In Cambodia, about a third of the people are below the poverty line and as many as 80 per cent live in rural areas, where products or services, even if affordable are not available. For most of these people, saving long term is out of the question as they live on a day-to-day subsistence level. Trying to break into this market is a social enterprise called KPMI (Prevoir Kampuchea Micro-life insurance) which offers traditional insurance services and products to the low and middle class people. Read more here.