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Insurance in developing countries

Content owner: 
LLoyds
Topics: 
General
Data
Micro-level
Full Publication Microinsurance is a unique topic for a Lloyd’s 360 Risk Insight report. Usually, we advise businesses on managing emerging risks but this report focuses more on opportunity than emerging risk. Produced by Lloyd’s and the MicroInsurance Centre, this report sets out the understanding, mechanisms and partnerships needed to deliver insurance to three billion low income individuals across the globe, and how this will bring benefits to both the developing world and the insurance industry. Microinsurance is not charity, it is business, but it will require insurers to change their...
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Social performance indicators for microinsurance

Content owner: 
MicroInsurance Network
Topics: 
General
Micro-level
Microinsurance pioneers and practitioners frequently underline their social focus but are often unable to support these intentions with figures and adapted reports. The social performance indicators presented in this handbook allow practitioners to go beyond good intentions by monitoring and documenting their social performance and improving their operations accordingly. This handbook describes a framework, which includes a set of principles, guidelines and key performance indicators, that is designed to support microinsurance practitioners to monitor, improve and champion social performance...
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PERFORMANCE INDICATORS FOR MICROINSURANCE

Content owner: 
Microinsurance Network
Topics: 
General
Micro-level
Microinsurance is regarded by some as a risk management mechanism that the poor can use to compensate for the lack of appropriate state-sponsored social protection programmes. Alternatively, it is viewed by others as an opportunity to provide financial services to the low-income market at a profit. Regardless of where the emphasis is placed, all microinsurance programmes should aim to become viable since donor or government subsidies are either only temporary or not available. Without subsidies, all programmes are subject to the same economic and market forces as mainstream businesses, and...
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Closing the Credit Gap for Formal and Informal Micro, Small, and Medium Enterprises

Topics: 
General
Micro-level
Meso-level
Macro-level
Job creation and economic growth through private sector development have become primary areas of focus for policy makers around the world in the aftermath of the global financial crisis. Recent evidence points to the importance of small and medium enterprises (SMEs)1 in providing employment across countries. In addition to employing the largest number of people in aggregate, SMEs generate the most new jobs (Ayyagari et al., 2011). But SMEs also face many challenges in day-to-day operations and to grow. Access to finance is often cited as one of the primary obstacles that affect SMEs...
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Innovative Agricultural SME Finance Models

Topics: 
General
Micro-level
Meso-level
What innovations can help bankers in developing countries who wish to finance agricultural small and medium enterprises (SMEs)? This report tries to answer this question by isolating promising cases of emergent and innovative financing, risk mitigation, and distribution models. The paper identifies key elements observed across case studies. In the report, case studies are documented, models are observed, and patterns are determined. The report primarily addresses private sector financial institutions in developing countries and therefore focuses on models from the private sector perspective.
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Unlocking mobile technologies’ transformative power in Kenya

Topics: 
Weather index
Micro-level
Jackson Kahiga, a small scale Kenyan farmer, talks about his exprience with Index Insurance
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Engaging the private sector to protect farming communities

Topics: 
Product design
Weather index
Area yield
Micro-level
Meso-level
ACRE's Kenyan experience
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Taking the benefits of index insurance to livestock farmers

Topics: 
Weather index
Livestock
Micro-level
Herders welcome livestock insurance
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Kilimo Salama (Safe Farming) Weather Index Insurance in Kenya: Early Market Success

Topics: 
Weather index
Area yield
Hybrid
Other frameworks
Satellite data
Micro-level
Country: 
Kenya
Region: 
Sub-Saharan Africa
The Syngenta Foundation’s Kilimo Salama weather index insurance program has taken off in Kenya and has recently expanded to Rwanda and Tanzania. Beginning in 2009 with a pilot project offering index insurance to 200 farmers, at last count 51,000 farmers in Kenya and 14,000 farmers in Rwanda have the insurance. In 2011, Kilimo Salama’s partner UAP Insurance collected KSh 19 million in premium payments, and premium revenue has nearly doubled to KSh 33 million in just the first six months of 2012. These premium volumes are approaching levels than can make index insurance economically sustainable...
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IFC, SANASA Insurance Contribute to Food Security in Sri Lanka through Weather Insurance

Topics: 
Premium subsidies
Product design
Weather index
Area yield
Hybrid
Product distribution
Micro-level
Meso-level
Country: 
Sri Lanka
IFC, a member of the World Bank Group through its Global Index Insurance Facility (GIIF), has entered into a project agreement with SANASA Insurance Company Ltd, to support the development and use of flexible and affordable weather index insurance products to help minimize the impact of crop losses due to floods or droughts on farmer livelihoods. The project objective is to expand access to insurance for food crops such as rice and in turn offer protection for up to 15,000 small-scale farmers against weather-related risks and natural disasters. The project will also raise awareness amongst 50...
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