Downscaling, Upgrading or Linking? Ways to Realize Micro-Insurance
Bibliographic Data
| ID | 9970607 |
|---|---|
| Authors | Michael Loewe (0000-0002-3555-165X, German Institute of Development and Sustainability, corresponding author), Markus Loewe |
| Year | 2006 |
| Volume | 59 |
| Issue | 2 |
| Pages | 37-59 |
| Publication date | 2006-04-01 |
| Open Access | Yes |
| Type | ARTICLE |
| Venue | International Social Security Review (JOURNAL) |
| Journal identifiers | ISSN: 0020-871X • E-ISSN: 1468-246X |
| Publisher | Wiley (PUBLISHER • GB) |
| DOI | 10.1111/j.1468-246x.2006.00238.x |
| OpenAlex | W2108414287 |
| Language | EN |
| Citations received | 3 |
| References cited | 21 |
Micro-insurance is seen by many as a promising tool to improve the social protection of low-income earners. This assumption is supported by the positive experience of existing micro-insurance schemes. At the same time, however, many schemes have failed to organize sustainable insurance arrangements that are affordable for the poor and near-poor. The question is thus which institutions are best able to arrange for micro-insurance. Formal institutions such as public agencies or commercial companies are usually too distant in social and spatial terms from the target group of micro-insurance and face severe difficulties in downscaling. Informal institutions, however, such as self-help groups or grassroots NGOs, usually lack the know-how, experience and capacities to design and manage insurance arrangements. They need powerful partners to upgrade. An alternative would be that formal and informal institutions cooperate in providing micro-insurance. This article argues that such a linking approach is superior to both the downscaling and upgrading approach
Actuarial science · Business · Climate change · Downscaling · Economics · Grassroots · Insurance policy · Key person insurance · Political science · Politics · Public economics · Social insurance · Upgrade · Agricultural risk and resilience · Computer Science · Poverty, Education, and Child Welfare · Urban and Rural Development Challenges
Between the State and the Market
Social protection for all
Mutual insurance as an elusive concept in traditional rural communities
New avenues to be opened for social protection in the Arab world
Microfinance institutions in the development of financial markets
Micro‐insurance
Social Security for the Informal Sector
Protecting the Old in a Young Economy
Social Security Systems in Low‐Income Countries
Formal pooling of health risks in sub‐Saharan Africa
| Citations per year | 0.15 |
|---|---|
| Citation span | 2006 - 2020 (15) |
| Highly cited | No |