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Micro-insurance: a proposed practical solution to mitigate hand-pump maintenance challenges in Malawi

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conference contribution
posted on 12.02.2018, 15:10 authored by Beatrice Chisenga
As part of the grant offer, stakeholder end-users in low- income or ultra- poverty regions are encouraged to contribute 5% of the total hand-pump asset cost in a form of labour or household financing, as set by IMF/ World Bank who is the main project investor. This model also outlines that stakeholder end-users take up the maintenance role when the project sponsors leave the scene, yet there are challenges to successfully maintain the assets. This study attempts to identify end-users efforts and challenges in hand-pump project maintenance and propose a strategy to overcome the gap. Data collection was done using 12 Convergence Interviews, 36 Individual Case Interviews and two sets of Focus Groups in operational as well as non-operational hand-pumps in rural Malawi. Results show that end-users financing is inadequate to cover maintenance of a major hand-pump breakdown and/or overhaul. To address the gap, a risk management plan in form of micro insurance maintenance subsidy is proposed as part of the project design.



  • Architecture, Building and Civil Engineering

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  • Water, Engineering and Development Centre (WEDC)

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WEDC Conference


CHISENGA, B., 2015. Micro-insurance: a proposed practical solution to mitigate hand-pump maintenance challenges in Malawi. IN: Shaw, R.J. (ed). Water, sanitation and hygiene services beyond 2015 - Improving access and sustainability: Proceedings of the 38th WEDC International Conference, Loughborough, UK, 27-31 July 2015, 6p.p.


© WEDC, Loughborough University


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