Presentation made by M. Balasubramanian (Programme Leader, DHAN Foundation, India) at the 6th ICMIF Development Network Seminar (1-2 November 2012; Nairobi, Kenya)
The document discusses the global cancer burden and the work of the Union for International Cancer Control (UICC) to address it. Some key points:
- There are currently 14 million new cancer cases diagnosed globally each year, and cancer deaths exceed those from HIV/AIDS, malaria, and tuberculosis combined. Over 50% of cancer deaths occur in low- and middle-income countries.
- UICC believes we are at a turning point in fighting cancer and their campaign "Together We Can" aims to accelerate efforts, unleash new advances, and push for greater recognition of cancer in global health.
- UICC convenes the world's cancer leaders, builds capacity of members/partners, and advocates for cancer control
This document discusses Plan Ghana's efforts to promote financial inclusion in Ghana through village savings and loans associations (VSLAs). It outlines two phases of Plan Ghana's work using the VSL methodology: Phase I targeted both adults and youth through various projects, establishing over 3,000 VSLAs with over 85,000 members. Phase II aims to establish 1,650 youth-led VSLAs reaching over 41,000 young people. The document also discusses challenges such as youth migration and unemployment, and recommends stronger community partnerships and support for entrepreneurship to achieve greater impact.
INCRISD Training report on Inclsuive DRM Toolkit Bangaldesh Final 02122014Efaz Ahmed
The two-day training in Dhaka, Bangladesh provided 26 participants from 14 organizations an introduction to the Inclusive Disaster Risk Management (DRM) Framework and Toolkit. Through presentations, group work, videos, and role-playing exercises, participants gained an understanding of how to promote inclusion in all aspects of DRM work. Key lessons included seeing vulnerability as determined by social systems rather than natural factors alone, understanding the 4 Dimensions of inclusion, and applying an inclusive lens to each stage of the DRM process. Challenges included limited time to fully cover complex topics, but methodologies like role-playing and use of visuals engaged participants. Participants committed to applying what they learned to make DRM work more inclusive of
This document discusses fisheries co-management, which involves sharing management power and responsibilities between government and local fishing communities. Co-management aims to provide a forum for participation in rule-making, decision-making, and knowledge sharing between resource users and government. It can vary in the level of control communities have and depends on legal frameworks and community organization. The document outlines definitions of co-management, categories of co-management approaches, advantages like more sustainable resource use and social empowerment, limitations, and factors that affect successful co-management.
This document provides an agenda and background information for The Forests Dialogue's scoping dialogue on REDD+ benefit sharing taking place on March 23-24, 2013 in Washington, DC. The dialogue will discuss key issues in designing and implementing REDD+ benefit sharing mechanisms through stakeholder presentations and group discussions. The Forests Dialogue is an international platform that addresses strategic forest and climate change issues through multi-stakeholder dialogues to build understanding and commitment to change. This dialogue aims to develop a shared understanding of REDD+ benefit sharing challenges and opportunities and identify practical tools to support equitable and efficient benefit distribution.
1) A World Concern project in Kenya aimed to support over 150,000 orphaned and vulnerable children through local community groups and churches. The project provided some groups with training and funding to care for children 3-5 years prior.
2) An evaluation found that 87% of the groups that received both training and funding from the project continued to support children 3-5 years later, demonstrating that a combination of skills development and resources helped create sustainable support.
3) Factors that contributed to sustainability included empowering local groups to take ownership over support activities, establishing income-generating activities to financially support children, and engaging existing community and faith institutions.
DHAN Foundation is an Indian NGO that aims to reduce poverty and promote self-reliance. It has extensive experience with disaster risk reduction through programs focused on community banking, agriculture development, education, and information technology. This background paper was prepared for a knowledge building workshop to share DHAN's experiences with disaster risk reduction and discuss how to strengthen resilience to future disasters.
The document discusses the global cancer burden and the work of the Union for International Cancer Control (UICC) to address it. Some key points:
- There are currently 14 million new cancer cases diagnosed globally each year, and cancer deaths exceed those from HIV/AIDS, malaria, and tuberculosis combined. Over 50% of cancer deaths occur in low- and middle-income countries.
- UICC believes we are at a turning point in fighting cancer and their campaign "Together We Can" aims to accelerate efforts, unleash new advances, and push for greater recognition of cancer in global health.
- UICC convenes the world's cancer leaders, builds capacity of members/partners, and advocates for cancer control
This document discusses Plan Ghana's efforts to promote financial inclusion in Ghana through village savings and loans associations (VSLAs). It outlines two phases of Plan Ghana's work using the VSL methodology: Phase I targeted both adults and youth through various projects, establishing over 3,000 VSLAs with over 85,000 members. Phase II aims to establish 1,650 youth-led VSLAs reaching over 41,000 young people. The document also discusses challenges such as youth migration and unemployment, and recommends stronger community partnerships and support for entrepreneurship to achieve greater impact.
