and Irrigation
Ms. Grace Kimaru Ministry of Agriculture and Irrigation
Ms. Ruth Buyanzi Ministry of Agriculture and Irrigation
41
Dr. Richard Kyuma Project Coordinator, KLIP State Department of Livestock
Mr. Tom Kinara Communication and Network Development Officer, KLIP
State Department of Livestock
Mr. David Mwania Monitoring and Evaluation, KLIP State Department of Livestock
Ms. Josephine Ndunge Mutiso Chief Officer Administrator, CAS office
Ministry of Agriculture and Irrigation
Ms. Lilian Kimani Office Administrator, KLIP State Department of Livestock
Ms. Caroline Karimi Administrative support staff, KLIP State Department of Livestock
Ms. Alice Wakabochi Senior Officer Administrator, KLIP State Department of Livestock
Insurance Regulatory Authority
Mr. Godfrey Kiptum Ag. CEO & Commissioner of Insurance
IRA
Mr. Robert Kuloba Chief Manager, Policy Research & Development
IRA
Private Sector Institutions
Mr. Abdikarim Daud Livestock Sector Lead Kenya Markets Trust
Mr. Ashok Shah Group CEO APA Insurance, Apollo Group
Mr. Charles M. Wambua Head of Microinsurance & Agribusiness
APA Insurance, Apollo Group
Mr. Hassan Bashir Group Chief Executive Takaful Africa Group
Mr. Isaac Magina Senior Client Manager Africa Swiss Re
Mr. John Karanu Regional Manager East Africa Swiss Re
Ms. Mirriam Mulei Intervention Manager Kenya Markets Trust
Mr. Omar Jattani Kenya Livestock Marketing Council
42
Research Institutions
Dr. Andrew Mude Project Leader, Index-Based Livestock Insurance
International Livestock Research Institute
Mr. Duncan Khalai Market and Capacity Development Specialist
International Livestock Research Institute
International Organizations
Dr. Alexander Jäger Project Leader, Strategic Alliance on Sovereign Climate Risk Transfer
GIZ
Mr. Amani Packmohr Advisor, Strategic Alliance on Sovereign Climate Risk Transfer
GIZ
Mr. Barry Patrick Maher Senior Risk Financing and Insurance Specialist
The World Bank Group
Mr. James Sina Consultant, Disaster Risk Financing and Agriculture Insurance
The World Bank Group
Ms. Katharina Nett Advisor, InsuResilience Secretariat
GIZ
Mr. Stanley Miyogo External Consultant GIZ
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5.2B 19 & 20 April 2018
Executive Seminar for the National Treasury and Planning of Kenya &
County Officials
Name Position Institution
National Treasury and Planning of Kenya
Ms. Beldine Omolo Macro and Fiscal Affairs Department
National Treasury
Ms. Diana Mutisya Budget Department National Treasury
Mr. Geoffrey Sigei Resource Mobilization Department National Treasury
Ms. Isabel Joy Ochieng Financial and Sectoral Affairs Department
National Treasury
Ms. Mary Maina Macro and Fiscal Affairs Department
National Treasury
Ms. Mercy Ngacha Financial and Sectoral Affairs Department
National Treasury
Mr. Timothy Odipo Resource Mobilization Department National Treasury
County Governments
Hon. Yussuf Omar Abdi Chair Committee responsible for Agriculture
Garissa County
Mr. Issa Yarrow Kahin County Executive Committee Member
Garissa County
Mr. Mulki Salat Onle Chief Officer Garissa County
Hon. Ali Dima Leader of Minority Isiolo County
Mr. Benjamin Lopetet Chief Officer Isiolo County
Mr. Mohamed Dokata County Director of Livestock production
Isiolo County
Hon. Bishar Ibrahim Alio Chair Committee responsible for Livestock
Mandera County
Mr. Hussein Madey Deputy Director Livestock Production
Mandera County
Mr. Hawo Shanko County Executive Committee Member
Marsabit County
Mr. Moses Lengarite County Director of Livestock production
Marsabit County
Hon. Adamson Lanyasunya Chair of Agriculture Committee Samburu County
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Mr. Vincent Learaman County Executive Member of Agriculture Committee
Samburu County
Mr. Joseph Kilonzo County Director of Livestock production
Samburu County
Hon: Adamson L Lanyasunya Chair - Liaison Committee Samburu County
Mr. Java Bonaya County Executive Committee Member
Tana River County
Mr. Nzioka Wambua County Director of Livestock production
Tana River County
Hon. Erukudi E David Chair Committee responsible for Livestock
Turkana County
Mr. Chris Ajele County Director of Livestock production
Turkana County
Hon. Hussein Abdirahman Dahir Chair Committee responsible for Livestock
Wajir County
Mr. Abdullahi Ibrahim Abdi Chief Officer Wajir County
Mr. Daud Yakub Guliye County Director of Livestock production
