Critical Systems Thinking Towards Enhancing Community Engagement in Micro-insurance

摘要

This paper attempts to build a conceptual framework for community engagement in micro-insurance scheme design and deployment. The framework is founded on critical systems thinking literature that introduces the characteristics of openness, flexibility, and agility. The authors have focused on a community-led micro-insurance model, where the nature of the engagement itself underpins the success or failure of a scheme, due to their very nature of operations. Select systems thinking tools are introduced to better understand issues that arise in enhancing community engagement and flexibility, both of which are regarded as a critical aspect in the development of micro-insurance schemes. Reference and learning are drawn from an on-ground scheme in India implemented by the Micro Insurance Academy. The second author of this paper was the lead for this scheme. This is a proposed framework and is yet to be tested on ground.