Research Questions
- Does microcredit increase debt bondage in the Monga -- seasonal food-insecure -- areas in Bangladesh?
- Does they use child labour as a source of paying micro credit installments during Monga?
- Does microinsurance make any significant contribution in presence of bonded child labour during Monga?
Partner organizations
BRAC, Grameen Bank, RDRS, and Society for Social Service are Bangladeshi microfinance organizations which offer a credit-life microinsurance product bundled with their loans.
Product
This study examines two microinsurance products:
- BRAC, Grameen Bank, RDRS, and Society for Social Service bundle credit-life insurance with their microcredit loans. The premium is about 2% of the total loan amount. The scheme provides a benefit of forgiving the balance of the loan upon death of the policyholder.
- The Shurjer Hashi ("Smiling Sun") scheme is a health insurance product. With a premium of 30 Bangladesh Taka (USD $0.43), the scheme provides free services at Smiling Sun health clinics to members of very poor families.
Evaluation design
Experimental: with stratified random sampling of households
Data Sources:
- Surveys: household surveys
Sample size:
384 households
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