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A third of the global labour force is not earning enough to lift themselves and their families above the poverty line. Although most development and government programmes focus on creating more jobs, it's clear that we need to focus on their quality as well.
Drawing on a new ILO database, this report provides an up-to-date and realistic assessment of the global contribution of self-employment and micro- and small enterprises to employment – both in the formal and the informal economy.
How can we tackle the complex question of client value in microinsurance? Michal Matul discusses the challenges of analysing client value and the importance of significantly accelerating value as the industry develops.
There is a clear need for better risk management for small scale farmers, yet the demand for microinsurance from clients is not necessarily there. Pranav Prashad discusses the challenges of delivering agricultural microinsurance.
Working directly with customers brings a new perspective on the problem of financial inclusion: a deeper understanding of demand could be key to designing a meaningful and sustainable offering, particularly as we realize how little we actually know.
Good partnerships have been identified as one of the key factors in the success of a microinsurance programme. This paper analyses microinsurance partnerships and identifies key themes based on the experiences of various organizations.
This second volume is a unique collection of recent practices and emerging ideas in microinsurance. It covers numerous innovations that have emerged in recent years to meet the challenges of providing insurance to low-income people, from new products and delivery channels to consumer education tools, while examining changes in regulations, providers and schemes.
Insurers and their distribution partners need to consider how their programs contribute to the core business of distribution partners—beyond the direct financial benefit of commissions—in order to be successful in the long term.
In order to improve the outreach of mutual insurance organizations, the Centre for International Development and Research in Guinea (CIDR) decided to diversify beyond the common family health product. One of the innovative products introduced was a school health product that covers the health risks of children while at school, and is designed to meet the needs of the schools and parents.
This video was captured during the microinsurance training event organised by the Gordon Institute of Business Science and supported by the Microinsurance Innovation Facility, in October 2010. Janice Angove and Nashelo Tande, from the actuarial consultancy Quindiem, present the business case for microinsurance.
Drawing on Quindiem’s research into insurance and the low-income market, Angove and Tande discuss how microinsurance can contribute to a company’s sustainability, the keys to success within this market and how insurers must balance innovation with good business practice.
Is there a business case for microinsurance? Under what circumstances can insurance companies generate profits from microinsurance? These are important questions because insurers are increasingly interested to expand into the low-income market. To encourage this expansion, microinsurance initiatives need to demonstrate that they are commercially viable and sustainable over time. This note assesses the business case for microinsurance through case studies of five microinsurance initiatives.