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Micro-Impact: Deconstructing the complex impact process of a simple microinsurance product in Indonesia

Martin Hintz

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ISBN 10: 3838119886 / ISBN 13: 9783838119885
Published by Suedwestdeutscher Verlag fuer Hochschulschriften, 2010
Condition: Good Soft cover
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Bibliographic Details

Title: Micro-Impact: Deconstructing the complex ...

Publisher: Suedwestdeutscher Verlag fuer Hochschulschriften

Publication Date: 2010

Binding: Paperback

Book Condition:Good

About this title


Since the turn of the Millennium, microinsurance has grown to significant prominence in the development discourse. Microinsurance is seen is one of the key tools to reduce the vulnerability of low-asset families in developing countries. It is also increasingly perceived as a business opportunity by insurance companies. However, to date little is known about the social impact of microinsurance. Does it really help low-asset people to manage their daily risks in a better way? How does this work in detail? Are there any unintended social "side-effects"? This PhD contributes to answering these still largely unexplored questions. It is based on a largely qualitative analysis of the social impacts of a simple credit-life microinsurance product in Indonesia. Despite the product's simplicity, its social impact turns out to be a highly complex process deeply enmeshed and contingent on social and religious context. The present study reveals that the intended developmental impact of this particular microinsurance product in Indonesia was literally "micro", with a number of unexpected and ambiguous social consequences.

About the Author:

Martin Hintz holds a diploma in International Cultural and Business Studies from the University of Passau, Germany. For more than five years, he has worked for Allianz insurance in Indonesia to build its microinsurance business. In the course of this work, he has collected the data for his PhD-thesis on the social impact of microinsurance.

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