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24.09.2017
>> Research >> Grants >> Determining factors of the demand for microinsurance of low-income households – the case of Ghana  
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Determining factors of the demand for microinsurance of low-income households – the case of Ghana

 

Research Institutions:

German Institute of Global and Area Studies (GIGA), Hamburg, Germany and Institute of Statistical Social and Economic Research (ISSER), Accra, Ghana

 

Summary:

This PEGNet Research Exchange Project aims at examining the risk management strategies of low-income households and the conditions under which they demand microinsurance. Since the end of the 1990ies insurances are increasingly seen as strategy of risk mitigation for low-income households in developing countries. In response to the exclusion of poorer segments of society from formal insurance mechanisms provided either by the state or by large private insurers, microinsurances have increasingly attracted public attention. Despite this finding, the analysis of microinsurances has been almost neglected by the international research community. It is a main objective of this project to fill this research gap by analysing the determinants of the demand for microinsurances and alternative risk management strategies based on recollecting and analysing a comprehensive household survey in a rural area in Ghana.

 

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