Aparna Dalal

Aparna Dalal works for the Facility Knowledge Team. Prior to this, she was a management and technology consultant with Deloitte and then the Director of Special Projects at the Financial Access Initiative where she led its microinsurance research initiative.

By Aparna Dalal

Blog

Why People Don’t Buy Microinsurance

Several factors influence a household's decision to buy microinsurance. A review of over 30 studies shows that trust and liquidity constraints are amongst the most important determinants while understanding demand of microinsurance products.
Blog

What Do Clients Really Want from Insurance?

Some say that insurance does not have a natural ‘fit’ with financial behaviors of low-income households, given that benefits are deferred in time and limited to just those few who claim. But, the shocks experienced by those lacking good risk-management tools have such devastating effects on livelihoods, that it is important not to abandon insurance as a development tool only because the ‘fit’ is not obvious.