Microfinance & rural banks
De-risk agri loan portfolios, reduce defaults, and expand outreach with embedded climate cover.
Overview
Climate change is a systemic risk for rural lenders. When a drought hits, default rates spike. IBISA embeds parametric protection into loan products, ensuring that when the weather fails, the insurance pays the lender or the farmer, keeping the financial system stable.
Key Benefits
- Reduction in portfolio at risk (PAR)
- Automated loan restructuring during extreme events
- Expanded lending capacity in high-risk zones
- Protection for institutional balance sheets
Other segments we serve
Smallholders & cooperatives
Affordable parametric covers bundled with mobile money — protecting harvests and household income.
Agribusiness & traders
Secure supply, protect outgrower programs, and stabilise margins on commodity exposure.
Renewable energy operators
Solar irradiance and wind production indices to hedge revenue shortfall for IPPs and project finance.
Brokers & Insurers
Distribute or integrate innovative parametric solutions for your clients and protect them against climate risks.