The Potential of weather index insurance for spurring a green revolution in Africa

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This paper focuses on the potential of index-based weather insurance products for contributing to a green revolution in Africa.The authors begin by building a conceptual framework that links poverty, risk, and missing financial markets. Next, they present the case for why weather risk transfer and agricultural insurance can contribute to development. They then review the fundamental problems with traditional agricultural insurance products, which motivated efforts to develop alternatives such as index-based insurance products.

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

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This is the report of the South African country study on the impact of regulation on the development of the micro-insurance market. As such it forms part of a larger cross-country study which considers the micro-insurance experience in Colombia, India, the Philippines, South Africa and Uganda with a view to develop a set of guidelines that can assist developing countries to establish a facilitative regulatory environment for micro-insurance. The report describes the regulatory landscape in South Africa as it impacts on the delivery of micro insurance.

Philippines country diagnostic: Making insurance markets work for the poor: microinsurance policy, regulation and supervision. Philippines case study

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The Philippines has a strong mutual/cooperative tradition and informal risk pooling and underwriting is common. This, together with the growth of the microfinance industry, has been the driving force behind the development of microinsurance. Besides India, the Philippines is the only sample country where microinsurance is explicitly provided for in the insurance regulatory regime.

Microinsurance: Does traditional regulation apply?

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Illness or injury, death of a family member, man-made calamities and natural disasters have a devastating effect on low-income households’ cash flow, liquidity, and earning capacities and this, on household welfare. The growing demand for microinsurance (insurance services geared for low-income households) is a response to continuing risks that threaten poor households’ welfare. This is a recent phenomenon.

Micro health insurance: The quest for a balance between different interests of healthcare providers, clients and insurers

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The three partners in the equation of health insurance are the clients, the providers of care and the insurers. Each of the stakeholders aims at different objectives: providers of healthcare seek to deliver health services, and each provider focuses on those services that it has capacity to deliver. The objective of insurers is to ensure that expenditure levels will not exceed the income. And the objective of clients is to obtain affordable and good quality services that are relevant in their context, through a process that they consider as fair.

Measuring access to financial services in Nigeria, results of EFINA’s national survey on access to financial services in Nigeria 2008

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This presentation displays the results of EFInA’s National Survey on Access to Financial Services in Nigeria in 2008. The objective of the survey was to research the ways that consumers demand financial services in Nigeria.

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Making insurance markets work for the poor: The case of the Philippines

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Access to insurance may be an important strategy for reducing poverty. Financial markets, and particularly insurance services, can help poor people manage critical risks such as death in the family, illness, or loss of income or property. Despite the growing importance and expansion of microinsurance services geared to low-income people, microinsurance penetration remains limited, leaving the vast majority of poor people without adequate protection.

Making insurance markets work for the poor: The case of India

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Access to insurance may be an important strategy for reducing poverty, as financial markets, and particularly insurance services, can help poor people manage critical risks such as death in the family, illness, or loss of income or property. Despite the growing importance and expansion of microinsurance services geared to low-income people, microinsurance penetration remains limited, leaving the vast majority of poor people without adequate protection.

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