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Unlocking Smallholder Credit: Does Credit-Linked Agricultural Insurance Work?

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Unlocking Smallholder Credit: Does Credit-Linked Agricultural Insurance Work?

This paper reviews possibilities for, and experience with, credit-linked crop insurance, including different types of insurance and credit arrangements, ranging from insurance sold to individual farmers to meso insurance sold to FSPs to cover losses suffered by farmer borrowers. The paper describes the main methods of linkage that are being tested or proposed, identifies the critical features of each method, and discusses the advantages and limitations for the three parties - farmers, FSPs, and insurers. The key to understanding if insurance linkages really make an impact on credit involves comparing what is likely to happen in the credit market with and without insurance linkages, that is do insurance linkages make a difference.

File Name: Unlocking_Smallholder_Credit.pdf
File Type: application/pdf
Download: 90 times
Created Date: 01-01-2018

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"With microinsurance, you must think with your calculator, not with your heart." -- Aris Alip | CARD MRI

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