Recursos

This brief shares the results and lessons learned from the first phase of the Insurance for Rural Resilience and Economic Development (INSURED) programme.

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 es un programa de asistencia técnica que trabaja para fortalecer el seguro agrícola en la cartera del FIDA. 

En el marco del proyecto Gestión de Riesgos para el Desarrollo Rural: Promoción de Innovaciones en Microseguros, financiado por el FIDA, el Centro de Microseguros Milliman puso en marcha a título experimental una póliza de seguros para vacas lecheras en Georgia.

En esta nota de conocimientos se analizan los beneficios y la justificación de la colaboración comunitaria en las iniciativas de seguros basados en índices, y se aportan ejemplos de un proyecto piloto ejecutado en las zonas rurales de Etiopía.

Comprender la demanda del mercado es un paso fundamental en el proceso de desarrollo de soluciones para satisfacer las necesidades de gestión de riesgos de la población rural pobre, especialmente en lo que respecta a los seguros.

Programa de Dotación de Medios de Subsistencia Sostenibles a las Comunidades Costeras de Tamil Nadu en la Etapa Posterior al Tsunami (PTSLP por sus siglas en inglés), India, 2007-2020.

El programa de asistencia técnica del FIDA INSURED (Seguro para la resiliencia rural y el desarrollo económico) ha estado acumulando conocimientos sobre la forma de fortalecer el acceso de las mujeres productoras a los seguros contra el riesgo climático.

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.

La Caja de Herramientas del Seguro proporciona herramientas técnicas y resúmenes de conocimientos para dar a los diseñadores y ejecutores de proyectos una orientación práctica sobre los seguros de riesgo agrícola y climático. La caja de herramientas ha sido elaborada por el programa INSURED, con contribuciones de socios y especialistas. 

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

En un mundo que cambia rápidamente, la agricultura está en el centro del desarrollo sostenible. En la década que queda para alcanzar los Objetivos de Desarrollo Sostenible de las Naciones Unidas, el mundo se enfrenta a una serie de riesgos, pero también hay muchas oportunidades.

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. 

 

El riesgo es inherente a la agricultura. Los agricultores enfrentan una variedad de riesgos de producción y de mercado que hace que sus ingresos sean inestables e impredecibles de un año a otro.