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[null,"1.","Record Nr.",null,"UNINA9910461963503321"]
[null,null,"Autore",null,"Cole Shawn"]
[null,null,"Titolo",null,"Barriers to household risk management [[electronic resource] ] : evidence from India / / Shawn Cole ... [et al.]"]
[null,null,"Pubbl/distr/stampa",null,"Washington, D.C., : International Monetary Fund, c2012"]
[null,null,"ISBN",null,"1-4755-6547-X"]
[{"$nulls":4},"1-4755-1234-1"]
[null,null,"Descrizione fisica",null,"1 online resource (44 p.)"]
[null,null,"Collana",null,"IMF working paper ; ; WP/12/195"]
[null,null,"Soggetti",null,"Financial risk - India"]
[{"$nulls":4},"Risk management - India"]
[{"$nulls":4},"Electronic books."]
[null,null,"Lingua di pubblicazione",null,"Inglese"]
[null,null,"Formato",null,"Materiale a stampa"]
[null,null,null,"Livello bibliografico","Monografia"]
[null,null,null,"Note generali","Description based upon print version of record."]
[null,null,null,"Nota di bibliografia","Includes bibliographical references."]
[null,null,"Nota di contenuto",null,"Cover; Abstract; Contents; I. Introduction; II. Insurance Contract Design and Summary Statistics; A. Product Description; B. Summary Statistics; III. Experimental Design; IV. Experimental Results; A. Andhra Pradesh; B. Gujarat: Video Experiments; C. Gujarat: Flyer Experiments; V. Discussion of Experimental Results; A. Price Relative to Actuarial Value; B. Trust; C. Liquidity Constraints; D. Financial Literacy and Education; E. Framing, Salience and Other Behavioral Factors; VI. Non-Experimental Evidence; A. Correlates of Insurance Purchase; B. Self-Reported Explanations for Non-Purchase"]
[{"$nulls":4},"VII. Improving Household Risk Management: Tentative Lessons and ConclusionsReferences; VIII. Appendix"]
[null,null,null,"Sommario/riassunto","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"]