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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Database: Publications

Displaying 1 - 10 of 270
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Achieving scale and efficiency in microinsurance through retail and banking correspondents
48

Across the world, insurers have shifted away from traditional agents and brokers to partner with various alternative distribution channels – ranging from churches, trade unions and mobile network operators to banks, retailers and even civil service organizations - as a way of reaching critical mass at low cost. This study examines two of these channels – banking and retail correspondents – studying four examples in four countries.

PublisherThe ILO's Impact Insurance Facility
Publish Date
AuthorA. Menon, J. Leach, S. Ncube
LanguageEnglish
Region/CountryGlobal
SectorFinancial Services
No
Outpatient care in RSBY: A study of program’s pilot experiments
33

The paper reviews the pilot experiments conducted from 2011 onwards in eight districts across six states to test the provision of outpatient (OP) benefits under RSBY, India’s Social Health Insurance Scheme for low income populations. Administrative data on enrolment, empanelment of care providers and outpatient claims was analysed for the review. The paper also discusses the status of primary care in India and outpatient care provision in similar schemes in other developing nations (Vietnam, Ghana, Indonesia, Philippines and Thailand).

PublisherThe ILO's Impact Insurance Facility
Publish Date
AuthorR. Ruchismita, S. Sharma, S. Shoree
LanguageEnglish
Region/CountrySouth Asia
India
SectorFinancial Services, Health
No
Breaking the ICE: the role of insurance associations in insurance consumer education
2

In the last decade, some insurance associations (IAs) have expanded beyond their traditional core functions to develop insurance consumer education (ICE) programmes.  IAs, as the representatives of the industry are well-positioned and ideally suited to invest in ICE. By investing in ICE they not only promote consumer protection but they also contribute in improving the reputation of the industry. Excerpted from Microinsurance Paper no. 31, this brief summarises steps that the IAs should take during the preparation of an ICE.

PublisherThe ILO's Impact Insurance Facility
Publish Date
AuthorA. Dalal, C. Fonseca
LanguageEnglish
Region/CountryGlobal
IB Topics: BoP as customer
SectorEducation, Financial Services
No
Microinsurance distribution: Insights for insurers
2

Delivering insurance to the poor is a formidable task. Insurers must reach people who do not come into contact with their usual sales channels, at low cost and in large numbers. To be successful, they must answer three critical questions: How can I make most of the distribution channel? What can I do for the distribution channel? Is the channel right for my target market?

PublisherThe ILO's Impact Insurance Facility
Publish Date
AuthorA. Merry, P. Prashad, T. Hoffarth
Language
Region/CountryGlobal
IB Topics: BoP as customer
SectorFinancial Services
No
Making health microinsurance work: ten recommendations for practitioners
2

Health microinsurance (HMI) can deliver value to clients and support efforts to achieve universal health coverage. Despite being the most demanded type of microinsurance across the world, its success remains limited and HMI providers face a myriad of challenges: how to provide affordable comprehensive benefits, prevent illness, reduce administrative costs, provide access to quality health care, limit fraud and moral hazard, and manage the cost of care? 

PublisherThe ILO's Impact Insurance Facility
Publish Date
AuthorC. Phily, J. Holtz, T. Hoffarth
LanguageEnglish
Region/CountryGlobal
IB Topics: BoP as customer
SectorFinancial Services, Health
No
Microreinsurance applications: Filling supply and demand gaps
2

The potential size of the global micro reinsurance market is estimated somewhere between US$6 billion and US$12 billion in ceded premium. An untapped market of this size warrants significant attention from the reinsurance community, given downward global trends in commercial reinsurance and other pressures on top-line growth. 

PublisherThe ILO's Impact Insurance Facility
Publish Date
AuthorA. Bernhardt
LanguageEnglish
Region/CountryGlobal
IB Topics: BoP as customer
SectorFinancial Services
No
Rural Agriculture Revitalisation Program
42

SNV was engaged by the Danish International Development Organisation (DANIDA) to implement the Rural Agriculture Revitalisation Project- Commercialisation of Smallholder Farmers (RARP CSF), an initiative which seek to facilitate commercialisation of smallholder agriculture  with a view to promote improved household incomes, employment and food security. The project aim was to reach 280,000 smallholder farming households throughout all eight rural provinces in Zimbabwe. The study should serve as a guide for the Government in the formulation of policies that support the development of viable smallholder farmer based horticulture value chains in Zimbabwe.

PublisherSNV
Publish Date
Author
LanguageEnglish
Region/CountrySub-Saharan Africa
Zimbabwe
IB Topics: BoP as supplier
SectorAgriculture or Food
No
Creating an enabling environment to improve client value
24

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.

PublisherThe ILO's Impact Insurance Facility
Publish Date
AuthorA. Dalal, C. Fonseca
LanguageEnglish
Region/CountryGlobal
SectorFinancial Services
No
Case Brief: Bradesco
4

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.

PublisherThe ILO's Impact Insurance Facility
Publish Date
AuthorA. Merry, M. Solana
LanguageEnglish
Region/CountryLatin America and the Caribbean
Brazil
SectorFinancial Services
No
Making health microinsurance work: Ten recommendations for practitioners
34

The high cost of health care can have devastating consequences for low-income households. Health insurance is one option that can mitigate these consequences by contributing to improving access to health services. This paper outlines key challenges and presents ten recommendations for practitioners, governments and other stakeholders to improve product design, streamline processes and foster necessary partnerships: in short, to make health microinsurance work.

PublisherThe ILO's Impact Insurance Facility
Publish Date
AuthorC. Phily, J. Holtz, S. Grossman-Crist
LanguageEnglish
Region/CountryGlobal
IB Topics: BoP as customer
SectorFinancial Services, Health
No