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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easier and cheaper to make changes; Generating goodwill in one’s market – by offering products that will not have to be withdrawn or substantially altered once they are offered throughout the market.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)
Matching grants - Technical Note
Dar a la población rural pobre de Guatemala la oportunidad de salir de la pobreza
El Fondo Internacional de Desarrollo Agrícola (FIDA) apoya las iniciativas de reducción de la pobreza rural y desarrollo agrícola en Guatemala desde 1986. El FIDA, durante su primer decenio en el país, orientó su labor a apoyar al Gobierno en la consolidación del proceso de paz y la reconstrucción del tejido social del país en las zonas que se vieron afectadas por el conflicto armado, que se prolongó durante 36 años.
También se concentró en la construcción de una plataforma económica e institucional para el desarrollo de las comunidades rurales e indígenas marginadas.
Experiencias del FIDA sobre escalonamiento en Perú, Estudio de caso y esquema analítico
Climate-smart smallholder agriculture: What is different.
Cada vez hay más consenso en cuanto a que el cambio climático está transformando el contexto del desarrollo rural, cambiando los entornos físicos y socioeconómicos y encareciendo el desarrollo de los pequeños productores. Pero el consenso es menor en cuanto a la manera en que las prácticas agrícolas en pequeña escala deberían cambiar como resultado de ello. La pregunta que suele plantearse es la siguiente: ¿cuál es realmente la diferencia que plantea la agricultura en pequeña escala “climáticamente inteligente”, que trasciende las mejores prácticas utilizadas usualmente en el ámbito del desarrollo?
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.
Dar a la población rural pobre de Honduras la oportunidad de salir de la pobreza
Los préstamos y donaciones del FIDA han apoyado las inversiones gubernamentales en programas de reducción de la pobreza desde 1979. Antes de 1998, cuando el huracán Mitch devastó el país, el FIDA era una de las únicas instituciones internacionales que invertía en el desarrollo rural y el alivio de la pobreza en Honduras.
El FIDA también diseñó uno de los primeros proyectos que se ejecutaron tras el desastroso huracán: el Proyecto del Fondo Nacional de Desarrollo Rural Sostenible (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.
La población rural pobre ante la volatilidad y el aumento de los precios de los alimentos
considerablemente a la seguridad alimentaria, tanto en los
hogares como a nivel nacional. Muchas de las personas más
pobres del mundo gastan más de la mitad de sus ingresos en
alimentación. Debido a los aumentos de precio de los
cereales y otros productos de primera necesidad ellas
pueden verse obligadas a reducir la cantidad o calidad de los
alimentos. Esta situación puede provocar inseguridad
alimentaria y malnutrición, con consecuencias dramáticas
tanto a corto como a largo plazo. La desnutrición aumenta
la tasa de enfermedades y mortalidad, disminuye la
productividad y puede producir graves efectos que perduran
toda la vida, especialmente en los niños. Las fuertes subidas
de los precios también pueden limitar la capacidad de los
hogares pobres de cubrir otros gastos no alimentarios, tales
como la educación y la atención sanitaria. Cuando las
subidas de precios se producen a nivel mundial, pueden
afectar a los países de ingresos bajos y que importan
alimentos, ya que ejercen presión sobre sus recursos
financieros de por sí limitados. El aumento de los precios de
los alimentos tiene un impacto particularmente negativo en
la seguridad alimentaria cuando se produce repentinamente
o alcanza niveles extremos.
Remesas y redes postales
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.
Remesas y alfabetización financiera
Change Africa from within
Instrumentos de decisión del FIDA en la financiación rural
El potencial para la ampliación y sostenibilidad de los seguros basados en índices climáticos para la agricultura y subsistencia rural
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.
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.
Remittances: sending money home
Community-driven development decision tools for rural development programmes
Dar a la población rural pobre de la República Bolivariana de Venezuela la oportunidad de salir de la pobreza
El FIDA ha aprobado seis préstamos para la República Bolivariana de Venezuela, por un monto aproximado de USD 80 millones. También ha aprobado dos donaciones de asistencia técnica, en 1991 y 1998 respectivamente, para el Programa Regional de
Capacitación en Desarrollo Rural, cuya ejecución estuvo a cargo de la Fundación para la Capacitación e Investigación Aplicada a la Reforma Agraria (CIARA), adscrita al Ministerio del Poder Polar para la Agricultura y Tierras.
