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Résultats du programme INSURED 2018-2023
Ce dossier présente les résultats et les enseignements tirés de la première phase du programme d'assurance pour la résilience rurale et le développement économique (INSURED).
INSURED Indonesia Country Update: Making climate risk insurance available to small-scale producers
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 - Assurance pour la résilience et le développement économique des zones rurales
INSURED est un programme d'assistance technique qui vise à développer l'assurance contre les risques climatiques dans le portefeuille du FIDA.
Remplir les trous. Comment pallier le manque de données pour créer de nouvelles assurances du bétail destinées aux petits exploitants
L’absence de données fiables sur les risques constitue l’un des principaux défis liés à la création d’assurances sur le bétail dans les marchés émergents. Cette note d’information sur la boîte à outils en matière d’assurance présente les activités menées en Géorgie et les enseignements qui en ont été tirés.
Impliquer les communautés paysannes dans l’élaboration d’une assurance indicielle
Ce dossier d’information présente les avantages de la participation communautaire aux initiatives d’assurance indicielle et la logique derrière ce processus, en s’appuyant sur l’exemple d’un projet pilote mis en œuvre dans une zone rurale d’Éthiopie.
Comprendre la demande du marché. Tirer parti des entretiens de groupe ciblés pour créer des polices d’assurance inclusives
Comprendre la demande du marché est une étape clé du processus consistant à élaborer des solutions qui répondent aux besoins des populations rurales pauvres en matière de gestion des risques, en particulier d’assurance.
Étude de cas: innovations en matière d’inclusion financière, notamment de microassurance
Programme post-tsunami de promotion de moyens de subsistance durables pour les communautés côtières du Tamil Nadu, Inde 2007- 2020.
Une assurance contre les risques agricoles et climatiques plus inclusive envers les femmes: comment améliorer l’accès à l’assurance pour les femmes en milieu rurale
Le programme d'assistance technique du FIDA INSURED (Assurance pour la résilience et le développement économique des zones rurales) a permis d’apprendre comment faciliter l'accès des productrices agricoles à l'assurance contre les risques climatiques.
Rapid prototyping for inclusive insurance: Testing customer challenges and gaining early insights on feasibility
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.
Insurance Toolkit
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.
INSURED Uganda country update: Feasibility study on agricultural insurance for oilseed farmers
What risks and challenges do small-scale producers of oilseeds in Uganda face, and could agricultural insurance help them manage and mitigate those risks?
Analyse du déficit de financement climatique pour la petite agriculture
Remote sensing for index insurance - Findings and lessons learned for smallholder agriculture
Creating pathways out of poverty in rural areas: Managing weather risk with index insurance
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.
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.
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.
L’assurance basée sur un indice climatique: potentiel d’expansion et de durabilité pour l’agriculture et les moyens de subsistance en milieu rural
Le risque fait partie intégrante de toute activité agricole. Les agriculteurs sont confrontés à un vaste éventail de risques liés au marché et à la production qui se répercutent sur leurs revenus, les rendant instables et imprévisibles d’une année sur l’autre.