Barriers to household risk management /:
Why do many households remain exposed to large exogenous sources of non-systematic income risk? We use a series of randomized field experiments in rural India to test the importance of price and non-price factors in the adoption of an innovative rainfall insurance product. Demand is significantly pr...
Gespeichert in:
| Weitere Verfasser: | , , , , , |
|---|---|
| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
Washington :
International Monetary Fund,
2012.
|
| Schriftenreihe: | IMF working paper (Online) ;
WP/12/195. |
| Schlagworte: | |
| Online-Zugang: | Volltext |
| Zusammenfassung: | Why do many households remain exposed to large exogenous sources of non-systematic income risk? We use a series of randomized field experiments in rural India to test the importance of price and non-price factors in the adoption of an innovative rainfall insurance product. Demand is significantly price sensitive, but widespread take-up would not be achieved even if the product offered a payout ratio comparable to U.S. insurance contracts. We present evidence suggesting that lack of trust, liquidity constraints and limited salience are significant non-price frictions that constrain demand. We s. |
| Beschreibung: | 1 online resource (44 pages) |
| ISBN: | 9781475512342 1475512341 1475593686 9781475593686 |
Internformat
MARC
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| 505 | 0 | |a Cover; Abstract; Contents; I. Introduction; II. Insurance Contract Design and Summary Statistics; A. Product Description; B. Summary Statistics; III. Experimental Design; IV. Experimental Results; A. Andhra Pradesh; B. Gujarat: Video Experiments; C. Gujarat: Flyer Experiments; V. Discussion of Experimental Results; A. Price Relative to Actuarial Value; B. Trust; C. Liquidity Constraints; D. Financial Literacy and Education; E. Framing, Salience and Other Behavioral Factors; VI. Non-Experimental Evidence; A. Correlates of Insurance Purchase; B. Self-Reported Explanations for Non-Purchase. | |
| 505 | 8 | |a VII. Improving Household Risk Management: Tentative Lessons and ConclusionsReferences; VIII. Appendix. | |
| 520 | |a Why do many households remain exposed to large exogenous sources of non-systematic income risk? We use a series of randomized field experiments in rural India to test the importance of price and non-price factors in the adoption of an innovative rainfall insurance product. Demand is significantly price sensitive, but widespread take-up would not be achieved even if the product offered a payout ratio comparable to U.S. insurance contracts. We present evidence suggesting that lack of trust, liquidity constraints and limited salience are significant non-price frictions that constrain demand. We s. | ||
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| 700 | 1 | |a Townsend, Robert M. | |
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| 700 | 1 | |a Tobacman, Jeremy. | |
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| contents | Cover; Abstract; Contents; I. Introduction; II. Insurance Contract Design and Summary Statistics; A. Product Description; B. Summary Statistics; III. Experimental Design; IV. Experimental Results; A. Andhra Pradesh; B. Gujarat: Video Experiments; C. Gujarat: Flyer Experiments; V. Discussion of Experimental Results; A. Price Relative to Actuarial Value; B. Trust; C. Liquidity Constraints; D. Financial Literacy and Education; E. Framing, Salience and Other Behavioral Factors; VI. Non-Experimental Evidence; A. Correlates of Insurance Purchase; B. Self-Reported Explanations for Non-Purchase. VII. Improving Household Risk Management: Tentative Lessons and ConclusionsReferences; VIII. Appendix. |
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| dewey-full | 658.15/5 |
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| illustrated | Not Illustrated |
| indexdate | 2024-11-27T13:25:47Z |
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| language | English |
