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Microinsurance Product Development for Microfinance Providers
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easier and cheaper to make changes; Generating goodwill in one’s market – by offering products that will not have to be withdrawn or substantially altered once they are offered throughout the market.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.
Process Mapping for Microinsurance Operations: A Toolkit for Understanding and Improving Business Processes and Client Value
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.
Growing peace through development (2012)
give them a way to fight poverty and hunger instead of each other. We reduce the appeal of violent and destructive responses to conditions that are, admittedly,
intolerable. No one should go to sleep hungry. No one should see a child’s potential wither under malnutrition, illiteracy and hopelessness. No woman should be
denied access to resources just because she is not a man. No one should be denied a voice simply because it suits someone else to keep them silent.
Matching grants - Technical Note
Enabling poor people to overcome poverty in Guatemal
IFAD has supported rural poverty reduction and agricultural development initiatives in the Republic of Guatemala since 1986. During its first decade in the country, IFAD’s work was oriented towards supporting the government in consolidating the peace process and rebuilding the social fabric in zones that were affected by Guatemala’s 36-year armed conflict.
It also focused on constructing an economic and institutional platform for the development of marginalized rural and indigenous communities.
Over the years, IFAD operations have evolved from localized rural development.
Experiencias del FIDA sobre escalonamiento en Perú, Estudio de caso y esquema analítico
Climate-smart smallholder agriculture: What is different?
Good Practices in Building Innovative Rural Institutions to Increase Food Security
Evidence from the ground shows that when strong rural organizations such as producer groups and cooperatives provide a full range of services to small producers, they are able to play a greater role in meeting a growing food demand on local, national and international markets. Indeed, a myriad of such institutional innovations from around the world are documented in this FAO case-study-based publication.
Nevertheless, to be able to provide a broad array of services to their members, organizations have to develop a dense network of relationships among small producers, between small-producer organizations and with markets actors and policy-makers.
Syrian Arab Republic: Thematic study on participatory rangeland management in the Badia - Badia Rangelands Development Project
Enabling poor rural to overcome poverty in Yemen
IFAD is currently one of the two largest donors supporting Yemen’s rural agricultural sector. IFAD has worked in Yemen since the Fund’s creation, and has acquired a wealth of experience and knowledge of the economy and society, and developed a wide network of partners in the country. IFAD’s goal in Yemen is to achieve improved, diversified and sustainable livelihoods for poor rural women, men and young people, especially those who depend on rainfed agriculture and livestock production systems in the poorest areas.
IFAD has three main strategic objectives in Yemen:
• empowering rural communities by strengthening partnerships with civil society organizations and using community-driven approaches so that poor rural people can manage local community development activities;
• promoting sustainable rural financial services and pro-poor rural enterprises by developing savings and credit associations for disadvantaged groups in remote rural areas and developing rural enterprises that provide jobs for the unemployed, especially young people and women;
• enhancing food security for poor households by restoring the productive agricultural base and improving productivity so that poor households can produce enough for household needs and a surplus that can be sold.
Enabling poor rural people to overcome poverty in Honduras
IFAD loans and grants have supported the government’s investments in poverty reduction programmes since 1979. Before 1998, when Hurricane Mitch devastated the country,IFAD was almost the only institution investing in rural development and poverty alleviation in Honduras.
IFAD also designed one of the first projects to be implemented after the disastrous hurricane: the National Fund for Sustainable Rural Development Project (FONADERS).
Weather Index-based Insurance in agricultural development: a technical guide
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.
Fragile states: working to build resilience
strong policies, skilled personnel, functional infrastructure and services, educated citizens, an active civil society and a competitive private sector. Civil and border conflict is an all-too frequent reality.
Poor people living in rural areas of fragile states are particularly vulnerable as they have very limited means to cope with the situation created by fragility.
IFAD and Togo
The country’s challenge now is to create the conditions for economic growth – and the Government of Togo believes that the best way to achieve lasting growth is through increased production and productivity in the agriculture sector.
For these reasons, after more than a decade out of the country, the International Fund for Agricultural Development (IFAD) is working closely with the Republic of Togo to put agricultural and rural development on track.
Smallholder conservation agriculture - Rationale for IFAD involvement and relevance to the East and Southern Africa region
Higher and volatile food prices and poor rural people
at both household and country levels. Many of the world’s
poorest people spend more than half their income on food.
Price hikes for cereals and other staples can force them
to cut back on the quantity or quality of their food.
This may result in food insecurity and malnutrition,
with tragic implications in both the short and long term.
Undernourishment increases disease and mortality, lowers
productivity and can have severe lifelong effects, particularly
for children. Price spikes can also limit the ability of poor
households to meet important non-food expenses, such
as education and health care. When they occur globally,
price hikes can affect low-income, food importing
countries, putting pressure on their limited financial
resources. Higher food prices have a particularly negative
impact on food security when prices spike suddenly or
reach extremely high levels.
Higher and volatile food prices and poor rural people
Undernourishment increases disease and mortality, lowers productivity and can have severe lifelong effects, particularly for children. Price spikes can also limit the ability of poor households to meet important non-food expenses, such as education and health care. When they occur globally, price hikes can affect low-income, food importing countries, putting pressure on their limited financial resources. Higher food prices have a particularly negative impact on food security when prices spike suddenly or reach extremely high levels.
Remittances and Postal Networks
Rwanda: The Rural Apprenticeship Training Programme
(i) Targeting and transition to employment or business creation; (ii) Types of training and providers; (iii) Transfer of knowledge and sustainability. The objective of this study is to present the experience of IFAD in technical vocational and skills development in the context of Rwanda and by doing so, highlight the innovative features and lessons learnt for further replication.
RemittancesGateway.org
IFAD and OIC Member States - Working together to eradicate poverty
The long-term partnership between IFAD and OIC Member States and institutions has, in recent years, taken on greater significance than ever before. The challenges are greater than they were three decades ago when IFAD was first established. But the opportunities for making an even bigger impact on the lives of the poor rural people are well within our grasp.
Agritrade 2011 - Programa de encadenamientos empresariales
Smallholders can feed the world
Managing weather risk for agricultural development and disaster risk reduction
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.
Enabling poor rural to overcome poverty in Viet Nam
IFAD works for and with the poorest people in Viet Nam, including ethnic minorities, small-scale farmers and households headed by women. Strategies to reduce poverty and improve living conditions include building partnerships, strengthening institutional capacity and promoting participation. IFAD works with the government and other partners to empower poor rural people so they can have a role in decisionmaking.
To do this, IFAD finances programmes and projects that focus on developing and testing innovative approaches to poverty reduction that can be replicated and scaled up by the government and other agencies. Interventions are area-based and multisectoral. They target regions where poverty reduction is a priority.
Remittances and Financial Literacy
Change Africa from within
IFAD Decision Tools for Rural Finance
The potential for scale and sustainability in weather index insurance for agriculture and rural livelihoods
Enabling poor rural people to overcome poverty in Syria
IFAD works in partnership with the government, other donors, NGOs, local institutions and civil society organizations. It finances initiatives which enable poor rural people in Syria’s agricultural settlement areas to improve their incomes and living conditions.
IFAD is working towards achieving the Millennium Development Goals and its interventions endeavour to reduce poverty and promote gender equality and environmental sustainability.