INCRISD Training report on Inclsuive DRM Toolkit Bangaldesh Final 02122014Efaz Ahmed
The two-day training in Dhaka, Bangladesh provided 26 participants from 14 organizations an introduction to the Inclusive Disaster Risk Management (DRM) Framework and Toolkit. Through presentations, group work, videos, and role-playing exercises, participants gained an understanding of how to promote inclusion in all aspects of DRM work. Key lessons included seeing vulnerability as determined by social systems rather than natural factors alone, understanding the 4 Dimensions of inclusion, and applying an inclusive lens to each stage of the DRM process. Challenges included limited time to fully cover complex topics, but methodologies like role-playing and use of visuals engaged participants. Participants committed to applying what they learned to make DRM work more inclusive of
This document discusses fisheries co-management, which involves sharing management power and responsibilities between government and local fishing communities. Co-management aims to provide a forum for participation in rule-making, decision-making, and knowledge sharing between resource users and government. It can vary in the level of control communities have and depends on legal frameworks and community organization. The document outlines definitions of co-management, categories of co-management approaches, advantages like more sustainable resource use and social empowerment, limitations, and factors that affect successful co-management.
This document provides an agenda and background information for The Forests Dialogue's scoping dialogue on REDD+ benefit sharing taking place on March 23-24, 2013 in Washington, DC. The dialogue will discuss key issues in designing and implementing REDD+ benefit sharing mechanisms through stakeholder presentations and group discussions. The Forests Dialogue is an international platform that addresses strategic forest and climate change issues through multi-stakeholder dialogues to build understanding and commitment to change. This dialogue aims to develop a shared understanding of REDD+ benefit sharing challenges and opportunities and identify practical tools to support equitable and efficient benefit distribution.
1) A World Concern project in Kenya aimed to support over 150,000 orphaned and vulnerable children through local community groups and churches. The project provided some groups with training and funding to care for children 3-5 years prior.
2) An evaluation found that 87% of the groups that received both training and funding from the project continued to support children 3-5 years later, demonstrating that a combination of skills development and resources helped create sustainable support.
3) Factors that contributed to sustainability included empowering local groups to take ownership over support activities, establishing income-generating activities to financially support children, and engaging existing community and faith institutions.
DHAN Foundation is an Indian NGO that aims to reduce poverty and promote self-reliance. It has extensive experience with disaster risk reduction through programs focused on community banking, agriculture development, education, and information technology. This background paper was prepared for a knowledge building workshop to share DHAN's experiences with disaster risk reduction and discuss how to strengthen resilience to future disasters.
It gives u a brief details about what is micro finance, how it works, y there is need for such institutions, the NGO's involved and the different types of MFI involved. the steps taken by India for micro finance.
This document provides an introduction to the Professional Certificate in Microfinance Module 1. It begins with introductions and house rules from the facilitator. It then provides an overview of the instructor's profile and qualifications. The document outlines the module objectives to understand the nature, history, demand, supply and products of microfinance as well as a new taxonomy. It provides background on defining microfinance by products/needs focus, target market and market focus. It discusses the social mission and performance of microfinance institutions. It then gives a brief history of microfinance globally and the origins and success of Grameen Bank in Bangladesh.
Microfinance refers to small-scale financial services like credit and deposits provided to low-income individuals who lack access to traditional banking services. It aims to help the poor become self-sufficient through saving, borrowing, and insurance. While banks are reluctant to serve these clients due to high costs and lack of collateral, microfinance fills this gap by providing small, affordable loans. Groups like self-help groups and microfinance institutions have successfully delivered microcredit in countries like India and Bangladesh, achieving repayment rates over 95% and helping many escape poverty. However, some criticize that microfinance benefits the moderately poor more than the destitute and can lead to over-indebtedness if not implemented responsibly.
This document presents information on microfinance in India. It discusses how microfinance provides financial services like credit, savings and insurance to poor individuals. It notes that microfinance aims to improve livelihoods through capital provision. The document provides statistics on microfinance in India and outlines the roles of various regulatory bodies. It discusses self-help groups and their importance in poverty alleviation. It also examines the role of banks in providing assistance to microfinance institutions and some problems faced by these institutions. Finally, it proposes various solutions and concludes by emphasizing the potential of self-help groups and microfinance to reduce poverty in India.
