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Journal articles on the topic 'Micro-insurance'

Author: Grafiati

Published: 4 June 2021

Last updated: 25 July 2025

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1

Udokang, Nsisong Boniface, and G. Olafuyi Saburi. "PERCEPTION, EFFICIENCY, EFFECTIVENESS AND CHALLENGES OF MICRO INSURANCE SERVICES IN NIGERIA." GPH-International Journal of Social Science and Humanities Research 06, no. 06 (2023): 127–62. https://doi.org/10.5281/zenodo.8127381.

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This study evaluates the level of penetration of insurance firms in Nigeria using the Integrated Theoretical Review Design approach. The study similarly evaluates the mitigating factors to macro-insurance actualization in Nigeria and ends by recommending activities, models and frameworks that should be put in place to ensure a higher level of micro-insurance penetration in Nigeria. The study uncovers the fact micro-insurance operation in Nigeria is very fallow judging by the presence of only one stand-alone micro-insurance firm in the whole of Nigeria while other micro-insurance activities are

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Katayama, Yuki. "Micro Life Insurance Products." Hokengakuzasshi (JOURNAL of INSURANCE SCIENCE) 2024, no. 664 (2024): 664_65–664_76. https://doi.org/10.5609/jsis.2024.664_65.

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3

Mamun, Muhammad. "The Effectiveness of Microinsurance in Bangladesh : Can It Sustain?" International Review of Financial Consumers 2, No. 1 Apr 2017 (2017): 7–16. http://dx.doi.org/10.36544/irfc.2017.1-1.2.

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Micro-insurance products designed for the low-income individuals. Micro-insurance differs from traditional insurance in terms of the size of premiums, coverage limits and target customers. The objectives of micro-insurance also vary amongst different stakeholders. For governments and policymakers, for instance, micro-insurance is a way to ensure inclusive growth and support the livelihoods of the vulnerable segment of the society. For a developing country like Bangladesh, micro-insurance seems like a boom that can help Bangladesh address its problems regarding poverty especially in the agricul

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Awaloedin, Mulawarman. "ANALISIS KUALITATIF BISNIS ASURANSI MIKRO DI INDONESIA." (JEMS) Jurnal Entrepreneur dan Manajemen Sains 2, no. 2 (2021): 123–41. http://dx.doi.org/10.36085/jems.v2i2.1516.

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The purpose of this research is to explain the phenomenon occured in micro Insurance industry in Indonesia after the launch of the grand design of the Indonesian micro Insurance development. Having used a case study method, the researcher conducted some interviews with a number ofÂ practitioners, and obtained someÂ information that micro insurance is still unable to develop if seen from the total population of the people in Indonesia. Micro insurance products are still scattered in big cities, and they have not touched the lower income people if refered to the basic concept of micro insurance.

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Dror, David M., and Christian Jacquier. "Micro-insurance: Extending Health Insurance to the Excluded." International Social Security Review 52, no. 1 (1999): 71–97. http://dx.doi.org/10.1111/1468-246x.00034.

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6

GOSEMI, Lorena, and Elvin MEKA. "Challenges facing by Micro-Insurance, as a new and unknown concept in the insurance market Case of Albania." Economicus 20, no. 1 (2021): 33–48. http://dx.doi.org/10.58944/rbva9249.

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Micro-insurance is a form of insurance, not being separated from traditional insurance, but which is mainly aimed at low-income individuals. This form of insurance applies to developing countries, where the level of population income is below the average level and where the low-income individuals occupy the highest percentage. The importance of micro-insurance in these countries applies to the fact that it includes in its packages, individuals who are excluded from traditional insurance schemes. Albania is also one of the developing countries, with low economic levels, where micro-insurance de

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Lorena, Gosemi, and Meka Elvin. "Challenges facing by Micro-Insurance, as a new and unknown concept in the insurance market Case of Albania." ECONOMICUS, no. 20 (December 17, 2021): 33–48. https://doi.org/10.5281/zenodo.7582270.

