ASIAN SEMINAR ON FINANCIAL LITERACY AND INCLUSION September 2012 Financial (Insurance) Literacy and SME s
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1 ASIAN SEMINAR ON FINANCIAL LITERACY AND INCLUSION September 2012 Financial (Insurance) Literacy and SME s Peter Meyer, Vice President Commissioner PT Chartis Insurance Indonesia
2 Financial Literacy Skills and knowledge allowing individuals to make informed and effective financial decisions 2
3 Financial Inclusion Drawing Un-banked and under-banked society segments into the formal financial system Access to: Savings Payments Transfers Credit Insurance 3
4 Insurance Literacy Skills and knowledge allowing individuals to make informed and effective decisions reflecting the potential for unexpected, financially harmful events 4
5 Insurance Concept Known to humankind since time immemorial (stone age hunting parties, caravans, ship convoys) Strength in Numbers Risk and Benefit Sharing 5
6 Traditional (Extended Family) Protection R.I.P. Changed demographics; increased urbanization; new life styles Limited financial resources; reduced birth rates Subjective and vulnerable to limited financial resources and internal feuding 6
7 The Contemporary Solution Institutional Protection: Guarantees equality and deep pockets Operates with predetermined terms and conditions Provides legally binding protection against unexpected financial shocks Offers scientifically (actuarially) developed premium 7
8 Insurance Focus in SME/Entrepreneur Sector Requires needs-reflecting products Value for money Realistic benefits levels Start-up / expansion support (loans) Lifestyle sustainability in case of the unexpected 8
9 I Don t Need Insurance My family will help if needed It won t happen to me My neighbor had a bad experience with his insurance company How can I trust a promise on a piece of paper in return for my money? I always insist on an immediate return No money back guarantee at the end of the contract? 9
10 Yes, You Do! Small business start-ups without insurance risk no second chance There is no credit without insurance Relying on family and friends provides no guarantees It is selfish to ignore the needs of those who rely on a degree of security Insurance means maintaining ones lifestyle, keeping the business, home and the kids in school Having insurance denotes professionalism Insurance helps to sleep soundly 10
11 Needed Insurance Education and Socialization Accelerated industry investment in human capital Special focus on SME / Entrepreneur concerns, questions and needs Transparent / professional handling of insurance involving other financial institutions Increased donor / NGO understanding of insurance and its importance for ultimate social change Collaboration with SME/Entrepreneur focused organizations / angel investors / trade organizations Outreach through traditional and social media Business primer 11
12 Barriers to Insurance Education Insufficient human capital especially in developing markets Appreciation of financial service careers often confined to (perceived) more glamorous sectors Initial industry focus limited to commercial / industrial business (low hanging fruit) Environments outside urban centers causing logistical / expense problems Education wrongly judged as expense rather than investment 12
13 Solutions to Educational Barriers Enhanced socialization of insurance concept Apprenticeship schemes with focus on graduates from informal sector (MAGANG) Outreach to commercial / consumer market segments Application of technology to dissemination of basic insurance knowledge Mandatory prescribed financial contributions to education fund 13
14 Government Support and Responsibilities Regular endorsement of private sector initiative importance Early inclusion of insurance topics into school curriculum Tax benefits for qualifying insurance purchases Guaranteed quality of the regulatory environment Enhanced ease of purchase eliminating dated restrictions and limitations Commitment to cooperation / communication among government agencies (CB/MOF/MOC ) Creation of functioning Mobile Money eco systems 14
15 Financial Inclusion, including insurance, must not be left to evolutionary development. It requires strong commitment and radical change to create and preserve peace, social harmony and the ongoing commitment to democratic values. 15
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