Global and Multi-regional / Projets mondiaux et multirégionaux

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    Making insurance markets work for the poor : microinsurance policy, regulation and supervision; evidence from five country case studies
    (CGAP Working Group on Microinsurance, 2009) Bester, Hennie; Chamberlain, Doubell; Hougaard, Christine
    This document presents the executive summary and guidelines based on five country case studies on the role of regulation in the development of microinsurance markets. The objectives of this project were to map the experience in a sample of five developing countries (Colombia, India, the Philippines, South Africa and Uganda) where microinsurance products have evolved and to consider the influence that policy, regulation and supervision have had on the development of these markets. This evidence was used to extract crosscountry lessons that seek to offer guidance to policymakers, regulators and supervisors who are looking to support the development of microinsurance in their jurisdiction. It must be emphasised that these findings do not provide an easy recipe for developing microinsurance but only identify some of the key issues that need to be considered. In fact, the findings emphasise the need for a comprehensive approach that is informed by, and tailored to, domestic conditions and adjusted continuously as the environment evolves.
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    Competition Principles Under Threat : IDRC Pre-ICN Forum on Competition and Development, Zurich, 2 June 2009; record of the proceedings
    (Swiss Institute for International Economics and Applied Economic Research, University of St. Gallen, CH, 2009) Wermelinger, Martin; Joekes, Susan; Ruscio, Miriam
    Both developing and industrialized country governments have been forcing mergers, bailing out failing firms, rolling back procurement rules, requiring banks to allocate credit preferentially to domestic firms, and authorizing new state aid. The implementation of these measures can reverse decades of slowly-won support for competition norms. The report covers the workshop and presentations organized by the International Development Research Centre (IDRC, Canada) and co-sponsored by the Swiss Competition Commission (Comco) as hosts of the 2009 Annual Conference of the International Competition Network (ICN).
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    Trade liberalization and poverty : a CGE analysis of the 1990s experience in Africa and Asia
    (Poverty and Economic Policy (PEP) Research Network, 2008) Cockburn, John; Decaluwé, Bernard; Robichaud, Véronique
    This volume emphasizes that trade liberalization does not take place in isolation. In particular, when tariffs are reduced, governments must either compensate for the loss of tax revenue by raising other taxes, or reduce expenditures. The main findings are based on ‘revenue neutral’ simulations, where loss of tariff revenue is recovered by an increase in sales tax. The book points out general trends, and explains the factors impacting poverty due to trade liberalization. In examining the distribution of poverty, it combines computable general equilibrium (CGE) modelling with household surveys, to capture complex interconnections among an economy’s products and markets.
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    Trade and poverty in the developing world
    (Poverty and Economic Policy (PEP) Research Network, 2008) Cockburn, John; Giordano, Paolo
    The Poverty and Economic Policy (PEP) Network promotes the monitoring and measurement of poverty in its multiple dimensions. It supports research on the impact of past policies and those considered for the future. It recognizes that a “one-size-fits-all” policy approach lacks empirical support, since most of the effects of trade openness are highly contextualized. The mismatch between theory and available empirical evidence may partly reflect some strong modeling assumptions of dubious relevance for most developing economies. This collection of papers can assist policymakers who aim to harness trade to sustain growth and reduce poverty, as well as researchers interested in serving the policymaking process.
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    Broken promises : a G-20 summit; report by Global Trade Alert
    (Centre for Economic Policy Research (CEPR), London, GB, 2009) Evenett, Simon J.
    Global Trade Alert (GTA) provides information on state interventions during the global downturn (2008) that affect foreign commerce. It identifies the trading partners likely to be harmed by these measures. GTA has investigated 425 state initiatives by an independent team of trade policy analysts. The overwhelming picture is one of planned and implemented initiatives that reduce foreign commercial opportunities and reverse the 25-year trend towards open borders. The GTA team estimates that worldwide the number of discriminatory measures being implemented outnumbers the liberalizing measures by five to one. The book details these findings relative to G20 members' pledge to eschew protectionism.
