Read e-book online Grassroots Social Security in Asia: Mutual Aid, PDF

By James Midgley, Mitsuhiko Hosaka

ISBN-10: 0415493064

ISBN-13: 9780415493062

Grassroots Social safety in Asia investigates the position of mutual institutions in offering source of revenue safeguard to low-income humans in Asia and specifically the region's constructing international locations. traditionally, those institutions have consisted of small teams of individuals with universal pursuits who retailer on a regular basis to help, continue and complement their earning. contributors make general contributions to a communal fund that's used to supply source of revenue security once they event monetary hardship.

This booklet is the 1st to comprehensively record the actions of mutual institutions and their microinsurance courses in Asia the place those courses are specifically good constructed. It offers a couple of very important case experiences that offer targeted information regarding mutual institutions in several components of the sector, protecting South Asia, Sri Lanka, Thailand, Mongolia, Indonesia and the Philippines. The case experiences supply vital insights into the potential for mutual institutions to provide powerful source of revenue defense and the way their actions can give a contribution to the formula of entire and powerful grassroots social safety thoughts within the constructing global that make a tangible contribution to the aim of poverty eradication and the development of criteria of living.

This e-book could be of curiosity to coverage makers, teachers and scholars within the fields of Asian experiences, Social defense reports and improvement stories.

 

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Extra info for Grassroots Social Security in Asia: Mutual Aid, Microinsurance and Social Welfare

Example text

Although this task still needs to be undertaken, scholarly inquiry into mutual aid has revealed its complexity. While it is helpful to understand mutual aid in terms of the types and features of different associations, the different perspectives discussed here promote a deeper appreciation of its functions, of how it reflects gender realities, provides income protection and meets the financial needs of ordinary people. They also have implications for policy as governments and nonprofit organizations engage in the task of poverty eradication.

Several examples of how this may occur are given in the literature (Dror and Jacquier, 1999; Loewe, 2006). As with commercial insurance, mutual aid may create a moral hazard 32 James Midgley by which some individuals fail to take adequate steps to manage risk in the knowledge that they are protected by others. In addition, in knowing that they will be assisted, they fail to take adequate precautions to prevent risks from occurring. They also tend to rely excessively on cooperative activities. The free-rider problem may also occur by which some individuals benefit from mutual aid without contributing to local cooperative activities efforts.

Scholars such as Morduch (1999, 2006) and Collins and her co-workers (2009) have shown that mutual aid is limited and fragmentary, and does not adequately meet the income protection needs of poor people. Mutual aid is not a panacea but is only one of numerous sources accessed by low-income families as they struggle to cobble together the resources they need to cope with the demands of daily living. Many studies are also candid about the challenges facing mutual aid. Research into burial societies, benefit associations and ROSACs has shown that problems such as fraud, weak leadership and unresponsiveness to members have been encountered.

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Grassroots Social Security in Asia: Mutual Aid, Microinsurance and Social Welfare by James Midgley, Mitsuhiko Hosaka


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