Karlijn Morsink, Universiteit Twente
Karlijn Morsink has been researching micro insurance uptake by low income households in developing countries since 2006. In 2008 she started her PhD at the Twente Centre for Studies of Technology and Sustainable Development (CSTM) of the University of Twente. The focus of her PhD is on the choices of low income households to adopt or reject micro insurance. Central questions that she addresses are:
1. What is the influence of perceptions of risk, hazard, vulnerability, coping mechanisms and trust (in micro insurance and the micro insurance provider) on the choice of low income households to adopt or reject micro insurance?
2. How do low income households evaluate information about micro insurance and how does this influence their choice to adopt or reject micro insurance?
3. What is the impact of micro insurance on vulnerability reduction and perceptions of risk?
As a researcher she has done more than 1.5 years of field work in India, Kenya and the Philippines researching low income households in both rural and urban areas. During the course of this research she has worked with various stakeholders such as the Filipino organization ‘Centre for Agriculture and Rural Development’ (CARD), Dutch NGO Cordaid, Indian NGO Dhan foundation, Dutch insurer Eureko and numerous local NGOs.
Network role: Member
Working group: Agriculture Insurance; Impact
Email address: k.morsink(at)utwente.nl
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