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<strong>Abstract</strong> Micro-insurance is a form of insurance, not being separated from traditional insurance, but which is mainly aimed at low-income individuals. This form of insurance applies to developing countries, where the level of population income is below the average level and where the low-income individuals occupy the highest percentage. The importance of micro-insurance in these countries applies to the fact that it includes in its packages, individuals who are excluded from traditional insurance schemes. Albania is also one of the developing countries, with low economic levels

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Hamdan, Firmandhani. "PERAN RELIJIUSITAS DALAM MENINGKATKAN NIAT MEMBELI PRODUK ASURANSI MIKRO SYARIAH." Review of Islamic Economics and Finance 1, no. 1 (2018): 1. http://dx.doi.org/10.17509/rief.v1i1.13640.

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This study describes the factors which affecting micro society’s intention on purchasing sharia micro insurance. Taking sample at the Koperasi Baytul Ikhtiar Bogor where the entire financing for its participants already protected by sharia credit insurance. This research uses descriptive quantitative approach based on study literature, observation, and quetionaire using the method of Partial Least Square (PLS) yang which the alternative method of Structural Equation Modeling (SEM). The variable consist of intention as dependent variable and Religiousity with Islamic belief and practice dimensi

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Yeboah, Augustine Kwadwo. "Determinants of Micro-Insurance Ownership Decision: Empirical Evidence from Informal Commercial Market Business Operators in Ghana." Journal of Social and Development Sciences 8, no. 4 (2018): 14–23. http://dx.doi.org/10.22610/jsds.v8i4.2059.

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This study empirically examines determinants of Micro-insurance ownership decision in Ghana. Probit estimation technique was used to examine data sourced from 612 informal commercial business operators in selected urban market centers in Ghana. The results reveal that financial literacy has significant effect on micro-insurance ownership decision among informal commercial market business operators in Ghana. The study also found income, access to credit, trust, market levy, Marital status and household headship status as other major predictors of micro-insurance ownership decision. Premised on

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10

Dr., Debabrata Jana. "Performance of Micro Insurance in India: A Critical Review." Journal of Scholastic Engineering Science and Management (JSESM), A Peer Reviewed Universities Refereed Multidisciplinary Research Journal 4, no. 3 (2025): 30–38. https://doi.org/10.5281/zenodo.15049002.

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Micro insurance seeks to protect impoverished people living in adverse conditions from health, nature and accident related risks. Currently in India, micro insurance has become an integral strategy for enhancing the economic livelihoods of the financially vulnerable masses. This paper offers a thorough analysis of how micro insurance is practiced in India by examining its number of policies, collection of premium, and death claim settlement. The research finds and evaluates the extent to which micro insurance schemes enhance the financial participation of the population and solves the problems

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Ganapathy, Venkatesh. "Sustaining Micro Insurance through Innovation." NLDIMSR Innovision Journal of Management Research 2, no. 1 (2018): 18. http://dx.doi.org/10.31794/nldimsr.2.1.2018.18-34.

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12

Gast, Jonathan, Michael Lechner, and Heidi Steiger. "Swiss Unemployment Insurance Micro Data." Journal of Contextual Economics – Schmollers Jahrbuch 124, no. 1 (2004): 175–81. http://dx.doi.org/10.3790/schm.124.1.175.

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13

Suarez, Pablo, and Joanne Linnerooth-Bayer. "Micro-insurance for local adaptation." Wiley Interdisciplinary Reviews: Climate Change 1, no. 2 (2010): 271–78. http://dx.doi.org/10.1002/wcc.37.

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14

Ndurukia, Zulekha, Dr Agnes W. Njeru, and Dr Esther Waiganjo. "THE DETERMINANTS OF DEMAND FOR MICRO INSURANCE SERVICES IN KENYA." American Journal of Finance 2, no. 6 (2017): 79. http://dx.doi.org/10.47672/ajf.275.

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Purpose: The purpose of this study was to determine the factors which influence the demand for micro insurance services in the insurance industry in Kenya.Methodology: The study adopted cross sectional survey design. The target population was insurance service providers in Kenya licensed by the Insurance Regulatory Authority (IRA). Sampling technique was stratified random sampling. A questionnaire was used in the collection of primary data which was analyzed using Statistical Package of Social Sciences (SPSS). Analysis of data was done using descriptive and inferential statistics. Regression a

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Dr., V. Johnson. "A study on the Developments in Micro Insurance in India." RESEARCH REVIEW International Journal of Multidisciplinary 03, no. 07 (2018): 55–62. https://doi.org/10.5281/zenodo.1307167.

