A holistic and systematic approach to market development can overcome barriers to serving insurance to the low-income population. Collaboration between supervisors/regulators, industry players, policy makers, and donors is already showing positive results in some countries.
This joint webinar organized by the ILO's Microinsurance Innovation Facility, together with the Access to Insurance Initiative, discussed inclusive insurance market development. Ithighlighted activities by supervisors through the International Association of Insurance Supervisors (IAIS) and industry players. It took inspiration from achievements in Zambia and in the Philippines to consider potential strategies for enhancing inclusive insurance markets.
Kedaulatan Cyber NKRI di Era Dunia yang Serba Terhubung (globally-networked)Mastel Indonesia
Berpadunya teknologi telekomunikasi, internet, dan penyiaran, telah mendorong munculnya infrastruktur ekonomi baru yang disebut dengan Jaringan Broadband. Manfaat dari keberadaan jaringan broadband bagi peningkatan kualitas kehidupan sosial dan ekonomi suatu bangsa kiranya tidak perlu dibahas lagi dalam naskah ini. Sisi lain yang amat perlu dipahami adalah bahwa saat jaringan broadband domestik tersambung dengan jaringan broadband global, seluruh aset nasional dapat menjadi terhubung (networked) ke jaringan global. Keterhubungan global ini membentuk dunia baru Cyber-World yang memindahkan kehidupan tatap-muka atau temu fisik menjadi kehidupan Online. Keterhubungan ini memberi banyak kemudahan, namun juga membawa kerentanan dan ancaman baru, yaitu ancaman kedaulatan Cyber.
Fujitsu Glovia, Inc. :: Solving Unique Requirements of Automotive Suppliers w...Fujitsu Glovia, Inc.
As a manufacturer in the automotive industry, your needs have grown more complex and increasingly urgent. You must manage a rapidly growing product base. You must respond to customer demands quickly and accurately. You must gain visibility into all your operations and synchronize your supply chain. You must also provide immaculate service.
The automotive industry is experiencing changes like no other. Gasoline to electric engines, user/driver features to self-driven automobiles (smart cars) and so on. Research being done creating and supporting these changes is greater than ever before. Regardless of the ‘Tier’ within the supply chain, auto manufacturers must be responsive to these changes.
The flexibility and adaptability of GLOVIA G2 will allow you to manage and improve every aspect of your business with one proven solution to meet today’s business needs and to support your system needs as your company, products and industry grow and change.
Sherborn: Evenhuis - Charles Davies Sherborn and The Indexer’s ClubICZN
Charles Davies Sherborn was an indexer. And he followed a long line of indexers. And a longer line of indexers followed him. They/we are all members of “The Indexer’s Club”. A club of obsessed individuals who, for some weird reason, find it necessary to not only facilitate a semblance of order, but to make sometimes incredibly huge amounts of information available to others [sacrificing their social lives and labouring on what spouses and colleagues may consider esoteric projects in order to save others from the same work]. And in doing so, encumbering most of the day and the wee hours of the night with a passion and fervour few other human beings can even begin to understand. This presentation will explore the bits of Sherborn’s life that led to that passion for indexing; and touch upon the impact he has had on bibliographies and researching the dates of publication; upon nomenclature; and upon the indexing of names — and it will attempt to explain why he did this and where we all can go as a result.
A holistic and systematic approach to market development can overcome barriers to serving insurance to the low-income population. Collaboration between supervisors/regulators, industry players, policy makers, and donors is already showing positive results in some countries.
The Facility, together with its partners FSDA and AFD, organized a webinar on "Making change happen within insurers".
In this webinar, we highlighted the change management activities of two partners - AXA Mansard (Nigeria) and SUNU Assurances (Cote D'Ivoire). It also outlined FSDA and ILO's change management framework and step-by-step process.
The presenters discussed activities, results and lessons that will be helpful to other organizations that wish to go through a similar change process.
Presenters: Omosolape Odeniyi (AXA Mansard), Gildas N'Zouba (SUNU Assurances) and Paul Musoke (FSDA). Moderator: Aparna Dalal (the ILO's Impact Insurance Facility).
