Insurance Market Analysis
Demand insights
Coping strategies all ex post
☐ No savings to fall back on
☐ Loans:
family & friends first call
Advances from employers or clients
Credit cards
Consigned credit
Productive credit
□ Donations/"listas"
☐ Caixinhas
☐ ROSCAS (Sorteio)
"It is a great mistake for us not to have
savings"
"If I can, I borrow from my sister. I repay
her as I can. Sometimes, I don't even
repay the full amount. We forget about it,
and don't worry about it. But if she can't
pay a bill, I'll pay it for her, and if I can I'll
still lend her more."
"I immediately think of my credit card. I
draw from it straight away, without having
to explain myself to anyone. I just cannot
delay the repayment, because the
interest is so high I'll lose my shirt."
"If someone has a problem, they can
negotiate an exchange with the winner.
So they take the money, and then when
their names are drawn, they repay the
person that made the exchange with
them."
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