Risk Transfer and Capital Adequacy - Manual 5

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Agricultural production is inherently subject to a variety of risks because management decisions or states-of-nature often generate future outcomes (either favorable or unfavorable) that cannot be predicted with certainty. The variability of these outcomes represents risk. Some risks are managed through production and fi nancial decision-making, while others are simply accepted as business expenses. In addition, some risks can be managed through a variety of contractual and insurance related products.

A field study of microinsurance in the Philippines

This paper presents the results of an extensive survey of the risks faced by Philippino microentrepreneurs. The authors argue that many of the risks would be best addressed through non-insurance means, but that insurance is appropriate and viable in the management of certain risks for example, the death of a member of a household enterprise. The authors provide a fascinating account of the emergence of microinsurance based on indigenous “insurance like” mechanisms.

The Microinsurance market in Senegal, in Microinsurance: What do we know?

Today, regulatory supervisors, governments, public and private donors, and stakeholders in the insurance market are committed to improving access to insurance products. New legislation on microinsurance, sound policies conducive to the development of insurance markets, and the growing activity of traditional insurance and reinsurance companies in this field are clear signals in this direction.

The microinsurance market in Peru , in Microinsurance: What do we know?

Today, regulatory supervisors, governments, public and private donors, and stakeholders in the insurance market are committed to improving access to insurance products. New legislation on microinsurance, sound policies conducive to the development of insurance markets, and the growing activity of traditional insurance and reinsurance companies in this field are clear signals in this direction.

The Microinsurance market in Guatemala, in Microinsurance: What do we know?

Today, regulatory supervisors, governments, public and private donors, and stakeholders in the insurance market are committed to improving access to insurance products. New legislation on microinsurance, sound policies conducive to the development of insurance markets, and the growing activity of traditional insurance and reinsurance companies in this field are clear signals in this direction.

The microinsurance market in Colombia, in Microinsurance: What do we know?

Today, regulatory supervisors, governments, public and private donors, and stakeholders in the insurance market are committed to improving access to insurance products. New legislation on microinsurance, sound policies conducive to the development of insurance markets, and the growing activity of traditional insurance and reinsurance companies in this field are clear signals in this direction.

Protecting what our clients build: Microinsurance as the next step

This interview with Jose Luis Agüela Palmieri, ACCION Resident Advisor to ParaLife, a Colombia-based organization with the mission of providing financial security to the disabled and the vulnerable entrepreneurial poor through microinsurance, discusses whether or not microinsurance can really protect the poor from devastating losses such as natural disasters, and theft.

Microinsurance in Burkina Faso

This paper presents findings of fieldwork in Burkina Faso on life, health and cattle insurance. The findings suggest that even in a country as poor as Burkina Faso, microinsurance schemes can flourish. The research finds that simpler forms of insurance can be operated relatively effectively, with limited actuarial skills, provided that pricing is prudent and that institutional defences are in place to combat the hazards that typically affect microinsurance schemes.

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