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 | submitted by riseofinsurtech to u/riseofinsurtech [link] [comments] Credit: www.theguardian.com A large majority of poor in developing nations work in informal sectors, with no access to insurance. They cannot afford to buy insurance nor can they access social protection (in health, disability or unemployment cover) provided by employers or co-financed by governments. Across socioeconomic clusters, this group is most vulnerable to financial shocks, and unsurprisingly least protected. Microinsurance offers solutions to fill these gaps and deliver insurance that is affordable to match the needs of the poor. It protects them against specific risks in exchange for regular premium payments as per insurance principles. The risks commonly encompass illness, accidental injury, death and property or crop loss. Started off as community based and mutual insurance schemes, these are now increasingly offered by traditional insurance. A number of players form part of the microinsurance supply chain. Ranging from insurance regulators to carriers, administrators, it comprises delivery channels, technology platform and service providers (such as health facilities or funeral organizations). https://preview.redd.it/aqnyq503c6h51.png?width=667&format=png&auto=webp&s=27cdbcc2f139ed1e575efdfe22348117a6a75cdc The opportunity for micro-insurance varies from region to region. The potential market has been estimated to be 3-4 billion policies generating $30 - $50 billion in annual revenue. The popularity of products is also region dependent, basis the risks which affect the region the most - such as earthquakes in Chile or drought in Kenya. Microinsurers have been most successful in APAC, where two-thirds of the poor are to be found. India and Bangladesh are fastest growing, followed by China and Philippines. The countries in the right side of the below chart have favorable regulatory and business environment, both being vital enabling factors. https://preview.redd.it/nbsdomamc6h51.png?width=804&format=png&auto=webp&s=3ae94962e03bb410c44ce6e298af414e73bda4c7 Microinsurance does not have any single definition as such. In South Africa, for instance, it is considered as a max benefit of R50k per insured life, while in Philippines, its the amount of premium that's less than10 percent of current daily minimum wage rate for non-agri workers. Differences from traditional insurance are:
Microinsurance is likened to be an outgrowth of microfinancing projects developed by Bangladeshi Nobel Prize-winning economist Muhammad Yunus, that helped millions of low-income individuals set up businesses, buy houses. American International Group Inc. (AIG) was one of the first carriers to offer microinsurance and sell policies in Uganda in 1997. It was soon joined by other large insurers including Swiss Re, Munich Re, Allianz and Zurich Financial Services. Today many innovative microinsurance products have been developed to protect the working poor against the financial impact of losses. The growth of microinsurance Despite almost 2 decades of focus on the under and uninsured, microinsurance is estimated to reach just under 300 million people across the developing world, ~10% of the potential market. Partnership is one of the pillars of an effective microinsurance business model, but it is not an easy endeavour. Partners rarely have identical priorities and work with competing constraints which need to be overcome for a successul model. Four business models prevalent as distribution channels are a)partner agent model provider driven model c)charitable insurance model d)mutual/cooperative insurance model The partner-agent is the most common and includes MFIs, NGOs, cooperatives and retailers. It piggybacks on the partners infrastructure and trust, thus helping reduce costs and speeden time to market, facilitating scale. For this model to succeed, partner's staff need to be educated in insurance. Since the partner owns the client interface, the partnership requires intensive management. A good example is Hollard in South Africa that sells inexpensive funeral insurance through budget clothing retail chain Pep Stores. The below chart of distribution mix in four growing microinsurance markets shows finance institutions are among most favorable distribution partners, particularly for MFI partners in India, Indonesia and Philippines. Agents and brokers are also a popular distribution network for microinsurance, followed by retail and commercial networks. https://preview.redd.it/ac53kyd6f6h51.png?width=756&format=png&auto=webp&s=1d2ad3367805f7d38a07700be26982715a18bd7c A key challenge facing microinsurers are availability of products designed to meet customer needs while meeting the carrier's operational and cost requirements. While simpler products are easier to market and administer, they also provide limited benefits. Trade-offs are inevitable and innovation is invaluable. The below figure highlights the prevalence of credit life and life products, understandable as partnership with microfinance institutions is commonly a distribution medium. The high proportion of life insurance signifies the relative simplicity to develop this product. For the market to