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Financing Sanitation, Paper Series I-4

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===FINANCING SANITATION PAPER SERIES #3===

<font size="4" color="#696969">Deepening Financial Inclusion: The potential role of micro insurance in driving sanitation</font>

[[Image: financing papers3.png|right|200px]]

In this paper we describe: (1) the possible role of micro insurance in development in general and in sanitation in particular; (2) the micro insurance work that we had done under FINISH, and (3) what we see as way forward particularly in relation to the FINISH programme in Kenya. This paper is the most difficult of the financing sanitation papers as we have experienced a rough and as of yet incomplete journey to achieve our objective of linking micro insurance to sanitation. Particularly as healthcare products limited to hospitalization somehow did not meet the FINISH requirements adequately. On the positive side, DGIS has been very supportive in our quest to make this vital link and we are not easily giving up on this ourselves.

====Micro insurance====

Microinsurance has a special place in financial inclusion as it protects wealth of low income people against specific perils in exchange for regular payments (premium) proportionate to the likelihood and cost of risk involved. It does this through sharing the risk in the target market so that premiums remain affordable yet equitable. In general, insurance is administered in two ways: Retailing individual insurance or through group insurance schemes. Both have their own nuances and their relative advantages and disadvantages.

'''Download''': [http://waste.nl/en/product/deepening-financial-inclusion Deepening Financial Inclusion: The potential role of micro insurance in driving sanitation]

===FINANCING SANITATION PAPER SERIES #4===

Winona

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