‘An overview of the insurance sector in the Pacific and recent initiatives’ UNDP Climate
Presented by Michael Carr, Chartered Insurer Regional Inclusive Insurance Specialist, The Pacific Financial Inclusion Programme at the Pacific Regional Dialogue on Financial Management of Climate Risk (26-28 June 2017, Apia)
The WBG's Global Index Insurance Facility, the USAID and BASIS/I4-sponsored Global Action Network (GAN) and the ILO's Impact Insurance Facility organised a webinar to look into the question "Customer education in agriculture insurance". This webinar featured resource persons both from implementing organizations and international development players. They looked into consumer education roles of different players in the insurance value chain, discussed issues arising at both micro (individual farmers) and meso (community) levels, and showcased some interventions on how consumer education is undertaken.
Speakers: Lory Camba Opem (International Finance Corporation), Brenda Wandera (International Livestock Research Institute, Kenya) and Navin Sharma (ICICI Lombard General Insurance Company, India).
Kedaulatan Cyber NKRI di Era Dunia yang Serba Terhubung (globally-networked)Mastel Indonesia
Berpadunya teknologi telekomunikasi, internet, dan penyiaran, telah mendorong munculnya infrastruktur ekonomi baru yang disebut dengan Jaringan Broadband. Manfaat dari keberadaan jaringan broadband bagi peningkatan kualitas kehidupan sosial dan ekonomi suatu bangsa kiranya tidak perlu dibahas lagi dalam naskah ini. Sisi lain yang amat perlu dipahami adalah bahwa saat jaringan broadband domestik tersambung dengan jaringan broadband global, seluruh aset nasional dapat menjadi terhubung (networked) ke jaringan global. Keterhubungan global ini membentuk dunia baru Cyber-World yang memindahkan kehidupan tatap-muka atau temu fisik menjadi kehidupan Online. Keterhubungan ini memberi banyak kemudahan, namun juga membawa kerentanan dan ancaman baru, yaitu ancaman kedaulatan Cyber.
Fujitsu Glovia, Inc. :: Solving Unique Requirements of Automotive Suppliers w...Fujitsu Glovia, Inc.
As a manufacturer in the automotive industry, your needs have grown more complex and increasingly urgent. You must manage a rapidly growing product base. You must respond to customer demands quickly and accurately. You must gain visibility into all your operations and synchronize your supply chain. You must also provide immaculate service.
The automotive industry is experiencing changes like no other. Gasoline to electric engines, user/driver features to self-driven automobiles (smart cars) and so on. Research being done creating and supporting these changes is greater than ever before. Regardless of the ‘Tier’ within the supply chain, auto manufacturers must be responsive to these changes.
The flexibility and adaptability of GLOVIA G2 will allow you to manage and improve every aspect of your business with one proven solution to meet today’s business needs and to support your system needs as your company, products and industry grow and change.
Sherborn: Evenhuis - Charles Davies Sherborn and The Indexer’s ClubICZN
Charles Davies Sherborn was an indexer. And he followed a long line of indexers. And a longer line of indexers followed him. They/we are all members of “The Indexer’s Club”. A club of obsessed individuals who, for some weird reason, find it necessary to not only facilitate a semblance of order, but to make sometimes incredibly huge amounts of information available to others [sacrificing their social lives and labouring on what spouses and colleagues may consider esoteric projects in order to save others from the same work]. And in doing so, encumbering most of the day and the wee hours of the night with a passion and fervour few other human beings can even begin to understand. This presentation will explore the bits of Sherborn’s life that led to that passion for indexing; and touch upon the impact he has had on bibliographies and researching the dates of publication; upon nomenclature; and upon the indexing of names — and it will attempt to explain why he did this and where we all can go as a result.
A holistic and systematic approach to market development can overcome barriers to serving insurance to the low-income population. Collaboration between supervisors/regulators, industry players, policy makers, and donors is already showing positive results in some countries.
The Facility, together with its partners FSDA and AFD, organized a webinar on "Making change happen within insurers".
In this webinar, we highlighted the change management activities of two partners - AXA Mansard (Nigeria) and SUNU Assurances (Cote D'Ivoire). It also outlined FSDA and ILO's change management framework and step-by-step process.
The presenters discussed activities, results and lessons that will be helpful to other organizations that wish to go through a similar change process.
Presenters: Omosolape Odeniyi (AXA Mansard), Gildas N'Zouba (SUNU Assurances) and Paul Musoke (FSDA). Moderator: Aparna Dalal (the ILO's Impact Insurance Facility).