evolve, however, there is a need to move towards more complex products such as health and agricultural insurance. https://preview.redd.it/eg6m2sgne6h51.png?width=784&format=png&auto=webp&s=eb12edaac6a6282a0bb30c79b0ad24eff8d7f54a Challenges And Need For Innovation When it comes to microinsurance, innovation is more than a response to customer demand for more convenient service - it is usually an operational imperative. Insurers leverage technology with the aim of offering simple, affordable products to mostly illiterate customers in locations difficult to reach. We look below at few examples of carriers and their innovations that helped them overcome challenges. Easy availability of mobile technology has been a major enabling factor in most markets. UAP Insurance in Kenya enables farmers to buy crop insurance by using their mobile phone to send in a photograph of the barcode on a bag of fertilizer or seed, and to pay premiums using M-Pesa mobile banking system. Similarly, real-time connectivity with the carriers' system is an important factor to enable bulk processing and servicing of low-premium policies with minimal user invovlement and at lowest cost. An exmple is IFMR Trust Holdings that works with HDFC Ergo GIC in India to use radio-frequency identification tags on insured cattle to minimize claims fraud. Pay-as-you-go insurance platforms that use cloud technology are a necessary means to achieve an adaptable and extendable microinsurance operating model. Max New York Life in India has extended their virtual network by distributing scratch cards through small retailers. Customers pay premiums by buying a card and texting the concealed code to the insurer. Despite the strides being made by carriers, the operational challenges that continue to derail the best of efforts include:
Among common innovative solutions driven by insurers are index-based insurance, grants from governments and/or donors to develop infrastructure, partnering with weather stations to collect meteorological data, risk-spreading to multinational insurers and reinsurers, and technology to manage fraud. Additionally, new technology enabled partnerships increase the distribution reach of insurance. Peer to peer insurance enables new operational models and product categories. Demand based insurance charges premium per use. Alternative and digital data allow for improved customer knowledge. For example, online consumer retail purchase history can better inform about a potential consumer's risk profile and premium pricing. Leveraging digital infrastructure reduces marginal cost of insurance delivery. e.g. Saldo in Mexico uses blockchain to verify transactions to reduce fraud. Afrisure in Zimbabwe uses satellite data to enable provision of agricultural insurance at scale. Sustainable Profitability Profitability has not been easy to achieve in microinsurance, being a sophisticated offering to most consumers, who mistrust it and cannot easily understand. It is also an emerging area for insurers, who have limited knowledge to underwrite accurately. Over time, these are expected to smoothen out, insurers will learn from early mistakes and build more efficient distribution channels. The key to profitability might just lie in the business model. In order to be profitable, a low margin/high volume philosophy will be the preferred path. Microinsurers will have a compelling need to price products accurately with low margins, and then sell large volumes. The challenges will manifest in that voluntary insurance products sold on an individual basis will be more expensive to distribute and service than mandatory group polices linked to loans. Nevertheless, as carriers manage to maintain growth in revenue greater than growth in incremental costs, they will derive profitability through scale. |
 | Oil prices rose to their highest in more than week. submitted by idealstockinvestment to u/idealstockinvestment [link] [comments] HDFC Bank, TCS and Kotak Mahindra Bank were among the top losers. https://preview.redd.it/7ivk0zui7vb41.jpg?width=666&format=pjpg&auto=webp&s=0dcaade2c9d64df58b804c7524d413b56815ddc5 Indian markets gave up most of their early gains after setting new highs in early trade. The Nifty hit 12,400 level for the first time when it rose 78 points to 12,430 at day’s high. The Sensex rose over 300 points when touched 42,273 in early trade. However, Sensex and Nifty later pared most of their early gains to turn flat as a surge in oil prices hurt the sentiment. HDFC Bank, TCS and Kotak Mahindra Bank were among the top losers, down between 0.5% and 1%. Crude has again raised its ugly head today with fresh issues cropping up in Iraq and Libya. The Nifty is discounting the solid results of RIL and other Nifty constituents, HDFC Securities said in a note. Reliance Industries reported a 13.5% rise in quarterly net profit, led by strong performance of its consumer-facing businesses and robust refining margin. HDFC Bank reported a 32.8% growth in net profit year-on-year to Rs. 7,416.5 crore for the third quarter ended December 31 driven by interest and non-interest income. Oil prices rose more than 1% today on supply concerns after exports from Libya, which has been riven by fighting between rival factions