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Savings groups reduce vulnerability, but have mixed effects on financial inclusion
Frisancho Robles, Verónica; Valdivia, J. Martín - 2020
This paper evaluates the impact of the introduction of savings groups on poverty, vulnerability, and financial …, we investigate the impact of savings groups after more than two years of exposure. We find t hat savings groups channel … savings groups increases female labor market participation and, in poorer areas, it fosters greater specialization in …
Persistent link: https://www.econbiz.de/10012587506
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Weather index insurance can help households recover from extreme weather events
Kraehnert, Kati; Bertram-Huemmer, Veronika - In: DIW weekly report : economy, politics, science : a … 8 (2018) 40, pp. 385-391
Weather index insurance is considered a promising international climate policy instrument that can help households adapt better to climate change. This is especially true in developing countries where households often suffer severely from the consequences of extreme weather events. This report...
Persistent link: https://www.econbiz.de/10011917300
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Does index insurance help households recover from disaster? : evidence from IBLI Mongolia
Bertram-Huemmer, Veronika; Kraehnert, Kati - 2015
This paper investigates the impact of indemnity payments from index insurance on the asset recovery of households after a catastrophic weather disaster occurs. Our focus is on the Index-Based Livestock Insurance (IBLI) in Mongolia. We analyze the effect of IBLI indemnity payments after a...
Persistent link: https://www.econbiz.de/10011382647
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Household Structures and Savings : Evidence from Household Surveys
de Laiglesia, Juan Ramón - 2008
This paper examines the relationship between household structures, the institutions that shape them and physical and human capital accumulation using household and individual data from China, Indonesia, Côte d’Ivoire and Ghana. Household structures differ greatly across countries and are very...
Persistent link: https://www.econbiz.de/10012444835
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The Role of Savings and Credit in Coping with Idiosyncratic Household Shocks
DeLoach, Stephen B. - 2017
separately estimate the effects of access to formal credit from savings. The means by which households smooth consumption differs … access only to formal savings, but not credit, draw down on savings. Households without access to formal banking services end …
Persistent link: https://www.econbiz.de/10012947868
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Household Credit and Saving : Does Policy Matter?
Lawrence, Peter - 2002
This paper surveys the existing literature on the determinants of household savings and credit in developing countries …
Persistent link: https://www.econbiz.de/10014114476
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Financial literacy and precautionary insurance
Kubitza, Christian; Hofmann, Annette; Steinorth, Petra - 2019 - This version: April 2019
This paper studies insurance demand for individuals with limited financial literacy. We propose uncertainty about insurance payouts, resulting from contract complexity, as a novel channel that affects decision-making of financially illiterate individuals. Then, a trade-off between second-order...
Persistent link: https://www.econbiz.de/10012004234
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Putting the pension back in 401(k) retirement plans : optimal versus default longevity income annuities
Horneff, Vanya; Maurer, Raimond; Mitchell, Olivia S. - 2018
A recent US Treasury regulation allowed deferred longevity income annuities to be included in pension plan menus as a default payout solution, yet little research has investigated whether more people should convert some of the $15 trillion they hold in employer-based defined contribution plans...
Persistent link: https://www.econbiz.de/10011932365
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Behavioral Aspects of Household Portfolio Choice : Effects of Loss Aversion on Life Insurance Uptake and Savings
Hwang, In Do - 2017
This paper investigates how loss-aversion affects individuals' decisions on savings and insurance purchase …. Specifically, this paper empirically tests if prospect theory's loss aversion decreases insurance demand and increases savings …-life insurance, which serves as a partial savings instrument. These individuals also hold a higher level of wealth than others …
Persistent link: https://www.econbiz.de/10012962197
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Financial Literacy and Precautionary Insurance
Kubitza, Christian - 2020
We study insurance markets with individuals that have limited financial literacy. In our model, complexity of insurance contracts causes individuals to be uncertain about insurance payouts. As a result, a trade-off between second-order (risk aversion) and third-order (prudence) risk preferences...
Persistent link: https://www.econbiz.de/10012849957