- 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?
BRAC, Grameen Bank, RDRS, and Society for Social Service are Bangladeshi microfinance organizations which offer a credit-life microinsurance product bundled with their loans.
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.
Experimental: with stratified random sampling of households
- Surveys: household surveys