since a 2011 NATO-backed uprising, were blocked after a pipeline was shut down by armed forces. And in Iraq, which is OPEC’s second biggest producer, a strike at a key oil field hit output. Siddhartha Khemka, head of retail research at Motilal Oswal Financial Services, says Nifty has major support at 12150 levels. On the flipside, resistance is placed in the zone of 12,450-12,500, he added. Asian markets were mostly higher today as the mood remained optimistic after the last week’s signing of China-US trade pact. China’s GDP data, which was released on Friday, also provided some reassurance to traders, indicating a growth slowdown in the world’s number two economy may have bottomed out. Watch our Stock Market Target Calls Quality, Track sheet – Click Here or Subscribe us for Stock Market Trading >>>> Stock Cash Tips |
 | Bharti Airtel gained 1% after the company’s losses narrowed on quarter. submitted by idealstockinvestment to u/idealstockinvestment [link] [comments] Investors await the next bi-monthly policy statement, due on 6 February. https://preview.redd.it/7zy4vwzyy1f41.jpg?width=620&format=pjpg&auto=webp&s=eeb8ee361cae02f95ee0709ce447111d759d1142 Indian equity markets on Wednesday had opened little changed but soon rose nearly 0.4% led by gains in auto and banking stocks. At 9.40am, the benchmark Sensex was up 0.4% or 174.50 points to 40963.88, while Nifty gained 0.41% or 49.5 points to 12029.10. Most auto stocks gained at open, buoyed by the monthly sales data, which was in line with expectations. Tata Motors, Ashok Leyland, M&M, Apollo Tyres, Bajaj Auto gained 1-4%. TVS Motors gained 5%. Among banking stocks, Axis Bank, Federal Bank, RBL Bank, Indusind Bank, SBI, HDFC Bank, Kotak rose 0.4-1.22%. Index heavyweight Bharti Airtel gained 1% after the company reported narrowing of its losses quarter-on-quarter. For October-December, the telecom major reported a loss of ₹1,035 crore, less than the ₹23,145.60 crore loss posted in the September quarter. Investors now await the next bi-monthly policy statement, due on 6 February, with the market keenly eyeing commentary on inflation and growth forecast. The RBI is widely expected to stand pat on rates, with the repo rate unchanged at 5.15% due to inflation trending higher, a Mint survey has found. On Tuesday, the market had surged nearly 900 points largely because of fall in crude oil prices and improvement in manufacturing PMI data. “We believe the budget has been a non-event and belied the lofty expectations. The government, however, has tried to balance growth concerns and fiscal prudence while providing relief to several segments e.g. tax relief for the middle-class and abolition of DDT. We believe the market’s focus should now revert to fundamentals, viz. corporate earnings growth and global cues around the spread of Coronavirus”, said Motilal Oswal Research in a report to its investors. The Indian rupee had opened marginally higher at 71.21 against the US dollar, up from its previous close of 71.27. The 10-year bond yield was marginally up at 6.516% compared with its previous close of 6.505%. Asian stocks were steady with positive bias, while overnight, the Nasdaq hit a record high and the S&P 500 had its best day in six months as fears of a significant economic impact from the coronavirus epidemic tapered off after China’s central bank intervened for the second straight day. China injected 1.7 trillion yuan ($242.74 billion) via reverse repo on Monday and Tuesday, helping Chinese stocks recover some losses and lifting the world equity index . The stimulus boosted investor sentiment even as several economists cut forecasts for 2020 global growth as the fast-spreading virus hampers business operations in the world’s second-largest economy. Watch our Stock Market Target Calls Quality, Track sheet – Click Here or Subscribe us for Stock Market Trading >>>> Stock Cash Tips |
 | submitted by idealstockinvestment to u/idealstockinvestment [link] [comments] https://preview.redd.it/mk6con6v1vb41.jpg?width=1600&format=pjpg&auto=webp&s=9f8fdf891b72fba87e7cfab8496c80bb01c66067 RIL: The index heavyweight, after market hours on Friday, announced its earnings for the December quarter. The Mukesh Ambani-led company reported the highest-ever quarterly consolidated net profit of ₹11,640 crore for the third quarter, an increase of 13.5% year-on-year (YoY), against ₹10,251 crore reported in the same quarter of the previous financial year. TCS: The IT major, after market hours on Friday, announced its December quarter results. The company reported tepid growth numbers, with net profit rising just 0.2% on year to ₹8,118 crore. This was marginally higher than ₹8,105 crore reported in the corresponding year last fiscal. The company saw a 6.7% increase in revenue to ₹39,854 crore for the reporting quarter. HDFC Bank: Thr private lender, which reported its third quarter numbers on Saturday, saw a 33% growth in net profit. However, the bank’s asset quality weakened and provisions for bad loans rose. The bank, which is also an index heavyweight, posted a net profit of ₹7,416.5 crore, compared with ₹5,585.9 crore in the same period last fiscal. Its net interest income increased by 12.7% on year to ₹14,173.9 crore. Kotak Mahindra