This document provides an overview of microfinance in India. It defines microfinance and its key features. It discusses the evolution of microfinance in India since the 1970s. It describes the different models of microfinance delivery including self-help groups (SHGs), joint liability groups (JLGs), microfinance institutions (MFIs), and the priority sector lending framework. It summarizes the recommendations of the Malegam Committee on regulating the microfinance sector in India. Finally, it provides some statistics on the growth and current status of microfinance in India.
SAKHI raises capital through:
1. Loans from Friends of Women World Bank at an annual interest rate of 13.5%
2. Group guarantees followed by center guarantees for loans provided to members
3. Upfront loan processing fees of 2% charged to borrowers
SAKHI provides microloans ranging from Rs. 3,000 to Rs. 15,000 to economically disadvantaged individuals through a systematic organizational structure and loan disbursement process.
This document is a research project report submitted in partial fulfillment of an MBA degree. It examines the impact of microfinance on the living standards, empowerment and poverty alleviation of poor women in North India. The report includes a declaration by the student, acknowledgements of those who assisted and supervised the project, and an introduction providing context on microfinance and its goals. It also outlines the chapters to follow, which will cover a literature review on previous research conducted on microfinance and its effects, as well as subsequent chapters analyzing and discussing the results of the student's case study research.
This document provides an overview of microfinance in India. It discusses how microfinance provides financial services to low-income individuals who lack access to traditional banking. It notes examples like Mrs. Bharti who was able to start a sewing business after getting a microloan. The document also discusses challenges in the microfinance sector like steady access to capital, heavy dependence on banks/financial institutions, and political sensitivity around interest rates charged. Overall, the document aims to introduce microfinance and its role in empowering the poor in India.
Presentation made by Annette Houtekamer (Business Development Manager, ACHMEA, Netherlands) at the 6th ICMIF Development Network Seminar (1-2 November 2012; Nairobi, Kenya)
This document presents a case study on developing a long-term strategy to combat health care problems among underprivileged people in India. It identifies key problems such as a focus on curative rather than preventive care, illiteracy, poor nutrition, children's workloads, and a lack of involvement from schools. Immediate responses proposed include using mobile health applications, organizing health camps, and encouraging collaborative efforts between different actors. The long-term strategy focuses on preventive health services, improving infrastructure and services through increased resources and public-private partnerships, empowering local governments, implementing community-based health insurance, and generating resources through targeted philanthropy programs. Roadblocks to implementation are also addressed.
Agriculture Cooperatives’ Contribution to Improvement of Community Life in Pa...jo bitonio
This document summarizes a study on the contributions of agriculture cooperatives to improving community life in Pangasinan, Philippines. The study examined 13 cooperatives and found they provide various social and economic interventions. Socially, they offer scholarships, capacity building, medical services, and insurance. Economically, they provide grocery stores, employment, and livelihood training. The cooperatives contribute to communities by being adaptable, effective, significant, financially viable, and sustainable. They empower marginalized groups like women by providing capital and business opportunities. The study concludes cooperatives play a crucial role in local social and economic development through their various interventions. It recommends strengthening monitoring, developing comprehensive plans, and forging partnerships to help cooperatives better support
Mercy Corps is an international humanitarian organization that has provided $1.5 billion in assistance to over 106 countries since 1979. The presentation discusses Mercy Corps' Agri-Fin Mobile program, which aims to improve incomes for smallholder farmers through sustainable business models that bundle mobile apps and financial services. Specifically, the program partners app providers and banks to provide farmers access to markets, technical information, and financial services via their phones. The program has already reached over 140,000 farmers across 3 countries.
Debalkew BERHE "The IGAD Drought Disaster Resilience and Sustainability Initi...Global Risk Forum GRFDavos
Dr. Debalkew Berhe presented on IDDRSI as an international, regional, national, and local strategic policy framework to end drought emergencies in the Horn of Africa region. IDDRSI aims to enhance partnerships, improve coordination and common programming across levels, and mobilize resources to shift from reactive emergency response to proactive resilience building. It establishes coordination platforms at regional and national levels to jointly develop and implement multi-sectoral resilience strategies. IDDRSI has led to increased investment in resilience projects, strengthened capacity and knowledge sharing, and aims to institutionalize its comprehensive approach across levels of governance.
This document describes the "Caisses de Resilience" (CdR) approach, which aims to enhance community resilience in Africa. The CdR approach strengthens social, technical and financial capacities of rural communities through community-managed savings and loans schemes linked to sustainable agriculture and nutrition practices. It has been implemented in several countries in Africa. The approach empowers smallholder farmers and women's groups through increased access to loans and training to diversify livelihoods and better manage risks. Implementation of the CdR approach requires engagement of local partners over a period of 2-3 years.
