The 5th issue of Innovation Flash is now available
This issue, published by the ILO's Microinsurance Innovation Facility, starts with an editorial from Craig Churchill, and continues by explaining why the 4th round of the Innovation grants focuses on health microinsurance. The issue also includes a presentation on the CCB program, highlights news/resources from the sector and finally a few job opportunities.
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MicroRisk launches first edition
MicroRisk is a new publication dedicated to the growing market for insurance to protect the world’s low-income people. It covers microinsurance, policies that poor people can buy for themselves and their families, and other insurance schemes that governments and community organisations can use to benefit the poor.
Edited by Lee Coppack, an experienced insurance and risk journalist and member of the Network, MicroRisk provides ideas for new ventures, reports on existing projects, and features leading individuals and organisations, expert analysis and market data. Regular features include news and events coverage, new schemes, case studies, regulatory and legal issues, technical and insurance issues, country profiles and who’s who.
Click here to download the free first edition
Crop Insurance: Security for farmers and agricultural stakeholders in the face of seasonal climate variability
PCIC, Discussion Paper Series No. 2009-12, April 2009
Crop insurance is a risk management tool designed to even out agricultural risks and address the consequences of natural disasters to make losses more bearable, especially to the marginalized farmers. In the Philippines, the Philippine Crop Insurance Corporation (PCIC) implements and manages the government program on agricultural insurance.
This paper, published by PCIC, provides a comprehensive review of the crop insurance program in the Philippines – its history, its mode of operations and performance, and the different challenges it is facing. Some of the identified constraints in operating the program are high overhead cost, need for larger investment fund, and question of sustainability. The results of secondary data assessment and key informant interviews revealed that PCIC has captured only a small segment of its target clientele, particularly the subsistence farmers, due to logistical and marketing constraints. Moreover, farmer dependence on informal credit, particularly in rural farming communities, seems to have also created a nonviable setting for a crop insurance program.
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