Bank: Investors may watch this space as the private bank will announce its earnings for the December quarter today. Separately, another private lender Federal Bank will also report its numbers for the third quarter. HCL Technologies: The IT company announced its earnings for the third quarter post Friday’s market hours. The company’s net profit and revenue growth touched an all-time high. While profit rose 16.3% on year to ₹3,037 crore during the said quarter, revenue was up 15.5% at ₹18,135 crore. Lupin: The pharmaceutical company on Saturday said it received five observations from the US Food and Drug Administration for its Vizag facility in Andhra Pradesh. The inspection of the company’s Vizag API manufacturing unit by the US regulator was completed. The observations were not listed in the press statement released by the firm. GMR Infrastructure: The company on Saturday said it won a contract to develop, operate and manage duty-free shops at Kannur International Airport in Kerala. Separately, the Supreme Court, after a year, allowed resuming the construction of a greenfield airport at Mopa in Goa. The construction of the Mopa airport has been taken up by GMR Airports Ltd, a subsidiary of GMR Infrastructure Ltd, that manages Delhi and Hyderabad international airports. L&T Finance Holdings: The company, after market hours on Friday, reported a marginal 1.8% YoY rise in its consolidated net profit to ₹591.5 crore during the December quarter. The company had posted net profit of ₹580.9 crore in the same period last year. Cyient: The company’s third-quarter profit grew by 10.4% sequentially to ₹107.6 crore on revenue of ₹1,105.9 crore. Rupee revenue fell 4.6% from ₹1,158.9 crore in the September quarter, while dollar revenue declined 5.5% quarter-on-quarter to $155.2 million in the quarter ended December. DLF: The National Company Law Appellate Tribunal (NCLAT) directed the real estate firm to register transfer of its 60,000 shares to the legal heirs of one of its deceased shareholders and imposed penalty of ₹5 lakh for harassing the investor. A three-member bench observed that DLF Ltd repeatedly insisted for affidavit and indemnity bond despite having a Letter of Administration for succession. Watch our Stock Market Target Calls Quality, Track sheet – Click Here or Subscribe us for Stock Market Trading >>>> Stock Cash Tips |
 | submitted by idealstockinvestment to u/idealstockinvestment [link] [comments] https://preview.redd.it/5mgswx6reh941.jpg?width=1600&format=pjpg&auto=webp&s=9bd2290e7e9ada53028db76915f51bd161c37771 NTPC : The state-owned company sought two-to-three-year extension of deadline to install emission-cutting equipment at some plants, according to a Reuters report. The request means that one of India’s biggest power producer is pressuring the Centre to delay emissions targets for a second time, citing costs and technical difficulties. Infosys : Asia’s second largest IT services company will announce its earnings for the third quarter ending December on Friday. Shares of the company were under pressure on Tuesday ahead of its earnings. The stock ended down nearly 1.5% at ₹727.75 on the BSE on Tuesday. Investors may continue to watch this space in today’s trade. Gujarat Gas : Credit rating agency Crisil reaffirmed long-term rating for the company’s bank loan facilities worth ₹2,350 crore at AA+ with a stable outlook. Crisil’s rating for term loan from HDFC Bank Ltd and State Bank of India was at AA+ with a stable outlook for the gas company. Adani Ports : Acquisition of Krishnapatnam Port Company Ltd (KPCL) by Adani Ports and Special Economic Zone Ltd (APSEZ) will increase the latter’s market share and diversity, Moody’s Investors Service said on Tuesday. APSEZ will acquire 75% stake in debt-laden KPCL located in Andhra Pradesh for ₹5,625 crore in an all-cash deal. NBCC : The state-owned building construction company, after market hours on Tuesday, said it secured business worth of ₹1,090.53 crore during December 2019. Realty Firms : Home sales improved marginally in 2019, while office leasing hit a record high during the year despite the overall slowdown in the economy and weak consumer sentiment, according to a report by property consultancy firm Knight Frank India. The residential segment saw a growth of 1% to 245,861 units in 2019. Mahindra & Mahindra : The auto company, after market hours on Wednesday, said credit rating agency CARE reaffirmed long-term rating on bank loan facilities at AAA with a stable outlook. The short-term rating was reaffirmed at A1+ by the agency. RBL Bank : Six employee unions will go on a nationwide bank strike today due to various demands and issues. In a regulatory filing after market hours on Tuesday, the private lender said the strike, that will take place at an industry level due to the demands made, may affect the operations of some branches of the bank. Separately, state-owned Corporation Bank also said its operations may get affected due to the strike. Thomas Cook India : The travel and leisure company said it has entered into a long-term agreement with Experience Hub, the trade and promotion arm of Yas Island Abu Dhabi. The pact will boost tourism at the destination and will further engage the India market for the destination in 2020. Muthoot Finance : The company, in a regulatory filing on Tuesday, said Managing Director George Alexander Muthoot was mercilessly attacked by criminals at the instance of Centre of Trade Unions (CITU), while he was on his way to the headquarters of the company in Kochi on Tuesday. Watch our Stock Market Target Calls Quality, Track sheet – Click Here or Subscribe us for Stock Market Trading >>>> Stock Cash Tips |
