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Microinsurance that Works for Women : Making Microinsurance Programs Gender-Sensitive
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Women comprise 70 percent of the world`s poor. They earn less income than men and have less ownership and control of property. They face disproportionate levels of physical vulnerability and violence. When these vulnerabilities are combined with the responsibility of ensuring the welfare and security of their families, it is clear that women have a unique and pressing need for appropriate means to manage risk. Women tend to dominate in the roles of caregiver, homemaker, and increasingly as household resource managers and income earners, through formal employment or informal businesses. Inherent to these roles is the responsibility of coping with risks such as health problems, death in the family or emergencies. Unmanaged, any one of these risks can deliver serious and often devastating financial shocks to poor women and their households, potentially intensifying poverty, instability and vulnerability.
 
10 2009
 
Anjali Banthia, Susan Johnson, Michael J. McCord and Brandon Mathews

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