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首页> 外文会议>2014 International Conference on Science Engineering and Management Research >Micro-insurance: A mechanism for women empowerment through self help group linked LIC
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Micro-insurance: A mechanism for women empowerment through self help group linked LIC

机译：小额保险：通过自助小组联系LIC增强妇女权能的机制

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Micro finance is the process of formation of groups to support the poverty incapacitated people by extending money without any collateral security. Micro finance includes savings accounts, insurance products and credit provided to low income unbanked people to increase their economic status in the society. Micro-insurance is a shelter against the hazards of low-income people in exchange of a premium in proportion with the possibility and cost of risk associated. A micro-insurance policy may be a general or a life insurance and done through Non-Government organizations, Self-help groups and Micro-finance institutions. Life Insurance Corporation of India has three micro-insurance products namely, Jeevan Madhu, Jeevan Mangal and Jeevan Deep. The main objective of this study is to find out the need for micro insurance among unbanked people and to find out whether micro insurance helps the unbanked people to enhance their livelihood. Simple random sampling is adopted for the collection of primary information from 150 respondents from Tiruchirapalli town by administering a questionnaire. The data collected were analyzed with the help of statistical tools like Percentage analysis and Chi-square test using SPSS package. The respondents revealed that joining in SHG linked LIC results in the overall socio-economic empowerment in their individual lives. The study concludes that the LIC should create more awareness among unbanked people to improve their standard of living by bringing them under the beneficial umbrella of micro insurance.
机译：小额金融是组建团体的过程，通过在没有任何抵押担保的情况下扩展资金来支持贫困的无行为能力的人。微型金融包括储蓄帐户，保险产品和提供给低收入无银行账户人士的信贷，以提高他们在社会上的经济地位。小额保险是针对低收入人群的危害的一种庇护所，可以换取与相关风险的可能性和成本成比例的保费。小额保险政策可以是一般保险，也可以是人寿保险，可以通过非政府组织，自助团体和小额信贷机构进行。印度人寿保险公司拥有三种微型保险产品，分别是Jeevan Madhu，Jeevan Mangal和Jeevan Deep。这项研究的主要目的是找出没有银行账户的人对小额保险的需求，并找出小额保险是否有助于无银行账户的人改善生计。通过问卷调查，采用简单的随机抽样收集来自Tiruchirapalli镇的150名受访者的主要信息。借助百分比工具和使用SPSS软件包的卡方检验等统计工具对收集到的数据进行分析。受访者透露，加入SHG链接了LIC，可以提高他们个人生活中的整体社会经济能力。该研究得出的结论是，低收入国家应该通过使无银行账户的人处于小额保险的有益保护之下，从而提高他们的生活水平，从而提高他们的生活水平。

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