Barriers to micro-insurance outreach for pastoralists and crop farmers in rural areas in Kenya

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The book explores the underdevelopment of micro insurance in Kenya, highlighting its lack of immediate benefits compared to micro credit and savings. It examines the slow compensation processes that lead to distrust among citizens. The thesis proposes innovative solutions for integrating micro insurance with micro credit, allowing farmers to use insurance as collateral for loans and enabling them to pay premiums post-harvest. Additionally, it advocates for a mobile application to provide real-time information to farmers, enhancing their creditworthiness and market opportunities.