Your email was sent successfully. Check your inbox.

An error occurred while sending the email. Please try again.

Proceed reservation?

Export
Filter
Datasource
Material
Language
Years
Author, Corporation
Publisher
Keywords
  • 1
    Online Resource
    Online Resource
    Insurance, Credit, And Technology Adoption : Field Experimental Evidence From Malawi (2007)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (1 online resource (33 p.))
    Edition: Online-Ausg. World Bank E-Library Archive
    Parallel Title: Gine, Xavier Insurance, Credit, And Technology Adoption
    Keywords: Access To Information ; Agriculture ; Bankruptcy and Resolution of Financial Distress ; Credit Constraints ; Crops and Crop Management Systems ; Debt Markets ; Developing Countries ; Finance and Financial Sector Development ; Financial Markets ; Financial Support ; Hazard Risk Management ; Insurance ; Insurance Policy ; International Bank ; Loan ; Microfinance ; Poverty Reduction ; Rural Development ; Rural Poverty Reduction ; Urban Development ; Access To Information ; Agriculture ; Bankruptcy and Resolution of Financial Distress ; Credit Constraints ; Crops and Crop Management Systems ; Debt Markets ; Developing Countries ; Finance and Financial Sector Development ; Financial Markets ; Financial Support ; Hazard Risk Management ; Insurance ; Insurance Policy ; International Bank ; Loan ; Microfinance ; Poverty Reduction ; Rural Development ; Rural Poverty Reduction ; Urban Development ; Access To Information ; Agriculture ; Bankruptcy and Resolution of Financial Distress ; Credit Constraints ; Crops and Crop Management Systems ; Debt Markets ; Developing Countries ; Finance and Financial Sector Development ; Financial Markets ; Financial Support ; Hazard Risk Management ; Insurance ; Insurance Policy ; International Bank ; Loan ; Microfinance ; Poverty Reduction ; Rural Development ; Rural Poverty Reduction ; Urban Development
    Abstract: The adoption of new agricultural technologies may be discouraged because of their inherent riskiness. This study implemented a randomized field experiment to ask whether the provision of insurance against a major source of production risk induces farmers to take out loans to invest in a new crop variety. The study sample was composed of roughly 800 maize and groundnut farmers in Malawi, where by far the dominant source of production risk is the level of rainfall. We randomly selected half of the farmers to be offered credit to purchase high-yielding hybrid maize and improved groundnut seeds for planting in the November 2006 crop season. The other half of the farmers were offered a similar credit package but were also required to purchase (at actuarially fair rates) a weather insurance policy that partially or fully forgave the loan in the event of poor rainfall. Surprisingly, take up was lower by 13 percentage points among farmers offered insurance with the loan. Take-up was 33.0 percent for farmers who were offered the uninsured loan. There is suggestive evidence that the reduced take-up of the insured loan was due to the high cognitive cost of evaluating the insurance: insured loan take-up was positively correlated with farmer education levels. By contrast, the take-up of the uninsured loan was uncorrelated with farmer education
    URL: Volltext  (Deutschlandweit zugänglich)
    Library Location Call Number Volume/Issue/Year Availability
    BibTip Others were also interested in ...
    Online Resource
    MPI Ethno. Forsch.
  • 2
    Online Resource
    Online Resource
    Does a Picture Paint a Thousand Words? : Evidence from a Microcredit Marketing Experiment (2012)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (42 p)
    Edition: 2012 World Bank eLibrary
    Parallel Title: Giné, Xavier Does a Picture Paint a Thousand Words?
    Abstract: Female entrepreneurship is low in many developing economies partly because of constraints on women's time and mobility, which are often reinforced by social norms. This paper analyzes a marketing experiment designed to encourage women to adopt a new microcredit product. A brochure with the same content but two different covers was randomly distributed among male and female borrowing groups. One cover featured five businesses run by men, while the other showed identical businesses run by women. Men and women responded to psychological cues. Among men who were not business owners, had lower measured ability and whose wives were less educated, the responses to the female brochure were more negative, as did female business owners with low autonomy within the household. Women with relatively high levels of autonomy had a similar negative response to the male brochure, while there was no effect on female business owners with autonomy. Overall, these results suggest that women's response to psychological cues, such as positive role models, may be affected by their level of autonomy at home, and more intensive interventions may be required for more disadvantaged women
    DOI: 10.1596/1813-9450-6020
    URL: Volltext  (Deutschlandweit zugänglich)
    Library Location Call Number Volume/Issue/Year Availability
    BibTip Others were also interested in ...
    Online Resource
    MPI Ethno. Forsch.