El mandato del FIDA de reducir la pobreza mejorando las condiciones de vida y aumentando los ingresos de la población rural pobre afronta importantes desafíos y oportunidades. El FIDA trabaja en asociación con el Gobierno y otros donantes para financiar programas y proyectos destinados a la población más pobre, en particular los pequeños agricultores, los campesinos sin tierra, los pueblos indígenas y las minorías étnicas, así como a las mujeres del medio rural en general. Uno de los principales asociados del FIDA en los proyectos de desarrollo rural más recientes, la Fundación CIARA, cumple una función importante como administrador de programas de desarrollo en nombre del Ministerio del Poder Popular para la Agricultura y Tierras de la República Bolivariana de Venezuela.
Guidance Notes for institutional analysis in rural development programmes: an overview
Guidance notes for institutional analysis in rural development programmes provides a synthesis of the training materials developed as part of the Institutional Analysis (IA) methodology. They propose that we rethink how we conceptualize and promote institutional change, particularly for pro-poor service delivery.
They provide a framework and the analytical tools for designing programmes and projects that feature implementation modalities based on some of the core principles of good governance, focusing on “pro-poor governance” and systemic sustainability at the micro and meso levels.
IFAD and the League of Arab States
Poverty poses a constant threat to economic growth, trade reform, private sector development, knowledge, governance and gender equality.
Poverty among the 22 members of the League of Arab States (LAS) is primarily a rural phenomenon. A quarter of the region’s population, or about 80 million people, live below national poverty lines. Between 60 and 70 percent of these poor people live in rural areas.
One of the most pressing challenges in the region is the high rate of unemployment, particularly among young people. Official unemployment rates average 13 per cent, and in some countries the jobless rate among young people is twice as high.
IFAD in the MERCOSUR area
Working to enable poor rural people to overcome poverty, IFAD operates in the MERCOSUR countries at two levels:
• at the subregional level, within the institutional framework of MERCOSUR, it promotes a platform for dialogue between governments and smallholder farmers’ associations, with the aim of increasing public investment in family farming
• at the national level, it provides funding and technical assistance to governments for the implementation of rural development programmes and projects that translate into action the agreements reached at subregional level.
La pobreza rural en Uruguay
El trabajo del FIDA en Uruguay se desarrolla en dos niveles distintos aunque complementarios:
• a nivel subregional, en el marco de las instituciones del MERCOSUR, promueve una plataforma de diálogo entre gobiernos y asociaciones de pequeños productores, con el fin de aumentar la relevancia política de la agricultura familiar y la inversión pública en su favor;
• a nivel nacional, proporciona financiación y asistencia técnica al gobierno para la ejecución de programas y proyectos que traduzcan en acciones las políticas públicas definidas en el ámbito de la subregión y adaptadas al contexto del país.
Institutional and organizational analysis for pro-poor change: meeting IFAD's millennium challenge - A sourcebook
As part of its obligations undertaken to achieve the Millennium Development Goals, IFAD committed itself to enabling the rural poor to help themselves out of poverty by increasing theirorganizational capacity to influence institutions of relevance to rural poverty reduction (policies, laws and regulations).
As a result, IFAD has embarked upon a process to strengthen its own organizational competencies in institutional analysis and dialogue.
This sourcebook is an attempt to complement and further this process. It has been written keeping in mind the needs of country programme managers, as well as consultants working with IFAD.
Enabling poor rural people to overcome poverty in Lesotho
The main objectives of IFAD’s operations in the country are to improve food security and family nutrition. Since 1980, IFAD has supported agricultural development by investing a total of US$64.3 million in seven programmes and projects to reduce poverty in the country’s rural areas.
Normally, Lesotho is not in a position to grow enough food to feed its growing population.
Offsetting the effects on poor households of declining agricultural production, IFAD investments support the efforts of small-scale farmers to ensure food security for their families and improve their incomes. Increased productivity is a key to achieving these aims and to reducing poverty in rural areas. IFAD finances programmes and projects that encourage poor people’s participation in the planning and development of income-generating activities, including microenterprises.
