Annabelle Sulmont’s scientific contributions

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Publications (2)


La microassurance des familles transnationales : une fausse bonne idée
  • Article

September 2014

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5 Reads

Autrepart

Annabelle Sulmont

Migration linked micro-insurance: a false good idea Migrants and their families in Mexico and Latin America are an attractive niche market for microfinance institutions who find it difficult, however, to associate remittances and microcredit for productive investment. The recently introduced micro-insurance scheme specifically targeting them has failed, like other schemes before, despite shifting the paradigm by substituting “vulnerability” for “migration and development”. This sophisticated and inexpensive scheme offering repatriation of the deceased migrant’s body and monthly compensation does not sell. It apparently fails to meet the financial needs of this multilocated financially constrained population for whim remittances are not a fantasy extra income but part of a sophisticated risk management strategy.


La micro-assurance, un nouvel outil dans le secteur de la micro-finance : le cas d'un organisme de micro-finance rurale au Mexique

October 2013

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10 Reads

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2 Citations

Sociologies pratiques

A new tool for the micro-finance sector : micro-insurance. The case of a rural organisation in Mexico Each and every day, micro-finance, a popular Development Aid tool, is increasingly being embraced by the traditional financial market, especially since the disclosure to the public of bankruptcies among well known micro-finance institutions. The recent introduction to the microfinance portfolio of micro-insurance services has hastened this process, readjusting and undermining the professionality of the sector in one fell swoop. The work carried out by the Asociación Mexicana de Uniones de Crédito del Sector Social ( Amucss ) in Mexico, as presented in this article, highlights the upheaval that the introduction of this financial product has brought with it.

Citations (1)


... Or l'appât du gain, plus que la protection réelle des populations, est souvent la motivation principale. Comme le souligne Annabelle Sulmont, la micro-assurance ouvre la voie à une radicalisation de l'insertion de la microfinance dans le secteur privé commercial (Sulmont, 2013 ). Les difficultés croissantes des ONG à obtenir des financements et l'intérêt grandissant de l'aide publique au développement pour ce nouvel outil conduisent certaines d'entre elles à enfreindre leurs propres convictions et à se lancer dans l'aventure. ...

Reference:

La microfinance et ses dérives : émanciper, discipliner ou exploiter ?
La micro-assurance, un nouvel outil dans le secteur de la micro-finance : le cas d'un organisme de micro-finance rurale au Mexique
  • Citing Article
  • October 2013

Sociologies pratiques