The supply of microinsurance by Wojciech Juszczak
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The supply of microinsurance

The supply of microinsurance


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About the Book

Studienarbeit aus dem Jahr 2011 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,7, Universität zu Köln, Sprache: Deutsch, Abstract: Spätestens seit Muhammad Yunus im Jahr 2006 den Nobelpreis für die Kreditvergabe an "arme Menschen" erhielt, hat Mikrofinanzierung stark an Bedeutung gewonnen. Im Vergleich zu Mikrokrediten oder Mikrosparprodukten entwickelte sich der Markt für Mikroversicherungen jedoch erst spät. Grundsätzlich unterscheidet sich eine Mikroversicherung nur wenig von einer klassischen Versicherung, abgesehen von der spezifischen Bestimmung der Zielgruppe. In der Literatur wird Mikroversicherung als "the protection of low-income people against specific perils in exchange for regular premium payments proportionate to the likelihood and cost of the risk involved" definiert. Noch im letzten Jahrzehnt sträubten sich die Versicherungsunternehmen (VU) Menschen aus dem unteren Ende der Armutspyramide zu versichern. Die geringen Prämieneinnahmen, relativ hohe Transaktionskosten, sowie die fehlende Infrastruktur in Entwicklungsländern schreckten vor einem Einstieg in den Mikroversicherungsmarkt ab. Heute sprechen die VU diesem Markt ein enormes Wachstumspotential zu. Die Entwicklung scheint wenig überraschend zu sein, denn laut einer Studie von "Lloyd´s und dem Microinsurance Center" wächst die Mikroversicherungsbranche jährlich um 18%. Potentielle Versicherungsnehmer sind genug vorhanden, da 5,5 Mrd. Menschen in Entwicklungsländern leben, in denen kaum Absicherungssysteme existieren. 80% der Menschen in Entwicklungsländern beziehen ihr Einkommen aus dem Informellen Wirtschaftssektor, aufgrund dessen verfügen Sie über keinerlei Absicherung. Die Tatsache das "arme Menschen" größeren Risiken ausgesetzt sind und von wirtschaftlichen Schocks viel stärker getroffen werden, zeigt dass gerade diese Menschen einen enormen Absicherungsbedarf haben. Trotzdem sind gerade einmal 3% der Bevölkerung in den 100 ärmsten Ländern der Welt versichert.


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Product Details
  • ISBN-13: 9783640961023
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 3 mm
  • Weight: 136 gr
  • ISBN-10: 3640961021
  • Publisher Date: 28 Jul 2011
  • Height: 210 mm
  • No of Pages: 56
  • Series Title: German
  • Sub Title: organisational, market and socio-cultural factors
  • Width: 148 mm


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