Pesquisa de referências

The Social dilemma of microinsurance : a framed field experiment on free-riding and coordination in microcredit groups

Portada
Seção: Documentos eletrônicos
Título: The Social dilemma of microinsurance : a framed field experiment on free-riding and coordination in microcredit groups / Wendy Janssens and Berber KramerAutor: Janssens, Wendy
Publicação: Geneva : International Labour Organization, 2012Série: (Microinsurance paper ; 22)Notas: Sumario: This paper analyzes free-riding and coordination problems in microinsurance. We model demand for health insurance in microcredit groups that typically share risk through joint liability as a social dilemma. Less risk averse clients are tempted to free-ride and forgo individual insurance while the more risk averse face a coordination problem. Group insurance binds both types to the social optimum. Microinsurance games played with microcredit clients in Tanzania confirm the free-riding hypothesis and demonstrate limited coordination failures under individual insurance. Group insurance increases demand in the games. These findings provide a potential solution for low uptake of microinsuranceMateria / lugar / evento: Microseguros Seguro colectivo de salud Sistema individual Tanzania Otros autores: Kramer, Berber
International Labour Organization
Micro Insurance Innovation Facility
Serie secundária: Microinsurance paper ; 22 Outras classificações: 34
Referencias externas: