Microinsurance decisions: Evidence from Ethiopia

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This study reviews evidence collected from a microinsurance field experiment in rural Ethiopia. The experiment involves collecting data from individuals in order to predict the shape of the demand curve for indexed insurance. The study finds that the relationship between demand for index insurance and wealth levels is none linear and that individuals with intermediate levels of wealth have the highest demand while the richest and the poorest exhibited much lower demand.

Managing microinsurance partnerships

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"Good" partnerships have been identified as one of the key factors in the success of a microinsurance programme. Insurers, reluctant to employ the direct sales model in a microinsurance context, need to form partnerships with organisations that can serve as distribution channels. Given cost pressures and the need to reach scale in microinsurance, these partnerships are crucial to the success of the programme. The number of multi-stakeholder partnerships in microinsurance is also growing, as governments and donors become active players.

Lutte Contre l’insécurité Alimentaire au Niger: Une Solution par la Micro Assurance Agricole

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Le Niger a été confronté à deux crises alimentaires (2005 et 2010) en cinq ans. Les solutions (aides extérieure, distributions gratuite et vente à prix modérés des céréales) préconisées par les autorités sont ponctuelles et ne permettent pas de prévenir les effets d’éventuelles crises. A travers cette analyse essaye d’analyser la possibilité du développement d’un produit de micro assurance agricole à l’intention des populations.

Kenya’s engagement with the standard setting bodies and the implications for financial inclusion

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This case study highlights the experience of Kenya in implementing international standards in the financial sector and the interaction, where relevant, with the topic of financial inclusion – a topic that is of particular relevance to Kenya. It draws on a questionnaire completed by the relevant regulatory authorities, coordinated by the Central Bank of Kenya (CBK), as well as meetings with each relevant regulatory authority.

Is it all about the money? A randomized evaluation of the impact of insurance literacy and marketing treatments on the demand for health microinsurance in Senegal

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In Senegal mutual health organisations (MHOs) have been present in the greater region of Thiès for years. Despite their benefits, in some areas there remain low take-up rates. For this study, an insurance literacy module was used to communicate the benefits of health microinsurance and the functioning of MHOs to a randomly selected sample of households in the city of Thiès. The effects of this training, and three cross-cutting marketing treatments, are evaluated using a randomised control trial.

International Microinsurance Conference: Learning Sessions Ghana

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The 'International Microinsurance Conference--Learning Session Ghana' was held from 22 to 23 May, 2012 in Accra with the aim of further promoting microinsurance in Ghana. The report at hand summarises the key issues and messages which emerged from the discussions at the conference. It is structured along the six thematic learning sessions presented during the conference: (1) Regulation, (2) Managing Information, (3) Pricing and the Development of Actuarial Capacity, (4) Research and Development, (5) Distribution Channels, and (6) Innovation and Technology.

Improving working conditions in informal sector economies: Exploring the application of value chain finance strategies-microinsurance and microleasing

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The Value Initiative, a global urban value chain action-research program (a joint project of the SEEP Network and the Bill & Melinda Gates Foundation) addresses the issue of improving working conditions in informal sector economies by answering one of its core action research question: How can you apply market development and private sector development principles to address working conditions challenges faced by the urban poor?

Impact of education on informal workers willingness to pay and knowledge of health insurance

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A literature review identified a number of barriers that restrict potential clients from joining health insurance schemes in developing countries. Among those, the “literacy gap” i.e. the lack of knowledge about insurance was found to be an important one. In Bangladesh, studies on knowledge about health insurance are not readily found.

ICMIF's Prosper n°10: Sowing the seeds of mutual protection

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The Issue 10 of Prosper, ICMIF Microinsurance development magazine, is available. The issue gathers a wide range of stories from ICMIF's members around the world, demonstrating an innovative and socially responsible movement. New products are regularly being introduced, including, amongst others, ones originating in El Salvador, Algeria, India and Cameroon, highlighting how mutuals are continually striving to satisfy their members’ needs.

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