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 | https://preview.redd.it/izckk7qxlgo21.jpg?width=1439&format=pjpg&auto=webp&s=3780d4b2597df80e745d6a4c147de8ebbe86d4cb submitted by priyakadam137 to u/priyakadam137 [link] [comments] Global Automotive Financing Market 2018 research report provide the details about industry overview and analysis about size, share, growth, trend, demand, outlook, classification revenue details, competitive scenario, industry analysis, markets forecast, manufacturers with development trends and forecasts 2025. Get Sample Copy of this Report @ https://www.acquiremarketresearch.com/sample-request/5106 Automotive FinancingIndustry Report is designed to provide Industry Experts and Investors with detail overview of Automotive Financing Market report, which will help them to take decisions with respect to Key Players, Regions, Manufacturers, Types and Trend etc. This report gives a detail insight for a period of 2018-2025 Research Report. Global Automotive Financing Industry report provides a basic overview of the industry including definitions, classifications, applications and industry chain structure. The Automotive Financing industry analysis is provided for the international markets including development trends, competitive landscape analysis, and key regions development status. Complete report Global Automotive FinancingMarket spreads across 111 pages profiling 22 companies and supported with tables and figures , Inquire more about this report @ https://www.acquiremarketresearch.com/industry-reports/automotive-financing-market/5106/ Top Key Companies Analyzed in Global Automotive FinancingMarket are - Bank of America, Ally Financial, Hitachi Capital Asia-Pacific, HDFC Bank, HSBC, Industrial and Commercial Bank of India, Bank of China, Capital One, Wells Fargo, Toyota Financial Services, BNP Paribas, Volkswagen Finance, Mercedes-Benz Financial Services, Standard Bank, Banco Bradesco Financiamentos Firstly, this report focuses on price, sales, revenue and growth rate of each type, as well as the types and each type price of key manufacturers, through interviewing key manufacturers. Second on basis of segments by manufacturers, this report focuses on the sales, price of each type, average price of Automotive Financing, revenue and market share, for key manufacturers. Development policies and plans are discussed as well as manufacturing processes and cost structures are also analyzed. This report also states import/export consumption, supply and demand Figures, cost, price, revenue and gross margins. Purchases this Report @ https://www.acquiremarketresearch.com/enquire-before/5106 By Type: OEMS, Banks, Financial Institutions, Others By Application: Loan, Lease, Others The Main Contents of The Report Includes: Section 1: Product definition, type and application, Global market overview. Section 2: Global Market competition by company. Section 3: Global sales revenue, volume and price by type. Section 4: Global sales revenue, volume and price by application. Section 5: United States export and import. Section 6: Company information, business overview, sales data and product specifications. Section 7: Industry chain and raw materials. Section 8: SWOT and Porter's Five Forces. Section 9: Conclusion. Major Points from Table of Contents – 1 Market Overview 2 Global and Regional Market by Company 3 Global and Regional Market by Type 4 Global and Regional Market by Application 5 Regional Trade 6 Key Manufacturers 7 Industry Upstream 8 Market Environment 9 Conclusion About Acquire Market Research: Acquire Market Research is a shrine of world-class research reports from around the world and we offer you only the best in the Industry when it comes to research. At Acquire, every data need will be catered to and met with a powerful world of choices. "We understand the integral role data plays in the growth of business empires." Simplified information that applied right from day to day lives to complex decisions is what a good research methodology proves to be. At Acquire Market Research we constantly strive for innovation in the techniques and the quality of analysis that goes into our data, because we are aware of the cascading impact that right and wrong information can have on a global level from overall businesses to people. We help you get access to exclusive quality data that specializes in Industry analysis, forecasts and trends covering all verticals. We believe in this competitive global scenario, the right data helps businesses excel and keep adrift with the ever- changing markets. Contact Us: 555 Madison Avenue, 5th Floor, Manhattan, New York, 10022 USA Phone No.: +1 (800) 663-5579 Email ID: [[email protected]](mailto:[email protected]) |
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