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Insurance

Mobile money: A foundation for food security

“Food security exists when all people, at all times, have physical and economic access to sufficient, safe and nutritious food to meet their dietary needs and food preferences for an active and healthy life.” (FAO, 1996) Let me begin by explaining that I am not a food security expert but ...

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Creating value for all: Strategies for doing business with the poor

The Growing Inclusive Markets Initiative responds to a need for better understanding of how the private sector can contribute to human development and to the Millennium Development Goals. Led by UNDP, the initiative was conceived in 2006 after the success of Unleashing Entrepreneurship: Making Business Work for the Poor—the 2004 ...

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The financial inclusion assemblage: Subjects, technics, rationalities

This article introduces financial inclusion as a global assemblage of subjects, technics, and rationalities that aim to develop poor-appropriate financial products and services. Microfinance forms the foundation, but also the boundary of the assemblage, which is premised on the assumption that the 2.7 billion poor people in the world who ...

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Serving the world’s poor, profitably

Improving the lives of the billions of people at the bottom of the economic pyramid is a noble endeavour. It can also be a lucrative one. ...

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The next four billion: market size and business strategy at the base of the pyramid

Four billion low-income consumers, a majority of the world’s population, constitute the base of the economic pyramid. New empirical measures of their aggregate purchasing power and their behavior as consumers suggest significant opportunities for market-based approaches to better meet their needs, increase their productivity and incomes, and empower their entry ...

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Segmenting the Base of the Pyramid

To succeed, you’ll need to link your commercial interests with your constituencies’ well-being. ...

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Is the Bottom of the Pyramid really for you?

Searching for that pot of gold in the world’s most challenging markets may not be worth your company’s while. Here’s how to make that call. ...

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Lessons for successful BOP marketing from Caracas’ slums

Purpose - The purpose of this paper is to explain how leading firms can profitably serve poor consumers by targeting the urban bottom of the pyramid (BOP) with appropriate marketing practices. Design/methodology/approach - The approach taken is an integrative analysis of existing literature and new cases. Findings - The urban ...

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Market-minded development

Over the past nine years, Acumen has deployed $48.6 million across 50 investments (35 of which are active) in the health, energy, housing, agriculture, and water industries in East Africa, India, and Pakistan. Its global health portfolio is the largest, accounting for roughly 55% of the fund. The nonprofit ...

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The Janus face of insurance in South Africa: From costs to risk, from networks to bureaucracies

This study examines the consequences of the rapid and unprecedented expansion of insurances for the poor in South Africa. Over the last ten years, South African insurance companies established a myriad of policies in order to incorporate the previously excluded, mostly African, poor and lower middle classes. While poverty, violence ...

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