RDRS has been working in northwest Bangladesh since 1972 to support empowerment of the rural poor. A key part of their strategy is engaging women in agriculture through various programs and initiatives. They formed women's farmer groups in 1983 and have since promoted gender equality and women's participation in all programs. Their seed production programs involving union federations have helped disseminate improved seeds and involve women farmers in production and marketing. More recently, they have established Farmers Hubs to provide services like inputs, advisory support, and product aggregation to link farmers, especially women, to markets. The Farmers Hubs are managed through the established local union federations to ensure sustainability and community support.
This document summarizes a panel discussion from the 2013 Rotary International Convention on partnerships between Rotary, Mercy Ships, and other organizations to improve maternal and child health in western Africa. It discusses how Rotary and Mercy Ships have collaborated on medical service trips and vocational training teams. It also profiles the Aga Khan University's work in maternal and child health in developing countries, and their shared goals with Rotary to build capacity and address the region's health challenges.
UNDP Support to Climate Change Adaptation Advancing Climate Resilient Livelih...ExternalEvents
The slides look at UNDPs work on resilience and climate change adaptation: training and technology, strengthening policies, institutions, capacities and knowledge and supporting the NAP process.
The presentation was made by Srilata Kammila, Regional Technical Specialist with UNDP on Day 1 of the Integrating Agriculture in National Adaptation Plans Workshop from the 5-7 April 2016, Rome, Italy
Joseph Alaban from RIMANSI Organization for Asia and the Pacific, Inc speaks about Microfinance and Micro-insurance. (Jan 30, PACAP Community Development Forum: Microfinance Amidst the Global Financial Crisis)
Group 04 chapter seven (bringing disaster risk management to the local level)FarahShamimaSultana
Disaster risk management is a crucial issue for recent time. This study represents the local level involvement of disaster risk management and risk reduction
It gives u a brief details about what is micro finance, how it works, y there is need for such institutions, the NGO's involved and the different types of MFI involved. the steps taken by India for micro finance.
This document provides an introduction to the Professional Certificate in Microfinance Module 1. It begins with introductions and house rules from the facilitator. It then provides an overview of the instructor's profile and qualifications. The document outlines the module objectives to understand the nature, history, demand, supply and products of microfinance as well as a new taxonomy. It provides background on defining microfinance by products/needs focus, target market and market focus. It discusses the social mission and performance of microfinance institutions. It then gives a brief history of microfinance globally and the origins and success of Grameen Bank in Bangladesh.
Microfinance refers to small-scale financial services like credit and deposits provided to low-income individuals who lack access to traditional banking services. It aims to help the poor become self-sufficient through saving, borrowing, and insurance. While banks are reluctant to serve these clients due to high costs and lack of collateral, microfinance fills this gap by providing small, affordable loans. Groups like self-help groups and microfinance institutions have successfully delivered microcredit in countries like India and Bangladesh, achieving repayment rates over 95% and helping many escape poverty. However, some criticize that microfinance benefits the moderately poor more than the destitute and can lead to over-indebtedness if not implemented responsibly.
This document presents information on microfinance in India. It discusses how microfinance provides financial services like credit, savings and insurance to poor individuals. It notes that microfinance aims to improve livelihoods through capital provision. The document provides statistics on microfinance in India and outlines the roles of various regulatory bodies. It discusses self-help groups and their importance in poverty alleviation. It also examines the role of banks in providing assistance to microfinance institutions and some problems faced by these institutions. Finally, it proposes various solutions and concludes by emphasizing the potential of self-help groups and microfinance to reduce poverty in India.
This document provides an overview of microfinance in India. It defines microfinance and its key features. It discusses the evolution of microfinance in India since the 1970s. It describes the different models of microfinance delivery including self-help groups (SHGs), joint liability groups (JLGs), microfinance institutions (MFIs), and the priority sector lending framework. It summarizes the recommendations of the Malegam Committee on regulating the microfinance sector in India. Finally, it provides some statistics on the growth and current status of microfinance in India.
SAKHI raises capital through:
1. Loans from Friends of Women World Bank at an annual interest rate of 13.5%
2. Group guarantees followed by center guarantees for loans provided to members
3. Upfront loan processing fees of 2% charged to borrowers
SAKHI provides microloans ranging from Rs. 3,000 to Rs. 15,000 to economically disadvantaged individuals through a systematic organizational structure and loan disbursement process.
This document is a research project report submitted in partial fulfillment of an MBA degree. It examines the impact of microfinance on the living standards, empowerment and poverty alleviation of poor women in North India. The report includes a declaration by the student, acknowledgements of those who assisted and supervised the project, and an introduction providing context on microfinance and its goals. It also outlines the chapters to follow, which will cover a literature review on previous research conducted on microfinance and its effects, as well as subsequent chapters analyzing and discussing the results of the student's case study research.
