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

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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

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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.

Feasibility study for the development and implementation of index-based crop microinsurance for cotton farmers in Tajikistan

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The aim of this feasibility study is to examine the potential and feasibility for index-based crop insurance for the cotton sector in Tajikistan. The study was carried out after a methodology assessment was performed based on secondary data collection, field missions, focus group surveys, through direct and conference call meetings, as well as desk work analysis based on the DSSAT crop estimation model.

Developing the Microinsurance Sector in Sri Lanka

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This brief explores the Asian Development Bank's (ADB) Technical Assistance (TA) to Sri Lanka for Microinsurance Sector Development. The TA is expected to improve risk mitigation and reduce the vulnerability of the poor and low-income households in Sri Lanka by facilitating access to affordable life and general insurance products. It is primarily focused on conflict- and tsunami-affected areas to support the reconstruction of affected people.

A field study of microinsurance in the Philippines

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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.

Microinsurance in Burkina Faso

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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.

TUW SKOK, Poland

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As the primary insurance provider of the Polish credit unions (CUs), TUW SKOK’s history is linked to the re-emergence of the credit union movement after the fall of communism. Not long after the new credit unions began collecting savings, the National Association of Cooperative Savings and Credit Unions (NACSCU) planned for the provision of insurance as well. In 1993, CUNA Mutual and the Foundation for Polish Credit Unions (FPCU) launched Benefit, a joint venture that provided loan protection, life savings and funeral insurance.

Serviperú, Peru, Case study

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At the end of the 1980s and in the early 1990s, Peru suffered a severe economic crisis that led to the implementation of structural adjustments measures to achieve macroeconomic stability. These policies resulted in a revitalisation of the financial system, including the emergence of new types of financial institutions. In this context, low-income persons, who previously had not had access to credit, found funding alternatives in line with their circumstances, which enhanced their income and improved their living conditions.

Columna, Guatemala, Case Study

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In 1946, the Republic’s Congress created the Guatemalan Institute of Social Security (IGSS), which established several social protection benefits, including accident and illness at work, maternity coverage and health care. However, only employees with a fixed contract appearing on a company’s payroll could be members of the IGSS. Therefore, the self-employed, workers in the informal economy and the unemployed do not benefit from social security and are unprotected from the main health and death risks.

CARD MBA, Philippines

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The Center for Agriculture and Rural Development Mutual Benefit Association—CARD MBA— is part of the system of CARD Mutually Reinforcing Institutions (MRI) that also includes CARD Bank, CARD Inc. (a non-governmental organisation or NGO), and the CARD Training Center. The MBA offers life and disability insurance, as well as an obligatory provident fund to CARD Bank and CARD Inc. members. For CARD’s borrowers, MBA offers the All Loans Insurance Package (ALIP), which is a loan redemption scheme.

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