Publication database

One important lesson from behavioural economics is the understanding that small changes in the design of products and marketing can sometimes make a surprising difference in how and whether financial products are used. Led by the Financial Access Initiative, Microinsurance Paper #5 presents laboratory and field research examples from the field of behavioural economics to provide eight recommendations for microinsurance providers. The authors describe new insights into how households think about losses and gains, weigh present and future trade-offs, struggle with self-control, and are influenced by the way choices are framed. These insights can help insurers navigate how to improve product design, marketing, insurance education, pricing, and take-up.

This report discusses what a sustainable world looks like, how can we realise it, and what role business can play in ensuring more rapid progress towards sustainability. It elaborates on nine areas for business action: values and behaviours, human development, economy, agriculture, forests, energy and power, buildings, mobility and materials. The report results from an 18-month combined effort with CEOs and experts, and dialogues with over 200 companies and external stakeholders in some 20 countries.

In 2009, the Microinsurance Innovation Facility published, in its Briefing Notes series, the results of a study that revealed the current landscape of microinsurance in Africa. The study, conducted in partnership with the MicroInsurance Centre, identified over 14 million low-income people in Africa who were covered by microinsurance at the end of 2008, almost double where this figure stood in 2004. Even with such growth, substantial parts of the continent remain almost barren of microinsurance. Microinsurance Paper #4 is an expanded version of those briefing notes, presenting more detailed results of the study and setting them in context. Market opportunity and demand are covered in depth, along with the African regulatory environment and other important enabling factors. The current outreach of microinsurance in Africa, including insurers, products, and delivery channels, is then presented from a practice-based perspective, with case studies and input from expert practitioners. The paper concludes with a discussion of challenges that must be overcome in order to facilitate broader, high-quality expansion in the years to come.

Este documento presenta el abordaje conceptual que la Fundación AVINA ha desarrollado en torno a los negocios inclusivos, abordando de forma detallada el concepto, sus componentes, la relación entre negocios y mercados inclusivos, y el trabajo que ha realizado la fundación.

This report presents the views of a range of businesses that are implementing adaptation strategies. It explores the scope for the private sector to adopt mainstream adaptation action and capitalise on new opportunities and markets. It considers the need for enhanced engagement between the private and public sector, providing recommendations on the benefits of collaborative working relationships.

Este artículo realiza una análisis de la situación energética mundial para posteriormente desarrollar un análisis de los compromisos para erradicar la pobreza en la región Caribe colombiana, y finaliza proponiendo el biodigestor como un alternativa para el desarrollo a través del uso de tecnología limpia.

This report aims to inform investors about the market potential of the clean energy industry serving India’s rural BoP market, by looking at its opportunities, challenges, and potential paths to growth. It overall picture of these growing clean energy sectors, rather providing investment advice on individual companies.

This report summarises the findings of a survey with key stakeholders in impact investment including almost 200 existing and aspiring impact investments as well as funds and organisations. The authors suggest concrete steps that will help the market mature and grow, with separate and specific recommendations for practitioners, development finance institutions, and regulators.

This report presents the Allianz company's experience in designing, delivering and scaling sustainable microinsurance products. It covers fives areas: what is microinsurance; how to create and design products for low-income people; how to deliver and operations; how to convince customers and sales; and how to be profitable and gain scale.

This study focuses on private sector health microinsurance 'HMI' and discusses the challenges that limit the growth and impact of HMI. In addition to identifying barriers to success, it presents innovations that may move the field forward, including collaboration with public programmes.