This document provides an overview of microfinance in India. It discusses how microfinance provides financial services to low-income individuals who lack access to traditional banking. It notes examples like Mrs. Bharti who was able to start a sewing business after getting a microloan. The document also discusses challenges in the microfinance sector like steady access to capital, heavy dependence on banks/financial institutions, and political sensitivity around interest rates charged. Overall, the document aims to introduce microfinance and its role in empowering the poor in India.
Presentation made by Annette Houtekamer (Business Development Manager, ACHMEA, Netherlands) at the 6th ICMIF Development Network Seminar (1-2 November 2012; Nairobi, Kenya)
This document presents a case study on developing a long-term strategy to combat health care problems among underprivileged people in India. It identifies key problems such as a focus on curative rather than preventive care, illiteracy, poor nutrition, children's workloads, and a lack of involvement from schools. Immediate responses proposed include using mobile health applications, organizing health camps, and encouraging collaborative efforts between different actors. The long-term strategy focuses on preventive health services, improving infrastructure and services through increased resources and public-private partnerships, empowering local governments, implementing community-based health insurance, and generating resources through targeted philanthropy programs. Roadblocks to implementation are also addressed.
Agriculture Cooperatives’ Contribution to Improvement of Community Life in Pa...jo bitonio
This document summarizes a study on the contributions of agriculture cooperatives to improving community life in Pangasinan, Philippines. The study examined 13 cooperatives and found they provide various social and economic interventions. Socially, they offer scholarships, capacity building, medical services, and insurance. Economically, they provide grocery stores, employment, and livelihood training. The cooperatives contribute to communities by being adaptable, effective, significant, financially viable, and sustainable. They empower marginalized groups like women by providing capital and business opportunities. The study concludes cooperatives play a crucial role in local social and economic development through their various interventions. It recommends strengthening monitoring, developing comprehensive plans, and forging partnerships to help cooperatives better support
Mercy Corps is an international humanitarian organization that has provided $1.5 billion in assistance to over 106 countries since 1979. The presentation discusses Mercy Corps' Agri-Fin Mobile program, which aims to improve incomes for smallholder farmers through sustainable business models that bundle mobile apps and financial services. Specifically, the program partners app providers and banks to provide farmers access to markets, technical information, and financial services via their phones. The program has already reached over 140,000 farmers across 3 countries.
Debalkew BERHE "The IGAD Drought Disaster Resilience and Sustainability Initi...Global Risk Forum GRFDavos
Dr. Debalkew Berhe presented on IDDRSI as an international, regional, national, and local strategic policy framework to end drought emergencies in the Horn of Africa region. IDDRSI aims to enhance partnerships, improve coordination and common programming across levels, and mobilize resources to shift from reactive emergency response to proactive resilience building. It establishes coordination platforms at regional and national levels to jointly develop and implement multi-sectoral resilience strategies. IDDRSI has led to increased investment in resilience projects, strengthened capacity and knowledge sharing, and aims to institutionalize its comprehensive approach across levels of governance.
This document describes the "Caisses de Resilience" (CdR) approach, which aims to enhance community resilience in Africa. The CdR approach strengthens social, technical and financial capacities of rural communities through community-managed savings and loans schemes linked to sustainable agriculture and nutrition practices. It has been implemented in several countries in Africa. The approach empowers smallholder farmers and women's groups through increased access to loans and training to diversify livelihoods and better manage risks. Implementation of the CdR approach requires engagement of local partners over a period of 2-3 years.
RDRS has been working in northwest Bangladesh since 1972 to support empowerment of the rural poor. A key part of their strategy is engaging women in agriculture through various programs and initiatives. They formed women's farmer groups in 1983 and have since promoted gender equality and women's participation in all programs. Their seed production programs involving union federations have helped disseminate improved seeds and involve women farmers in production and marketing. More recently, they have established Farmers Hubs to provide services like inputs, advisory support, and product aggregation to link farmers, especially women, to markets. The Farmers Hubs are managed through the established local union federations to ensure sustainability and community support.
This document summarizes a panel discussion from the 2013 Rotary International Convention on partnerships between Rotary, Mercy Ships, and other organizations to improve maternal and child health in western Africa. It discusses how Rotary and Mercy Ships have collaborated on medical service trips and vocational training teams. It also profiles the Aga Khan University's work in maternal and child health in developing countries, and their shared goals with Rotary to build capacity and address the region's health challenges.
UNDP Support to Climate Change Adaptation Advancing Climate Resilient Livelih...ExternalEvents
The slides look at UNDPs work on resilience and climate change adaptation: training and technology, strengthening policies, institutions, capacities and knowledge and supporting the NAP process.
