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Microinsurance, Poverty & Vulnerability: A Concept Paper


  • Syed M. Ahsan


The preponderance of risk and vulnerability facing the poor is well recorded. In spite of advances in microcredit, effective coping mechanisms remain limited and costly, and consequently, poverty cycles trap many poor households indefinitely. Prevalent rural institutions are found to be typically of a self-insurance nature, and thus there is a necessity for dealing with idiosyncratic risks within a region as well as risks at the level of regions. The present study attempts to conceptually explore how the important risks that matter for life and death events facing the poor may be insured at an affordable cost both to the insured and the insurer using where possible experience and data drawn from South Asia.

Suggested Citation

  • Syed M. Ahsan, 2010. "Microinsurance, Poverty & Vulnerability: A Concept Paper," Working Papers 1, Institute of Microfinance (InM).
  • Handle: RePEc:imb:wpaper:1

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    Cited by:

    1. Ahsan, Syed M. & Barua, Shubhasish & Tax, Jaimie, 2010. "Toward an efficient and sustainable Microinsurance market: The regulatory perspective," MPRA Paper 35816, University Library of Munich, Germany.
    2. Ahsan, Syed M & Mahmud, Minhaj, 2011. "Microinsurance: The Choice among Delivery and Regulatory Mechanisms," MPRA Paper 50286, University Library of Munich, Germany, revised Jul 2013.

    More about this item


    Microinsurance; poverty & vulnerability; Bangladesh.;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • I30 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - General


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