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<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>Dear members on the microinsurance network</span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'> </span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>Attached is a survey on social indicators. Could you assist
us in the development of social indicators by completing this survey for micro
insurance programmes. The survey is behind conducted by Josiane Mabopda Foka. And
below she explains what the survey</span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'> </span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'>Regards</span></font></p>
<p class=MsoNormal><font size=2 face=Arial><span style='font-size:10.0pt;
font-family:Arial'> </span></font></p>
<p style='margin:0cm;margin-bottom:.0001pt'><i><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial;font-style:italic'>Denis Garand</span></font></i></p>
<p style='margin:0cm;margin-bottom:.0001pt'><i><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial;font-style:italic'>denis@garandnet.net</span></font></i></p>
<p style='margin:0cm;margin-bottom:.0001pt'><i><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial;font-style:italic'>(306) 591-0783,
Toll free\sans frais (866) 591-0783 , </span></font></i><i><font size=2
face=Arial><span style='font-size:10.0pt;font-family:Arial;font-style:italic'>Canada</span></font></i></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'> </span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'> </span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>Dear Madam or Sir,</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'> </span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>We are currently conducting a study to assess the
social performance generated by the operations of</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>institutions dealing in micro-insurance.</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'> </span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>My research not only draws on existing bibliographic
references, but on information provided through</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>other forms of data collection. This study is being
conducted as part of my thesis under the </span></font><span lang=EN-GB>direction</span><span
lang=EN-GB> of</span></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>Prof. <b><span style='font-weight:bold'>Andrée
De Serres </span></b>at the Department of Social Responsibility and
Environmental Strategy at the</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=FR-CH
style='font-size:12.0pt'>École des Sciences de la gestion (ESG) of the
Université du Québec à Montréal (UQAM). Prof De</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=FR-CH
style='font-size:12.0pt'>Serres is also Director of the Groupe international de
recherche en éthique financière et fiduciaire</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>(GIREFj).</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'> </span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>The research focuses on the following issues:</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>· Which area(s) is/are emphasized: Client
targeting? Product adaptation? Social</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>capital? Corporate social responsibility?</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>· Does the social performance of
micro-insurance reduce the vulnerability of</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>inhabitants?</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>· Is there a relationship between the business
model and social performance?</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>· What are the strengths and weaknesses of each
model? Which factors should</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>be underscored to ensure micro-insurance yields the
best social performance?</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>Your feedback is critical to help improve knowledge in
this field. The results of this study will be</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>useful to various stakeholders in the micro-insurance
section, in view of reducing poverty and the</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>vulnerability of low-income populations.</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'> </span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>We are grateful to your invaluable participation in
carrying out this study and in pursuing our</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'>research.</span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'> </span></font></p>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
lang=EN-GB style='font-size:12.0pt;color:black'>- If you give us explicit
permission to do so, we will use your information and identify you and a</span></font></p>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
lang=EN-GB style='font-size:12.0pt;color:black'>respondent to our
questionnaire. We will send you an exact wording of any statement to be
released, if</span></font></p>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
lang=EN-GB style='font-size:12.0pt;color:black'>you so request.</span></font></p>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
lang=EN-GB style='font-size:12.0pt;color:black'>- If you prefer, we will keep
your participation anonymous. Please note your choice on the attached</span></font></p>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
lang=EN-GB style='font-size:12.0pt;color:black'>card.</span></font></p>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
lang=EN-GB style='font-size:12.0pt;color:black'>You may email back the
questionnaire if you wish. If you believe that someone else in your</span></font></p>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
lang=EN-GB style='font-size:12.0pt;color:black'>organization is better situated
to answer questions about various operations aimed at producing social</span></font></p>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
lang=EN-GB style='font-size:12.0pt;color:black'>performance, kindly send us
his/her contact information.</span></font></p>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
lang=EN-GB style='font-size:12.0pt;color:black'>I hope you will participate in
this study. Please feel free to contact me for any additional information.</span></font></p>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
lang=EN-GB style='font-size:12.0pt;color:black'> </span></font></p>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
lang=EN-GB style='font-size:12.0pt;color:black'>You can reach me at:</span></font></p>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
lang=PT-BR style='font-size:12.0pt;color:black'>Tel : + 514-639 4645</span></font></p>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
lang=PT-BR style='font-size:12.0pt;color:black'>e-mail : </span></font><font
color=blue><span lang=FR-CH style='color:blue'><a
href="mailto:mabopda_foka.josiane_lise@courrier.uqam.ca"><span lang=PT-BR>mabopda_foka.josiane_lise@courrier.uqam.ca</span></a></span></font></p>
<p class=MsoNormal><font size=3 color=blue face="Times New Roman"><span
lang=PT-BR style='font-size:12.0pt;color:blue'> </span></font></p>
<p class=MsoNormal><font size=3 color=blue face="Times New Roman"><span
lang=PT-BR style='font-size:12.0pt;color:blue'> </span></font></p>
<p class=MsoNormal><font size=3 color=black face="Times New Roman"><span
lang=EN-GB style='font-size:12.0pt;color:black'>The French version of the
survey can be found at <a
href="http://www.microinsurancenetwork.org/workinggroup5.php">http://www.microinsurancenetwork.org/workinggroup5.php</a></span></font></p>
<p class=MsoNormal><font size=3 face="Times New Roman"><span lang=EN-GB
style='font-size:12.0pt'> </span></font></p>
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