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Microinsurance is the protection of low-income people (defined as those living on more than approximately $1 but less than $4 per day [1]) against specific perils in exchange for regular premium payment proportionate to the likelihood and cost of the risks involved.
Flooding resulting from Hurricane Katrina. Nationwide, only 20 percent of American homes at risk for floods are covered by flood insurance. [2] Most private insurers do not insure against the peril of flood due to the prevalence of adverse selection, which is the purchase of insurance by persons most affected by the specific peril of flood.
Bahasa Indonesia is sometimes improperly reduced to Bahasa, which refers to the Indonesian subject (Bahasa Indonesia) taught in schools, on the assumption that this is the name of the language. But the word bahasa (a loanword from Sanskrit Bhāṣā) only means "language."
Pancasila discourse during reformation has been colored by political antagonism of between radical Islamism by bold statements such as “Pancasila is in contradiction with Islam” and “those who follow the Pancasila will perish” and secular nationalist who says that “Pancasila adalah harga mati” (Pancasila is non-negotiable; now and ...