Wajir County
Ministry of Agriculture and Irrigation
Mr. Vincent Githinji Deputy Director of Livestock Production
Ministry of Agriculture and Irrigation
Mr. David Malinga Personal Assisstant to the Principal Secretary
Ministry of Agriculture and Irrigation
Dr. Richard Kyuma Project Coordinator, KLIP State Department of Livestock
Mr. Tom Kinara, Communication and Network Development Officer, KLIP
State Department of Livestock
Mr. David Mwania, Monitoring and Evaluation, KLIP State Department of Livestock
Ms. Josephine Ndunge Mutiso Chief Officer Administrator, CAS office
Ministry of Agriculture and Irrigation
Ms. Lilian Kimani Office Administrator, KLIP State Department of Livestock
Ms. Caroline Karimi Administrative support staff, KLIP State Department of Livestock
Ms. Alice Wakabochi Senior Officer Administrator, KLIP State Department of Livestock
Insurance Regulatory Authority
Mr. Godfrey Kiptum Ag. CEO & Commissioner of Insurance
IRA
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Mr. Robert Kuloba Chief Manager, Policy Research & Development
IRA
Mr. Solomon Kitinga Chief Manager, Policy Research & Development
IRA
Private Sector Institutions
Mr. Abdikarim Daud Livestock Sector Lead Kenya Markets Trust
Ms. Ruth Buyanzi Livestock Sector Lead Kenya Markets Trust
Mr. Charles M. Wambua Head of Microinsurance & Agribusiness
APA Insurance, Apollo Group
Mr. Hassan Bashir Group Chief Executive Takaful Africa Group
Mr. Isaac Magina Senior Client Manager Africa Swiss Re
Mr. John Karanu Regional Manager East Africa Swiss Re
Ms. Mirriam Mulei Intervention Manager Kenya Markets Trust
Research Institutions
Dr. Andrew Mude Project Leader, Index-Based Livestock Insurance
International Livestock Research Institute
Mr. Duncan Khalai Market and Capacity Development Specialist
International Livestock Research Institute
International Organizations
Dr. Alexander Jäger Project Leader, develoPPP.de project „Alliance on Climate Risk Transfer Solutions”
GIZ
Mr. Amani Packmohr Advisor, Strategic Alliance on Sovereign Climate Risk Transfer
GIZ
Mr. Barry Patrick Maher Senior Risk Financing and Insurance Specialist
The World Bank Group
Mr. James Sina Consultant, Disaster Risk Financing and Agriculture Insurance
The World Bank Group
Ms. Katharina Nett Advisor, InsuResilience Secretariat GIZ
Mr. Stanley Miyogo External Consultant GIZ
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5.3 Annex 3: Speakers
Hassan Bashir
Chief Executive Officer (CEO)
Takaful Africa Group
Mr. Bashir has held key Executive positions over the last 16 years in the Insurance and technology
sectors in the East Africa Region. He has also been involved in higher education and has taught at
the United States International University (USIU) Chandaria School of Business, in Nairobi, Kenya
since the year 2001.
He is the Chairman of the Board of Directors of the Association of Kenya Insurers (AKI). Mr. Bashir
is a Mentor, an Educator and an Entrepreneur. He holds BSc International Business (IBA) USIU San
Diego and MBA (Marketing) from USIU and is currently pursuing his PHD at USIU-Africa.
Dr. Alexander Jäger
Project Leader, develoPPP.de project
“Alliance on Climate Risk Transfer Solutions”
Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ)
Dr. Alexander Jäger holds the position of an Advisor in the GIZ Competence Centre for Financial
Systems Development and Insurance, and leads the GIZ team for the “Alliance on Climate Risk
Transfer Solutions”, a partnership between SwissRe and the German Ministry for Economic
Cooperation and Development, represented by GIZ. In addition, Dr. Jäger is member of various global
GIZ task teams on climate risk insurance.
Prior to his engagement at GIZ, he was heading the technical assistance facility for a green finance
fund in Southeast Europe and the Caucasus region, responsible for the implementation of 80+
technical assistance projects. Dr. Jäger’s interest and expertise on risk transfer and management
started by working in the reinsurance sector and due to his PhD in the field of insurance and emerging
risks. Later, he became a Senior Consultant after several years working for Ernst & Young in the
insurance sector.
Mr. Jäger is a Certified Expert in Climate & Renewable Energy Finance (Frankfurt School of Finance
& Management) and did his PhD at the Universities of Stuttgart & St. Gallen.
