DOI: 10.5281/zenodo.17272786
title: Trust-Responsive Reinsurance Evidence Base - Data Repository (Version 4)

description:  

Trust-Responsive Reinsurance Evidence Base V4: Data Harmonization and Quality Control for Publication-Ready Evidence

This repository provides the complete, quality-controlled empirical dataset supporting the trust-responsive reinsurance model for sustainable microinsurance in developing countries. Version 4 builds upon previous repository versions (V1-V3, with V3 at DOI: 10.5281/zenodo.16749650) through rigorous data harmonization and complete documentation for journal publication.

Version 4 Contribution: This version represents systematic data quality control, refining the evidence base from 217 to 214 countries by resolving naming duplications (e.g., "West Bank and Gaza"/"Palestine" consolidated) and from 47 to 31 schemes by applying stringent completeness criteria. Only schemes with verifiable source documentation, complete enrollment data, documented trust mechanisms, and quantified outcomes are included. Complete Data Dictionary and publication-ready documentation added.

Research Validation: The repository confirms the trust threshold τ* = 0.68 through an analysis of 31 fully documented microinsurance schemes across four continents, spanning 1986-2024, and integrated with World Values Survey data across 214 harmonized countries. The empirical analysis demonstrates robust discrimination between successful and failed schemes based on trust levels, with all parameters including 95% confidence intervals.

Methodology: Systematic case study analysis with quality control criteria, cross-country validation using harmonized WVS data, comprehensive literature meta-analysis with 23,000+ experimental subjects, and actuarial parameter calibration. Trust levels are estimated through community governance structures, membership patterns, and documented mechanisms. Scheme outcomes classified using standardized sustainability indicators: 30% membership threshold, 70% renewal rate, 70% claims ratio.

Key Datasets:



Complete inventory of 31 validated microinsurance schemes with trust-outcome analysis

Harmonized cross-country trust-insurance correlation matrices (214 countries)

Success/failure case analysis with quantified trust effects (30 percentage points)

Calibrated model parameters: $62,477 capital for 40,000 persons, reinsurance integration

Complete bibliographic sources with extraction methodologies and data quality assessments


Academic Integration: This evidence base supports the manuscript "A Trust-Responsive Reinsurance Model for Microinsurance Sustainability: Evidence from 214 Countries and 31 Schemes." All 350+ data points include source URLs, 95% confidence intervals, and methodological documentation enabling complete replication and reviewer verification.

Repository Structure: 21 CSV datasets across five directories: CGAP landscape analysis, literature meta-analysis, comprehensive case studies, cross-country validation, and complete model parameters. Includes complete Data_Dictionary.txt with variable definitions and README.md with version history.

Data Quality: V4 prioritizes methodological rigor through stringent inclusion criteria, transparent harmonization procedures, and complete source documentation. All datasets adhere to FAIR principles, utilizing standardized CSV formats and comprehensive metadata.

Citation: Dror, David Mark. (2025). Trust-Responsive Reinsurance Evidence Base - Data Repository (Version 4) [Data set]. Zenodo. https://doi.org/10.5281/zenodo.[to be assigned]