‘An overview of the insurance sector in the Pacific and recent initiatives’ UNDP Climate
Presented by Michael Carr, Chartered Insurer Regional Inclusive Insurance Specialist, The Pacific Financial Inclusion Programme at the Pacific Regional Dialogue on Financial Management of Climate Risk (26-28 June 2017, Apia)
The WBG's Global Index Insurance Facility, the USAID and BASIS/I4-sponsored Global Action Network (GAN) and the ILO's Impact Insurance Facility organised a webinar to look into the question "Customer education in agriculture insurance". This webinar featured resource persons both from implementing organizations and international development players. They looked into consumer education roles of different players in the insurance value chain, discussed issues arising at both micro (individual farmers) and meso (community) levels, and showcased some interventions on how consumer education is undertaken.
Speakers: Lory Camba Opem (International Finance Corporation), Brenda Wandera (International Livestock Research Institute, Kenya) and Navin Sharma (ICICI Lombard General Insurance Company, India).
Naim - Financing SMEs in global sustainable value chains: the role of supply ...OECD CFE
20-21 February 2018, Mexico City: Workshop on building business linkages that boost SME productivity. http://www.oecd.org/cfe/smes/workshop-on-building-business-linkages-that-boost-SME-productivity.htm
These slides were presented during the webinar on "Managing Partnerships in Microinsurance" conducted by the Facility on 1 March 2012. The webinar highlighted the stages of partnership, key points and strategies that can be used per stage, success factors and pitfalls, as well as real cases in partnership management.
A lecture presented by Chair Alexander Raquipo, SACDECO during the 2017 Cooperative Month Celebration at NSCC Plaza, Caoayan, Ilocos Sur, Oct. 30, 2017
Presentation given by George Muruka from MicroSave in Dar Es Salaam. It highlight the needs to conduct proper marketing activities before lauching sanitation-focused microfinance products. Sanitation can be a business case when customer needs and preferences are identified. The oresentation also includes Microsave's experience in supporting microfinance insitutions in Kenya in developing sanitation-related products.
As part of the global agenda of insuring for sustainable development, the Impact Insurance Facility (www.impactinsurance.org) and the PSI Initiative (www.unepfi.org/psi) are delighted to announce a six-part webinar series with the theme, “Making inclusive insurance work”. The first webinar focused on clients and impact metrics and was held on 9 November 2016.
Speakers: Geric Laude (CARD Pioneer Microinsurance, Philippines), Patrick Mommeja (Allianz Africa, France), Butch Bacani (UN Environment’s Principles for Sustainable Insurance Initiative, Switzerland) and Michal Matul (ILO Impact Insurance Facility (Switzerland). Moderator: Aparna Dalal (ILO's Impact Insurance Facility).
Dvara KGFS came into existence as a financial institution with a goal to cater to all the basic financial needs of rural customers of India. Dvara KGFS aspired to be a one-stop solution for customers' wealth creation and risk management requirements by providing a combination of credit, savings, investments or insurance solutions. After setting up a line of credit products--group, individual and mortgaged-backed loans, Dvara KGFS planned to add savings and investment products to its portfolio. It aimed to bring about a fundamental change in the mindset of its customers; which was to move from relying on credit to fulfill their financial goal to relying on savings and creating a financial plan to achieve those goals.
Dvara KGFS developed a data-driven algorithm that would recommend customized product packages to each customer based on their specific financial goal. Dvara KGFS also added investment and insurance products to their portfolio and piloted them through an integrated investment offering named Dvara Sampoorna Sampath Plan. The new product package was piloted in October 2019 and later rolled out in a phased manner across most of its branches reaching more than 5,000 customers to date.
Presenters: Nikhil AC, Head of Liability Products at Dvara KGFS, and Sandeep Kumar, ILO Social Finance Fellow at Dvara KGFS. Moderator: Aparna Dalal (Senior Technical Officer, Impact Insurance Facility).
When one thinks about risk management and finance, one immediately thinks about insurance. Insurance can be an effective way of managing risks that could otherwise result in large losses, which low-income people cannot cope with out of their cash flow or through the informal support of friends and relatives. To be most effective, however, insurance should be part of a broader range of financial services that includes savings, credit and money transfers, which together enable the working poor to manage a variety of risks.
To test new approaches, the ILO is currently working with partners in Asia to develop integrated risk management solutions. This webinar presents the experiences of four partners who are developing savings-linked risk management solutions to help members better manage risks related to health, calamity and life.
The featured partners include: KOMIDA, a non-profit MFI in Indonesia, Oro Integrated Co Operative (OIC) and Nabunturan Integrated Co Operative (NICO), two savings and credit cooperatives in the Philippines and CLIMBS, a cooperative insurance in the Philippines. The webinar presents lessons from the product development process and results from ongoing pilots.
