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Understanding Risks to Cash Flows of Migrants

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This presentation was delivered by me during the National Conference on Microinsurance 2009. It was made in order to help the micro-insurance industry appreciate the issues affecting the cash flows/incomes of migrants, particularly at destination. It also outlines the work of Rajasthan Shram Sarathi Association, an NGO-MFI promoted by Aajeevika Bureau to provide financial services exclusively to migrant households.

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Understanding Risks to Cash Flows of Migrants

  1. 1. Aajeevika Bureau Understanding Risks Faced by Migrants
  2. 2. A Pervasive Reality…
  3. 3. Of Migration…
  4. 4. High labour importers include Maharashtra, Gujarat, Haryana, Punjab, Karnataka and Delhi. High out-migration states include UP, Bihar, Jharkhand, MP, Orissa and Rajasthan
  5. 5. * Aajeevika Bureau Estimates Source Areas 1 2 3 4 5 6
  6. 6. South Rajasthan: Livelihoods Under Stress South Rajasthan: A pocket of heavy out migration in India
  7. 7. Major Moves Jaipur Udaipur North Gujarat Ahmedabad Surat
  8. 8. A State of Drift
  9. 9. Aajeevika Bureau
  10. 10. Migration Services and Solutions
  11. 11. Leading Vulnerable Lives…
  12. 12. Life Risk
  13. 13. Workplace and Destination Risks for Migrant Workers
  14. 14. Seeking help at the Destination
  15. 15. Labour Market Ineffeciencies
  16. 16. Rajasthan Shram Sarathi Association
  17. 17. Integrated Financial Management Financial Services Credit Savings Management Insurance (?) Financial Services Credit Savings Management Financial Services Credit Savings Management Insurance Financial Services Credit Savings Management Insurance (?) Financial Services Credit Savings Management Insurance Financial Services Credit Savings Management Pension
  18. 18. Thank You

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