المعرفة

يشارك هذا الموجز نتائج والدروس المستفادة من المرحلة الأولى من برنامج  التأمين من أجل القدرة الريفية على الصمود والتنمية الاقتصادية.

IFAD’s INSURED programme has been working with partners in Indonesia to improve the availability of climate risk insurance that enables farmers to strengthen their resilience. 

INSURED هو برنامج مساعدة فنية يعمل على تعزيز التأمين الزراعي في حافظة الصندوق.

بالنسبة للمزارعين أصحاب الحيازات الصغيرة، يمكن لمخاطر مثل الأمراض وسوء التغذية بسبب الجفاف أن تقتل حيواناتهم – وتؤثر على سبل عيشهم. ويساعد تأمين الثروة الحيوانية على تخفيف الصدمة، وتعزيز قدرتها على الصمود. 

العمل بشكل وثيق مع المجتمعات المحلية هو طريقة فعالة لتنفيذ مشروعات تأمين شاملة. ويصدق هذا بشكل خاص على التأمين المستند إلى مؤشر، نظرا إلى أنه يجب على فرق المشروعات ضمان أن المفاهيم المعنوية المعقدة، مثل بيانات الأقمار الصناعية، وقيم المؤشرات الناجمة، مفهومة وملائمة بالنسبة للمزارعين. 

Understanding market demand is a critical step in the process of developing solutions to meet the risk management needs of rural poor people, particularly with regard to insurance.

Post-Tsunami Sustainable Livelihoods Programme for the Coastal Communities of Tamil Nadu, India, 2007-2020.

IFAD’s technical assistance programme INSURED (Insurance for rural resilience and economic development) has been building knowledge about how to strengthen women producers’ access to climate risk insurance. 

Prototyping aims to gather direct feedback on the solution and the wider insurance scheme, incorporate changes before pilot testing, and make any additional adjustments before the official roll-out.

The Insurance Toolkit provides technical tools and knowledge briefs to give project designers and implementers practical guidance on making agricultural and climate risk insurance work for smallholders. The Toolkit is produced by INSURED, with contributions from partners.

What risks and challenges do small-scale producers of oilseeds in Uganda face, and could agricultural insurance help them manage and mitigate those risks?

في عالم سريع التغير، تظل الزراعة هي قلب التنمية المستدامة. إن المخاطر التي يواجهها العالم في العقد الأخير المتبقي لتحقيق أهداف التنمية المستدامة كثيرة، لكن الفرص عديدة بنفس القدر.

Index insurance has a role to play in agricultural development and risk management, yet it faces operational and technical challenges to reach scale and sustainability. Data are a key challenge and were the focus of the project “Improving Agricultural Risk Management in Sub-Saharan Africa: Remote Sensing for Index Insurance”. Limited availability, accessibility, quantity and poor quality of data on the ground are some of the primary technical constraints preventing scale-up and sustainability of index insurance. Without sufficient quality data, either it is impossible to design products for some areas and countries, or products that are designed can become unreliable, not compensating when they should. These inconsistencies intensify vulnerability, lead to distrust of insurance, and ultimately have an impact on demand. This publication details the project, which investigated overcoming issues with ground data by using remote sensing data for index insurance. It describes the different remote sensing options and opportunities available for index insurance, but it also recommends further investment in research and development, supplementary ground data and capacity-building going forward. 

The International Fund for Agricultural Development (IFAD) and the World Food Programme (WFP) have joined forces to reduce the vulnerability of poor rural people to extreme weather events that can be devastating to agricultural productivity. With support from the Bill and Melinda Gates Foundation, IFAD and WFP are working to improve the access of poor rural people in developing countries to index-based weather insurance. This type of insurance can help them cope better when extreme weather hits, and can open the door to other financial services, in particular credit.

This document is intended to aid delivery channels, microfinance providers in particular, in working with insurance companies to develop successful microinsurance products for the low-income market. 

A systematic new-product development process is crucial to the success of microinsurance products for many reasons, including: Saving money – by maximizing the potential for product success; Saving management and staff time – by ensuring, within reason, that the product has market demand, and by working out staff and systems issues early in the process, when it is easier and cheaper to make changes; Generating goodwill in one’s market – by offering products that will not have to be withdrawn or substantially altered once they are offered throughout the market. The process outlined in this manual will help microinsurance developers create successful microinsurance products. ‘Success’ means meeting the needs of the three major parties in the microinsurance relationship: low-income policyholders, the insurer and delivery channels.

This manual is intended as an aid to microinsurance institutions. It presents a technique called ‘process mapping’ that can support institutions in self-analysis by assisting them in understanding, developing and improving business processes. Although the concepts presented may be used for many types of projects and processes, this manual was specifically developed as a supplement to Microinsurance product development for microfinance providers (McCord 2012).

The manual describes how a process map can be drawn, analysed and adapted for the microinsurance sector. It offers practical guidance about which processes to concentrate on, and guides the reader through the task of improving these processes, first on paper and then in practice. For more information please click on the link below.

Poor rural people in developing countries are vulnerable to a range of risks and constraints that impede their socio-economic development. Weather risk, in particular, is pervasive in agriculture. 

Nearly 1.4 billion people live on less than US$1.25 a day. Seventy per cent live in rural areas where they depend on agriculture, but where they are also at risk from recurrent natural disasters such as drought and flooding. Natural disasters have a devastating impact on the food security and overall social and economic development of poor rural households. 

According to data from Munich Re’s NatCatSERVICE, natural disasters account for losses, on average, of US$51 billion in developing countries every year. Unless well managed, weather risks in agriculture slow development and hinder poverty reduction, ultimately resulting in humanitarian crises. Poor farmers have few options for coping with significant losses, and in order to reduce their exposure to risk, they often forgo opportunities to increase their productivity. 

 

Risk is inherent in agriculture. Farmers face a variety of market and production risks that make their incomes unstable and unpredictable from year to year.