Barriers to Household Risk Management: Evidence from India.
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ABSTRACT:
SUBMITTER: Cole S
PROVIDER: S-EPMC3995033 | biostudies-literature | 2013 Jan
REPOSITORIES: biostudies-literature
Publications
Barriers to Household Risk Management: Evidence from India.
Cole Shawn S Giné Xavier X Tobacman Jeremy J Townsend Robert R Topalova Petia P Vickery James J
American economic journal. Applied economics 20130101 1
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, liquid ...[more]
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