{"id":2956,"date":"2020-07-30T21:03:33","date_gmt":"2020-07-30T21:03:33","guid":{"rendered":"https:\/\/revista.isfin.ro\/?p=2956"},"modified":"2020-07-30T21:06:44","modified_gmt":"2020-07-30T21:06:44","slug":"micro-asigurarea-gheorghita-jeni-si-valentin-ionescu","status":"publish","type":"post","link":"https:\/\/revista.isfin.ro\/en\/2020\/07\/30\/micro-asigurarea-gheorghita-jeni-si-valentin-ionescu\/","title":{"rendered":"Micro-insurance - Gheorghita Jeni and Valentin Ionescu"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2956\" class=\"elementor elementor-2956\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3ea04445 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3ea04445\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-70a9c138\" data-id=\"70a9c138\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-18f1fd3b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18f1fd3b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-157c1725\" data-id=\"157c1725\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-66c40fd6 elementor-widget elementor-widget-text-editor\" data-id=\"66c40fd6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>\u00a0Authors: Gheorghita Jeni and Valentin Ionescu<br \/>Vol. 3 \u2022 No. 5 \u2022 November 2018<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-28b5c8b1\" data-id=\"28b5c8b1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-41866262 elementor-position-right elementor-view-default elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"41866262\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a class=\"elementor-icon elementor-animation-\" href=\"https:\/\/revista.isfin.ro\/wp-content\/uploads\/2020\/08\/Valentin-Ionescu_EN_ABS-nr5.pdf\" target=\"_blank\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h6 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<a href=\"https:\/\/revista.isfin.ro\/wp-content\/uploads\/2020\/08\/Valentin-Ionescu_EN_ABS-nr5.pdf\" target=\"_blank\" >\n\t\t\t\t\t\tView Abstract PDF\t\t\t\t\t<\/a>\n\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e7d9597 elementor-position-right elementor-view-default elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"2e7d9597\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a class=\"elementor-icon elementor-animation-\" href=\"https:\/\/revista.isfin.ro\/wp-content\/uploads\/2020\/08\/Valentin-Ionescu_EN-art-nr5.pdf\" target=\"_blank\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h6 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<a href=\"https:\/\/revista.isfin.ro\/wp-content\/uploads\/2020\/08\/Valentin-Ionescu_EN-art-nr5.pdf\" target=\"_blank\" >\n\t\t\t\t\t\tView Article PDF\t\t\t\t\t<\/a>\n\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e684059 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5e684059\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1059dfc2 elementor-widget elementor-widget-text-editor\" data-id=\"1059dfc2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Abstract<\/strong><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ca501ef elementor-widget elementor-widget-text-editor\" data-id=\"2ca501ef\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>In a global financial market dominated by innovation, with the declared tendency of unification and integration of financial markets, we notice that emerging markets are still looking for solutions to accommodate as many segments of the population as possible in a single market, the insurance sector being one of the most active and effervescent sectors in this perspective. In addition to the economic role of corporate insurances, we also meet the social one, without being confused with social insurance, which is the responsibility of governments and state authorities. Therefore, microinsurance is considered to be exactly at the boundary between the two, its stated role being to help and protect the low income population.<\/p><p>\u00a0The purpose of this study is to present the concept of microinsurance and to highlight the differences between this type of insurance and the traditional insurances by presenting some guidelines regarding the positioning on the insurance market, as well as the most important features. The social role of this type of insurance is further emphasized, with details of the most common risks and the way they are presented in the form of \u201dmicroinsurances\u201d.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4990890c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4990890c\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ff803c5 elementor-widget elementor-widget-text-editor\" data-id=\"2ff803c5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Keywords<\/strong>: insurance, microinsurance, microfinance, distribution channels, traditional insurance<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28d6d531 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"28d6d531\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-618df638 elementor-widget elementor-widget-text-editor\" data-id=\"618df638\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>JEL classification<\/strong>: A10, D53, G22<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72f94b26 elementor-widget elementor-widget-eael-creative-button\" data-id=\"72f94b26\" data-element_type=\"widget\" data-widget_type=\"eael-creative-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"eael-creative-button-wrapper\">\n\n            <a class=\"eael-creative-button eael-creative-button--default\" href=\"https:\/\/revista.isfin.ro\/en\/arhiva\/\" data-text=\"\">\n\n                <div class=\"creative-button-inner\">\n\n                    \n                    <span class=\"cretive-button-text\"> BACK <\/span>\n\n                                    <\/div>\n            <\/a>\n        <\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>\u00a0Autori: Gheorghita Jeni \u0219i Valentin IonescuVol. 3 \u2022 Nr. 5 \u2022 Noiembrie 2018 Vizualizare Abstract PDF Vizualizare Articol PDF Abstract \u00centr-o pia\u021ba financiar\u0103 global\u0103, dominat\u0103 de inova\u021bie, cu tendin\u021ba declarat\u0103 de unificare \u0219i integrare a pie\u021belor financiare, observ\u0103m faptul c\u0103 pe pie\u021bele emergente \u00eenc\u0103 se caut\u0103 solu\u021bii de cuprindere a c\u00e2t mai multor segmente de &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/revista.isfin.ro\/en\/2020\/07\/30\/micro-asigurarea-gheorghita-jeni-si-valentin-ionescu\/\"> <span class=\"screen-reader-text\">Micro-insurance - Gheorghita Jeni and Valentin Ionescu<\/span> Read More &raquo;<\/a><\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[167],"tags":[],"yoast_head":"<title>Micro-asigurarea - Gheorghita Jeni \u0219i Valentin Ionescu - Revista de Studii Financiare<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/revista.isfin.ro\/en\/2020\/07\/30\/micro-asigurarea-gheorghita-jeni-si-valentin-ionescu\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Micro-asigurarea - Gheorghita Jeni \u0219i Valentin Ionescu - Revista de Studii Financiare\" \/>\n<meta property=\"og:description\" content=\"\u00a0Autori: Gheorghita Jeni \u0219i Valentin IonescuVol. 3 \u2022 Nr. 5 \u2022 Noiembrie 2018 Vizualizare Abstract PDF Vizualizare Articol PDF Abstract \u00centr-o pia\u021ba financiar\u0103 global\u0103, dominat\u0103 de inova\u021bie, cu tendin\u021ba declarat\u0103 de unificare \u0219i integrare a pie\u021belor financiare, observ\u0103m faptul c\u0103 pe pie\u021bele emergente \u00eenc\u0103 se caut\u0103 solu\u021bii de cuprindere a c\u00e2t mai multor segmente de &hellip; Micro-asigurarea &#8211; Gheorghita Jeni \u0219i Valentin Ionescu Read More &raquo;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/revista.isfin.ro\/en\/2020\/07\/30\/micro-asigurarea-gheorghita-jeni-si-valentin-ionescu\/\" \/>\n<meta property=\"og:site_name\" content=\"Revista de Studii Financiare\" \/>\n<meta property=\"article:published_time\" content=\"2020-07-30T21:03:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-30T21:06:44+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Revista ISF\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/revista.isfin.ro\/#website\",\"url\":\"https:\/\/revista.isfin.ro\/\",\"name\":\"Revista de Studii Financiare\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/revista.isfin.ro\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/revista.isfin.ro\/2020\/07\/30\/micro-asigurarea-gheorghita-jeni-si-valentin-ionescu\/#webpage\",\"url\":\"https:\/\/revista.isfin.ro\/2020\/07\/30\/micro-asigurarea-gheorghita-jeni-si-valentin-ionescu\/\",\"name\":\"Micro-asigurarea - 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