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Design of a Socially Inclusive Climate Risk Transfer Mechanism:A Case Study in La Guajira,Colombia

International Journal of Disaster Risk Science 2024年第4期15卷 565-578页

作者： cristian camilo fernández lopera JoséManuel Mendes Eduardo Jorge Barata Centre for Social Studies Institute for Interdisciplinary ResearchUniversity of Coimbra3000-995 CoimbraPortugal Faculty of Economics Centre for Social StudiesUniversity of Coimbra3000-995 CoimbraPortugal Faculty of Economics CeBERUniversity of Coimbra3004-512 CoimbraPortugal

The primary aim of this study was to develop a model of a socially inclusive climate risk insurance(CRI) mechanism based on the differential risk transfer approach. This study focused on the department of La Guajira, Colombia, as a case *** Guajira is the department in Colombia that, due to its critical disaster risk conditions, presents the adequate configuration for implementing a climate risk transfer mechanism. The article starts by analyzing risk conditions by using secondary data. Based on fieldwork, this research explored the perspectives of the most vulnerable sectors in La Guajira Department on the socioeconomic impacts and needs they experience regarding climate-related hazards, their adaptive measures for risk reduction, and their willingness to adopt CRI. This represents the fundamental input for the formulation of the CRI model. Consequently, this research proposed an operational structure as input for future implementations of the model. The results indicate that national and local disaster risk management public policies align with the sectors' needs and priorities. Strengthening sectoral associations can enhance representation in CRI projects. In-kind indemnization is preferred for women entrepreneurs and the indigenous community. The CRI model includes a risk pool through the family compensation fund of La Guajira as a sectoral agglomerator, with contingent credit and traditional/parametric insurance. The methodology developed in this study can be applied in different contexts worldwide as a guidance for informing national and international climate risk finance initiatives.

关键词： Colombia Disaster risk fnancing Disaster risk management La Guajira Climate risk insurance Socioeconomic vulnerability

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