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Considering the socio economic plight of the people of India with one fourth of them under poverty line and a vast majority living in rural areas vulnerable to numerous perilous risks, the importance of micro insurance-an insurance which focuses on the protection of the people at the lower strata of the society-need not be over emphasised. The foregoing analysis brings out the bleak picture of Indian Insurance industry with regard to Insurance Penetration, Density and Coverage which is much below world average and of many Asian countries. The insurance industry is still at nascent state in Ind

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16

Sharma, Pushpa Raj. "Mainstreaming Micro-Insurance Schemes: Role of Insurance Companies in Nepal." Economic Literature 11 (May 9, 2016): 40. http://dx.doi.org/10.3126/el.v11i0.14865.

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<p>Micro-insurance refers to the relatively short term insurances meant for health, accident, crop and livestock policies. The beneficiaries are the rural people who are mostly involved in agriculture which is subject to different external shocks. Along with agro insurance, the regulator is also encouraging insurance companies to insure micro enterprises such as water mills, tea shops, rickshaws and vending carts. The poor households currently need to incur huge amounts of health expenses which are over and above their current income(s) and savings and therefore, need to resort to multip

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17

Rahman, Md Mizanur, and Sakufa Chowdhury. "Does Micro Health Insurance Solve the Problem of Providing Accessible Healthcare to the Poor? Evidence from Niramoy Project, Bangladesh." Global Disclosure of Economics and Business 3, no. 1 (2014): 55–64. http://dx.doi.org/10.18034/gdeb.v3i1.171.

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Billion of people in the world are out of reach from the modern health care facilities and medicine. Micro health insurance is one of the methods of providing accessible health care facilities to the poor. Micro health insurance in Bangladesh provides basic health care at an affordable rate for the poor and the ultra-poor. The traditional insurance program consists of front cash at each stage of service delivery, but micro health insurance scheme with its partner-agent model based distribution channel cover the adequate risk protection, inclusivity of access, affordability and program sustaina

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18

Kaur, Harpreet. "Micro Insurance: Risk and Challenges in Himachal Pradesh." International Journal of Management and Development Studies 13, no. 12 (2024): 28–38. https://doi.org/10.53983/ijmds.v13n12.004.

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Micro insurance serves as a critical mechanism to address the financial vulnerabilities of low-income communities. In Himachal Pradesh, a state characterized by its predominantly rural and hilly landscape, the demand for micro insurance is heightened due to socio-economic hardships and the frequent occurrence of natural disasters that disrupt livelihoods. The state's reliance on agriculture and allied sectors emphasizes the necessity of financial safety nets for marginalized groups. Furthermore, the lack of access to formal financial institutions and limited financial literacy among rural resi

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19

Billoo, Farhan Usman, and Abdul Rehman Aleem. "Factors Influencing Willingness to Participate in a Micro Health Insurance Program: A Study in Urban Karachi." Pakistan Journal of Public Health 14, no. 3 (2024): 219–24. https://doi.org/10.32413/pjph.v14i3.1124.

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Background: In low- and middle-income countries, weak public health infrastructure and limited healthcare funding often lead to inadequate healthcare services. Private providers bridge this gap, resulting in high out-of-pocket expenses. Micro health insurance programs can enhance access to healthcare and offer financial protection to low-income populations. This study aimed to identify factors influencing the willingness to participate in micro health insurance programs and determine the optimal premium amount. Methodology: A cross-sectional analytical study was conducted in Karachi with 245 p

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20

Sheikh Aftaab-ul-Maroof, Sheikh Aftaab-ul-Maroof. "Demand for Micro Insurance: An assessment of Driving Factors." Indian Journal of Applied Research 4, no. 7 (2011): 336–38. http://dx.doi.org/10.15373/2249555x/july2014/105.

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21

Deepa V. and Sridevi M. "Micro Health Insurance Among Rural Women." Integrated Journal for Research in Arts and Humanities 2, no. 3 (2022): 25–29. http://dx.doi.org/10.55544/ijrah.2.3.26.