Population coverage: from pilot to nationwide scale-up of the “NHIS mobile re...Impact Insurance Facility
On June 4, 2019, the Facility, in partnership with AFD and with support from the Joint Learning Network for Universal Health Coverage (JLN), organized a webinar on NHIS mobile renewal and digital authentication in Ghana.
The National Health Insurance Authority (NHIA) administers Ghana’s National Health Insurance Scheme (NHIS), which was established in 2003. Up until 2018, around 10.5 million scheme members needed to renew their membership annually and in person at a NHIA District Office. This time-consuming process deterred members from renewing and resulted in lapsed coverage. Partly as a result of these low renewal rates, the Scheme’s national penetration plateaued at around 40% of the population and remained roughly static from 2014 to 2018.
In 2017, the NHIA partnered with the ILO’s Impact Insurance Facility and started a project to digitize the renewal process, allowing members the option to renew their membership digitally on their mobile phones. Secondly, the project planned to establish the related systems for membership and identity verification at healthcare providers.
The project has been a huge success; following the launch of the mobile renewal platform by Dr Mahamudu Bawumia, Vice President of the Republic of Ghana, in December 2018 the number of renewals over the mobile phone has increased exponentially. As at March 2019, more than 65% of all renewals were taking place over the mobile phone.
The webinar is aimed at a wide local and international audience interested in learning more about digitizing operational processes that can lead to greatly enhanced efficiency. These solutions are applicable in both public and private sector contexts, and help to build scale.
Panelists of this webinar were Dr. Lydia Dsane-Selby (Chief Executive, NHIA Ghana), Mariam Musah (Senior Manager, Research, Policy, Monitoring & Evaluation, NHIA Ghana) and Shilpi Nanda (Impact Insurance Fellow alumna, NHIA Ghana). This webinar was moderated by Lisa Morgan (Technical Officer (Health Actuary), ILO).
Webinar on the first actuarial analysis of Pakistan’s Sehat Sahulat Programme...Impact Insurance Facility
Since 2015, Sehat Sahulat Programme (SSP), an initiative of Pakistan’s Federal, Provincial and Regional Governments, has been working to provide financial protection to poor families against catastrophic health expenditure. Towards the end of 2018, the SSP was operating in 38 districts of Pakistan, covering over 3.2 million families. The first of its kind in the country, the Programme provides inpatient care to those living below the poverty line of US $2 per day. Since inception, the Programme has been supported by GIZ.
The webinar is aimed at those interested in learning more about what actuarial analyses is in the context of a public health programme such as SSP, why it is important and how others can apply the same thinking in their analytical work.
Presentation of "Ten years, eight trends", a plenary discussion on ten years of inclusive insurance. Organized in partnership with Cenfri and discussed at the Impact Insurance Forum and the International Microinsurance Conference 2018, held in Lusaka, Zambia, on November 6, 2018.
On May 10, 2018, the Facility, in partnership with FSDA and AFD organized a webinar on "Putting client insights into practice". Though most insurers are collecting data about and from clients, they often struggle to put that information into practice in a way that makes sense for their business. During this webinar, we shared structures, processes and tricks of the trade that help successful companies to do so.
Presenters: Angela Madriz (BIMA Latin America), Osvaldo Gimenez (BIMA Paraguay), Saurabh Sharma (Britam Kenya) and Alice Merry (the ILO's Impact Insurance Facility). Moderator: Aparna Dalal (the ILO's Impact Insurance Facility).
The Facility and the Feed the Future Innovation Lab for Assets and Market Access (AMA Innovation Lab) at UC Davis, with support from EA Consultants, organised a webinar to officially present the "3-D" Client Value Assessment tool. Merging the Facility’s PACE tool with the AMA Innovation Lab’s calculations for Minimum Quality Standards for agricultural index insurance, this tool provides a multi-dimensional understanding of the value proposition for potential or existing clients. This webinar introduced the tool, outlined its relevance and application, and provided tips for practitioners and researchers on how to use it to assess the value of their products.
Presenters: Tara Chiu (Feed the Future AMA Innovation Lab at UC Davis), Coralie Martin (EA Consultants) and Pranav Prashad (the ILO's Impact Insurance Facility). Moderator: Aparna Dalal (the ILO's Impact Insurance Facility).
Webinar - Design Thinking as a strategy for innovation in Public Sector Healt...Impact Insurance Facility
The Facility and the Joint Learning Network for Universal Health Coverage organized a webinar on "Design Thinking as a strategy for innovation in Public Sector Health Schemes".
