DOI number: 10.5027/jnrd.v4i0.12

[stag_toggle style=”stroke” title=”Authors” state=”open”]

Arshad Ali *, Asad Mahmood, Shahnila Gul
National University of Science and Technology, Islamabad, Pakistan

*Correponding author: [stag_icon icon=”envelope-o” url=”” size=”15px” new_window=”no”]


[stag_toggle style=”stroke” title=”Abstract” state=”closed”]

This research looks at the effectiveness of microinsurance services during and after a disaster and at disaster management as an effective tool for community betterment. A detailed review has been done on available research and case studies. Unfortunately, underdeveloped countries suffer due to a lack of finances during and after a disaster. Developed countries are usually not ready for any disaster at government and public levels. A disaster affected country will also be keen for financial help from donor agencies and other counties. Microinsurance would be very helpful during any disaster to overcome the financial needs at the community level. Microinsurance is a practice that can share the financial liability with the affected population during a disaster. There is no trend in Pakistan for community based microinsurance for certain reasons, although there are very good examples available for review in the region. These include microinsurance services based on community microinsurance models such as SEWA (Gujarat), Weather-Index-based insurance (Ethiopia) and Crop insurance against typhoons (Philippine). These have played a vital role in disaster risk transfer during and after disasters. This study will identify the implementation and outcome of microinsurance in Pakistan during a disaster and understand how much beneficial microinsurance would be for the betterment and recovery of affective community on an urgent basis.[/stag_toggle]

[stag_toggle style=”stroke” title=”References” state=”closed”]

[1] A. Bayes, “Infrastructure and rural development: insights from a Grameen Bank village phone initiative in Bangladesh”, Agricultural Economics, vol. 25, no. 2-3, pp. 261-272, 2001.

[2] A. Parul et al, “TATA-AIG’s Innovative Distribution Model–Extending Micro-insurance to Rural India” TATA-AIG, India, pp.108- 112, 2009.

[3] C. Brown and K.M. Baroang, “Risk Assessment, Risk Management, and Communication: Methods for Climate Variability and Change”, Treatise on Water Science, vol.1, pp. 189-199, 2011.

[4] C. Cocheo et al., “Assessment of Human Exposure to Air Pollution”, Encyclopedia of Environmental Health, pp. 230-237, 2011.

[5] C.J. Van Westen, “Remote Sensing and GIS for Natural Hazards Assessment and Disaster Risk Management”, Treatise on Geomorphology, vol. 3, pp. 259-298,2013.

[6] Fairbrother, “Risk Management Safety Factor”, in Encyclopedia of Ecology, pp. 3062-3068, 2008

[7] H.-P. Plag and S. Jules-Plag, “Sea-Level Rise and Health”, Climate Vulnerability, vol. 1, pp. 39-47,2013.

[8] J. Prior and S. Harfield, “Health, Well-Being and Vulnerable Populations”, International Encyclopedia of Housing and Home, pp. 355-361,2012.

[9] K. Warneret al., “Financial services and disaster risk finance: Examples from the community level”, Environmental Hazards, vol. 7, no.1, pp. 32-39, 2007.

[10] L. Molander, “Chemicals in Consumer Products” in Encyclopedia of Toxicology, 3rd ed.,pp. 801-804, 2014.

[11] L.G.M. Gorris and C Yoe, “Risk Analysis: Risk Assessment: Principles, Methods, and Applications” in Encyclopedia of Food Safety, vol. 1, pp. 65-72,2014

[12] M. Fordham, “Gender and Disasters”, in Encyclopedia of Environmental Health, pp. 834-838, 2011.

[13] M.B. Aalbers, “Mortgage Market Regulation: Europe”, in International Encyclopedia of Housing and Home, pp. 399-402,2012.

[14] M. Aglietta and L. Scialom, ”A systemic approach to financial regulation: A European perspective”, International Economics, vol. 123, pp. 31-65,2010.

[15] O. Renn, “Precaution and Ecological Risk”, in Encyclopedia of Ecology, pp. 2909-2916, 2008.

[16] O. Renn, “Risk Governance in a Complex World”, in Encyclopedia of Applied Ethics, 2nd ed.,pp. 846-854,2012.

[17] R. T. Hughes, “Project Management Software” in Encyclopedia of Physical Science and Technology, 3rd ed.,pp. 139-153,2003.

[18] R.Visser, “Organisation for Economic Cooperation and Development”, in Encyclopedia of Toxicology, 2nd ed., pp. 551-560, 2005.

[19] S.L. Molloy and S. Mihaltcheva, “Extreme Weather Events” in Climate Vulnerability, vol. 1, pp. 3-16, 2013.

[20] X. Mahini, “Risk Management” in Encyclopedia of Toxicology, 2nd ed., pp. 740-743, 2005.


GDE Error: Error retrieving file - if necessary turn off error checking (404:Not Found)

Read More


In this paper, different aspects of development sustainability will be highlighted by stressing the fact that even the smartest drivers are necessarily characterized by the continuous uncertainty we all must live with. Different development drivers will be illustrated in the field of agriculture, nature and environment, all attempting to weigh the contradicting, even conflicting parameters of life and decay. Agricultural sustainability drivers will encompass human, cultural, social and political aspects together with components of metabolism, genetics, energy, environment and farm management. It will be concluded that each sustainability approach should be precisely documented using exact parameters and not unproven social or emotional attributes. Quantitative cost to benefit ratios will be proposed as sustainability indicators. In short, sustainability is an ideal state in the area of conflict between environmental change, evolution of life and thermodynamic laws. It cannot be defined as a stable state, but as a state of relative stability during a certain but limited period of time. Sustainability strongly depends on a reliable energy resource that, in thermodynamic terms, enables the preservation of order in an open (eco-) system at the expense of the order of the environment.

DOI number: 10.5027/jnrd.v4i0.06

GDE Error: Error retrieving file - if necessary turn off error checking (404:Not Found)

Read More


Different Energy options have been the driving force for the world economy with an evolution in types and sources. Decades ago choosing what energy option to use did not call for much debate as issues of sustainability, pressure on our environment, and our climate were not a major concern. However today, humans have to grapple with these current global challenges especially those exacerbated by our current sources of energy. The review article argues that science and sustainability thinking should be the basis for making the choice about what energy option is suitable for our era. It proposes that a more fruitful discourse should follow from a dialogue that puts in place the set of sustainability indicators and evaluating the suitability of the options for our era in that context. Focusing on two energy options; conventional and nuclear energy; the review compares them based on a set of sustainability indicators including, but not limited to, the environment, economics, ethics, expertise requirements, technical information, health, safety, uncertainty and government funding. In trying to answer the question Unsustainable conventional energy sources, is nuclear energy similar?, the review concludes that despite the demerits of nuclear energy, it is the solution to meet the world’s growing energy needs and to reverse the impending threat posed by climate change if research and development efforts in the sector are accelerated.

Read More