riskijako
Riskijako is a concept describing mechanisms and arrangements that distribute risk among multiple participants rather than placing the full burden on a single actor. It involves pooling, sharing, or transferring risk so that the impact of adverse events is spread and managed collectively. The idea is to improve resilience, affordability, and access to resources by reducing the volatility faced by any individual party.
Common mechanisms of riskijako include risk pooling, where contributions from many participants fund potential losses; co-insurance
Riskijako is widely used in insurance, pensions, health care, and social protection systems, where risks such
Benefits of riskijako include reduced exposure for individual participants, improved access to protection, and enhanced capability