Foyers de ce les derniers bulletin principalement sur la technologie. ' ; Technologie pour le microinsurance' ; tentatives de cataloguer et illustrer des technologies existantes, et ' ; Microcare et technology' efficace ; regarde les expériences de Microcare avec la technologie.
This literature review provides an overview of the current state of research on microinsurance, identifies key knowledge gaps and develops a conceptual framework to inform and organize the research agenda of the Microinsurance Facility in the area of impact evaluation, demand and supply issues. For the purpose of this review, microinsurance is defined in line with Churchill (2006) as an insurance that (i) operates by risk-pooling (ii) is financed through regular premiums and is (iii) tailored to the poor who would otherwise not be able to take out insurance. The main focus of the literature review is on voluntary insurance1. Other ways through which individuals or the public sector can insure against risks, such as precautionary savings, access to credit or through public safety nets are therefore not treated in detail in this review. However, this leads already to one key omission in the existing literature: generally, the benefits of microinsurance are not compared to alternative mechanisms that may provide insurancelike benefits, possibly in a more cost-effective way, such as microsavings, consumer or emergency credit, and public safety nets.
Microinsurance is the provision of insurance services to low-income people, who typically do not have access to insurance or to adequate social security services. Microinsurance is receiving increasing attention from donors as an effective strategy for helping the poor to cope with risks, reduce vulnerability, and build their asset base. This Note offers operational guidelines for donors as they construct a road map for entering or for getting more deeply involved in the sector. It recognizes that donors have different approaches in working with the sector—some more hands-on than others—and thus, it offers a broad framework that can be applied as needed. Donors include bi-lateral and multi-lateral agencies, regional development banks, development finance institutions, social investors, and foundations. A handful of donors have been at the forefront of microinsurance, implementing programs, documenting lessons, and developing tools for more effective donor involvement.
"In terms of the relationship with insurers, the delivery channel must be the primary driver in product development." -- Mariana Torres | Compartamos
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