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The study determined the level of awareness and satisfaction with micro health insurance among rural women in the Puducherry Union territory. Using survey methods, primary data was acquired from insured members via a questionnaire. With the help of SPSS 20.0, a Chi-Square analysis was performed to determine the level of awareness and satisfaction, as well as demographic and socioeconomic characteristics. The findings imply that boosting knowledge is a key prerequisite for voluntary participation in MHI schemes, and that interactive, contextualised awareness tools might help people better under

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22

Cebula, Richard J. "The micro-firm health insurance hypothesis." Applied Economics Letters 17, no. 11 (2010): 1067–72. http://dx.doi.org/10.1080/00036840902817532.

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23

Magambo, John, Beatrice Warue, Levi Mbugua, and Dominic Mwenja. "Social capital and health micro-insurance uptake by the informal sector workers in Kenya." University Journal 4, no. 1 (2023): 77–94. http://dx.doi.org/10.59952/tuj.v4i1.154.

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This paper focuses on social capital as a determinant of health micro insurance uptake by informalsector workers in eight regions (Lake, North Rift, Central, Pwani, South Eastern, Frontier counties,Narok-Kajiado and Nairobi) in Kenya. Further moderating effects of mobile telephone technology wasexplored to find out its influence on the health micro insurance uptake. The study target populationcomprised 7,399,347 micro and small enterprises while sample size of 1,387 was selected out of thepopulation using stratified sampling technique. Social capital was found positive and significant (pvalue&

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Faisal, Ryan. "Cash Waqf Linked Sharia Micro Insurance (CWLSMI) Sebagai Proteksi Dana Darurat Pelaku Usaha Mikro." Jurnal Ilmiah Ekonomi Islam 10, no. 1 (2024): 1024. http://dx.doi.org/10.29040/jiei.v10i1.11459.

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The scientific work aims to introduce Cash Waqf Linked Sharia Micro Insurance (CWLSMI), an innovative approach to facilitate Sharia micro insurance contributions for micro-business actors using their owned products. Micro-business actors' product portfolios will be cataloged based on global community interests, and the management will be funded through productive waqf assets. Revenue generated from product sales will fund contributions to Sharia micro insurance for micro-business actors, their families, and contribute to government social security programs. CWLSMI serves as a financial plannin

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Shrestha, Sajeeb Kumar, Dipak Mahat, Dasarath Neupane, Tej Bahadur Karki, Padam Dongol, and Anuja Kattel. "Microfinance as a catalyst for women's empowerment: A study of Sindhuli District, Nepal." Edelweiss Applied Science and Technology 9, no. 5 (2025): 3080–92. https://doi.org/10.55214/25768484.v9i5.7649.

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This study examines the impact of microfinance programs on women’s economic empowerment in the Sindhuli district. It focuses on how micro-saving, micro-credit, micro-insurance, and training services contribute to improving women's financial independence and decision-making abilities. A cross-sectional research design with a deductive approach was used. Data were collected from 385 women who use microfinance services in the Sindhuli district. Participants were selected through purposive sampling. The data were analyzed using SmartPLS software to assess the relationship between microfinance serv

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Uddin, Mohammed Ahmar. "Microinsurance in India: Insurance literacy and demand." Business and Economic Horizons 13, no. 2 (2017): 182–91. https://doi.org/10.15208/beh.2017.14.

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Microinsurance offers policies to cover four types of risk; life, health, accidental and property and is a key element for the financial inclusion of the poor. This study examined the influence of insurance literacy and demographics on the likely hood of having a micro-insurance policy. The survey was conducted in the National Capital Region (NCR), India. Micro-insurance literacy was measured using a Quiz. The demographic variables included in the study were gender, age, education, marital status, income and the type of employment. Data analysis was performed using descriptive statistics and b

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Serila, Radya Pratiwi, Dwi Susanti, and Riaman Riaman. "Characteristic Factors of Health Micro Insurance Against Considerations in Selection of Health Service Facilities." International Journal of Research in Community Services 4, no. 1 (2023): 35–38. http://dx.doi.org/10.46336/ijrcs.v4i1.389.