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    Labor supply responses to adverse shocks under credit constraints : evidence from Bukidnon, Philippines
    (PEP Research Network, 2006) Hazel Jean Malapit; Jade Eric Redoblado; Deanna Margarett Cabungcal-Dolor; Jasmin Suministrado
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    Seguro informal : perspective de um regulador
    (Centre for Financial Regulation and Inclusion (CENFRI), Cape Town, ZA, 2009) Chamberlain, Doubell; Bester, Hennie; Hougaard, Christine
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    Formando um mercado para microsseguro : o sucesso e o fracasso de diferentes canais de provimento
    (Centre for Financial Regulation and Inclusion (CENFRI), Cape Town, ZA, 2009) Chamberlain, Doubell; Bester, Hennie; Hougaard, Christine
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    Arriscar ou segurar? : entender a decisão sobre comprar microsseguro
    (Centre for Financial Regulation and Inclusion (CENFRI), Cape Town, ZA, 2009) Chamberlain, Doubell; Bester, Hennie; Hougaard, Christine
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    Papel da política, regulação e supervisão ao fazer os mercados de seguros atenderem as pessoas de baixa renda : resumo executivo e diretrizes emergentes
    (Centre for Financial Regulation and Inclusion (CENFRI), Cape Town, ZA, 2008) Chamberlain, Doubell; Bester, Hennie; Hougaard, Christine
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    O que é microsseguro e por que ele é importante? : a base lógica para o microsseguro a partir da perspectiva de um regulador
    (Centre for Financial Regulation and Inclusion (CENFRI), Cape Town, ZA, 2009) Chamberlain, Doubell; Bester, Hennie; Hougaard, Christine
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    Créer un marché de la micro-assurance : la réussite et l'échec de différents canaux d'offre
    (Centre for Financial Regulation and Inclusion (CENFRI), Cape Town, ZA, 2009) Chamberlain, Doubell; Bester, Hennie; Hougaard, Christine
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    Assurance informelle : le point de vue du régulateur
    (Centre for Financial Regulation and Inclusion (CENFRI), Cape Town, ZA, 2009) Chamberlain, Doubell; Bester, Hennie; Hougaard, Christine
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    Garantir un avantage réciproque : le rôle et la réglementation des assureurs détenus par des membres
    (Centre for Financial Regulation and Inclusion (CENFRI), Cape Town, ZA, 2009) Chamberlain, Doubell; Bester, Hennie; Hougaard, Christine
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    Prendre le risque ou s’assurer ? : comprendre la décision d’achat de micro-assurance
    (Centre for Financial Regulation and Inclusion (CENFRI), Cape Town, ZA, 2009) Chamberlain, Doubell; Bester, Hennie; Hougaard, Christine
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    Rôle de la politique, de la réglementation et de la supervision faire en sorte que les marchés de l'assurance fonctionnent pour les pauvres : résumé opérationnel et directives émergentes
    (Centre for Financial Regulation and Inclusion (CENFRI), Cape Town, ZA, 2008) Chamberlain, Doubell; Bester, Hennie; Hougaard, Christine
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    Informal insurance : a regulator’s perspective
    (Centre for Financial Regulation and Inclusion (CENFRI), Cape Town, ZA, 2009) Chamberlain, Doubell; Bester, Hennie; Hougaard, Christine
    Evidence from a range of countries shows that much of microinsurance is provided in an informal and unregulated way. Issues for consideration in designing a regulatory response to informality are outlined in this ‘focus note’ document. Informal markets can play an important role in providing service to people ignored by the formal sector, but they also pose risks for consumers. Analysis shows that the informal market is not necessarily illegal. Informal activities may simply be unregulated. However, whether or not it is technically illegal, informality is likely to pose challenges for both the market and regulators.
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    Ensuring mutual benefit : the role and regulation of member-owned insurers
    (Centre for Financial Regulation and Inclusion (CENFRI), Cape Town, ZA, 2009) Chamberlain, Doubell; Bester, Hennie; Hougaard, Christine
    This document is part of a five-country study on the role of policy, regulation and supervision in microinsurance for the poor. It deals with member-owned organisations that provide a form of risk pooling or insurance coverage to members, including cooperatives and mutual insurers. It explores common characteristics as well as varying features that affect how such entities operate, their risk management practices, and how regulation should deal with them. As member-owned organisations progress from informal risk-pooling groups to larger and more sophisticated entities, regulatory support may need to compensate for structural change.
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    Risk it or insure it? : understanding the microinsurance purchase decision
    (Centre for Financial Regulation and Inclusion (CENFRI), Cape Town, ZA, 2009) Chamberlain, Doubell; Bester, Hennie; Hougaard, Christine
    This focus note explores the factors that influence people in decision making towards buying insurance. The analysis draws on evidence from five country studies (Colombia, India, the Philippines, South Africa and Uganda) on the development of microinsurance markets alongside the impact of regulation. The overall aim is to assess the effect of regulation on insurance markets and to gain insights which can guide policy-makers, regulators and supervisors in support of the development of microinsurance in their jurisdiction.
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    Making a market for microinsurance : the success and failure of different channels of delivery
    (Centre for Financial Regulation and Inclusion (CENFRI), Cape Town, ZA, 2009) Chamberlain, Doubell; Bester, Hennie; Hougaard, Christine
    This document is part of a five-country study on the role of policy, regulation and supervision in making microinsurance work for the poor. It highlights key model categories and salient features that may help in understanding success or failure in intermediating microinsurance and being able to reach lower income groups. Innovative new models are emerging in microinsurance at low cost, without it being attached to another product or service. Individual country reports and summary findings can be accessed at www.cenfri.org