Pwofil Mache Asirans Endèks: Ayiti

Bank Mondyal • 2015 • 2 paj

Rezime — Pwofil sa a dokumente mache asirans endèks Ayiti nan pwogram MiCRO a, ki bay asirans katastwòf pou mikwo-antrepriz yo nan enstitisyon mikrofinans yo. Pwogram nan te peye 8.9 milyon dola nan 2012/13 pou ede dè milye biznis fanm yo remèt sou pye yo apre katastwòf natirèl yo.

Gade Dokiman

Dekouve Enpotan

Peman $8.9 milyon an nan 2012/13 te ede dè milye mikwo-antrepriz fanm yo remèt sou pye yo apre katastwòf natirèl yo.
Patisipasyon nan mache a te rete estab ak plis pase 60,000 klian yo ki te kenbe depi 2012-2014.
Total pòtefèy asirans lan te rive nan $7.97 milyon nan sòm yo ki asiré.
Pwogram nan vize rive nan 70,000 mikwo-antrepriz yo nan desanm 2016 ak $20.5 milyon nan kontra pwojte yo.
GIIF bay jiska 50% sibvansyon prim pou twa ane pou rive nan dirabilite mache a.

Deskripsyon Konple

Ayiti ap fè fas ak gwo risk katastwòf natirèl yo tankou tranblemanntè, siklòn ak inondasyon rapid, sa ki fè li youn nan peyi ki pi espoze nan katastwòf yo nan mond lan. Pwogram asirans endèks MiCRO a te kòmanse nan 2011 pou bay kouvèti katastwòf pou mikwo-antrepriz yo nan enstitisyon mikrofinans yo, sitou Fonkoze Financial Services. Pwogram nan an kouvri inondasyon, siklòn ak tranblemanntè lè l ap sèvi ak pwodwi asirans katastwòf natirèl ak endèks tanm lan. Li te gen yon gwo enpak nan 2012/13 ak yon peman 8.9 milyon dola ki te ede dè milye mikwo-antrepriz fanm yo repare domaj yo, ranplase enventè yo ak re-ouvè biznis yo. Asirans lan koute 5% nan valè bagay yo ki asiré a epi li itilize done satelit TRMM pou kalkil yo. Developman mache a te montre patisipasyon regilye ak 67,365 klian nan 2012, 63,969 nan 2013, ak 60,142 kòm nan mwa jen 2014. Total pòtefèy asirans lan te rive nan $7.97 milyon nan sòm yo ki asiré. Pwogram nan gen Alternative Insurance Company kòm asirans lokal la, ak Swiss Re ak MiCRO kòm reyasirans entènasyonal yo. Ak asistans teknik GIIF ak lajan sibvansyon ki kouvri jiska 50% nan prim yo pou twa ane, pwogram nan vize agrandi nan distribitè MFI adisyonèl yo ak rive nan anviwon 70,000 mikwo-antrepriz yo nan desanm 2016, ak kontra asirans aktif yo pwojte yo evalye nan $20.5 milyon. Anviwonman règleman an k ap fonksyone anba yon lwa 1981 ki bay Ministè Ekonomi ak Finans lan otorité sivèy, ak IBRD k ap travay sou nouvo lwa asirans yo.

Sije

Mo Kle

index insurance, micro-enterprises, natural disasters, microfinance, haiti, catastrophe coverage, women entrepreneurs, fonkoze

Antite

MiCRO, Global Index Insurance Facility, GIIF, Haiti, Fonkoze Financial Services, Alternative Insurance Co, AIC, Swiss Re, Ministry of Economy and Finance, MEF, IBRD, World Bank, TRMM Satellite

Teks Konple Dokiman an

Teks ki soti nan dokiman orijinal la pou endeksasyon.

Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized FUNDED BY COUNTRY PROFILES INDEX INSURANCE MARKET PROFILE Haiti G L O B A L I N D E X INSURANCE FACILITY | 1 COUNTRYPROFILES HAITI BACKGROUND Haiti is one of the most disaster-prone countries in the world with earthquakes, hurricanes and flash floods. DEVELOPMENT IMPACT Micro-loans and Payouts: The $8.9 million payout in 2012/13 helped thousands of women-owned micro enterprises repair damages, replace inventory and reopen businesses. Products Available: Nat cat and weather index Perils Insured: Floods, hurricanes, earthquakes Intermediary Brokers MiCRO Launch Date 2011 Market Development MiCRO 2012: 67,365 2013: 63,969 As of June 2014: 60,142 Local Insurers Alternative Insurance Co. (AIC) International Reinsurers Swiss Re, MiCRO Calculation Agent Regulatory Environment A 1981 law gives the Ministry of Economy and Finance (MEF) authority to supervise the insurance sector. IBRD has been working with the MEF on drafting new insurance laws to put in place a prudential regime for insurance business, Product Design: While previously MiCRO/Fonkoze issued payouts to clients, under the current programs, micro-enterprises are no longer eligible for direct payouts; however, should an event trigger payout under the policy Fonkoze uses the funding from MiCRO to recapitalize borrowers that may have been adversely affected by a catastrophic event. The MiCRO pilot is still being tested. The key to success will be improving the rain, wind, seismic and parameters that guide the micro-insurance payouts. Data: TRMM Satellite Cost of Insurance: 5% of value of insured inputs Value Chain: Fonkoze Financial Services (MFI) Total Insurance Portfolio (sums insured) $7.97 million Payouts: $8.9 million (2012/13) Potential Market for Index Insurance- Cotton: MiCRO works through MFI Fonkoze, and hopes to reach economies of scale through other MFI distributors. Through GIIF technical assistance, the project will expand the reach of the product offer to more low-income microfinance clients by adding at least one additional MFI to MiCRO’s distribution channels by the end of the project. With GIIF grant funds, MiCRO is able to cover the costs of up to 50 percent of the premiums for three years, allowing MiCRO time to bring its index product up to a sustainable market level. Approximately 70,000 micro-enterprises are expected to be insured by the end of December 2016. The total projected value of active insurance contracts is estimated to be $20.5 million by 2016. 2 |