  • 3
    Online Resource
    Online Resource
    Information Disclosure and Demand Elasticity of Financial Products : Evidence from a Multi-Country Study (2017)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: 1 Online-Ressource (61 p)
    Series Statement: World Bank E-Library Archive
    Parallel Title: Erscheint auch als Gine, Xavier Information Disclosure and Demand Elasticity of Financial Products: Evidence from a Multi-Country Study
    Abstract: This study tests the effectiveness of behavioral-based disclosure formats. Around 1,700 individuals from Mexico and Peru chose among loans and savings accounts presented in different formats, including a simplified key facts statement (KFS) and current marketing brochures. The study finds that the price elasticity of loans is ?1.04 using brochures and ?3.19 using the simplified KFS, with smaller effects for savings products. Finally, while financial literacy is correlated with better decision-making, the effect of the disclosure format for loans is about three times as large as that of financial literacy. More importantly, the KFS helps financially illiterate individuals relatively more
    DOI: 10.1596/1813-9450-8210
    URL: Volltext  (Deutschlandweit zugänglich)
    Library Location Call Number Volume/Issue/Year Availability
    BibTip Others were also interested in ...
    Online Resource
    MPI Ethno. Forsch.
  • 4
    Online Resource
    Online Resource
    Markets, Contracts, and Uncertainty in a Groundwater Economy (2016)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: 1 Online-Ressource (50 p)
    Series Statement: World Bank E-Library Archive
    Parallel Title: Erscheint auch als Gine, Xavier Markets, Contracts, and Uncertainty in a Groundwater Economy
    Abstract: Groundwater is a vital yet threatened resource in much of South Asia. This paper develops a model of groundwater transactions under payoff uncertainty arising from unpredictable fluctuations in groundwater availability during the agricultural dry season. The model highlights the trade-off between the ex post inefficiency of long-term contracts and the ex ante inefficiency of spot contracts. The structural parameters are estimated using detailed micro-data on the area irrigated under each contract type combined with subjective probability distributions of borewell discharge elicited from a large sample of well-owners in southern India. The findings show that, while the contracting distortion leads to an average welfare loss of less than 2 percent and accounts for less than 50 percent of all transactions costs in groundwater markets, it has a sizeable impact on irrigated area, especially for small farmers. Uncertainty coupled with land fragmentation also attenuates the benefits of the water-saving technologies now being heavily promoted in India
    DOI: 10.1596/1813-9450-7694
    URL: Volltext  (Deutschlandweit zugänglich)
    Library Location Call Number Volume/Issue/Year Availability
    BibTip Others were also interested in ...
    Online Resource
    MPI Ethno. Forsch.
  • 5
    Online Resource
    Online Resource
    Financial Information in Colombia (2017)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: 1 Online-Ressource (28 p)
    Series Statement: World Bank E-Library Archive
    Parallel Title: Erscheint auch als Gine, Xavier Financial Information in Colombia
    Abstract: An audit study was conducted in Colombia following the protocols in Gine and Mazer (2017). Trained auditors visited multiple financial institutions, seeking credit and savings products. Consistent with Gabaix and Laibson (2006) and similar to Gine and Mazer (2017), the staff only provided information about the cost when asked, disclosing less than a third of the total cost voluntarily. In addition, clients were rarely offered the cheapest product, most likely because staff was incentivized to offer more expensive and thus more profitable products to the institution
    DOI: 10.1596/1813-9450-7998
    URL: Volltext  (Deutschlandweit zugänglich)
    Library Location Call Number Volume/Issue/Year Availability
    BibTip Others were also interested in ...
    Online Resource
    MPI Ethno. Forsch.
  • 6
    Online Resource
    Online Resource
    Are Labor Supply Decisions Consistent with Neoclassical Preferences? Evidence from Indian Boat Owners (2016)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: 1 Online-Ressource (39 p)
    Series Statement: World Bank E-Library Archive
    Parallel Title: Erscheint auch als Gine, Xavier Are Labor Supply Decisions Consistent with Neoclassical Preferences? Evidence from Indian Boat Owners
    Abstract: This paper studies the labor supply of South Indian boat owners using daily labor participation decisions of 249 boat owners during seven years. It tests the standard neoclassical model of labor supply, which predicts that (i) individuals should be more likely to work when earnings are temporarily high and (ii) recent accumulated earnings should play no role in the participation decision. It finds that boat owners' labor participation depends positively on expected earnings but also on recent accumulated earnings, albeit weakly. Participation elasticities with respect to expected earnings range between 0.8 and 1.3 and about -0.05 and -0.01 with respect to changes in recent income. While the standard neoclassical model is statistically rejected, it is still a good approximation of the labor supply behavior of boat owners in southern India
    DOI: 10.1596/1813-9450-7820
    URL: Volltext  (Deutschlandweit zugänglich)
    Library Location Call Number Volume/Issue/Year Availability
    BibTip Others were also interested in ...
    Online Resource
    MPI Ethno. Forsch.
  • 7
    Online Resource
    Online Resource
    Financial (Dis-)Information : Evidence from an Audit Study in Mexico (2014)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (26 p)
    Edition: 2014 World Bank eLibrary
    Parallel Title: Giné, Xavier Financial (Dis-)Information
    Abstract: An audit study was conducted in peri-urban Mexico to understand the quality of information and products offered to low-income potential customers. Trained auditors visited multiple financial institutions seeking credit and savings products. Consistent with Gabaix and Laibson (2006), staff voluntarily provides little information about avoidable fees, especially to auditors trained to reveal little knowledge about the market. In addition, clients are almost never offered the cheapest product, most likely because staff is incentivized to offer more expensive products that are thus more profitable to the institution. This suggests that disclosure and transparency policies may be ineffective if they undermine the commercial interest of financial institutions
    DOI: 10.1596/1813-9450-6902
    URL: Volltext  (Deutschlandweit zugänglich)
    Library Location Call Number Volume/Issue/Year Availability
    BibTip Others were also interested in ...