In this webinar, we showcased the successful application of Design Thinking to redesigning the renewal process for the National Health Insurance Scheme (NHIS) of Ghana.
Presenters: Dr. Lydia Dsane-Selby (NHIA Ghana), Shilpi Nanda (ILO Fellow with NHIA Ghana), David Hutchful (Design Thinking expert and co-founder of Bloom Impact) and Ashlee Tuttleman (Design Thinking expert and consultant). Moderator: Lisa Morgan (the ILO's Impact Insurance Facility).
Webinar on Providing insurance products to rural populations in West AfricaImpact Insurance Facility
On September 6, 2017, the Facility, together with its partners FSDA and AFD, organized a webinar on "Providing insurance products to rural populations in West Africa". During the webinar, we discussed the importance of knowing the profile of the rural clients in order to better adapt offers to the needs of these populations. We also reviewed the partnership and business models that are emerging to provide insurance products to rural populations and we discussed the importance of knowing the agricultural sectors.
Presenters: Edgar Aguilar (The ILO's Impact Insurance Facility and Barry Callebaut), Gildas N’Zouba (SUNU Assurances Vie Côte d’Ivoire) and Moussa Dieng (the ILO's Impact Insurance Facility and CNAAS). Moderator: Miguel Solana (the ILO's Impact Insurance Facility).
As part of the global agenda of insuring for sustainable development, the Facility and the PSI Initiative organize a webinar series with the theme, “Making inclusive insurance work”. The sixth webinar had the topic "Health insurance for the emerging consumer" and was held on 5 July 2017.
Speakers during this webinar were: Lorenzo Chan (Pioneer Group), Sanjay H. Pande (Finsall Networks) and Walter Bacareza (PhilHealth). Moderator: Lisa Morgan (ILO's Impact Insurance Facility).
As part of the global agenda of insuring for sustainable development, the Impact Insurance Facility (www.impactinsurance.org) and the PSI Initiative (www.unepfi.org/psi) are organizing a webinar series with the theme, “Making inclusive insurance work”. The fifth webinar had the topic "Agriculture and climate risks" and was held on 25 April 2017.
Speakers: Samson Ajibola (Leadway), Marcel Stäheli (CelsiusPro) and Manoj Yadav (RIICE/GIZ). Moderator: Miguel Solana (ILO's Impact Insurance Facility).
As part of the global agenda of insuring for sustainable development, the Impact Insurance Facility (www.impactinsurance.org) and the PSI Initiative (www.unepfi.org/psi) are organizing a webinar series with the theme, “Making inclusive insurance work”. The fourth webinar had the topic "SMEs and value chains" and was held on 16 March 2017.
Speakers: Jeremy Gray (Cenfri) and Nick Smith (AXA). Moderator: Alice Merry (ILO's Impact Insurance Facility).
The Facility, together with its partners FSDA and AFD, organized a webinar on "Improving claims management".
In this webinar we offered guidelines on how to manage claims efficiently and improve operations. Claims is the moment of truth in insurance - it is when the promise of insurance becomes a reality. For low-income households, client satisfaction hinges on receiving the insured benefit as the settled claim offers tangible evidence of the value of an insurance policy.
The webinar featured insights from two innovation partners on claims process improvements and better claims data management. Presenters: Patrick Kihuria (Britam) and Frida Mwaura (MicroEnsure). Moderator: Aparna Dalal (the ILO's Impact Insurance Facility)
As part of the global agenda of insuring for sustainable development, the Impact Insurance Facility (www.impactinsurance.org) and the PSI Initiative (www.unepfi.org/psi) are organizing a webinar series with the theme, “Making inclusive insurance work”. The third webinar had the topic "Health: telemedicine, insurance and Universal Health Coverage" and was held on 28 February 2017.
Speakers: Dr Peter Benjamin (Health Enabled), Jody Delichte (Inclusivity Solutions) and Andrew Smith (Tonic, Telenor’s m-Health service in Bangladesh). Moderator: Lisa Morgan (ILO's Impact Insurance Facility).
As part of the global agenda of insuring for sustainable development, the Impact Insurance Facility (www.impactinsurance.org) and the PSI Initiative (www.unepfi.org/psi) are organizing a six-part webinar series with the theme, “Making inclusive insurance work”. The second webinar focused on distribution and technology and was held on 9 February 2017.
