Michal Matul

Michal Matul heads the Knowledge Team of the ILO’s Microinsurance Innovation Facility, a programme funded so far by the Bill and Melinda Gates Foundation, Z Zurich Foundation and AusAid to stimulate innovation in microinsurance. Michal has been focusing for more than ten  years on understanding financial behaviours and improving risk-management options for low-income households. He holds a Master’s degree  from Sciences Po (Paris) in Economic Demography and a PhD in Economics from University of Warsaw.

By Michal Matul

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.