Latest Publications

How low can we go? A discussion note on whether life microinsurance schemes offer value at low claims ratios

FinMark Trust commissioned Bowman Consulting to consider a method of measuring the value of life microinsurance with a view to answer the question of whether microinsurance products that have low claims ratios necessarily mean that their consumers are receiving poor value. It also considers whether there is a level of claims ratio below which consumers should not consider microinsurance as a viable risk coping mechanism because the value it offers is too low. To simplify the analysis, the report takes a narrow view when answering these questions by focusing only on cases where microinsurance can be compared with an alternatve mechanism, such as microloans used for risk coping. 

Making Access Possible (MAP) Thailand

The Thailand Synthesis report is an output of the Technical Assistance request by the Ministry of Finance of Thailand from the Asian Development Bank (ADB) to develop a National Strategy for Financial Inclusion. The TA is funded by Japan Fund for Poverty Reduction with technical support from the United Nationals Capital Development Fund (UNCDF).

 

The report brings together diagnostic research on financial inclusion in Thailand that was conducted between April 2012 and June 2013, applying the Making Access Possible (MAP) Diagnostic and programming framework to support expanding access to financial services for individuals and micro and small businesses. 

Making Access Possible (MAP) Mozambique

Mozambique is a country on the move. Since emerging from its long civil war in the 1990s, the country has liberalised its economy, initiated the construction of new infrastructure on a vast scale and instituted extensive public reform. The financial sector, in particular, has seen far reaching changes. Not only were several state-owned financial institutions privatised, but many new financial institutions have emerged. The economy responded with strong growth, averaging 7.5% in real terms between 2005 and 2014.

 

The United Nations Capital Development Fund (UNCDF), FinMark Trust and Cenfri partnered to undertake a Making Access to Financial Services Possible (MAP) diagnostic in Mozambique in 2013-14 to ask a simple question - to what extend has the liberalised fast growing economy and the rejuvenated and reformed financial sector succeeded in delivering financial services to the people of Mozambique. Put different, how inclusive is financial sector development in Mozambique?

Making Access Possible (MAP) Botswana

This synthesis note summarises the main findings of the Making Access Possible (MAP) Botswana diagnostic, a comprehensive study of the scope for financial inclusion in Botswana across four product markets: credit, payments, savings and insurance. MAP Botswana was requested by the Government of Botswana as input towards the development of a financial inclusion strategy for Botswana. MAP Botswana is funded by FinMark Trust, and the Country Diagnostic Report was prepared by Econsult Botswana, with assistance from Cenfri.

 
Latest Publications

How low can we go? A discussion note on whether life microinsurance schemes offer value at low claims ratios

FinMark Trust commissioned Bowman Consulting to consider a method of measuring the value of life microinsurance with a view to answer the question of whether microinsurance products that have low claims ratios necessarily mean that their consumers are receiving poor value. It also considers whether there is a level of claims ratio below which consumers should not consider microinsurance as a viable risk coping mechanism because the value it offers is too low. To simplify the analysis, the report takes a narrow view when answering these questions by focusing only on cases where microinsurance can be compared with an alternatve mechanism, such as microloans used for risk coping. 

Making Access Possible (MAP) Thailand

The Thailand Synthesis report is an output of the Technical Assistance request by the Ministry of Finance of Thailand from the Asian Development Bank (ADB) to develop a National Strategy for Financial Inclusion. The TA is funded by Japan Fund for Poverty Reduction with technical support from the United Nationals Capital Development Fund (UNCDF).

 

The report brings together diagnostic research on financial inclusion in Thailand that was conducted between April 2012 and June 2013, applying the Making Access Possible (MAP) Diagnostic and programming framework to support expanding access to financial services for individuals and micro and small businesses. 

Making Access Possible (MAP) Mozambique

Mozambique is a country on the move. Since emerging from its long civil war in the 1990s, the country has liberalised its economy, initiated the construction of new infrastructure on a vast scale and instituted extensive public reform. The financial sector, in particular, has seen far reaching changes. Not only were several state-owned financial institutions privatised, but many new financial institutions have emerged. The economy responded with strong growth, averaging 7.5% in real terms between 2005 and 2014.

 

The United Nations Capital Development Fund (UNCDF), FinMark Trust and Cenfri partnered to undertake a Making Access to Financial Services Possible (MAP) diagnostic in Mozambique in 2013-14 to ask a simple question - to what extend has the liberalised fast growing economy and the rejuvenated and reformed financial sector succeeded in delivering financial services to the people of Mozambique. Put different, how inclusive is financial sector development in Mozambique?

Making Access Possible (MAP) Botswana

This synthesis note summarises the main findings of the Making Access Possible (MAP) Botswana diagnostic, a comprehensive study of the scope for financial inclusion in Botswana across four product markets: credit, payments, savings and insurance. MAP Botswana was requested by the Government of Botswana as input towards the development of a financial inclusion strategy for Botswana. MAP Botswana is funded by FinMark Trust, and the Country Diagnostic Report was prepared by Econsult Botswana, with assistance from Cenfri.

 

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