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Barriers to micro-insurance outreach for pastoralists and crop farmers in rural areas in Kenya (Paperback)
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Barriers to micro-insurance outreach for pastoralists and crop farmers in rural areas in Kenya (Paperback)
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Bachelor Thesis from the year 2012 in the subject Business
economics - Business Management, Corporate Governance, grade: 1,3,
University of Applied Sciences Augsburg, language: English,
abstract: Micro insurance in Kenya is still undeveloped compared to
micro credit and micro savings due to the fact that it offers no
immediate benefits to the insured. Insurance companies in Kenya
have been taking long to compensate their clients in the case of
any peril and therefore insurance is seen as a way of stealing the
money from the citizens. This thesis has looked into ways of making
micro insurance locally available to both large and small scale
crop farmers. It has gone a step further to investigate ways of
merging up micro insurance and micro credit by using insurance as
collateral to acquire loan. It was realized that there is a
possibility of selling an insurance contract to a buyer of a
produce whereby the farmer can later pay the premium after the
harvest of the produce. Moreover, there is a possibility of the
harvest being used as collateral when it is in the warehouse of the
Kenya National and Cereals Produce Board (NCPB). This increases the
creditworthiness of the otherwise not qualifying-for-credit farmer
as well as the produce being stored waiting to hit the market highs
in order to be sold for profit. To make use of the technology, this
paper calls for the development of a mobile application that will
enable farmers access information in real time on their mobile
phones and thereby being able act accordingly.
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