The presentation was made by Srilata Kammila, Regional Technical Specialist with UNDP on Day 1 of the Integrating Agriculture in National Adaptation Plans Workshop from the 5-7 April 2016, Rome, Italy
Joseph Alaban from RIMANSI Organization for Asia and the Pacific, Inc speaks about Microfinance and Micro-insurance. (Jan 30, PACAP Community Development Forum: Microfinance Amidst the Global Financial Crisis)
Group 04 chapter seven (bringing disaster risk management to the local level)FarahShamimaSultana
Disaster risk management is a crucial issue for recent time. This study represents the local level involvement of disaster risk management and risk reduction
Partnerships for financing climate risk protection in Viet NamUNDP Climate
High-level inter-ministerial workshop held in Hanoi June 6-7, 2017 hosted by the Ministry of Agricultural Development (MARD) of Viet Nam and supported under the Integrating Agriculture in National Adaptation Plans (NAP-Ag) Programme. The meeting was attended by over 75 national and provincial level government officials, including MONRE, MARD, MPI and the Ministry of Finance (MOF), UN and development partners, private sector representatives including insurance companies, as well as non-governmental organisations.
NABARD formulated Rs. 4,180 crore credit plans for Jammu and Kashmir to boost agriculture. The document discusses agricultural extension, defining it as transferring knowledge and technology from laboratories to farmers. It highlights demand-driven extension that provides services meeting farmer needs. Future extension aspects include evolving extension systems, web-enabled dissemination, and promoting agriculture as a profitable venture. Technology is bridging the gap between research and farmers by establishing teaching organizations.
This document is a resume for Mahanthesha H K, who is seeking a senior management position. It summarizes his experience over 17+ years working for NGOs and on CSR projects in areas like agriculture, water and sanitation, health, education, and rural development. It outlines his roles managing large projects and teams, and highlights his strengths in collaboration, capacity building, and achieving results.
Building capacity for pro-poor responses to wildlife crime in Uganda: scouts ...IIED
This presentation was prepared Geoffrey Mwedde, projects manager, Uganda Country Programme, Wildlife Conservation Society. It provides information on the wildlife scout review of the project ‘Building capacity for pro-poor responses to wildlife crime in Uganda’.
The presentation was prepared for the final workshop of the project, which took place in Kampala in the first week of April 2017. The project was funded by the UK Government’s Illegal Wildlife Trade Challenge Fund from April 2014 to March 2017. It aimed to:
• Understand the current state of wildlife crime in Uganda, and investigate the underlying drivers of this crime
• Investigate the preferences of local people and conservation staff for different types of interventions aimed at addressing wildlife crime, and assess the likely impact of
• These interventions on local people’s attitudes and behaviour, and
• Develop new or improved approaches to increase the capacity of the Uganda Wildlife Authority (UWA) to tackle wildlife crime more efficiently and effectively.
More information: https://www.iied.org/building-capacity-for-pro-poor-responses-wildlife-crime-uganda
The Umbrella Programme for Natural Resource Management (UPNRM) was implemented by NABARD, KfW Development Bank, and GIZ to address challenges faced by India's rural poor, including poverty, lack of long-term investment in agriculture, and insufficient natural resource management projects. UPNRM provides loans and technical support to financially viable and ecologically sustainable projects focused on reducing poverty, increasing farm incomes, and conserving natural resources. Since 2008, UPNRM has benefited over 300,000 rural Indians, expanded its portfolio to €61 million across 21 states, and supported sustainable agriculture techniques that have increased yields and conserved water.
PlaNet Guarantee is an insurance broker that develops innovative insurance products tailored to the needs of populations excluded from traditional insurance. It has developed index-based agricultural insurance programs in multiple countries in West Africa to protect farmers against risks from climate events. The programs use satellite data and weather station information to automatically payout claims indexed to measures like rainfall levels. This stabilizes farmers' incomes and the broader agriculture sector by securing access to credit, investment, and markets. Partnerships with local insurers, reinsurers, banks, microfinance institutions, and farmer cooperatives facilitate the distribution and management of the insurance programs. [/SUMMARY]
Similar to Mutual's answer to the partner agent model (20)
Tieto is the largest Nordic provider of IT services and product development. It has over 2,200 consultants serving 50+ Nordic customers and a strategic location in India for full lifecycle IT services. Tieto developed Uplift, a micro-insurance solution called UTTAM, for mutual organizations in 2004-2005. UTTAM was designed as a web-based, cloud solution to scale operations across geographies and reduce costs while focusing on health insurance. It was rolled out in Rajasthan and Maharashtra in 2012-2015, improving efficiency by 48% and reducing costs by 20%. The journey continues with UTTAM's expansion on mobile platforms.
