This document discusses the regulation of microinsurance in the CIMA zone of Africa. CIMA (Inter-African Conference of Insurance Markets) regulates insurance markets in two economic zones - UEMOA and CEMAC. It presents the key stakeholders in microinsurance like MFIs, insurance companies, health mutuals and populations. The document compares the CIMA regulation and UEMOA regulation for microinsurance, noting differences in legal structures, capital requirements, lines of business and other aspects. It concludes by discussing perspectives like some MFIs continuing self-insurance despite bans, creating insurance companies, need for realistic regulations for small mutual organizations.
Нужна ли анонимность демократическому информационному обществу? Е.А. РоговскийSofya Grunyushkina
по мере насыщения общества информационными технологиями, развития ИКТ-бизнеса, в т. ч. услуг «business intelligence», для конфиденциальности в обществе просто не остаётся свободного места.
Key issues in the licensing, supervision and regulation of microinsurance and...ICMIF Microinsurance
This presentation was delivered by Ms Andrea Keenan (Vice-President-Research and Ratings Criteria Relations & Training at AM Best, USA) at the ICMIF-AOA Development Network Seminar (18-20 September 2013; Manila, The Philippines).
A Christian Entertainer has to possess sharp wit and has to understand his audience very well. Besides this, dedication is very much required. Initially, it may seem to be a tough task but with practice and hard work, one can have expertise on it.
Нужна ли анонимность демократическому информационному обществу? Е.А. РоговскийSofya Grunyushkina
по мере насыщения общества информационными технологиями, развития ИКТ-бизнеса, в т. ч. услуг «business intelligence», для конфиденциальности в обществе просто не остаётся свободного места.
Key issues in the licensing, supervision and regulation of microinsurance and...ICMIF Microinsurance
This presentation was delivered by Ms Andrea Keenan (Vice-President-Research and Ratings Criteria Relations & Training at AM Best, USA) at the ICMIF-AOA Development Network Seminar (18-20 September 2013; Manila, The Philippines).
A Christian Entertainer has to possess sharp wit and has to understand his audience very well. Besides this, dedication is very much required. Initially, it may seem to be a tough task but with practice and hard work, one can have expertise on it.
Microinsurance Initiatives Powerpoint Presentation Diamond Hotel 01 27-12Itoy Almario
Highlights current microfinance initiatives undertaken by the Philippine Government to promote access to microinsurance by the low income and informal sectors of society. Presented during the Advocacy Seminar on Microinsurance held on January 27, 2012 at the Diamond Hotel, Manila.
Luis Huerta (Seguros Argos) and Mary Yang (Microinsurance Innovation Facility, ILO) present on the topic of Private Sector Insurers and Microinsurance in Tallinn, Estonia – May 2009.
Main findings of the study conducted on Microinsurance in the CIMA zoneICMIF Microinsurance
Presentation made by Laurent Bernard (Microinsurance Advisor, DID, Canada) at the 6th ICMIF Development Network Seminar (1-2 November 2012; Nairobi, Kenya)
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
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)
Microinsurance Initiatives Powerpoint Presentation Diamond Hotel 01 27-12Itoy Almario
Highlights current microfinance initiatives undertaken by the Philippine Government to promote access to microinsurance by the low income and informal sectors of society. Presented during the Advocacy Seminar on Microinsurance held on January 27, 2012 at the Diamond Hotel, Manila.
Luis Huerta (Seguros Argos) and Mary Yang (Microinsurance Innovation Facility, ILO) present on the topic of Private Sector Insurers and Microinsurance in Tallinn, Estonia – May 2009.
Main findings of the study conducted on Microinsurance in the CIMA zoneICMIF Microinsurance
Presentation made by Laurent Bernard (Microinsurance Advisor, DID, Canada) at the 6th ICMIF Development Network Seminar (1-2 November 2012; Nairobi, Kenya)
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
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)
Community based livestock insurance case studyCIRM
CIRM published a Case Study on An Exploration - Community Based Livestock Insurance Scheme, Vizianagaram demonstrating that community based models (CBM) can help reduce frauds, moral hazard, and transaction costs.
