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In order to protect low-income populations and expand their market share, insurance companies have been developing insurance products for several years for those who are on the margins of the traditional insurance system. This mechanism, which aims to extend insurance to almost all social strata, is called microinsurance. In order to draw implications for the development of this other form of risk protection, this book aims to empirically identify the factors that influence the demand for microinsurance based on a random sample taken in the city of Douala in Cameroon. An exploratory analysis…mehr

Produktbeschreibung
In order to protect low-income populations and expand their market share, insurance companies have been developing insurance products for several years for those who are on the margins of the traditional insurance system. This mechanism, which aims to extend insurance to almost all social strata, is called microinsurance. In order to draw implications for the development of this other form of risk protection, this book aims to empirically identify the factors that influence the demand for microinsurance based on a random sample taken in the city of Douala in Cameroon. An exploratory analysis using the Chi-square test, followed by a logistic regression, allowed us to determine that income, gender and ethnicity positively influence the demand for microinsurance. However, the male gender and the level of education have a negative influence on the probability of requesting microinsurance.
Autorenporträt
E. MANGA ENGAMA, professora na ESSEC, Universidade de Douala (Camarões), tem um doutoramento em Economia. A sua investigação centra-se em questões de desenvolvimento. F. S. AYISSI KOFFI tem um mestrado em Finanças e é gestor responsável pelas contas-chave e pela rede comercial na SUNU Assurances Vie Cameroun.