Recursos

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easier and cheaper to make changes; Generating goodwill in one’s market – by offering products that will not have to be withdrawn or substantially altered once they are offered throughout the market.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.

This technical note aims to help project designers and reviewers of the design process to decide whether matching grants are the most appropriate financing instrument in a given context and what to consider when designing a matching grant component. The note focuses on use of these grants to finance productive assets and investments for business purposes. For more information please click on the lonk below.

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.

En los últimos treinta años, el FIDA así como sucesivos gobiernos peruanos han desarrollado programas en la sierra, donde los niveles de pobreza son severos. Esto se construye sobre modelos de desarrollo comunal, lecciones aprendidas sistemáticamente y ampliando tanto las áreas cubiertas como el alcance de las intervenciones. Los proyectos FEAS, MARENASS, CORREDOR y SIERRA alcanzaron 120,000 hogares en más de 1,600 comunidades pobres en la sierra sur. Estos proyectos han sacado de la pobreza extrema al 30 por ciento de los hogares objetivos, y 35 por ciento salieron completamente de la pobreza. Estos proyectos secuenciales representan el sendero de un proceso de escalonamiento complejo, pero exitoso.