DOI: 10.5281/zenodo.16749650
title: Trust-Responsive Reinsurance Evidence Base V3: Empirical Validation Through Global Microinsurance Case Study Analysis

description: Zenodo Repository Description (Academic Style):

Trust-Responsive Reinsurance Evidence Base V3: Case Study Validation of Trust Thresholds Across 45 Microinsurance Schemes

This repository provides the complete empirical validation dataset supporting the trust-responsive reinsurance model for sustainable microinsurance in developing countries. Version 3 completes a three-part research program by validating theoretical frameworks (V1, DOI: 10.5281/zenodo.16089553) and global cross-country analysis (V2, DOI: 10.5281/zenodo.16628426) through comprehensive case study analysis.

Research Contribution: This repository presents systematic validation of the trust threshold τ* = 0.68 through analysis of 45 documented microinsurance schemes across six continents spanning 1972-2025. The empirical analysis demonstrates perfect discrimination between successful and failed schemes based on trust levels relative to the threshold, providing robust validation for the behavioral model of trust-responsive insurance demand.

Methodology: The repository employs systematic case study analysis, cross-country validation using World Values Survey data across 217 countries, and comprehensive literature meta-analysis. Trust levels are estimated through community governance structures, membership patterns, and documented trust-building mechanisms, with scheme outcomes classified using standardized sustainability indicators including membership thresholds, renewal rates, and financial viability metrics.

Key Datasets:



Complete inventory of 45 microinsurance schemes with trust-outcome analysis

Cross-country trust-insurance correlation matrices validating τ* = 0.68 threshold

Systematic success/failure case analysis with trust factor documentation

Calibrated model parameters with confidence intervals for replication

Comprehensive bibliographic sources with extraction methodologies


Academic Integration: This evidence base directly supports the manuscript "Trust-Responsive Reinsurance: A Behavioral Model for Sustainable Microinsurance in Developing Countries" submitted to The Geneva Papers on Risk and Insurance. All datasets include source URLs, confidence assessments, and methodological documentation to enable full replication and reviewer verification.

Repository Structure: The repository contains 36 files across seven directories: foundation data linking V1-V3, CGAP landscape analysis, literature meta-analysis parameters, comprehensive case studies, cross-country validation, and complete model parameters with confidence intervals.

Usage: Researchers can access individual datasets for specific analyses or download the complete repository for comprehensive replication. All CSV files include data dictionaries and confidence assessments. The Integration Guide provides detailed instructions for combining data across all three repository versions.

Citation: This repository should be cited alongside Versions 1 and 2 for complete research transparency. Individual datasets may be cited separately using the provided citation guide.