Gender Impact of MicroInsurance

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Gender equality is gaining increasing attention as illustrated by the third Millennium Development Goal (MDG number 3): “promote gender equality and empower women”.
This goal was set after the realisation that women and men face the same obstacles but have unequal access to resources enabling them to overcome these obstacles: unequal access to resources, education, technology, labour, capital and credit.

A Practical Guide to Impact Assessments in Microinsurance

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The new book “A Practical Guide to Impact Assessments in Microinsurance” is the result of the work of the Microinsurance Network Impact Working Group in collaboration with 25 authors, and aims to guide donors and policy makers, academic scholars, and microinsurance practitioners in designing and carrying out high quality impact evaluations in microinsurance.

Kilimo Salama – Index-based agriculture insurance

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The objective of this case study is to describe the design and implementation of an index-based agricultural insurance product targeting rural farmers in Kenya. The Kilimo Salama (?Safe Agriculture? in Kiswahili) product has been successful in protecting farmers against risks from drought or excessive rainfall, both of which can have disastrous effects on the harvest.

Creating safety nets through semi-parametric index-based insurance: A simulation for northern Ghana

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In West Africa, farm income is highly exposed to risks from crop failure in the drier, inland areas, and from fluctuations in (world market) prices in the wetter coastal areas. As individuals and even extended families are poorly equipped to deal with these, provision of social safety nets is required. This paper reviews the situation in Ghana and the way in which the new financial instrument of index-based insurance might contribute to better it, focusing on the estimation of a crop indemnification scheme for farmers in Northern Ghana.

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.

The Financial Impact of Formal Health Insurance Schemes: Evidence from Uganda

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With only one licensed health insurer targeted at the informal segment, Uganda relies heavily on out-of-pocket payments for health care financing. Financial consequences are severe in the short and the long-term. Medical bills are larger than people’s ability-to-pay, one feels less financially secure and uses other (expensive) measures to cover health care expenses. Many households are forced to borrow from the community for which the long-term impact can be disastrous.

Brokering change in the low-income market: The Threats and opportunities to the intermediation of microinsurance in South Africa

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This study was commissioned with the goal of identifying and reviewing the threats to and opportunities for the intermediation of insurance to low-income (LSM 1-5) households in South Africa. The terms of reference of the study included a specific focus on the broker as an intermediary category and an assessment of the broker’s ability to successfully sell insurance products to the low-income market. The first section briefly looks at some of the fundamentals that are important for the discussion to follow.

Social capital and microinsurance: Insights from the field evidence in India

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This article examines the linkages between social capital and microinsurance using evidences obtained from a 2005 household survey conducted across several locations in India. The current body of literature suggests that micro health insurance schemes are in fact able to mobilize social capital for the purpose of encouraging voluntary affiliation of resource-poor persons operating within the space of the informal economy.

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