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Indonesia is still faced with a series of health problems. One of the causes of health problems is the expensive cost of treatment. An alternative that people can choose for health financing is to have health micro-insurance aimed at lower-middle-class households. The purpose of this study was to identify factors characteristic of micro-insurance, against the consideration of choosing health service facilities. The data used were primary data obtained through a questionnaire of 220 health micro-insurance participants. This research was analyzed with a quantitative descriptive approach. The res

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Hidayat, Yuyun, Sukono Sukono, and Titi Purwandari. "Preparation Training for the Implementation of Agricultural Micro Insurance in the Prosperous Farmers Group, Parungponteng Village, Tasikmalaya Regency." International Journal of Research in Community Services 3, no. 4 (2022): 150–58. http://dx.doi.org/10.46336/ijrcs.v3i4.335.

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Agriculture is a form of processing biological natural resources with the help of technology, capital, labor, and management. In Indonesia, agriculture is the main source of livelihood in some areas, one of which is Cibungur village, Parungponteng sub-district, Tasikmalaya district, West Java. With agriculture as the main livelihood in the village, all of these are not spared from the risks that can damage the agricultural sector. With the risks that can occur, there comes a solution to this problem, one of which is insurance. One of the insurance facilities for handling farmer risk is the Agr

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Amoah, Ciciana, and John N. Mungai. "Financial literacy training and micro insurance on the financial performance of SMEs in the Sekondi-Takoradi Metropolis, Ghana." International Journal of Research in Business and Social Science (2147- 4478) 9, no. 7 (2020): 247–56. http://dx.doi.org/10.20525/ijrbs.v9i7.939.

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This research examines the effect of financial literacy training and micro insurance on the financial performance of Small and Medium Enterprises in the Sekondi-Takoradi Metropolis of Ghana. This study aims (i)to determine the effect of financial literacy training on the financial performance of SMEs, (ii) to establish the effect of microinsurance on the financial performance of SMEs; (iii) and to determine the moderating effect of government regulations on the relationship between financial literacy training, micro-insurance and the financial performance of SMEs. The study was based on the fi

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Knewtson, Heather, and Howard Qi. "Managing risk for sustainable microfinance." Journal of Risk Finance 20, no. 1 (2019): 2–13. http://dx.doi.org/10.1108/jrf-05-2018-0075.

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Purpose The purpose of this paper is to provide an insurance framework to address the challenge of managing default risk for lenders providing credit to small and micro businesses. Design/methodology/approach A theoretical model is developed showing how mircrofinance lenders can better manage the default risks of small and micro businesses, which assists lenders in sustainably providing affordable microfinance. Findings The model explains how to determine the feasible range of insurance premiums to advise lenders on the appropriate price for microinsurance protecting against small and micro bu

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Srivastaw, Sanjeev Kumar. "Micro Insurance: a Spectacular View on Rural Development in India." Indian Journal of Applied Research 3, no. 8 (2011): 96–97. http://dx.doi.org/10.15373/2249555x/aug2013/31.

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32

Banjo, Kudirat Adeola, and Fatai Adewale Oloyede. "Enhancing the Performance of Micro Insurance Industry in Nigeria Through Online Insurance Products." Advances in Multidisciplinary and scientific Research Journal Publication 29, no. 4 (2021): 329–43. http://dx.doi.org/10.22624/aims/abmic2021-v2-p26.

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Currently in Nigeria, none of the products of micro insurance industry can be acquired by interested customers just the same way customers can acquire banking products at the comfort of their homes through the aid of technological advancement, this study hereby focused on enhancing the performance of micro insurance industry in Nigeria through online Insurance Products. Survey research design was employed for this study. Ordinary Least Square and Logit Binary Regression Models were employed to test the hypotheses of the study. To conclude this study, we should simply agree that Online Insuranc

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Banjo, Kudirat Adeola (PhD) &., and Fatai Adewale Oloyede. "Enhancing the Performance of Micro Insurance Industry in Nigeria Through Online Insurance Products." Advances in Multidisciplinary and scientific Research Journal Publication 29 (December 30, 2021): 329`—343. http://dx.doi.org/10.22624/aims/abmic2021-v2-p26x.