Speakers: Susan Walls (South African Insurance Association), Munir Duri (Kifiya Financial Technology, Ethiopia) and MK Balachandran (HDFC Ergo General Insurance, India). Moderator: Pranav Prashad (ILO's Impact Insurance Facility).
The role of governments in scaling up agriculture insurance - Implementation ...Impact Insurance Facility
This webinar followed an interesting discussion we had in February 2016 on governments as important catalysts for developing the agriculture insurance market. In this second part we continued to touch upon the variety of interventions such as provision, administration and management of subsidies, support for developing infrastructure for effective implementation of insurance programmes, investment in collection and sharing of data and consumer education. In addition, the government's role in developing enabling regulations and using insurance as a part of their social protection and agriculture development agendas was discussed by experts from the World Food Program, HDFC Ergo General Insurance and BASIS/I4.
Speakers: Tara Steinmetz (BASIS/I4), Mathieu Dubreuil (World Food Programme) and Vivek Lalan (HDFC Ergo General Insurance).
This webinar looked at how governments can catalyse the development of agriculture insurance markets through a variety of interventions such as the provision, administration and management of subsidies, support for developing infrastructure for effective implementation of insurance programmes, investment in collection and sharing of data and customer education. It also looked at the government's role in developing enabling regulations and using insurance as a part of their social protection and agriculture development agendas. This webinar was organized together with the WBG's Global Index Insurance Facility, the USAID & Basis/I4-supported Global Action Network for agriculture insurance.
Speakers: Lena Heron (USAID), Peter Wrede (the World Bank) and Vincent Tithinji Ngari (Government of Kenya).
Webinar on Bundling agriculture index insurance with financial and non financ...Impact Insurance Facility
The WBG's Global Index Insurance Facility, the USAID and BASIS/I4-sponsored Global Action Network (GAN) and the ILO's Impact Insurance Facility organised a webinar to look into the question "How can index insurance be bundled with other financial and non financial services". This webinar featured speakers from global organizations who shared experiences and discussed which services and activities in the agriculture value chain are most aligned for bundling. It explored mechanisms and issues in bundling, and also looked into the possible impact of bundling on pricing & off-take of index insurance and measures of tracking it.
Speakers: François-Xavier Albouy (Vice President PlaNet Guarantee), Michael R. Carter (Professor and Director BASIS Research Program, University of California, Davis), Shadreck Mapfumo (Senior Financial Specialist World Bank Group) and David Muigai (Actuarial Officer ACRE).
The sustainability of agriculture insurance programmes relies primarily on reaching scale and controlling the costs of distribution. With this in mind, insurers are designing meso-level insurance policies that cover the entire portfolio of an aggregator. But while there are promising gains, there is still much to learn from implementing these solutions to achieve scale and efficiency.
Jointly organized by the Global Index Insurance Facility and the ILO’s Impact Insurance Facility, this webinar discussed opportunities and challenges in meso-level distribution. It presented diverse viewpoints on aggregate distribution and portfolio covers and the roles of various stakeholders. It highlighted experiences of scaling up and how such initiatives impact customer understanding and client value.
El Programa Impact Insurance de la OIT, Fasecolda (Federación de Aseguradores Colombianos) y la Superintendencia Financiera de Colombia organizaron el taller “Desarrollo del Mercado de Microseguros”, con el objetivo de reunir a los actores claves del mercado asegurador para identificar riesgos, oportunidades y definir un plan estratégico para el desarrollo de nuevos microseguros en el corto y el mediano plazo.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@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 all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
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when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the telegram contact of my personal vendor.
@Pi_vendor_247
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@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
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
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.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
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.
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4. Developing Inclusive
Insurance Markets
Presenter:
Joselito Almario
Director
Department of Finance - National Credit
Council, Philippines
Presenter:
Peter Van Den Broeke
Principal administrator
International Association of
Insurance Supervisors
Presenter:
Caroline Phily
Microinsurance Officer
Microinsurance Innovation Facility
Presenter:
Lemmy Manje,
Microinsurance Coordinator
Finmark Trust/ILO, Zambia
Moderator:
Jasmin Suministrado
Knowledge Officer
Microinsurance Innovation Facility
44
5. Discussion flow
1. The role of supervision in developing insurance
markets
2. The different stages of microinsurance development
3. Stimulating a nascent market : The case of Zambia
4. Pushing for microinsurance diversification: The case
of the Philippines
5. Learning from the experiences of Zambia and the
Philippines
5
6. The role of supervisors (1)
• The objective of insurance regulation and supervision is to protect
policyholders.
