Regulation and supervision of microfinance business in Ethiopia: Achievements, challenges and prospects

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Until 1996, the provision of microfinance services in Ethiopia has been carried out mostly by donor funded programs through NGOs and government institutions. Most of the time a poverty lending approach was followed with subsidized interest rates. This practice has undermined loan collection performance leading to huge default and hence weakened the development of self-sustaining MFIs.

A regulatory review of formal and informal funeral insurance market in South Africa

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The provision of funeral cover is, if informal provision is included, both one of the most widely used financial services in South Africa and one of the most neglected. Recently, concern has grown about possible abuses in the provision of funeral cover, with several submissions made to the Parliamentary Committee on Finance in December 2003 suggesting wide scale abuse and fraudulent practices in the sector.

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.

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.

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.

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