STRENGTHEN INSTITUTIONS TO ENHANCE RESILIENCE: Disaster Risk Financing Model for the Vulnerable Persons in Kenya

Background: Among the most commonly used social safety net programs across the globe is the cash transfer program. While developed economies have successfully applied the strategic social intervention appropriately, very little if any can be talked of in Sub-Saharan African including Kenya. In Kenya, many challenges such as inadequate funds, ghost beneficiaries, dwindling sustainability issues among others hamper effective implementation. Purpose: The main purpose of the paper was to evaluate the effectiveness of the cash transfer program in the wake of covid-19 pandemic having unmatched social-economic impact on the people but more so on the vulnerable groups. Methodology: The paper adopted descriptive survey research design, target population were all beneficiaries of the social welfare benefits. Sample population 163 respondents chosen in the clusters of 35 County Commissioners, 5 key informant from the state Department of Social Protection and 123 beneficiaries from 41 counties with 3 benefactors chosen from each of the 41 counties studied163. Data collection was conducted by use of questionnaires and interview schedules for primary data while secondary data relied on documents analysis from the respective ministries, departments and government agencies. Analysis of data was done by use of descriptive statistics and findings presented through tables, graphs and pie-charts. Findings: The study found out that a number of eligible people are not benefiting due to insufficient funds, the administrative system and structures are equally not fit for purpose as significant number of respondents opting for alternative measures such as establishment of National Vulnerability Insurance Fund, Special Interest Group Co-operatives, and subsidized micro-insurance packages. Recommendations: The study recommended an overhaul of the current social safety programmes of cash transfer stipend to make it more effective and efficient. It was recommended that alternative programs be explored and monthly stipend to be improved from Kshs. 2,000 to at least Kshs. 3,000