Publication database

El proyecto que se presenta en esta publicación tiene como objetivo la mejora de la nutrición de población en riesgo del Departamento del Cauca y del Valle del Cauca, en Colombia, a través del consumo de Frucap, un producto altamente nutritivo y funcional que se canaliza a la población vulnerable a través de compras públicas y otras entidades del sector alimentario. Sin embargo, el gran éxito y aprendizaje del proyecto no se basa sólo en la accesibilidad del producto Frucap para poblaciones con deficiencias nutricionales, sino en el modelo de negocio inclusivo que hay detrás de su producción y desarrollo.

With the support of the Mastercard Center for Inclusive Growth, this report seeks to do this by examining the legal framework that provides the foundation for progress and future growth, the key actors and their roles within the supply chain, and the best opportunities to invest in the growth and formalization of enterprises operating in the recycled waste sector in Peru. The conclusion of this report identifies significant opportunity to transform the waste management sector in Peru by engaging key actors who are well-positioned to strengthen the recycling and waste management sector as a whole while expanding new market and microenterprise opportunities. 

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. 

Some banks have started to develop partnerships with commercial outlets, such as shops or pharmacies, who provide a set of financial services on behalf of the bank. This model has been particularly successful in Brazil, where the number of bank branches remained stable from 2002 to 2011, but the number of banking correspondents experienced a 19 per cent annual growth rate. Find out about Bradesco’s experience using its extensive network of almost 47,000 banking correspondents to sell personal accident and funeral insurance.

In the past decade, some insurance associations have expanded beyond their traditional core functions to develop insurance consumer education (ICE) programmes. While the motivations for doing so are diverse, ICE programs ultimately aim to improve the perception, and spread the culture, of insurance.

Microinsurance Paper #34 discusses the different approaches available to insurance associations in Latin America to effectively deliver ICE. Emphasis is placed on a business model for associations, while providing key general lessons and links to useful reference material. The discussion is based on a review of the experiences of insurance associations in Brazil, Colombia, and Mexico. 

Increasingly insurance is being seen as a way to protect low-income people against the worst effects of catastrophes, such as the storms, floods and earthquakes which are regular and devastating for poor Haitians. Yet a chasm exists between the world of multinational reinsurers and the daily life of Haiti’s most vulnerable. Find out how Fonkoze, Haiti’s largest microfinance institution, was able to bridge this gap.

Mexican agriculture provides a large majority of the food consumed in the nation, but production is frequently constrained by the climate. A government agricultural insurance scheme was developed to offer protection for farmers. However, small-scale farmers struggled to access the scheme. Find out in Case Brief #4 about how an intermediary was able to extend access.

In 2012, Aseguradora Rural registered the first approved health microinsurance product in Guatemala, sold through its partner, a large, trusted bank network. As highlighted in Case Brief #1, it has been able to leverage clients´ trust in the bank to grow quickly. Now it is tackling the challenge of ensuring understanding and use of the product on an equally large scale.

This report explores examples of using innovative applications of mobile technology and infrastructure to deliver off-grid energy solutions. It provides a case study of these opportunities, based on the network of Telefo?nica Movistar Nicaragua, a subsidiary of the Spanish-based global operator Telefo?nica. The report finds that there is a potential business case for mobile operators to support access to energy and phone charging services in off-grid communities.

The aim of Research Paper #5 was to extend analysis on a randomized evaluation of voluntary health insurance in Managua, Nicaragua. The paper presents evidence that this insurance product did not increase wasteful consumption: children who were insured but not sick at the beginning of the study reported fewer visits to all providers than those who were uninsured but not sick. Importantly, this insurance product did result in some targeting towards less healthy children, as those who were sick at the beginning of the study reported significantly more visits to all providers, including covered providers. The researchers also present retention results where they find that only 6 percent of those insured were retained 18 months after subsidies were no longer available. Lastly, they present some descriptive statistics of diagnoses at health centres and costs to discuss the implications of the main burdens of disease.