Value addition and new innovations in Micro Insurance
by H.M.R.M.Herath,
Senior Manager –IR, Sanasa Insurance Company Limited,
AOA 30th Anniversary Seminar
Colombo, Sri Lanka, August 2014
Cooperative Insurance as a Mitigation Device against Natural DisasterICMIF Microinsurance
Cooperative Insurance as a Mitigation Device against Natural Disaster - Zenrosai’s Natural Disaster Insurance
By Katsuhiro Sampa, Zenrosai
AOA Seminar
Colombo, Sri Lanka. August 2014
Can mutual microinsurance improve the living standard of the marginalized gro...ICMIF Microinsurance
Can mutual microinsurance improve the living standard of the marginalized groups?
By Sabbir Patel, Senior Vice-President, Emerging Markets, ICMIF
AOA Seminar
Colombo, Sri Lanka, August, 2014
Shepherd is a social organization in Tamil Nadu, India that works with 70,000 low-income families through women's self-help groups. It started a micro health insurance program in 1999 after several women died and many homes were destroyed. The organization promotes community-based health mutual funds where contributions are split between claims, operating costs, and a claims reserve. The mutual funds are managed by women leaders and provide timely support. However, uptake is still low and there are challenges in scaling due to government programs, regulations, and reluctance of other organizations. The organization aims to expand coverage and establish the mutual program as a core part of its work.
Why, how and what impact mutual insurance can improve the living standard of ...ICMIF Microinsurance
Why, how and what impact mutual insurance can improve the living standard of the marginalized groups
By Oliver M. Reyes, CARD MBA, Philippines
AOA Seminar,
Colombo, Sri Lanka, August 2014
Can mutual Microinsurance improve the living standard of the marginalized gro...ICMIF Microinsurance
Can mutual Microinsurance improve the living standard of the marginalized groups? The Sanasa Experience
By L. B. Abeysinghe, SICL
AOA 30th Anniversary Seminar
Colombo Sri Lanka. August 2014
CARD MRI has developed several mutual reinforcing institutions to help its members, including basic life insurance, retirement savings, loan redemption funds, disaster housing insurance, and disaster relief assistance. In 2013, over 300,000 CARD families were affected by disasters. In response, CARD MRI immediately resumed operations and provided rehabilitation loans, loan moratoriums, livelihood training, disaster preparedness education, and health services to build community resilience. To handle risks and uncertainties, CARD MRI is pursuing reinsurance and increasing liquidity reserves and new product development. Information used includes client data, market characteristics, and operational data, while information needed includes more microinsurance industry data and access to macro-level third party data.
The document commemorates the 50th anniversary of the ICMIF Development Function, which works to expand access to insurance for low-income people globally. It references a quote from 1958 about how struggles in distant places directly impact our own welfare, reflecting the goal of development work to reduce misery everywhere.
Developing an inclusive policy on Microinsurance Regulation: The Kasagana-ka ...ICMIF Microinsurance
This presentation was delivered by Ms Maria Anna Ignacio (Executive Director at KDCI/ KMBA, The Philippines) at the ICMIF-AOA Development Network Seminar (18-20 September 2013; Manila, The Philippines)
ADB's support for Emerging Microinsurance under JFPR9118: “Developing Microin...ICMIF Microinsurance
This presentation was delivered by Mr Hiroyuki Aoki (Senior Financial Sector Specialist-SERD/ SEPF at Asian Development Bank, The Philippines) at the ICMIF-AOA Development Network Seminar (18-20 September 2013; Manila, The Philippines)
Microinsurance Policy and Regulatory Reform Initiatives: The PhilippinesICMIF Microinsurance
This document outlines the development of microinsurance policy and regulation in the Philippines. It describes how initially there was an absence of clear policy and regulations for microinsurance, leading to inappropriate products. Reforms began in 2006 with guidelines for mutual benefit associations (MBAs) to offer microinsurance. By 2012, 35 commercial insurers and 19 MBAs were offering microinsurance, covering over 12 million individuals. Lessons learned included how clear, consistent rules and regulations provide transparency and predictability to build trust, while financial literacy and localized dispute mechanisms also promote outreach and access to insurance.
