This report documents the human rights impact of one such Bank-financed program in Jordan, known as the Unified Cash Transfer Program, but commonly referred to by its original name, Takaful. After screening out families that do not meet basic eligibility criteria, Takaful uses an algorithm to identify which of those remaining should receive cash transfers by ranking their level of economic vulnerability. Drawing on interviews with applicants and beneficiaries, government officials, community activists, and an analysis of World Bank documents, Human Rights Watch found that this algorithm is leading to cash transfer decisions that deprive people of their rights to social security. The problem is not merely that the algorithm relies on inaccurate and unreliable data about people’s finances. Its formula also flattens the economic complexity of people’s lives into a crude ranking that pits one household against another, fueling social tension and perceptions of unfairness.

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