000009759 001__ 9759
000009759 005__ 20141205153151.0
000009759 04107 $$aeng
000009759 046__ $$k2008-10-12
000009759 100__ $$aCoburn, Andrew W.
000009759 24500 $$aOvercoming Barriers to Micro-Insurance for Catastrophe Risk Mitigation: Lessons from Micro-Finance Operations

000009759 24630 $$n14.$$pProceedings of the 14th World Conference on Earthquake Engineering
000009759 260__ $$b
000009759 506__ $$arestricted
000009759 520__ $$2eng$$aA small-scale community-based micro-finance scheme in Andhra Pradesh is used to explore how a micro-insurance scheme might reach low-income households to improve their resilience to future disasters. Data from the ten years of loans administered by the Divi Seema Foundation (DSF) shows that the primary concerns for financial protection are livestock and economically-productive resources. An insurance product that covered several of these key elements would be affordable by the landless households if it were priced within about 1% of income. Estimates of claims costs based on DSF data suggests that certain components, but not everything on the wish-list, could be covered in an insurance product at this price. The economic viability of an insurance scheme in a hazard-prone area like this one would depend on the cost of catastrophe reinsurance. This would probably be too expensive for a small-scale scheme but could be defrayed in a larger scheme. The proposed micro-insurance scheme is viable if it can scale the community administration of DSF.

000009759 540__ $$aText je chráněný podle autorského zákona č. 121/2000 Sb.
000009759 653__ $$aMicro-insurance, micro-finance, community, low-income, disasters

000009759 7112_ $$a14th World Conference on Earthquake Engineering$$cBejing (CN)$$d2008-10-12 / 2008-10-17$$gWCEE15
000009759 720__ $$aCoburn, Andrew W.$$iWinchester, Peter
000009759 8560_ $$ffischerc@itam.cas.cz
000009759 8564_ $$s351823$$uhttps://invenio.itam.cas.cz/record/9759/files/S01-01-009.pdf$$yOriginal version of the author's contribution as presented on CD, Paper ID: S01-01-009.
000009759 962__ $$r9324
000009759 980__ $$aPAPER