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| spelling | Barriers to household risk management / Shawn Cole [and others]. Washington : International Monetary Fund, 2012. 1 online resource (44 pages) text txt rdacontent computer c rdamedia online resource cr rdacarrier IMF working papers ; WP/12/195 Print version record. Cover; Abstract; Contents; I. Introduction; II. Insurance Contract Design and Summary Statistics; A. Product Description; B. Summary Statistics; III. Experimental Design; IV. Experimental Results; A. Andhra Pradesh; B. Gujarat: Video Experiments; C. Gujarat: Flyer Experiments; V. Discussion of Experimental Results; A. Price Relative to Actuarial Value; B. Trust; C. Liquidity Constraints; D. Financial Literacy and Education; E. Framing, Salience and Other Behavioral Factors; VI. Non-Experimental Evidence; A. Correlates of Insurance Purchase; B. Self-Reported Explanations for Non-Purchase. VII. Improving Household Risk Management: Tentative Lessons and ConclusionsReferences; VIII. Appendix. Why do many households remain exposed to large exogenous sources of non-systematic income risk? We use a series of randomized field experiments in rural India to test the importance of price and non-price factors in the adoption of an innovative rainfall insurance product. Demand is significantly price sensitive, but widespread take-up would not be achieved even if the product offered a payout ratio comparable to U.S. insurance contracts. We present evidence suggesting that lack of trust, liquidity constraints and limited salience are significant non-price frictions that constrain demand. We s. Financial risk India. Risk management India. Risque financier Inde. Gestion du risque Inde. BUSINESS & ECONOMICS Industrial Management. bisacsh BUSINESS & ECONOMICS Management. bisacsh BUSINESS & ECONOMICS Management Science. bisacsh BUSINESS & ECONOMICS Organizational Behavior. bisacsh Financial risk fast Risk management fast India fast https://id.oclc.org/worldcat/entity/E39PBJmdx47cDXrRhBXHtbvPwC Townsend, Robert M. Cole, Shawn. Tobacman, Jeremy. Gine, Xavier. Vickery, James Ian. Topalova, Petia. has work: Barriers to household risk management (Text) https://id.oclc.org/worldcat/entity/E39PCGKKjwRpg4CybHhrhG8DMP https://id.oclc.org/worldcat/ontology/hasWork Print version: Townsend, Robert M. Barriers to Household Risk Management: Evidence from India. Washington : International Monetary Fund, ©2012 9781475505443 IMF working paper (Online) ; WP/12/195. http://id.loc.gov/authorities/names/n2004152483 FWS01 ZDB-4-EBA FWS_PDA_EBA https://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&AN=568125 Volltext |
| spellingShingle | Barriers to household risk management / IMF working paper (Online) ; Cover; Abstract; Contents; I. Introduction; II. Insurance Contract Design and Summary Statistics; A. Product Description; B. Summary Statistics; III. Experimental Design; IV. Experimental Results; A. Andhra Pradesh; B. Gujarat: Video Experiments; C. Gujarat: Flyer Experiments; V. Discussion of Experimental Results; A. Price Relative to Actuarial Value; B. Trust; C. Liquidity Constraints; D. Financial Literacy and Education; E. Framing, Salience and Other Behavioral Factors; VI. Non-Experimental Evidence; A. Correlates of Insurance Purchase; B. Self-Reported Explanations for Non-Purchase. VII. Improving Household Risk Management: Tentative Lessons and ConclusionsReferences; VIII. Appendix. Financial risk India. Risk management India. Risque financier Inde. Gestion du risque Inde. BUSINESS & ECONOMICS Industrial Management. bisacsh BUSINESS & ECONOMICS Management. bisacsh BUSINESS & ECONOMICS Management Science. bisacsh BUSINESS & ECONOMICS Organizational Behavior. bisacsh Financial risk fast Risk management fast |
| title | Barriers to household risk management / |
| title_auth | Barriers to household risk management / |
| title_exact_search | Barriers to household risk management / |
| title_full | Barriers to household risk management / Shawn Cole [and others]. |
| title_fullStr | Barriers to household risk management / Shawn Cole [and others]. |
| title_full_unstemmed | Barriers to household risk management / Shawn Cole [and others]. |
| title_short | Barriers to household risk management / |
| title_sort | barriers to household risk management |
| topic | Financial risk India. Risk management India. Risque financier Inde. Gestion du risque Inde. BUSINESS & ECONOMICS Industrial Management. bisacsh BUSINESS & ECONOMICS Management. bisacsh BUSINESS & ECONOMICS Management Science. bisacsh BUSINESS & ECONOMICS Organizational Behavior. bisacsh Financial risk fast Risk management fast |
| topic_facet | Financial risk India. Risk management India. Risque financier Inde. Gestion du risque Inde. BUSINESS & ECONOMICS Industrial Management. BUSINESS & ECONOMICS Management. BUSINESS & ECONOMICS Management Science. BUSINESS & ECONOMICS Organizational Behavior. Financial risk Risk management India |
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