Microinsurance for Building DRR & CCA Resilient Community -Cambodia

PowerPoint Presentation: 

Akhteruzzaman Sano Save the Earth Cambodia sano.stec@gmail.com +855 -12/93- 599 817 Microinsurance for Building Disaster and Climate Resilience 10 th Anniversary and Annual General Assembly of ADRRN 8-10 February, 2012 Phnom Penh, Cambodia

Overview: 

Overview What is Microinsurance The Key differences between insurance and microinsurance Scope of the Microinsurance Facility Microinsurance as a tool for building CBA resilience (CCA and DRR)

PowerPoint Presentation: 

A Case Study on Community Based DRR & CCA linking, Cambodia

What is Microinsurance?: 

What is Microinsurance ? It is a TOOL/MECHANISM to support the poor for climate adapted lives & livelihoods, to reduce risks caused by multi-hazards, to food security, to protect from specific perils in exchange for regular premium payments proportionate to the likelihood and cost of the risk involved”

2. The Key differences between insurance and microinsurance : 

2. The Key differences between insurance and microinsurance Key issue Microinsurance Micro Credit Ownership Community people Third party Manager Community people Third party Gender Conditions women leaderships No conditions Disaster Risk Reduction Conditions to DRR activities No conditions Food security Ensure community needs Individual centered Domestic Violence Conditions to reduce No conditions Child education Conditions to send school No conditions Collaboration (local authority ) Part & parcel Individual centered Climate Friendly Livelihoods Conditions to DRR & CCA Individual centered Social coherence Key tool to enhance Individual centered Receive key benefits/interest Community people Third party

Scope of the Microinsurance Facility: 

Scope of the Microinsurance Facility Microinsurance scope - address multi-hazards climate friendly livelihoods food security issues enhance child education reduce domestic violence Enhancement of women leadership the poor don’t buy insurance so no premium working and growing together youth empowerment women becomes decision makers at home and in the community WORKS AS A TOOL FOR BUILDING DRR AND CCA RESILIENT

Lessons from the Microinsurance : 

Lessons from the Microinsurance Empowered gender balanced vulnerable people Reduced domestic violence and enhanced family consultation Reduced school children dropping out Reduced school children dropping out

Progress – Number of Beneficiaries: 

Progress – Number of Beneficiaries

Progress: Capital development: 

Progress: Capital development

Pillars of the Microinsurance towards building Resilience: 

Pillars of the Microinsurance towards building Resilience Microinsurance Conditions : - Participation: consult on risks, challenges, how to reduce Gender: Women take the lead at Home and Community levels Collaboration with Line agency: Annual Climate Adapted Livelihood Livelihoods Farming Calendar Reduce Domestic Violence Send children to school Respect each other Work with Local Authority and Community Develops DRR Action Plan to integrate into CDP and CIP Gender: Lead equal participations

What is NEXT: 

What is NEXT Replicate Share and learn Open to all interested agencies To see how