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
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
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 presentation was delivered by Mr Joselito Almario (Deputy Executive Director at DOF-NCC, The Philippines) at the ICMIF-AOA Development Network Seminar (18-20 September 2013; Manila, The Philippines)
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)
Key issues in the licensing and supervision of microinsurance in CambodiaICMIF Microinsurance
This presentation was delivered by Mr Mey Vann (Director at Financial Industry Department, Cambodia) at the ICMIF-AOA Development Network Seminar (18-20 September 2013; Manila, The Philippines).
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
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Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
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Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
9. Portrait
• Principal risk holders
– Associations
– Non Governmental Organizations (NGO)
– Microfinance Institutions (MFI)
– Insurance companies
– Health Mutuals
– Populations
– Government
10. Portrait
• Risks covered
– Health insurance : health care, hospitalisation,
critical illness …
– Life insurance : credit-insurance, term life, total
and permanent disability and accidental death
– Casualty insurance: house, car, stock, …
– Agricultural insurance: fishing, livestock, crop,
harvest, …
12. Portrait: for the CIF
3,640
4,270
4,536
4,958
329 372 439 474
2008 2009 2010 2011
Primes (000 €) Nombre de contrats (000)Premium (000 €) Number of contracts (000)
13. Regulation of insurance in the
CIMA zone
• The « Inter-African Conference of Insurance
Markets » (CIMA) is the regulator body of the
insurance market in 2 economic zones in
Africa:
“Economic and Monetary Union of West Africa
(UEMOA)”
15. Regulation of insurance in the
CIMA zone
• The « Inter-African Conference of Insurance
Markets » (CIMA) is the regulator body of the
insurance market in 2 economic zones in
Africa:
“Economic and Monetary Community of
Central Africa (CEMAC)”
17. Regulation of microinsurance
• Two laws govern the activity of microinsurance
– Regulation No. 07/2009/CM/UEMOA dealing
with rules of social mutuality within the UEMOA
– Regulation CIMA/PCMA/PCE/2012 on
microinsurance operations in member states of
the CIMA
18. CIMA Regulation versus
UEMOA Regulation
CIMA Regulation UEMOA Regulation
Legal status Limited Corporation
Mutual
Social mutual non for
profit
Social capital or
funds
Limited Corporation: 762,245 €
Mutual : 457,347 € -
Authorization Approval of the Minister of
Economy and Finance (Validation
of the project by CIMA)
Approval by the
Minister in charge of
social mutuality
Branch Non-life (Casualty): Personal
injury, illness, loss of crops, loss of
livestock, fishing, Other agricultural
insurance
Damage to property
Life: Life, savings, retirement,
disability
Health care, medico-
social or cultural
services
Economic activities to
improve the living
conditions of
members.
19. CIMA Regulation versus
UEMOA Regulation
CIMA Regulation UEMOA Regulation
Minimum
numbers of
members
Limited corporation: nil
Mutual : 500 members
Distributors, int
ermediaries
Requirement to obtain a
professional license issued by the
Ministry in charge of insurance
-
20. CIMA Regulation versus
UEMOA Regulation
• CIMA regulation is therefore a supranational law that
repeals all existing legislation including the CIMA
Regulation
• UEMOA states continue to promote the UEMOA
Regulations in contradiction with the CIMA Regulation
• The Health Mutuals in the UEMOA zone complies with
UEMOA rules
• Law on Decentralized Financial Systems (DFSs)
prohibits DFSs to carry on the business from another
category without prior approval, including regulated
insurance activities
21. Perspectives
• Continuation of self-insurance activities by some MFIs
despite bans (Central Bank and CIMA)
• Creating insurance company by some MFIs (case for
the RCPB in Burkina Faso with the participation of
technical and financial partners, ....)
• Organization of Decentralized Financial Systems inside
their professional structure to establish a common
insurance company
• Signed distribution agreement with licensed
companies (ex: agreements with Allianz Life), and in
progression with societies CIF-VIE
22. Perspectives
• Business continuity for some Health Mutual under
the UEMOA regulation
• Approval conditions under CIMA Regulation
inaccessible for small-size structures
• Small-size Mutual dissolution under CIMA
Regulation
• Need for UEMOA and CIMA to offer a realistic
settlement