Risk, coping mechanisms, and factors in the demand for micro- insurance in Ethiopia

Tadesse, Million

doi:10.5897/jeif11.143

Cited by 12 publications

(9 citation statements)

References 11 publications

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“…Often they would not let people beyond their family circle use their cart because of the financial implications, such as the expense of replacing a tire. Research on the use of micro-insurance in Ethiopia reveals that those who are the poorest of the poor are excluded from these schemes due to lack of funds required in order to participate (17). This finding supports the participant's claims that donkeys are a pathway out of extreme poverty and provides them with enough income generation that allows their participation in these savings and credit schemes.…”

Section: Donkeys As Generators Of Incomementioning

confidence: 63%

“…Non-donkey owners who continue to borrow donkeys for longer lengths of time risk being viewed as dependents, in contrast to those who borrow donkeys for an interim period to earn enough money to buy another donkey; this latter group are not viewed as dependents but as ones who have fallen on hardship. This type of borrowing arrangement of livestock after a shock or loss has been supported by micro-insurance research conducted by Tadesse and Brans (17) and Tadesse (21).…”

Section: The Relationship Between Donkeys and Social Statusmentioning

confidence: 72%

“…The income generated by participant donkey owners/users was typically spent or saved for family or household needs such as buying food stuffs from the market, purchasing additional livestock, or equines, buying school materials for children, repairing or building homes, and/or participating in the weekly or monthly community based saving schemes called Iddir and Iqqub. Iddir is a traditional community savings, credit, and insurance cooperative that is designed with the main goal of providing members and their families with assistance in the event of death, illness or unemployment or for member weddings (17). Iqqub is an informal savings and credit scheme whereby members contribute a fixed amount of money weekly, bi-weekly or monthly, the Iqqub sum is then given in rotation to the participants each collection time (17,18).…”

Section: Donkeys As Generators Of Incomementioning

confidence: 99%

“…Iddir is a traditional community savings, credit, and insurance cooperative that is designed with the main goal of providing members and their families with assistance in the event of death, illness or unemployment or for member weddings (17). Iqqub is an informal savings and credit scheme whereby members contribute a fixed amount of money weekly, bi-weekly or monthly, the Iqqub sum is then given in rotation to the participants each collection time (17,18). Iqqub and Iddir can help participants purchase animals, including donkeys, and build and repair homes.…”

Section: Donkeys As Generators Of Incomementioning

confidence: 99%

“…In the event of a larger shock such as a large loss of livestock, the community will contribute animals from their own herds to help that household recover (17). Similarly, donkey owners will lend non-donkey owners their carts to assist them in generating income or completing their tasks.…”

Section: Donkeys As Generators Of Incomementioning

confidence: 99%

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Understanding the Attitudes of Communities to the Social, Economic, and Cultural Importance of Working Donkeys in Rural, Peri-urban, and Urban Areas of Ethiopia

et al. 2020

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Working donkeys (Equus africanus asinus) are vital to the development and support of people's livelihoods in rural, peri-urban, and urban areas of Ethiopia. However, despite their critical role in providing transport, food security, and income generation to some of the poorest and most marginalized households, donkey contributions to human livelihoods have been largely unexplored. Donkey users, veterinary surgeons, business owners, and civil servants were interviewed to investigate the role humans play in shaping donkey lives while furthering our understanding of the social and economic impacts of working donkeys to human lives. Findings are discussed through seven guiding themes; donkeys as generators of income, the relationship between donkeys and social status, donkeys and affect, empowerment through donkeys, the role of donkeys in reducing vulnerability and encouraging resilience, donkey husbandry, and gender dynamics all of which gave a broader and richer insight into the value of donkeys. Donkeys are an important support in rural, peri-urban, and urban settings through the creation of economic security, independence, and participation in local saving schemes. In addition, donkeys provide social status, empowerment to marginalized groups such as women and the very poor and provide a sense of companionship. Whether the interviewee was a donkey user or a key informant appeared to influence their views on donkeys and their welfare, as did their location. The variations in views and practices between urban and rural settings suggests that assessing the socioeconomic value of donkeys in different locations within the same area or country is critical, rather than assuming that similar views are held between compatriots. Despite their centrality to many people's lives in Ethiopia, working donkeys often hold lowly status, are misunderstood, and given little husbandry and healthcare.

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Section: Donkeys As Generators Of Incomementioning

confidence: 63%

Section: The Relationship Between Donkeys and Social Statusmentioning

confidence: 72%