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Currently in Nigeria, none of the products of micro insurance industry can be acquired by interested customers just the same way customers can acquire banking products at the comfort of their homes through the aid of technological advancement, this study hereby focused on enhancing the performance of micro insurance industry in Nigeria through online Insurance Products. Survey research design was employed for this study. Ordinary Least Square and Logit Binary Regression Models were employed to test the hypotheses of the study. To conclude this study, we should simply agree that Online Insuranc

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Olaosebikan, Olajumoke, and Mike Adams. "Prospects for micro-insurance in promoting micro-credit in sub-Sahara Africa." Qualitative Research in Financial Markets 6, no. 3 (2014): 232–57. http://dx.doi.org/10.1108/qrfm-09-2012-0028.

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Purpose – The purpose of this study was to, using a case study research design informed by organizational economics theory, to examine the prospects for micro-insurance in promoting micro-credit in a low-income Anglophone country in sub-Saharan Africa – The Gambia. Two main research questions are addressed: first, what is the most appropriate micro-finance institution (MFI) organizational structure to maximize the economic benefits of micro-insurance? Second, what are the financial management and wider economic benefits of the use of micro-insurance by MFIs? Design/methodology/approach – To ad

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Pinto, Vishal. "Role of NGOs in Promoting Micro Health Insurance: A Study with Reference to ‘Sampoorna Suraksha’ Health Insurance Scheme by SKDRDP, Mangalore (India)." South Asian Journal of Business and Management Cases 4, no. 2 (2015): 251–61. http://dx.doi.org/10.1177/2277977915596268.

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The insurance sector has penetrated towards many of the high-income individuals and families but was unable to reach to those poor who do not have the capacity to purchase these insurance products. Thus, it is has created a huge gap between the rich and the poor. Micro health insurance is a new phenomenon in the Indian insurance sector which is specifically designed for the poor. This insurance programme is very essential for the individuals to protect them from various uncertainties and risk. The insurance is normally a product designed for the convenience of the middle- and higher-income gro

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Musbikhin, Ahwarumi Biyati, and Alhifni Anas. "Development of Sharia Micro Insurance Model at Islamic Baording School Sunan Drajat." Journal of Economics, Finance And Management Studies 4, no. 08 (2021): 1381–88. https://doi.org/10.47191/jefms/v4-i8-14.

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Islamic Boarding School Sunan Drajat is a boarding school with a population of students reaching 12000 plus 20 business units spread across various sectors so that the existence of micro insurance is needed as a form of social security for students and others. This study aims to make a proposed model for the development of sharia insurance that can be developed at the Islamic boarding school in accordance with existing needs. The research method used in this study is a qualitative approach with ANP analysis techniques, the use of ANP analysis techniques aims to determine the extent to which th

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Dr., R. Sorna Priya, and Sathiya M. "Comparative Study of Economic Progression of Women before and after Availing Micro Credit." International Journal of Engineering and Management Research 8, no. 1 (2018): 85–93. https://doi.org/10.5281/zenodo.3362758.

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Microcredit is a small amount of money loaned to a client by a bank or other institution. Microfinance refers to loans, savings, insurance, transfer services, microcredit loans and other financial products targeted at low-income clients. Micro finance provides opportunity to the poor for getting sufficient amount of credit easily to start any income generating activity. Least formal and official obligation made the uneducated poor comfortable to get credit. Hence the researcher involved in analyzing the economic progression of women in Sivakasi and the data is collected from 200 respondents th

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Surbhi, Shaumya. "The Role of Micro Insurance in India." RESEARCH REVIEW International Journal of Multidisciplinary 5, no. 5 (2020): 126–33. http://dx.doi.org/10.31305/rrijm.2020.v05.i05.027.

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Akotey, Oscar Joseph, Kofi A. Osei, and Albert Gemegah. "The demand for micro insurance in Ghana." Journal of Risk Finance 12, no. 3 (2011): 182–94. http://dx.doi.org/10.1108/15265941111136932.

