Examinando por Materia "Microseguros"

Mostrando 1 - 2 de 2
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    Publicación
    Inclusión financiera a través de microseguros en Colombia
    (Universidad EAFIT, 2019) Escobar Villegas, María Susana; Betancur Betancur, Daniel
    This work aims to analyze the penetration of microinsurance in emerging economies and transfer the findings to the particular Colombian case. Special emphasis will be placed on the factors that make the business financially viable, and the motivators and channels that would make people acquire microinsurance. This financial inclusion solution seeks to have a real impact on people's lives through the use of microinsurance in the ignored strata for this industry. Fintech concepts will also be incorporated, proposing alternatives and tools that make it possible to reduce costs and to increase the consumption of microinsurance according to business models developed in countries with similar characteristics to those of Colombia.
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    Publicación
    Microseguro para contingencias que implican aislamiento
    (Universidad EAFIT, 2023) Miranda García, Nathalia; Ramírez Bedoya, Juliana; Peña Higuavita, Germán Adolfo
    The general objective of the present document is to present the design of the financial structure of a protection microinsurance in contingency situations that imply isolation, focused on impoverished population segments that are engaged in informal employment in Pereira. To achieve this, a systemic structure was proposed, that begins with a bibliographic review, characterization and diagnosis of the target population, then financial projections, sales statistics and average premiums was made, through Bayesian credibility as an instrument for establishing the premium. The initial diagnosis allowed to do a humanized x-ray of street vendors in Pereira, their financial dynamics and the pertinent market study for access to microinsurance, with elements of financial inclusion. Financial projections through Bayesian credibility theory adapted to the universe of microinsurance establishes alternative models for the identification of premiums, considering collective premiums as a unit of measurement and approach. Ultimately, the document shows that a pedagogical contribution is necessary for the introduction of families in the financial universe, for this reason it proposes an educational act in the sales process with the capacity to sustain and encourage itself in the post-sale process.