• The need for protection is higher when access to insurance
markets is first extended. Protection will enhance the trust of the
consumer in the insurance sector.
• Effective supervision needs - as a precondition - a sound and
sustainable financial sector policy. This policy could include the
development of insurance markets.
• If preconditions for effective supervision are missing the
supervisor should address these. This includes:
• Raising awareness of the government and
• Using additional powers to deal with the weaknesses in the system.
6
7. The role of supervisors (2)
• Supervisors need to take a proportionate approach when
checking insurers’ compliance with insurance regulation.
• This means considering the nature, scale and complexity of the
business, risk and organisation when verifying whether the
objectives of supervision are met.
• This approach helps to develop the insurance sector and to avoid
regulatory burdens and barriers to innovations.
• Possible examples for small enterprises with simple risk profiles:
• Lighter touch oversight and registration
• Special conditions to allow pilots
• Lower required solvency capital
• Shared actuarial functions
7
8. Stages of development
Nascent
Few MI
products, mainly
credit life
Growing
Simple products
are scaled up
Diversifying
More complex
products are
developed
Competition
Clients have
choice of products
and providers
Quality products, distribution, demand
88
9. Barriers to development
• Awareness and
interest
• Skills (basic)
• Data
• Understanding
&Trust
• Distribution &
business case
• Product value
• Skills
(advanced)
• Business case
& PPP
• Consumer
protection
9 • Supply side
• Demand side
10. The stakeholder approach
Many stakeholders can impact the development of inclusive
insurance.
There is a need for a coordinated and systematic process for
market development, where capacity building, research in the pre-
competitive space and innovation would be collectively design
and shared.
10
Risk carriers
and delivery
channels
Regulators
and
supervisors
Policy makers Enablers and
donors
11. Impact on Supervision
Nascent
Few MI
products, mainly
credit life
Growing
Simple products
are scaled up
Diversifying
More complex
products are
developed
Competition
Clients have
choice of products
and providers
Moving to next stages will in general show an increase in risk
profile, organisational growth and more complex products and
operations.
This will affect the proportionate application of regulation which might
lead to stricter requirements.
1111
12. Stages of development:
Zambia and the Philippines
Nascent
Few MI
products, mainly
credit life
Growing
Simple products
are scaled up
Diversifying
More complex
products are
developed
Competition
Clients have
choice of products
and providers
12
ZAMBIA PHILIPPINES
12
13. Zambia: Microinsurance before 2009
Regulation
• No specific
regulations on
microinsurance
• Supportive
regulator
• Hesitant and risk
averse providers
Product
• Product offerings
narrow and
limited
• Mismatch
between demand
and supply
• Inappropriate and
unaffordable
products
• Complex and
complicated
contracts
Awareness
• Low
understanding
• Low experience
• Misconceptions
• Distrust of
insurers
13
14. 14
2009
2 active insurers among 12
insurers
Less than 1% microinsurance
penetration
Mainly Credit life
< 90,000 policyholders
estimate
Distribution mainly via MFIs
and banks
14
Zambia: Microinsurance landscape
15. Zambia: Accelerating microinsurance
development
• Diagnostic report completed
• Creation of a steering committee (SC) and multi-stakeholder
technical advisory group (TAG) to oversee strategy
development and implementation process
• Microinsurance development strategy/action plan finalised in
January 2010
1515
16. Zambia: Microinsurance development
process
16
Regulatory
review and
formulation
Supplementary
studies on the
supply side
Business
opportunity
awareness
Capacity
building
interventions
Supporting
product
development
and marketing
Consumer
education
and product
awareness
• Technical
assistance to
regulator
• Industry
consultative
workshops
• Supplier assessment
study
• Aggregator study
• Finscope analysis
• Microinsurance
Innovation Seminars
• Capacity diagnostic study
• Training workshop
• Technical assistance
• Microinsurance Acceleration
Facility
• Microinsurance
marketplace
• Media programmes
• Technical assistance
to insurers and
distributors
16
17. 17
Zambia: Market developments
2012
5 active insurers (Life)
and 3 in the pipeline (non-life)
Coverage
Life: 220,000+
Credit life: 115,000+
Broader distribution
(MFIs, banks, Mobile Network
operators, workers
unions, microenterprise
associations, community
based agents)
17
2009
2 active insurers among 12
insurers
Less than 1% microinsurance
penetration
Mainly Credit life
< 90,000 policyholders
