The vast majority of foreign aid that's administered by the U.S. Agency for International

Development goes through middlemen, international aid agencies or U.S.-based private companies

that then distribute the assistance. Critics say the system leaves out many deserving locally-led

startups and non-government groups. In the second of three reports now, Fred de Sam Lazaro

explores the field of health care.

It's part of his ongoing series, Agents for Change.

For most people in Africa,

getting medical care is a nightmare.

It takes hours, even days to reach a clinic or hospital. So many people must rely on pharmacies, most of them small and family-owned,

like the one Kingsley-Wills runs in the small Ghanaian town of Tafoakiam.

So you were running out of things?

Yeah, we're running out of me.

For years it was a struggle for him, too.

Inventory wasn't moving, and when vendors came to collect payment, he had special instructions to staff.

When they can tell them, I'm not around.

You had to hide from your suppliers.

There's no money to pay.

This was completely empty. Then he was alerted a company called M-FARMA, started by Gregory Roxon, which has an unusual offer to pharmacies.

It stocks their shelves and owns the entire inventory.

Think of it as they lease in their shelf spaces to M-Farmer.

We make money if you make money.

If you don't make money, we don't make money.

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