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40

Alex, Ruganzu, and Osiemo A. Kengere. "Micro Finance Institutional Services and Poverty Reduction in Rural Areas of Rwanda: A Case of Goshen Finance in Rwamagana District." Cognizance Journal of Multidisciplinary Studies 3, no. 11 (2023): 179–95. http://dx.doi.org/10.47760/cognizance.2023.v03i11.012.

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The study aimed to evaluate the impact of micro finance institutions on poverty reduction in rural Rwanda, using a case study of Goshen Finance in Rwamagana District. The study adopted a descriptive and analytical research design, collecting primary data from Goshen Finance staff and customers, and processing it using SPSS and Excel. The targeted population consisted of 150 respondents, including 45 employees and 105 beneficiaries. The study found compelling correlations between micro-saving and lending services and financial inclusion and well-being. A robust positive correlation was found be

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Ruganzu, Alex, and A. Kengere Osiemo. "Micro Finance Institutional Services and Poverty Reduction in Rural Areas of Rwanda: A Case of Goshen Finance in Rwamagana District." Cognizance Journal of Multidisciplinary Studies (CJMS) 3, no. 11 (2023): 179–95. https://doi.org/10.47760/cognizance.2023.v03i11.012.

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The study aimed to evaluate the impact of micro finance institutions on poverty reduction in rural Rwanda, using a case study of Goshen Finance in Rwamagana District. The study adopted a descriptive and analytical research design, collecting primary data from Goshen Finance staff and customers, and processing it using SPSS and Excel. The targeted population consisted of 150 respondents, including 45 employees and 105 beneficiaries. The study found compelling correlations between micro-saving and lending services and financial inclusion and well-being. A robust positive correlation was found be

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Ebekozien, Andrew, Clinton Aigbavboa, Mohamed Ahmed Hafez Ahmed, Mohamad Shaharudin Samsurijan, and John Aliu. "Appraising construction artisans health insurance enrolment to achieve sustainable development goal 3 in the informal sector: issues and solutions." International Journal of Building Pathology and Adaptation 43, no. 8 (2025): 26–40. https://doi.org/10.1108/ijbpa-07-2024-0151.

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PurposeIn developing countries, informal construction artisans are vital to economic growth. Governments encourage enrolment into micro health insurance schemes to sustain artisans’ well-being and achieve universal health coverage. The peculiarity associated with the informal construction artisans may hinder the scheme enrolment, particularly in Nigeria. It may threaten to improve achieving sustainable development goal 3 (good health and well-being). This study investigated the level of awareness and causes and suggested measures to improve micro health insurance policy enrolment for construct

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Thi, Xuan Huong Le, Tu Pham Minh, and Huu Ai Nguyen Thi. "Developing Micro-Insurance to Expand the Scope of Social Security for the Informal Economy in Vietnam." Journal of Economics, Finance and Management Studies 06, no. 10 (2023): 4701–8. https://doi.org/10.5281/zenodo.8403758.

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Social security is considered a fundamental means to reduce poverty, eliminate social exclusion and promote social cohesion, but the majority of workers in the informal economy are still deprived of the right to social security. Many studies show that microinsurance programs have a strong potential to reach actors in the informal economy and mobilize additional resources for social protection; microinsurance is effective in reducing vulnerability to risks, enhancing the ability to protect participants, and contributing to reducing income poverty as well as reducing multidimensional poverty. De

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Alkahfi, Muhammad Andre, and Nuri Aslami. "Pengaruh Strategi Pemasaran Asuransi Mikro terhadap Kesejahteraan UMKM di Indonesia." VISA: Journal of Vision and Ideas 1, no. 3 (2021): 261–73. http://dx.doi.org/10.47467/visa.v1i3.795.

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The purpose of this research is to explain a phenomena that happened in the Indonesian microinsurance business. Using the case study technique, we observed that microinsurance is still difficult to develop based on the overall population of Indonesians. If the main idea of micro insurance is applied, micro insurance products are still widely available in big cities but have yet to reach low-income individuals or UMKM. A breakthrough is necessary to produce microinsurance. This microinsurance business must be developed through a network of local communities, which are usually located in the low

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Alkahfi, Muhammad Andre, and Nuri Aslami. "Pengaruh Strategi Pemasaran Asuransi Mikro terhadap Kesejahteraan UMKM di Indonesia." VISA: Journal of Vision and Ideas 2, no. 1 (2021): 26–38. http://dx.doi.org/10.47467/visa.v2i1.795.

