Understanding Risks to Cash Flows of Migrants
Dec. 12, 2009•0 likes•323 views
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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. Aajeevika Bureau Understanding Risks Faced by Migrants
- 2. A Pervasive Reality…
- 3. Of Migration…
- 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. * Aajeevika Bureau Estimates Source Areas 1 2 3 4 5 6
- 6. South Rajasthan: Livelihoods Under Stress South Rajasthan: A pocket of heavy out migration in India
- 7. Major Moves Jaipur Udaipur North Gujarat Ahmedabad Surat
- 8. A State of Drift
- 9. Aajeevika Bureau
- 10. Migration Services and Solutions
- 11. Leading Vulnerable Lives…
- 12. Life Risk
- 13. Workplace and Destination Risks for Migrant Workers
- 14. Seeking help at the Destination
- 15. Labour Market Ineffeciencies
- 16. Rajasthan Shram Sarathi Association
- 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. Thank You
Editor's Notes
- Draw inferences here Safety measures/entitlements – no contract (2 in F), no 1 st aid (62-91%), no compensation (varies 87-23% – L S C F), no paid leave 80-100 (S H): 40 (C F) Body ache (all), backache (all), headaches (S,F), Excess sweating (H,C,F), Breathlessness (H), Joint pain (C ), Burning of skin (C, F), Stomachache (F) Add Long term implications of these risks in the trade/occupation: perceived and otherwise In scrap saw a kid fiddling with electric wire, bare feet and hands
- Leads to uncertainity and unpredictability of income….