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John Karanu
Head of East Africa
Swiss Re
John joined Swiss Re in 2001 as the Client Manager responsible for Ethiopia and Kenya based at the
Swiss Re's offices in Nairobi, Kenya. He later moved to Johannesburg in 2005 where he expanded
his territorial scope to include the wider East and Central Africa regions. In 2009, he relocated from
Johannesburg to Zurich as Client Manger. Further, in 2011 he was responsible for Swiss Re's
business growth in Ethiopia, Kenya, Uganda, Tanzania, South Sudan and Rwanda. He is currently
Head of East Africa.
John is a fellow of the Chartered Insurance Institute of London (FCII) and holds an MBA degree in
Strategic Management. In his pastime, he engages in farming and Real estate development.
Duncan Collins Khalai
Market and Capacity Development Specialist
International Livestock Research Institute (ILRI)
Duncan C. Khalai is a Market and Capacity Development Specialist, working for the Index Based
Livestock Insurance (IBLI) project at the International Livestock Research Institute (ILRI). He has over
5 years’ experience working on the development of market-mediated solutions aimed at promoting
adoption and scale of the IBLI product in the arid and semi- arid lands of Kenya and Ethiopia. His
work entails development and coordination of partnerships, influencing policy makers at both public
and private sectors and designing capacity development methods and extension tools. As part of
providing technical support to IBLI implementing partners, Duncan plays a critical role in supporting
research on technology and market based solutions for sustainable IBLI scale and adoption.
Before he joined ILRI, Duncan worked as an independent consultant specializing in organizational
systems strengthening, for small and medium organizations. He had previously worked as a programs
manager at a local NGO providing women’s economic empowerment through provision of
entrepreneurial training. Earlier, he worked at Innovations for Poverty Action (Kenya) as a field
associate, supporting a WASH study that examined the effects of free provision of dilute chlorine to
households via communal points of water collection.
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He holds an MBA in Entrepreneurship from Kabarak University and a Bachelor of Arts degree in
Linguistics and French from the University of Eastern Africa Baraton. He is also a certified Monitoring
and Evaluation specialist.
Robert Kuloba
Chief Manager, Policy Research and Development
Insurance Regulatory Authority
Robert is currently the Chief Manager, Policy Research and Development at the Insurance Regulatory
Authority Kenya. Robert has over 20 years of service in the public sector cutting across various
sectors from agriculture, public administration, governance, tourism and finance. Robert has since
2010 been instrumental in driving corporate strategy at the IRA.
He has been a member of various working groups, committees and task forces on insurance with
recent engagements being in the area of micro insurance policy development, agricultural insurance
policy development, establishment of the insurance fraud investigation unit as well as agency
development. Robert also sits on the project steering committee of KLIP and AYII. He holds a master’s
degree in economics (policy management) and he has attended various courses on leadership and
management.
Dr. Richard Kyuma
Program Coordinator KLIP
State Department of Livestock, Ministry of Agriculture and Irrigation
Dr. Richard Kyuma is the Program Coordinator of the Kenya Livestock Insurance Program (KLIP)
jointly implemented by the Government of Kenya (State Department of Livestock), World Bank and
ILRI. He holds a PhD in Dryland resource management from the University of Nairobi. PhD Thesis
title: “Evaluation of Prosopis juliflora productivity for carbon stocks and animal feeds under climate
variability in drylands of Magadi, Kenya”.
He is also a graduate of the ITC Faculty of Geo-Information Science and Earth Observation of the
University of Twente, in the Netherlands – (MSc. Geospatial data management for Natural resource
management: Specializing in Sustainable agriculture, 2008) and a BSc. in Range Management from
the University of Nairobi, 1991.
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Isaac Magina
Senior Client Manager Europe, Middle East and Africa,
Global Partnerships
Swiss Re
Isaac Magina is a Senior Client Manager at Swiss Re's Global Partnerships team, which focuses on
bridging the protection gap through Public Private sector partnerships and Microinsurance programs.
Isaac joined Global Partnership in September 2015 from UAP-Old Mutual Limited in Nairobi Kenya
where he had worked an Agriculture underwriter for seven years. He has also worked for Bayer
Cropscience as a product manager where he played a key role in opening up new agrochemical
markets in East Africa. While at UAP, he was instrumental in setting up the agriculture insurance
business unit. His ideas helped to develop innovative crop insurance concepts including the Kilimo
Salama and several other agriculture insurance initiatives.
He is currently dedicated to working with public and private sector players to develop risk transfer
solutions and insurance for agriculture in the English speaking sub-Saharan Africa. He is an alumnae
of Egerton University in Njoro with post graduate training in Marketing and Insurance.
