Base de données de publications

The significance of strengthening economic growth and sustainable development through financial inclusion is critical for the Asia-Pacific region. Harnessing the advent of digital technology to enable financial inclusion is one of the most promising opportunities to bring millions of unserved and underserved people across the region into the formal financial sector. This is especially true for people who are living at the base of the economic pyramid (BoEP) and for women, who are disproportionately marginalized.

However, while the promise of digital finance is appealing, the introduction of digital services does not solve many of the root causes of financial exclusion and also creates new challenges for those at the BoEP. This policy guidebook aims to support the region’s policy makers and regulators to capitalize on the opportunity to harness digital technology as an effective means to advance financial inclusion and enhance the wellbeing of those at the BoEP, including women.

CGAP set out to examine pathways to inclusive payment ecosystems in two Sub-Saharan African countries, Tanzania and Ghana, to learn from their experiences. While this analysis could have highlighted the experiences of any number of countries that have succeeded in developing inclusive payment ecosystems, the Tanzanian and Ghanaian experiences hold unique and complementary lessons.

Developing solutions that address ill health can be a triple win for clients, society and financial service providers. Keeping clients and their families healthy makes business sense, but while there is great demand for such solutions, only a few providers have focussed on tackling health challenges. Our latest paper includes case studies and outlines the scope for financial service providers to develop holistic health solutions.

Insurance supervisors in emerging markets have developed different approaches to foster markets for inclusive insurance. Several markets have undergone transformative changes as a result, but what has been the impact of these measures? The Access to Insurance Initiative (A2ii) and the Facility have commissioned this study to assess the impact of microinsurance regulatory frameworks on developing inclusive insurance markets by way of a Regulatory Impact Assessment. 

The paper discusses agricultural insurance subsidy in detail and draws upon available literature and case study experiences to propose good practice guidelines for the design and implementation.

“Can health microinsurance (HMI) schemes achieve sustainability?” As with many seemingly simple questions, there is no simple answer. The answer to this question is of interest to a variety of parties. Insurance providers seek to understand if there is a viable business case for offering an HMI product. Health-care providers and pharmaceutical companies are interested in whether or not HMI can be a means for broadening coverage. Donors and other funding organizations want to know if HMI is a viable investment as a means to improve health-care access, health outcomes and financial protection for the low-income population. Governments consider how to use HMI schemes as a step towards universal health coverage.

This paper seeks to answer this simple yet crucial question based on the experiences of five schemes in South Asia.

The last brief of Client Value series provides recommendations for policy-makers, regulators and funders on how to create an enabling environment that promotes client value. The insights are based on new impact evidence of microinsurance and the experience of countries where governments and donors are using insurance related interventions to achieve public policy objectives or develop the market. The brief presents ten blueprints to guide government and donor decisions and actions across the three main dimensions 1) insurance promotion through public-private partnerships (PPPs) and subsidies; 2) investment in infrastructure and client education; and 3) regulation and supervision.

Insurance can contribute to a number of public policy objectives, including improving access to health care, increasing food security, and coping with climate change. There is therefore a public policy rationale to invest in the development of efficient insurance markets that provide equitable access to low-income households. Briefing Note #22 presents a framework and lessons from nine subsidized insurance schemes for governments and donors on how to effectively design and implement “smart” subsidies for agriculture and health microinsurance.

This study was partly funded by the German Federal Ministry for Economic Cooperation and Development (BMZ), which promotes insurance approaches within comprehensive systems of social protection and inclusive financial systems.

Insurance can contribute to a number of public policy objectives, including improving access to health care, increasing food security, and coping with climate change. There is therefore a public policy rationale to invest in the development of efficient insurance markets that provide equitable access to low-income households. Microinsurance Paper #29 presents a framework and lessons from nine subsidized insurance schemes for governments and donors on how to effectively design and implement “smart” subsidies for agriculture and health microinsurance.

This study was partly funded by the German Federal Ministry for Economic Cooperation and Development (BMZ), which promotes insurance approaches within comprehensive systems of social protection and inclusive financial systems.

Many countries are pursuing government-sponsored health insurance as a primary path towards universal health coverage. In these same countries, there are private health microinsurance schemes sponsored by community-based organizations, commercial insurance companies, or other institutions. In Microinsurance Paper #23, the Facility explores the hypothesis that government-sponsored initiatives should collaborate with private actors to accelerate the expansion of health insurance to informal workers and their families.