Helping Communities Manage risks from the ground up.
Find below the publications of the Micro Insurance Academy. We follow an open-access policy and share free of cost all our published papers.
Voluntary Affiliation to Micro Health Insurance and Social Capital among Resource-Poor Persons: Initial Evidence from India
Morelli E, Onnis GA, Ammann WJ, Sutter C
Microinsurance: an Innovative Tool for Disaster and Risk Reduction, pp 187-210
Global Risk Forum GRF, Davos; ISBN 978-3-033-02463-2
Based on data from a 2005 household survey in four locations in India, we examine whether there is an association between insurance status and several indicators of social capital, and whether this association is a general phenomenon or, rather, dependent on attributes of the community or of the local Micro Insurance Unit (MIU). This is done by looking at preferences of respondents to seek borrowing and advice from formal versus informal sources, levels of trust towards community members versus outsiders, and the factors influencing respondents’ decision to affiliate voluntarily to an MIU or not.
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