Grassroots Social Security in Asia: Mutual Aid, by James Midgley, Mitsuhiko Hosaka
By James Midgley, Mitsuhiko Hosaka
Grassroots Social protection in Asia investigates the position of mutual institutions in offering source of revenue safeguard to low-income humans in Asia and particularly the region's constructing nations. traditionally, those institutions have consisted of small teams of individuals with universal pursuits who shop usually to aid, hold and complement their earning. contributors make general contributions to a communal fund that's used to supply source of revenue safeguard after they adventure monetary hardship.
This e-book is the 1st to comprehensively record the actions of mutual institutions and their microinsurance courses in Asia the place those courses are in particular good built. It offers a couple of very important case reports that supply particular information regarding mutual institutions in numerous elements of the area, masking South Asia, Sri Lanka, Thailand, Mongolia, Indonesia and the Philippines. The case stories provide vital insights into the possibility of mutual institutions to provide potent source of revenue safeguard and the way their actions can give a contribution to the formula of entire and powerful grassroots social defense innovations within the constructing global that make a tangible contribution to the objective of poverty eradication and the development of criteria of living.
This e-book could be of curiosity to coverage makers, lecturers and scholars within the fields of Asian reviews, Social safeguard reviews and improvement reviews.
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Additional info for Grassroots Social Security in Asia: Mutual Aid, Microinsurance and Social Welfare
It was noted earlier that the term was originally associated with the provision of medical care by both nongovernmental and statutory agencies. Using the insurance principle, these organizations targeted poor families and charged small premiums usually to cover a limited range of health needs. The use of insurance as a funding mechanism has become more popular in recent times as governments around the world have retrenched public spending on health care. Although many were previously committed to the principle of providing free medical services, indebtedness and economic difficulties have severely impeded their ability to do so.
The formalization of mutual aid has also taken place as a number of grassroots associations have themselves adopted formal operating procedures, and gradually evolved into well-established nongovernmental organizations. CARD-MBA, which is discussed in Chapter 4, is just one example of this trend. Known as the Center for Agricultural and Rural Development, the organization began as a small mutual association for landless agricultural workers in the Philippines and it has since grown into a very large and highly organized entity.
At about the time when Townsend’s work was published, other economists were systematically studying the way poor families in the Global South cope with adversity. Dercon (2005) has summarized much of this research, showing that these families employ a variety of strategies both prior to experiencing income shocks and at the time when these shocks occur. He points out that they seldom passively accept the consequences of risk. These strategies include the practice of diversifying sources of income so that when a contingency affecting one income source arises 26 James Midgley the family has another source on which to draw.