Insurance, credit and safety nets for the poor in a world of risk / Daniel Clarke and Stefan Dercon
2009
Files
Notice détaillée
SymboleST/ESA/2009/DWP/81
TitreInsurance, credit and safety nets for the poor in a world of risk / Daniel Clarke and Stefan Dercon
AccèsFull text: wp81_2009 - PDF ;
Résumé
This paper asks how insurance can be more effectively delivered to the poor, and what its role should be relative to other microfinance programmes, safety nets and informal insurance systems. We focus on the various interactions, including how insurance may crowd out credit and informal insurance, and implications for the design of insurance schemes. We argue that well-designed insurance schemes, building on existing informal systems, and focusing on catastrophic and serious covariate risks, could offer protection against risk and contribute to poverty reduction beyond the combined impact of microcredit programmes, safety nets and existing informal mutual support systems.
1. Introduction -- 2. A Simple Framework -- 3. Problems with Insurance -- 4. Credit, Insurance and Crowding out -- 5. The Links between Informal Insurance, Formal Insurance and Safety Nets -- 6. Credit, Safety Nets or Insurance? -- 7. Conclusion.
1. Introduction -- 2. A Simple Framework -- 3. Problems with Insurance -- 4. Credit, Insurance and Crowding out -- 5. The Links between Informal Insurance, Formal Insurance and Safety Nets -- 6. Credit, Safety Nets or Insurance? -- 7. Conclusion.
Cote
ST/DESA(05)/D62/no.81
Séries
Date[New York] : UN, Oct. 2009
Description
16 p. : tables
Notes
On cover: Economic & Social Affairs.
Includes bibliographical references (p. 15-16).
Includes bibliographical references (p. 15-16).