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The Role of Community-based Organizations in Household Ability to Pay for Health Care in Kilifi District, Kenya

Health Policy and Planning 22 (6), p.381ff, by Catherine Molyneux, Beryl Hutchison, Jane Chuma and Lucy Gilson

This study published in the journal Health Policy and Planning examines the role of community-based organisations (CBOs) in helping households pay for health care. The authors use data from rural and urban households in Kilifi district to look at the potential for reaching poor people through these organisations.

Key findings include:

  • Strategic CBOs often work with intermediate and local CBOs in ways that conflict with the approach of similar organisations, causing replication, conflict and confusion in communities.
  • Strategic CBOs using micro-finance can meet long-term institutional aims (e.g. improved health with reduced poverty) and short-term household needs (e.g. need for food, treatment).
  • Microfinance loans can be difficult to pay back and may not reach the poorest people.
  • Intermediate and local-level CBOs are better placed to reach households and meet their expectations.
  • They are compromised by poor links to other organisations, little political clout, and concerns about dishonesty among leaders and fellow members, particularly in local-level CBOs.
  • Reaching the poorest households through CBOs is particularly hard: these households tend not to belong to CBOs, and the groups they form themselves are often relatively fragile.

Read id21 Research Highlight about this article

Innovation Flash Issue 3 (May 2009) available

The third newsletter from the ILO's Microinsurance Innovation Facility is now available in English, French and Spanish. In this issue, you'll find information on the facility's activities -- innovation grants, technical assistance and research -- as well as news on the sector, publications and jobs opportunities.

In Round 3 of the Innovation Grants, the Facility received 150 innovation grant applicationsn - almost twice as many as for round 2. The Facility's Steering Committee approved 18 grants, doubling the Facility’s portfolio of grantees.

Download the newsletter: English - French - Spanish

Booming Insurance Market in India (2008-2011)

This RNCOS research report will help the client to analyze the leading-edge opportunities critical to the success of insurance industry in India. Based on this analysis, the report gives a future forecast of the market that is intended as a rough guide to the direction in which the market is likely to move.

Research Findings:

  • Total life insurance premium in India is projected to grow Rs 1,230,000 Crore by 2010-11.
  • Total non-life insurance premium is expected to increase at a CAGR of 25% for the period spanning from 2008-09 to 2010-11.
  • With the entry of several low-cost airlines, along with fleet expansion by existing ones and increasing corporate aircraft ownership, the Indian aviation insurance market is all set to boom in a big way in coming years.
  • Home insurance segment is set to achieve a 100% growth as financial institutions have made home insurance obligatory for housing loan approvals.
  • Health insurance is poised to become the second largest business for non-life insurers after motor insurance in next three years.
  • A booming life insurance market has propelled the Indian life insurance agents into the ‘top 10 country list’ in terms of membership to the Million Dollar Round Table (MDRT) — an exclusive club for the highest performing life insurance agents.


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