estimate
Limited distribution (mainly
via MFIs and banks)
18. Stages of development:
Zambia and the Philippines
Nascent
Few MI
products, mainly
credit life
Growing
Simple products
are scaled up
Diversifying
More complex
products are
developed
Competition
Clients have
choice of products
and providers
18
ZAMBIA
18
PHILIPPINES
19. Inadequate Policy
and Regulatory
Framework
• Vague
government
policy direction
• Unclear
regulation and
guidelines on
microinsurance
• Hesitant
providers
Inappropriate
Products
• Not tailor-
fitted
• Unaffordable
• Complex and
complicated
contracts
• Cumbersome
requirements
Lack of
Awareness
• Distrust of
insurance
providers
• “Leave it to
destiny”
mentality
• No immediate
benefits
• Additional
financial
burden
19
Philippines: Microinsurance before 2009
20. 20
Philippines: Microinsurance landscape
20
2008
2 Commercial insurers
6 Mutual Benefit
Associations
7 Products approved
About 3 million individuals
covered –50% informal
insurance , mostly credit life
22. • Performance Standards
Formulated
• Alternative Dispute Resolution
Mechanism Established
22
Market Conduct
Product Innovation and
Development
Financial Literacy and
Advocacy
Consumer Value and
Protection
POLICY AND
REGULATORY
ENVIRONMENT
• Microinsurance Defined
• Microinsurance Providers Identified
• Formalization Process Clarified
• Microinsurance Agents/Brokers Created
(CBOs included)
• Reporting Standards Established
• MBA Chart of Accounts Revised
• Prototype Product Developed:
composite product
• Contracts Simplified
• Branding and Slogan Conceived
• Trainings on MI Advocacy and
Seminars
Philippines: Key interventions
24. 24
Lessons in developing inclusive insurance
markets
• Need for in-depth analysis of the barriers for market
development
• Create buy-in thanks to a well-structured stakeholder process
• Customize intervention to support progressive development
24
Nascent
Few MI
products, mainly
credit life
Growing
Simple products
are scaled up
Diversifying
More complex
products are
developed
Competition
Clients have choice
of products and
providers
25. 2525
Learning from Zambia’s experience
• Ownership
• Effective engagement of key stakeholders and local ownership of the process
• Leadership
• Support and leadership from the Insurance Regulatory Authority
• Executive support and coordination of process
• Dedicated multi-stakeholder technical working groups
• Road map
• Goal, action plan, strategy, market development interventions, performance
indicators
• Action research
• Link research to action at different levels ensuring that research outcomes are
integrated into programming [e.g. supplier capacity building plan/interventions
should be based on supplier assessments]
• Monitoring, impact assessment and information dissemination
• Measure and share impact and emerging lessons within the industry and
globally
26. 2626
Learning from the Philippine experience
• Institutionalize inclusivity
• Set up strategic public-private sector collaboration
• Provide effective mechanisms for multi-sectoral dialogues
• Build trust
• Formulate broad-based frameworks through consultations as an initial step
• Involve community-based organizations in the whole process
• Issue clear guidelines/regulations (providers/distribution
channels/products/contracts/claims settlement, etc.)
• Ensure consumer value/protection
• Require discernible marks in contracts for approved microinsurance products
• Localize redress mechanisms to ensure accessibility and least cost
• Broaden financial literacy
• Include all sectors, not only clients
• Design key messages pertinent to each major stakeholder
• Involve local government units
• Create a core of advocates at all levels
27. Developing Inclusive
Insurance Markets
Presenter:
Joselito Almario
Director
Department of Finance - National Credit
Council, Philippines
Presenter:
Caroline Phily
Microinsurance Officer
Microinsurance Innovation Facility
Moderator:
Jasmin Suministrado
Knowledge Officer
Microinsurance Innovation Facility
2727
Presenter:
Peter Van Den Broeke
Principal administrator
International Association of
Insurance Supervisors
Presenter:
Lemmy Manje,
Microinsurance Coordinator
Finmark Trust/ILO, Zambia
Editor's Notes
Main messages – No slideIn manydevelopping countries, developinginsurancemarketsmeansincreasing microinsurance penetrationWe have seen in previouswebinarthatmanybarriersremain for MI to develop: distribution modelsneeds to bedevelopped, value and viabilityneeds to beenhanced, thenology solutions furtherdevelopedVariousstakeholdercan impact the development of inclusive insurancemarkets;Regulators, oftenwith support fromsupervisors have to developconducivelaws and regulationsenabling innovations whileprotecting clientsThere is a need for industry support to enable the market to grow