https://www.rug.nl/staff/b.w.lensink/ The research of Professor Robert Lensink show that; 1. Uptake can be tripled if farmers can delay payment until after the harvest season 2.If the new product is promoted by traditional leaders, the uptake is even increased much more. 3.By using joint liability contracts, there will not be significant startegic defaults on insurance products on which premium payments can be postponed.
https://www.soas.ac.uk/staff/staff94886.php The recent research findings of Professor Reinhard Bacchman indicate that; Trust is deeply rooted in country- and region-specific culture. Governments play a big role in creating, maintaining and ruining public trust in the financial services industry. Building institution-based is key to increasing trust in financial services in Africa.