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A field study of microinsurance in the Philippines

This paper presents the results of an extensive survey of the risks faced by Philippino microentrepreneurs. The authors argue that many of the risks would be best addressed through non-insurance means, but that insurance is appropriate and viable in the management of certain risks for example, the death of a member of a household enterprise. The authors provide a fascinating account of the emergence of microinsurance based on indigenous “insurance like” mechanisms. In addition to...

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