Microinsurance decisions: Evidence from Ethiopia

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This study reviews evidence collected from a microinsurance field experiment in rural Ethiopia. The experiment involves collecting data from individuals in order to predict the shape of the demand curve for indexed insurance. The study finds that the relationship between demand for index insurance and wealth levels is none linear and that individuals with intermediate levels of wealth have the highest demand while the richest and the poorest exhibited much lower demand.

Lutte Contre l’insécurité Alimentaire au Niger: Une Solution par la Micro Assurance Agricole

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Le Niger a été confronté à deux crises alimentaires (2005 et 2010) en cinq ans. Les solutions (aides extérieure, distributions gratuite et vente à prix modérés des céréales) préconisées par les autorités sont ponctuelles et ne permettent pas de prévenir les effets d’éventuelles crises. A travers cette analyse essaye d’analyser la possibilité du développement d’un produit de micro assurance agricole à l’intention des populations.

Do caste and social interactions affect risk attitudes and adoption of microinsurance? Evidence from rainfall insurance adoption in Gujarat, India

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Agriculture is a risky enterprise and farmers’ risk bearing capacity as well as their risk management strategies are determined by their risk preferences or risk attitudes. Risk preferences of the farmers are central to agricultural decision making in the context of adoption of new technology and agricultural innovations. Risk factors are also critical in determining the consequences of risk on household welfare.

Barriers to household risk management: Evidence from India

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Why do many households remain exposed to large exogenous sources of non-systematic income risk? To answer this question, this paper uses a series of randomised field experiments in rural India to test the importance of price and non-price factors in the adoption of the innovative rainfall insurance product. Demand is significantly price sensitive, but widespread take-up would not be achieved even if the product offered a payout ratio comparable to U.S. insurance contracts.

A Case for Livestock Insurance

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The case presents lessons from IFFCO-TOKIO's implementation of a livestock insurance product using radio-frequency identification technology. It outlines how IFFCO-TOKIO improved value for clients through new business processes. The case shows that if administered carefully, livestock insurance has the potential to be viable.

Insuring the Uninsurable for Poverty Alleviation in Nigeria: What Microinsurance can do?

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In Nigeria there is low insurance patronage and the vast majority of citizens are exposed to various types of risks. The resulting effects are poverty, economic insecurity, insurgency, and social vices. Microinsurance is considered as one of the most effective means of reducing the vulnerability of the poor from the impacts of disease, theft, violence, disability, fire and other hazards.


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