This presentation was delivered by Dr Aris Alip (Managing Director at CARD MRI, The Philippines) at the ICMIF-AOA Development Network Seminar (18-20 September 2013; Manila, The Philippines)
This presentation was delivered by Ms Virginia Sto. Nino (MBA Coordinator at ASKI MBA, The Philippines) at the ICMIF-AOA Development Network Seminar (18-20 September 2013; Manila, The Philippines)
1. Mutual’s answer to the
partner agent model
November 2, 2012
S.Balasubramanian
DHAN Foundation
2. • DHAN Foundation is a premier NGO of India working with over one
million families in 10,000 villages and slums in 12 states – Tamil
Nadu, Andhra Pradesh, Karnataka, Orissa, Madhya Pradesh,
Jharkhand, Kerala, Assam, Maharasthra, Bihar, Rajasthan and
Pondicherry - in more than 220 locations (panchayat unions / blocks)
with about 400 professionals working at the grass roots
• The insurance program has genesis in DHAN since 1992.
•The insurance has been accessed to over one million poor with
different risk covers – Life, health, livestock, crop and pension
(longevity risk)
•The insurance is accessed through collaboration with mainstream
insurers and mutual solutions
3. Kalanjiam Community Banking Program
Tank fed Agriculture Development Program
Coastal Conservation and Livelihood Development
program
Rainfed Agriculture Development Program
Tata-Dhan Academy- Development Management
Education
Information Communication Technology for poor
Democratizing Panchayat
Climate change adaptation
Migration and development
Youth and development
Heritage Tourism
4. Community Banking Programme
Promote alternative
financial services and
mechanisms at the
grassroots level for poor
women
12. People Mutuals is the insurance initiative of DHAN
Foundation
People institution promoted by federations of poor
Separate entity to implement the insurance
programme for poor organized by DHAN
Programmes
Supported by Oxfam Novib, Rabobank Foundation
and Achmea Foundation
13. • Collaboration with mainstream insurers
• Mutual solutions
•Hybrid approach - Accessing mainstream insurance products
and mutual solutions for the gaps in the mainstream products.
15. •Commercial insurers together with MFIs / NGOs as partner agents
•Insurers utilize agent’s delivery mechanism to provide sales and basic services to
clients
•There is no risk retention and limited administrative burden for agents
•The insurer absorbs the risk
•The agent markets the product through its established network.
•Lowers the cost of distribution and thus promotes affordability.
•win-win situation: The distribution potential of the MFI with the institutional capacity of
an established insurer
•MFI itself will not place any risk on its loan portfolio
•Leverage potential: The insurance company may be able to reinsure part of its exposure
•Possible disadvantage: Insurance products too mechanically down streamed to the
poor.
•New concept of “micro-insurance agent ” in India, in addition to insurance agent /
corporate agent / insurance broker
•Micro-insurance agent can be NGO / SHG / MFI
•Micro-insurance agent can be appointed by an insurer by entering into a deed of
agreement
16. •Local communities, MFIs, NGOs and/or cooperatives
•Develop and distribute the product, manage the risk pool and absorb the risk.
•There is no involvement on the part of commercial insurers.
•The policyholders own and manage the insurance program, and negotiate i.e., with
external health care providers under health insurance
•Essential features:
•Voluntary membership
•Based on groups possessing common characteristics (members of a same
organization, villages, etc.)
•Promotion of solidarity, democracy, social cohesion, etc.
•Improve access to insurance through risk-sharing/resource pooling
•Not-For-Profit
•Mutual interest organizations (owners/ deciders/policyholders = members). Which
implies:
•Participation mechanisms (design of the insurance product and organizational
options)
•Control mechanisms (organizational and financial)
•Pro poor / member systems and processes. Example: Under health insurance, no
medical-based selection of the members
17. Appropriateness of Mutual Insurance
•No mainstream product in tune with the needs
•Lack of appropriate systems and processes
•For small and frequent risks
•Existence of strong social capital
18. Co-existence of mutual and commercial
insurance
•Assessing the insurance needs of members
•Negotiating and accessing appropriate
mainstream insurance products
•Mutual insurance to address the gaps
For covering the risks of members in entirety
19. Co-existence of mutual and commercial
insurance
Life insurance:
- DHAN’s experience
•Life risk cover up to 60 years – Mainstream insurance
•Life risk cover ≥ 60 years – Mutual insurance
Health insurance:
•Hospitalisation care cover – Mainstream insurance
•Primary care cover – Mutual insurance
Only mutual insurance is possible, when there are lack of pro member products /
processes or both.
Example: Mutual insurance crop income insurance – Lack of pro member product
Livestock insurance – Lack of pro member processes
25. Challenges for mutual insurance
•Mostly operate in small geographies and with small
population of membership thus limiting the geographical
spread of risks and law of big members
•Initial zero levels of solvency funds
•Not with in the radars of regulation
Prohibits access to reinsurance and the claim payments would be
jeopardised if the initial years are bad, thus influencing the viability of
insurance operations and the programme sustainability