Microfinance.pptx

8/17/2019 Microfinance.pptx

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Community–Based

Health Insurance


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CHI is not-for-prot insurance scheme.

Aims at informal sector and is generally targeted atlow-income populations

Formed on the basis of a collective pooling ofhealth risks and in which the members participatein its management.

As opposed to social health insurance membershipis voluntary rather than mandatory.

!he si"e of the target population #i.e. thepopulation from which members are drawn$ ranges

from a few thousands to %& lakhs. 'ften schemes are initiated by a hospital and

targeted at residents of the surrounding area.

'ption to go either to public or private sector (shall generate competition among providers for

better services


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CHI has emerged as a possible means becauseof)

Improving access to health care among the

poor

Protecting the poor from indebtedness andimpoverishment resulting from medicalexpenditures.


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*icro Insurance

Insurance characteri"ed by low premium andlow coverage limits and designed to service

low-income people. *icro-insurance is the protection of low

-income people against specic perils ine+change for regular premium payments

proportionate to the likelihood and cost ofthe risk involved.


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,lobali"ation in many developing countries is contributing to a growingdisparity between the rich and the poor.

!his worsens the access of the poor to the economic opportunities throughwhich they could build up their assets and enhance income in order tocome out of poverty cycle.

!he commercial banking sector does not consider the poor bankable owingmainly to their inability to meet the eligibility criteria. !hus the poor in

most countries have had no access to formal nancial services.

ue to the above mentioned reasons the rural poor were relying oninformal credit channels such as local moneylenders market vendorsshopkeepers and others including friends and relatives.

!he more rational way to help the poor could be the provision ofsustainable economic opportunities at gross-root level especially provisionof reuired nancial services at competitive rates to support theirinvestments and viable business activities.

India is perhaps the largest emerging market for micronance.


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History

In /012 3rofessor *uhammad 4unus

#bangaldesh$ launched 5!he ,rameen 6ank73ro8ect on an e+perimental basis to studythe framework of banking services for therural poor.


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9orld market

In 2007, 100 million of the world’s

poorest families received a microloan.

*icronance is fast emerging as a hotopportunity for global players


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I:IA: *A;


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D4eshaswiniD

Conceptualised by r. evi hetty.

Eaunched in %??% in association with the

million farmers and

their families in the state for all surgicalprocedures and outpatient care.

!he premium is only /@ rupees per monthfrom ;s & at inception.


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6andhan

9orking towards the twin ob8ective of

poverty alleviation and womenempowerment.

6andhan s 'utreach

o. of states !11 o. of branches!"7#o. of bene$ciaries!1.# milliono. of sta%! &,2'#(umulative loan disbursed! )s. 220' crores


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Target audience

Eandless and asset less women

*onthly household income less than ;s.%&?? in rural areas and ;s. >&?? in urbanareas

Individuals owning less than/G%acre of land

or capital of its euivalent value


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3ricing strategy

First loan ;s. /??? - 1??? #rural areas$ ;s. /??? - /???? #urban areas$

ubseuent loan ;s. /??? - &??? more

than the previous loan

!enure of the micro loan is / year.

!he borrowers are entitled to a graceperiod of 1 weeks.


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6andhan Health 3rogram

3urpose) !o address emergency health needs

=ligibility) Any member who has completedtwo loan cycles

Eoan i"e varies between ;s. /???-&??? Interest rate) /%.&

Associates A6: Amro ICICI 6ank andHFC to geographically diversify their

micronance portfolio.

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Microfinance.pptx

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