Patterns of rainfall insurance participation in rural India

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This paper describes the contract design and institutional features of an innovative rainfall insurance policy offered to smallholder farmers in rural India, and presents preliminary evidence on the determinants of insurance participation. Insurance take-up is found to be decreasing in basis risk between insurance payouts and income fluctuations, increasing in household wealth and decreasing in the extent to which credit constraints bind. These results match with predictions of a simple neoclassical model appended with borrowing constraints.

Needs assessment and feasability study on disaster microinsurance: Empirical findings from four provinces in Indonesia

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Microinsurance is assuming an increasingly important role within Munich Re, particularly in the light of recent natural catastrophes, many of which have hit sections of the world’s population which have neither insurance cover nor the possibility of access to other suitable hedging instruments. In close liaison with key market players such as microfinance institutions, non-governmental organisations and local insurance companies, Munich Re plays an active part in market developments.

Micro-insurance in the Philippines: Policy and regulatory issues and challenges

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This study assesses the state of micro-insurance in the country, identifies the players and their performance, and the challenges facing micro-insurance development. The term “micro” pertains to the capacity of a program to handle the small, sometime irregular cash flows of poor households, who have been excluded in the commercial insurance system for a variety of reasons. Micro-insurance products, specifically designed with the poor in mind, will help mitigate risks and reduce the vulnerability of poor households.

Insurance in emerging markets: Sound development, greenfield for agricultural insurance

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This sigma is the latest installment in an annual series that focuses on economic and insurance trends in emerging markets. The first part of this report will over recent developments in emerging markets, whilst agricultural insurance, which is deemed to be of growing important to emerging markets, will be highlighted for more in-depth analysis in the second part. This study covers emerging markets in five regions: Asia, Latin American and the Caribbean (referred to as Latin America).

Developing principles for the regulation of microinsurance (Philippine case study)

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Low income households find it hard to cope with the risks brought about by an illness or injury, death of a family member, man-made calamities and natural disasters. Demand for microinsurance products is growing and both formal and informal microinsurance schemes have started to emerge to address this need. This paper seeks to provide a better understanding of the micro-insurance market in the Philippines and to draw certain principles for micro-insurance regulation from a review of the Philippine experience with micro-insurance.

Uganda country diagnosis: Making insurance markets work for the poor: Microinsurance policy, regulation and supervision

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This document forms part of a larger cross-country study looking at the micro-insurance experience in Colombia, India, the Philippines, South Africa and Uganda in order to develop a set of guidelines that can assist developing countries in creating a facilitative regulatory environment for micro-insurance. The ultimate aim of this cross-country study is greater financial inclusion particularly for insurance products, and it is therefore important that an understanding of financial inclusion and its determinants forms the basis for the rest of the analysis.


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