At Shamseya we are seeking the gradual implementation of a deep, community-rooted, dynamic system that accounts for the scarce resources and available infrastructure, is custom-designed and managed by communities, possesses the flexibility to adapt to each communities’ preferences and needs, insures choice of providers, guarantees work sustainability, pushes towards accountability […]
It has been widely agreed upon that healthcare systems left to function according to market forces alone do not result in socially optimal quantity, quality or distribution of healthcare. J.F. Outreville, The health insurance sector: Market segmentation & international trade in health services Yet, in this proposed scheme, the private […]
Sometimes, the risks that an insurance (or micro-insurance) scheme has to deal with become too large to be assumed through one entity. In addition, if micro-insurance schemes group people with different income levels and risk profiles under one pool, it is expected that there will be different micro-insurance units with […]
Rotating Savings and Credit Associations (ROSCAs) are grass-root micro-finance initiatives that are created within communities of families, friends, co-workers or neighbours, to share common resources in order to address the specific timely financial needs of its members. Run on a volunteer, collective base, members of these associations do not sign […]