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The purpose of this research is to explain a phenomena that happened in the Indonesian microinsurance business. Using the case study technique, we observed that microinsurance is still difficult to develop based on the overall population of Indonesians. If the main idea of micro insurance is applied, micro insurance products are still widely available in big cities but have yet to reach low-income individuals or UMKM. A breakthrough is necessary to produce microinsurance. This microinsurance business must be developed through a network of local communities, which are usually located in the low

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Memon, Fofana, and Kouame Komenan. "L’interaction Micro-Assurances Et Assurés Dans Le Processus De Couverture Maladie En Côte d’Ivoire." European Scientific Journal, ESJ 12, no. 13 (2016): 468. http://dx.doi.org/10.19044/esj.2016.v12n13p468.

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The micro health insurance have greatly contributed to the medical coverage of the Ivorian population. This text is to question the social behavior of micro-insurance and insured to explain how they disrupt the disease process coverage of the individual. In terms of methodology, this article is based on a qualitative approach based on direct and indirect observation, document review and interviews. The results of the study indicate that microinsurance disease involved, certainly, to improve access of the population to health but the behavior of the insurer and the insured may hinder access to

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M. Radiamoda, Anwar. "The Need for Micro or Takaful in Islamic Insurance Partnerships in the Philippines." IKONOMIKA 10, no. 1 (2025): 41. https://doi.org/10.24042/ijebi.v10i1.26527.

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The study evaluates the feasibility of implementing affordable micro-Takaful solutions that align with Islamic finance principles to improve financial security for vulnerable groups. Findings indicate significant demand for Micro/Takaful in the Philippines, particularly among Muslim and low-income communities who face cultural and financial barriers to accessing conventional insurance. Micro-Takaful offers a Shari'ah-compliant, cost-effective alternative that fosters financial protection and mutual support. By promoting shared responsibility, it provides ethical insurance that aligns with Isla

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Srun, Sovila, Tak Kean, Chamroen Khim, Maria S. Rakitina, Irina A. Dmitrieva, and Natalia A. Ivanova. "Evaluation of claims reserve methods: claims payment pattern and Stanard-buhlmann, case study at prévoir insurance company (agriculture Cambodia)." E3S Web of Conferences 486 (2024): 03015. http://dx.doi.org/10.1051/e3sconf/202448603015.

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A claims reserve is money set aside for a claim that has been Reported But Not Settled (RBNS) or Incurred But Not Reported (IBNR). Claim reserves are crucial for the financial stability of insurance companies. Operationally, we can know the amount RBNS, but we don’t know the amount of IBNR. Therefore, actuarial literature has proposed numerous IBNR calculation methods, which are usually based on statistical concepts. However, the mutant and uncertain behavior of insurance environments for each insurance company does not make advisable to use a wide database across all insurance companies in Ca

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Kusumaningrum, D., K. Aldyan, V. A. Sutomo, et al. "Rice crop insurance in Indonesia: adaptation to climate and farm production support." IOP Conference Series: Earth and Environmental Science 892, no. 1 (2021): 012076. http://dx.doi.org/10.1088/1755-1315/892/1/012076.

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Abstract Indonesia’s Rice Crop Insurance (AUTP) scheme has successfully protected farmers from significant crop losses due to natural disasters. However, the current amount of AUTP’s compensation is still unable to accommodate farmer’s financing costs (i.e., unpaid micro-loan and its interests) to support crops production. This results in higher micro-loan risk and hinder the sustainability of farming enterprises. In this regard, the existing People’s Business Credit (KUR) should supposedly be accessible as a micro-loan source to help farmers fund their farms. This study has two objectives: (1

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Heenkenda, Shirantha. "Inclusive insurance sector: An innovativebusiness model for micro-insurance delivery in Sri Lanka." Journal of Asian Business Strategy 6, no. 1 (2016): 1–12. http://dx.doi.org/10.18488/journal.1006/2016.6.1/1006.1.1.12.

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