Publication database

This database contains a diverse range of more than 2,000 publications about inclusive business and relating topics, such as impact investing, microfinance and market systems approaches. You will find not only reports but also market intelligence, case studies, tools and videos that touch upon of several sectors and regions.

The diverse range of publications in this database all relate to inclusive business - meaning business models that engage base of the pyramid (BoP) consumers, suppliers, entrepreneurs and/or employees in low income and/or emerging markets.

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Displaying 1 - 10 of 259
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Research Paper #27 provides a legal analysis of the contractual vulnerability of microinsurance consumers and studies mechanisms that effectively protect them. While consumer protection is essential to address contractual vulnerability issues, it should be based on a legal framework and should place obligations on states, insurers, reinsurers and intermediaries who participate in the value chain of microinsurance.

PublisherThe ILO's Impact Insurance Facility
Publish Date
AuthorA. Camargo
LanguageEnglish
Region/CountryGlobal
IB Topics: BoP as customer
No

This study sought to enable SNV-Zimbabwe identify and understand the groundnuts value chain dynamics regarding actors (from farmers to firms), channels, markets trends, viability and production and consumption trends. 

Such an understanding would inform SNV’s overall exploration of ways to support groundnuts production and productivity through, inter alia, enhancing private sector participation and increasing the number of smallholder farmers pursuing groundnuts production on a commercial basis under the RARP CSF Oilseeds component and for the benefit of other agencies and actors who wish to intervene in this sub-sector.
 

PublisherSNV
Publish Date
Author
LanguageEnglish
Region/CountrySub-Saharan Africa
Zimbabwe
IB Topics: BoP as supplier
No

Adequate recruitment, training, incentives, and monitoring of a sales force are indispensable for selling microinsurance effectively. Briefing Note #14 summarizes lessons to improve performance throughout these four areas.

PublisherThe ILO's Impact Insurance Facility
Publish Date
AuthorA. Dalal, G. Cassar, S. Guarnaschelli
LanguageEnglish
Region/CountryGlobal
IB Topics: BoP as customer
No

Based on the experiences of innovative microfinance institutions (MFIs), it is clear that they can provide risk-management services that are valuable for clients and MFIs alike. Microinsurance Paper #18 provides a comprehensive review of the challenges and successes of microfinance institutions and offers ten key recommendations.

PublisherThe ILO's Impact Insurance Facility
Publish Date
AuthorA. Dalal, C. Churchill, J. Ling
LanguageEnglish
Region/CountryGlobal
IB Topics: BoP as customer
No

Research Paper #24 evaluates the impact of introducing a new health insurance product in rural Kenya. Health insurance was found to reduce net health expenditure and informal borrowing for medical costs, and to increase non-food and overall consumption. However, the study observed no significant differences in health outcomes between the control and treatment groups.
Demand for the product proved sensitive to price discounts, but not to training in financial and risk literacy. The main determinants of renewal were positive or negative experiences, rather than hospital use or price.

PublisherThe ILO's Impact Insurance Facility
Publish Date
AuthorA. Zeitling, J. W. Gunning, S. Dercon, S. Lombardini
LanguageEnglish
Region/CountrySub-Saharan Africa
Kenya
IB Topics: BoP as customer
No

Research Paper #25 looks into the social context within which risk attitudes are formed and participation decisions are made, using microdata from rural households in Gujarat, India. Both caste affiliation and social interaction are found to significantly affect the risk attitudes of farmers. Furthermore, social interaction seems to have a significant influence on the adoption of rainfall insurance.

PublisherThe ILO's Impact Insurance Facility
Publish Date
AuthorA. Singh, S. Gaurav, T. Ranganathan
LanguageEnglish
Region/CountrySouth Asia
India
IB Topics: BoP as customer
No

Why are demand and renewal rates for microinsurance so low despite the important protection it may offer? To address the puzzle, Research Paper #26 provides a selective overview of the current state of research on demand for microinsurance. It first looks at the theoretical research and then reviews the empirical evidence on the factors influencing demand for insurance.

PublisherThe ILO's Impact Insurance Facility
Publish Date
AuthorO. De Bock, W. Gelade
LanguageEnglish
Region/CountryGlobal
IB Topics: BoP as customer
No

The Zimbabwean dairy subsector currently remains strained by a serious shortage of skilled and experienced technical staff as well as by other constraints. This study makes recommendations to address these issues.

PublisherSNV
Publish Date
AuthorJ. Kagoro, K. Chatiza
LanguageEnglish
Region/CountrySub-Saharan Africa
Zimbabwe
No

Research Paper #23 examines how uninsured risk constrains farmers in Northern Ghana. It shows that when provided with insurance against the primary catastrophic risk they face, farmers are able to increase expenditure on their farms and make riskier choices. The study finds a strong demand for insurance among these farmers. Insurance payouts further increase this demand in subsequent years both among recipients and among their social networks.

PublisherThe ILO's Impact Insurance Facility
Publish Date
AuthorC. Udry, D. Karlan, I. Osei Akoto, R. Osei
LanguageEnglish
Region/CountrySub-Saharan Africa
Ghana
IB Topics: BoP as customer
No

Research Paper #21 assesses the risk mitigation capacity of weather index-based insurance for cotton growers in Northern Cameroon. It finds that weather index-based insurance is associated with huge basis risk and thus has limited potential for income smoothing. The authors use a tractable definition of basis risk to show that calibrating parameters in sub-regions allows to reduce dramatically basis risk and to avoid non negligible balancing out between distinct geographical zones.

PublisherThe ILO's Impact Insurance Facility
Publish Date
AuthorA. Leblois, B. Sultan, P. Quirion
LanguageEnglish
Region/CountrySub-Saharan Africa
Cameroon
No