Sending Money Home - Worldwide Remittance Flows to Developing and Transition Countries
Enabling the rural poor to overcome poverty in Swaziland
IFAD’s intention is to help poor rural households by creating sustainable jobs, reducing poverty and guaranteeing food security. To meet this goal IFAD places emphasis on intensifying agricultural output and supporting smallholders within irrigation schemes, as well as helping develop small rural businesses. In particular, IFAD works to improve linkages to financial services and markets, to support providers of financial and marketing services and to strengthen the capacity of poor rural communities and their institutions.
The Government of Swaziland, key stakeholders and IFAD are jointly designing a new investment focusing on rural finance and enterprise development.
Investing in rural people in Comoros
Le FIDA prend appui sur les communautés et leurs organisations pour développer des activités génératrices d’emploi, agricole ou non, et de revenus. Les cultures vivrières, la production laitière et la recherche de débouchés commerciaux pour ces produits dans les quatre îles de l’archipel feront l’objet d’une attention particulière, ainsi que la conservation et la transformation locale des produits.
En ce qui concerne les cultures de rente, le FIDA financera sous forme de don la mise en relation des producteurs avec les marchés équitables.
IFAD in the Near East and North Africa region
IFAD’s work in the region is guided by the organization’s Strategic Framework, its four thematic priorities for the region and by individual country strategic opportunities papers (COSOPs), reflecting governments’ own priorities in rural development and prepared in consultation with governments, donors and other partners.
First mile project - factsheet 2
elaboradores y otros agentes de las zonas rurales pobres aprenden a crear cadenas de
comercialización que vinculan a los productores con los consumidores. La existencia de buenos
medios de comunicación es un factor fundamental. En el marco del proyecto se alienta a las
personas que viven en comunidades rurales aisladas a utilizar teléfonos móviles, correo
electrónico e Internet para compartir sus experiencias y buenas prácticas locales y aprender así
unas de otras. Si bien la tecnología de las comunicaciones es importante, la clave del éxito
depende del fomento de la confianza y la colaboración a lo largo de las cadenas de
comercialización. El objetivo final consiste en que los agricultores y otros agentes que participan
en esas cadenas adquieran experiencia y conocimientos importantes a nivel local y los compartan,
incluso con personas que viven en comunidades alejadas, para encontrar nuevas ideas
First mile project - factsheet 1
para los pequeños agricultores que necesitan mejorar su acceso
a los mercados y a información fiable sobre los precios, la
calidad de los productos y las condiciones de comercialización.
¿Qué ayuda pueden prestarles las nuevas tecnologías de la
información y las comunicaciones (TIC) y en particular
Internet? La iniciativa Primera Milla es un proyecto
experimental de dos años de duración apoyado por el
Gobierno de Suiza. Se ejecuta en colaboración con el Programa
de Desarrollo de Sistemas de Comercialización Agrícola del
Gobierno de la República Unida de Tanzanía. El Grupo
Internacional de Apoyo presta asistencia técnica.
Potenciar la capacidad de acción de los pobres de las zonas rurales mediante el acceso a la tierra
The rural poor - Survival or a better life?
En este documento se exponen a grandes rasgos las razones de índole social y medioambiental por las que la comunidad internacional del desarrollo debería conceder una prioridad más alta a ayudar a los pobres, sobre todo a los que viven en zonas marginales desde el punto de vista biofísico o marginadas
socioeconómicamente. El desarrollo rural sostenible depende de que se haga frente con éxito a los problemas gemelos de la pobreza y de la degradación del medio natural. Hay 1 200 millones de personas que viven en extrema pobreza, y de ellas 900 millones viven en zonas rurales en las que dependen directa o indirectamente de la agricultura para sobrevivir. En este documento se ofrece una breve panorámica del desarrollo rural desde la perspectiva de los objetivos de desarrollo del milenio (ODM) y del programa 21, que instan a una acción concertada para resolver los problemas de los campesinos pobres y las limitaciones de su base de recursos naturales.
Enabling the rural poor to overcome their poverty
and a specialized United Nations agency
dedicated to eradicating poverty and hunger
in rural areas of developing countries.
Through low-interest loans and grants, it
develops and finances programmes and
projects that enable poor rural people to
overcome poverty themselves.