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2019 | OriginalPaper | Buchkapitel

13. Micro-insurance and Community Engagement

verfasst von : Rajneesh Chowdhury

Erschienen in: Systems Thinking for Management Consultants

Verlag: Springer Singapore

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Abstract

In 2018, I published a paper with Dr. Nihar Jangle (Advisor, Climate Risk Insurance, GIZ Germany) in the Global Journal of Flexible Systems Management, in which we introduced a conceptual framework for the application of Critical Systems Thinking (CST) in micro-insurance from a community engagement perspective (Chowdhury and Jangle in Global Journal of Flexible Systems Management 19:209–224, 2018). This followed an overall literature research that revealed that there was no previous research on approaching micro-insurance from a CST perspective; neither was there any evidence of the formal application of CST in design and implementation of micro-insurance schemes. Our framework was inspired by flexibility in systems design. Application of CST enables the system to be consciously agile and flexible so that it is adaptive and sustainable for the long run. We took the micro-insurance deployment model of the Micro-insurance Academy (MIA) in India as a reference for our work. The case in discussion here is community-based micro-insurance. Community-led insurance models facilitate creation of a monetary corpus that can support families against unforeseen circumstances. The community underpins the success or failure of such models due to their very nature of operations. CST can lend a strong perspective for design and implementation of community engagement frameworks for micro-insurance due to its focus on challenging boundaries, application of flexible intervention methods and the innate desire to work towards the betterment of people. In this chapter, I will present a critique of the arguments put forward in the paper mentioned above. I shall revisit the conceptual model that was earlier proposed in light of more recent deliberations I have had with the Founder of MIA, Dr. David Dror, and his colleagues. My discussions in this chapter will highlight a more qualified case for community engagement in micro-insurance; I will also discuss how the existing MIA model brings together a seamless combination of both hard and soft systems to address some of the most pressing socio-economic issues that exist in rural India. My discussions will reiterate the necessity of a CST approach for successful community-based micro-insurance schemes.

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Metadaten
Titel
Micro-insurance and Community Engagement
verfasst von
Rajneesh Chowdhury
Copyright-Jahr
2019
Verlag
Springer Singapore
DOI
https://doi.org/10.1007/978-981-13-8530-8_13