    Online Resource
    MPI Ethno. Forsch.
  • 8
    Online Resource
    Online Resource
    Group Versus Individual Liability : A Field Experiment In The Philippines (2006)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (1 online resource (38 p.))
    Edition: Online-Ausg. World Bank E-Library Archive
    Parallel Title: Gine, Xavier Group Versus Individual Liability
    Keywords: Bank Policy ; Conversion ; Debt Markets ; Exchange ; Finance and Financial Sector Development ; Financial Literacy ; Financial Markets ; Good ; Group Lending ; Joint Liability ; Lender ; Liability ; Loans ; Micro-Enterprises ; Microcredit Microfinance ; Political Power ; Bank Policy ; Conversion ; Debt Markets ; Exchange ; Finance and Financial Sector Development ; Financial Literacy ; Financial Markets ; Good ; Group Lending ; Joint Liability ; Lender ; Liability ; Loans ; Micro-Enterprises ; Microcredit Microfinance ; Political Power ; Bank Policy ; Conversion ; Debt Markets ; Exchange ; Finance and Financial Sector Development ; Financial Literacy ; Financial Markets ; Good ; Group Lending ; Joint Liability ; Lender ; Liability ; Loans ; Micro-Enterprises ; Microcredit Microfinance ; Political Power
    Abstract: Group liability is often portrayed as the key innovation that led to the explosion of the microcredit movement, which started with the Grameen Bank in the 1970s and continues on today with hundreds of institutions around the world. Group lending claims to improve repayment rates and lower transaction costs when lending to the poor by providing incentives for peers to screen, monitor, and enforce each other's loans. However, some argue that group liability creates excessive pressure and discourages good clients from borrowing, jeopardizing both growth and sustainability. Therefore, it remains unclear whether group liability improves the lender's overall profitability and the poor's access to financial markets. The authors worked with a bank in the Philippines to conduct a field experiment to examine these issues. They randomly assigned half of the 169 pre-existing group liability 'centers' of approximately twenty women to individual-liability centers (treatment) and kept the other half as-is with group liability (control). We find that the conversion to individual liability does not affect the repayment rate, and leads to higher growth in center size by attracting new clients
    URL: Volltext  (Deutschlandweit zugänglich)
    Library Location Call Number Volume/Issue/Year Availability
    BibTip Others were also interested in ...
    Online Resource
    MPI Ethno. Forsch.
  • 9
    Online Resource
    Online Resource
    Financial (Dis-)Information : Evidence from a Multi-Country Audit Study (2016)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: 1 Online-Ressource (42 p)
    Series Statement: World Bank E-Library Archive
    Parallel Title: Erscheint auch als Gine, Xavier Financial (Dis-)Information : Evidence from a Multi-Country Audit Study
    Abstract: An audit study was conducted in Ghana, Mexico and Peru to understand the quality of financial information and products offered to low-income customers. Trained auditors visited multiple financial institutions, seeking credit and savings products. Consistent with Gabaix and Laibson (2006), staff only provides information about the cost when asked, disclosing less than a third of the total cost voluntarily. In fact, the cost disclosed voluntarily is uncorrelated with the expensiveness of the product. In addition, clients are rarely offered the cheapest product, most likely because staff is incentivized to offer more expensive and thus more profitable products to the institution. This suggests that clients are not provided enough information to be able to compare among products, and that disclosure and transparency policies may be ineffective because they undermine the commercial interest of financial institutions
    DOI: 10.1596/1813-9450-7750
    URL: Volltext  (Deutschlandweit zugänglich)
    Library Location Call Number Volume/Issue/Year Availability
    BibTip Others were also interested in ...
    Online Resource
    MPI Ethno. Forsch.
  • 10
    Online Resource
    Online Resource
    Microinsurance : a case study of the Indian rainfall index insurance market (2010)
    Washington, D.C : The World Bank
    Details
    Language: English
    Pages: Online-Ressource (45 p)
    Edition: 2010 World Bank eLibrary
    Parallel Title: Giné, Xavier Microinsurance
    Abstract: Rainfall index insurance provides a payout based on measured local rainfall during key phases of the agricultural season, and in principle can help rural households diversify a key source of idiosyncratic risk. This paper describes basic features of rainfall insurance contracts offered in India since 2003, and documents stylized facts about market demand and the distribution of payouts. The authors summarize the results of previous research on this market, which provides evidence that price, liquidity constraints, and trust all present significant barriers to increased take-up. They also discuss potential future prospects for rainfall insurance and other index insurance products
    DOI: 10.1596/1813-9450-5459
    URL: Volltext  (Deutschlandweit zugänglich)
    Library Location Call Number Volume/Issue/Year Availability
    BibTip Others were also interested in ...
    Online Resource
    MPI Ethno. Forsch.
Close ⊗
This website uses cookies and the analysis tool Matomo. More information can be found here...