Doing the Math with Property Insurance in Ghana

Description: 

In January 2012 the MILK Project designed a Client Math study in partnership with MicroEnsure-Ghana and Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ). The study was centered on the role of the insurance coverage in how insured entreprenuers coped with this shock, and thus explores the value of this type of coverage. This study shows in the case of Obra Pa the debt relief component of the insurance appears to offer value and few loans of uninsured clients were restructured. It was also found that the Obra Pa product’s loan forgiveness did improve the insured’s ability to borrow more, albeit from informal sources.

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Author: 

Barbara Magnoni, Taara Chandani and Emily Zimmerman

Publisher: 

MILK

Number of pages: 

9

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