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Micro insurance : what can donors do (Inglês)

In most countries, reaching scale and providing real value to clients will likely require donor involvement in the medium term. Donors will need appropriate expertise and resources to engage effectively in micro insurance because it is relatively new, complex, and risky. Donors have diverse reasons for wanting to support micro insurance. Even within the same agency, different units may have varying views on how subsidies can be used best, how much clients should pay for insurance services, and what roles the government and the private sector should play. Strategic clarity on the reasons for engaging in micro insurance affects how a donor's objectives are set, how expertise is recruited, and what type of monitoring is implemented. There is still no consensus on what constitutes good performance for micro insurance programming. In part, this is simply because micro insurance is a relatively new area. To improve accountability for results, donors should agree up front on desired outcomes and performance. The Consultative Group to Assist the Poorest (CGAP) Working Group on Micro insurance's subgroup on performance indicators is leading efforts to define industry wide reporting ratios and, ultimately, to establish benchmarks. This work is essential to improve performance reporting and will help shape donors' performance agreements with partners.


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    Latortue, Alexia; Montesquiou, Aude de; Ward, Vanessa;

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    Micro insurance : what can donors do?

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    capacity of institutions;amount of fund;risk management strategy;socially responsible investor;loss of property;accountability for results;access to insurance;regional development bank;cell phone networks;insurance service;insurance companies;formal insurers;distribution channel;microfinance institution;market infrastructure;public good;financial service;macro level;Public Goods;delivery channels;informal sector;retail store;recourse mechanism;life instrument;household survey;credit union;insurance supervision;Clearing houses;Funding agencies;advocacy tool;donor support;holding company;awareness building;insurance product;crop insurance;market condition;Social Protection;natural disaster;low-income people;multilateral agency;performance agreement;performance reporting;consumer education;donor agencies;donor funding;consumer protection;alternative delivery;competitive innovation;environment approach;insurance provider;business model;seed capital;low-income consumer;consumer interest;performance benchmark;Financial Sector;Labor Union;non-governmental organization;aid effectiveness;product level;business planning;market knowledge;supply chain;insurance subsidiary;



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