Public Disclosure Authorized 34207 !" DONOR BRIEF 2003 12 16 !"#$%&' !"#$%&'()*+,- ! !"#$% Public Disclosure Authorized MICROINSURANCE: A RISK MANAGEMENT STRATEGY !"# 20 !"#$%&'()*+,-./ !"#$%&'()*+ !"#$%&'( !"#$% !"#$%&'()*+,-. !"#$ !"#$%&' !"#$% !"#$%&'()!*+,-./0 !"#$%&'()*+ !"#$%&'()*+,-./0 !"#$%& !"#$%& ! "#$%&'()*+$, !"#$%&'()*+,-. !"#$%& !"#$% !"#$%&'( !"#$%&'()*+%&'(,-./0123456789 !"#$% !"# ! !" !"# !" ! Public Disclosure Authorized !"#$%&'()* !"#$%&'()*+,- !" #$%&'( !"#$ !"# !" !"#$%&'()*+,- !"#$%&'()* !"#$%&'()*+,-./0123-4 !"# !"#$% !"#$%&'()*+,-. !"#$%&' !"#$%&'()*+,-.&/01 !"#$%&'( !"#$%&'()*+,-./ ! !"#$%&'()*+,-./01234$567 !"#$%& !"#$% ! # !" !"#$%&'()*+,-./0!1 !"#$% !"#$ !"#$ !"#$ !"#$%&'()*+$%,-./01234. !"#$%&'()*+,-./01234 !"#$%&'()*+,-. !"#$%&' 5 !"#$%&'()*+,-./01!234 !"#$%&'()* +,"-./0123 +456 Public Disclosure Authorized ! !"#$%&'()*+,-./0 123456789 !"#$%&'() !"#$% !"#$%&' !"#$%&'& ( ! !"#$%& !"#$%&'() !"# ! !" ! !"#$%&'()* !"# ! !"#$ !"#$% !" !"#$%&'(")*+ ! !"#$%&'(#)*+,-./01#&2345 !" !"#$%&'()*+ !"#$%&'()*+",-. !"#$%& !"#$ !"#$%&'()*+,-"./01234567 CGAP 1818 H Street. NW Washington DC 20433 : 202. 473 9594 : 202. 522 3744 !: CGAP@Worldbank.org : http: //www.cgap.org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lexia Latortue, with inputs from Monique Cohen, Michael J. McCord, Craig Churchill, and CGAP staff. ! CGAP WorkingGroup on Microinsurance, Donor Guidelines for Funding Microinsurance, Geneva, 2003; Microinsurance: Improving Risk Management forthe Poor, nos. 1 and 2 (Luxembourg: ADA, August and November 2003); W. Brown, C. Green, and G. Lindquist, A Cautionary Note forMicrofinance Institutions and Donors Considering Developing Microinsurance Products (Bethesda, Md., USA: DAI, 2000); C. Churchill, D. Liber, M.J. McCord, and J. Roth, Making Microinsurance Work for Microfinance Institutions: A Technical Guide to Developing and DeliveringMicroinsurance (Geneva: ILO, 2003); W. Brown and C. Churchill, Insurance Provision to Low-Income Households: Parts I and 2 (Bethesda,Md., USA: DAI, 1999, 2000). Microinsurance Centre- www.microinsurancecentre.org; Microinsurance Focus- ww.microfinancegateway.org/section/resourcecenters/microinsurance; USAID MBP publications- www.usaidmicro.org/pubs/mbp-res.asp#npm. CGAP Alexia Latortue - alatortue@worldbank.org CGAP !"#$%&'( (DIRECT) www.cgap.org/direct