Barry Patrick Maher
Senior Risk Financing and Insurance Specialist
The World Bank Group
Barry Maher is a qualified actuary with experience in the non-life insurance sector, the carbon and
renewable energy markets, financial inclusion as well as disaster risk financing. From a Lloyds of
London reinsurance syndicate, to an insurance agency, to the UN, he now works for the Disaster Risk
Financing and Insurance Program of the World Bank. Key activities undertaken in his current role
include leading policy dialog and developing customized financial solutions with Ministries of Finance
to improve their financial resilience to disaster shocks. Currently, he is focusing on developing
solutions for disaster risk finance to support shock-responsive safety nets and agriculture insurance
programs. Barry holds a Bachelor’s Degree in Actuarial and Financial Studies from the University
College of Dublin and a Masters in Statistics from the University of Oxford.
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.
Dr. Andrew Mude
Principal Economist
International Livestock Research Institute (ILRI)
Andrew Mude is a Principal Economist at the International Livestock Research Institute based in
Nairobi, Kenya. His current portfolio deals largely with researching and identifying risk-management
and development interventions to help increase resilience and reduce vulnerability amongst poor
livestock-dependent households, particularly pastoral populations. Andrew leads the effort to design,
implement and evaluate Index Based Livestock Insurance (IBLI) products aimed to help pastoralists
to manage the significant drought-related livestock risks that they face. The integrated IBLI program
brings together a range of high-calibre partners ranging from national and international insurance
companies, NGOs, the Government of Kenya, researchers from across the globe, a range of donors,
and community representatives.
For this, Andrew and his team have won several prestigious national and international awards
including Kenya’s first Vision 2030 ICT Innovation Award, USAIDs inaugural Science and Technology
Pioneers Award, the Poverty Reduction, Equity and Growth Network (PEGNet) Best-Practice Award
for most innovative project. Andrew completed his doctoral degree in Economics at Cornell University
in 2006 and was a Mid-Career Fellow of the Sustainability Science Program at Harvard’s Kennedy
School in 2011. He is the 2016 Normal Bourlog Award winner.
Isabel Joy Ochieng
Economist
The National Treasury and Planning - Kenya
Ms. Isabel Joy Ochieng holds the position of an Economist in the National Treasury and Planning of
Kenya, working in the Financial and Sectoral Affairs Department within the Directorate of Budget,
Fiscal and Economic Affairs. She has over four years of experience in economic policy formulation
and analysis in areas related to financial and sectoral matters including extractive industries, regional
integration and climate and disaster risk financing. She holds a Master of Science Degree in
Agricultural and Applied Economics from the University of Nairobi.
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James Muli Sinah
Disaster Risk Financing and Agriculture Insurance Consultant
The World Bank Group
James Sina is a Disaster Risk Financing and Agriculture Insurance Consultant, currently consulting
for World Bank. His current role includes assisting the Ministry of Agriculture and Irrigation to
implement a large-scale agricultural insurance scheme under private-public partnership.
Sina has also worked with GIZ on Adaptation to Climate Change and Insurance, where he was a
component lead for agriculture insurance. Under GIZ, Sina contributed in bringing agricultural
insurance to government policy agenda and supported the development of a report to justify the
launch of a large-scale scheme agriculture insurance scheme. Before joining GIZ, he worked with
Jubilee insurance as senior underwriter for one year and with Equity Bank in credit section for four
years. Sina holds a BSc. Food Science Technology from Egerton, Master Degree on Microfinance
from Bergamo University and he is finalising a Masters course on Climate Change from Nairobi
University.
Ashok Shah
Group Chief Executive Officer
APA Insurance, Apollo Group
Ashok Shah is the current Group CEO of Apollo Investments Limited. He has over 40 years of
experience in Insurance. He has major in Applied Chemistry from Kingston University (UK) and is a
Chartered Insurer by profession, and is a member of the Chartered Institute of Arbitrators. Other
directorships include: Barclays Bank, Central Depository System Corporation, Reliance Insurance
Company (Tanzania), APA Insurance (Uganda) Ltd, Apollo Life Assurance Ltd, and Apollo Asset
Management.
He is the first recipient of the Think Business Life Time Achievement Award for his contribution to the
Insurance Industry in Kenya. He is also involved in many social activities, mainly in support of the
underprivileged.
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Charles M. Wambua
Head of Microinsurance & Agribusiness
APA Insurance, Apollo Group
Mr. Wambua is the Head of Microinsurance and Agribusiness with APA Insurance (a leading
agricultural insurer in Kenya and currently the insurance Pool lead for the Kenya Agricultural
Insurance Program (KAIP)). He has previously played key roles in the microinsurance landscape
surveys for Kenya and for Africa jointly published by Munich Re Foundation and GIZ program “Making
Finance Work for Africa”. He has over 23 years of experience in economic development programs
drawn from several countries in Africa.