The pilot phase of the Digitised Microinsurance Agent Network among Informal Entrepreneurs in Ghana (DiMiieGha) project delivered a series of training sessions to prepare informal entrepreneurs to participate in a digitised microinsurance distribution network. A key component of a larger ReFinD-funded greenfield project implemented by ISSER, the pilot seeks to assess the feasibility, usability, and early outcomes of deploying informal entrepreneurs as microinsurance agents within their communities.
“This training is a crucial first step in understanding how informal business owners can become effective conduits for microinsurance. By equipping them with the right skills and digital tools, the research team is not only testing an innovative service model but also examining how it can enhance livelihoods and strengthen resilience among low‑income populations,” noted Principal Investigator Prof. Simon Bawakyillenuo.
The training was conducted in collaboration with TransactShield Africa Limited and served as the pilot’s core intervention. Participants -- randomly selected informal business owners from Kwamoso and Adawso in the Eastern Region, and Kaneshie and Abeka in the Greater Accra Region -- were identified through a prior listing exercise and selected based on predefined criteria, including ownership of a permanent business structure, access to a smartphone, being over 18 years of age, and having at least a Junior High School level of education.
With logistical support from ISSER, TransactShield Africa Limited, as the intervention implementer, led the sessions, equipping participants with the skills required to sell microinsurance products using digital platforms.
The sessions took place in Adawso on 17, 19, and 20 November 2025 and in Kaneshie from 25–27 November 2025. Insights generated from the pilot will inform the design and implementation of the full-scale Randomized Control Trial (RCT) under the ReFinD Greenfield Project, contributing to evidence on scalable pathways to expanding digitalised microinsurance access in Ghana’s informal sector.