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C'est la troisième édition du bulletin de Microinsurance édité par l'ADA pour le groupe de travail de CGAP sur Microinsurance. Soyez sûr de lire les articles intéressants dessus : risque et gestion des risques, et sur les innovations de microinsurance se produisant en Inde.

C'est la deuxième édition du bulletin de Microinsurance édité par l'ADA pour le groupe de travail de CGAP sur Microinsurance. Cette édition regarde les directives préliminaires pour des donateurs, une étude de cas du microinsurer Microcare de santé, et passe en revue le nouveau manuel technique - en faisant Microinsurance travaillez pour Microfinance. Des informations supplémentaires importantes sont offertes sur de nouvelles publications et formations. Soyez sûr de voir le produit intéressant accentuer sur l'insurance' de précipitations

In recent years the number of formal risk-sharing schemes for health care services in Ghana has risen rapidly. At present about 42 out of 110 districts are operating some form of formal community-based health insurance, which are voluntary and to a greater extent integrated to health care facilities. The success of these schemes depend largely on the extent to which they directly or indirectly lessen the financial burden of people who have suffered most since the inception of economic reforms in the health sector. The paper looked at the social inclusion aspects of the schemes by studying demand for the two oldest schemes by the poor and exploring design features that could enhance better coverage and improve financial protection for health care services. The findings portray a remarkable exclusion of the poorest of the poor, even from other forms of risk-sharing arrangements in the informal sector. The paper also identifies limitation on plan choice as a constraining factor and highlights re-direction of subsidies from urban areas to favour rural health infrastructure.

C'est la première édition du nouveau bulletin de Microinsurance édité par l'ADA pour le groupe de travail de CGAP sur Microinsurance. Cette édition regarde la demande de microinsurance, offre une étude de cas courte de programme du 's de CIDR dans la Guinée, et offre un groupe de l'autre information opportune et utile sur le microinsurance. Soyez sûr d'envoyer le message à insurance@microfinance.lu pour recevoir le prochain volume directement quand il est édité.

Since the end of the 1990s an increasing number of microfinance institutions have been trying to develop insurance products for their clients to reduce this risk including: health and life insurance, livestock and crop insurance, property insurance, compulsory insurance against loan defaults.

This paper is a summary of a very detailed study of the current demand for, and supply of, microinsurance in Jordan. The authors then use this information to address the gaps through a three-fold strategy” which they explain and discuss. The components of the strategy are (1) launching microinsurance, (2) widening the outreach of social assistance, and (3) reforming the operating social insurance schemes. For microinsurance, they suggest that only life and disability insurance is feasible at this time. This is an interesting piece relating to Jordan, but the process and discussion are likely relevant in many other countries, and especially other Arab countries.

This case study is another in The MicroInsurance Centre series of studies into various microinsurance delivery mechanisms. SEWA is an example of a full service insurer providing health, life, and property insurance.

Van Oppen takes an academic approach to insurance provision to the poor analyzing such provision from neo-liberal, structuralist, and environmentalist perspectives. The theoretical implications of these viewpoints are applied to the mechanisms of insurance, and show that insurance is a key developmental tool and can be used to the benefit or detriment of poor people.

After the two volumes of Insurance Provision for Low Income Communities / Households were published, there was a concern that MFIs might consider these volumes as almost How-to" manuals. It contains a simple decision tree, and a fine discussion on market assessment and response, as well as the role of the insurer in this relationship.

A brief overview of the MicroSave-Africa Market Research for microfinance course, acclaimed as "the best course on microfinance client demand available to MFIs in the world today, by a large margin." This course and the tools available from MicroSave-Africa on client demand assessment are highly useful in the assessment of insurance demand. Such assessment is critical to the proper preparation of the insurance product development process.

This paper summarizes the discussions of institutional and organizational structures for providing microinsurance to the poor from the 10/2000 conference. Through several focused questions, the discussion assesses the value of different methods of microinsurance delivery. See the list of ways to protect client interests in a partner-agent relationship for important considerations in planning the product.

This paper summarizes the discussions from the Virtual Conference on MicroInsurance held in October 2000. The document summarizes the discussions from the topics, Demand for Microinsurance”, The Provision of Microinsurance” and includes comments made regarding the role of donors in microinsurance. The paper is helpful in reviewing different perspectives on microinsurance, though shows a strong preference for the partner-agent model at least for the current stage of development of the vast majority of MFIs.

As a summary of the first week of discussions in the Virtual Conference, this document summarizes the "tentative lessons" emerging from the discussions and highlights a few of the outstanding questions that were raised during the week, but left unresolved. If you would like to comment on or correct any of the statements made in this summary, please do so through the cyber cafe on the Virtual Conference website.

These workshop proceedings focused attention on the potential common ground between the traditionally public sector oriented Social Protection Unit and the traditionally private sector oriented Financial Services Department in providing risk management products and services to the informal economy. The workshop was designed to help the World Bank begin discussions on a strategy to address microinsurance within its portfolio. The arguments presented will help a reader to think through some of the key issues of microinsurance, however the paper brings out more questions than it answers.

Using direct research from the experiences of clients in over eighteen MFIs in East Africa, Wright, provides an enlightening look at the risks faced by the poor. Then he outlines many of the numerous ways the poor address the risk in their lives. This document is peppered with examples of informal and formal insurance activities. It is a must-read for those interested in understanding the risks and coping mechanisms of the poor. Without this understanding, it is difficult to develop an appropriate response to their needs.

The increasing maturation and sophistication of the microfinance industry is producing some exciting trends. For various reasons, not the least of which is growing competition, microfinance institutions (MFIs) are learning more about the needs and demands of their target market. One of the things MFIs are hearing is that loans for microentrepreneurs only meet a small part of the demand for financial services in low-income communities. A microloan may help a household to increase its income, and may even help build some assets, but it does not reduce the household's vulnerability or exposure to risks. Easily available savings services can go a long way toward addressing this need, as households build a nest egg from which they can draw down in case of emergency or to smooth cash flow imbalances.

Quote of the Day

"There is a need for Government to play a significant role in helping to provide the risk management tools needed by very low-income families." -- Gaby Ramm | GIZ Consultant

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