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150128 ||| eng |
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|a 9781475505443
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| 100 |
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|a Townsend, Robert
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| 245 |
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|a Barriers to Household Risk Management
|b Evidence from India
|c Robert Townsend, Shawn Cole, Jeremy Tobacman, Xavier Gine, James Vickery, Petia Topalova
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| 260 |
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|a Washington, D.C.
|b International Monetary Fund
|c 2012
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| 300 |
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|a 43 pages
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| 651 |
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4 |
|a United States
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| 653 |
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|a Wealth
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| 653 |
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|a Field Experiments
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| 653 |
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|a Finance
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| 653 |
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|a Personal Finance
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| 653 |
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|a Industries: Financial Services
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| 653 |
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|a Saving and Capital Investment
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| 653 |
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|a Economic Development: Financial Markets
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| 653 |
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|a National accounts
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| 653 |
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|a Liquidity; Economics
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| 653 |
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|a Education
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| 653 |
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|a Consumption; Economics
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| 653 |
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|a Financial Institutions and Services: General
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| 653 |
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|a Macroeconomics
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| 653 |
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|a Actuarial Studies
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| 653 |
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|a Investment Decisions
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| 653 |
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|a Insurance
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| 653 |
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|a Insurance companies
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| 653 |
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|a Institutional Investors
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| 653 |
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|a Pension Funds
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| 653 |
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|a Saving
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| 653 |
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|a Financial institutions
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| 653 |
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|a Financial Instruments
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| 653 |
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|a Asset and liability management
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| 653 |
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|a Liquidity
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| 653 |
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|a Non-bank Financial Institutions
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| 653 |
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|a Education: General
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| 653 |
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|a Consumption
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| 653 |
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|a Macroeconomics: Consumption
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| 653 |
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|a Finance: General
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| 653 |
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|a Portfolio Choice
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| 653 |
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|a Insurance Companies
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| 653 |
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|a Corporate Finance and Governance
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| 653 |
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|a Insurance & actuarial studies
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| 700 |
1 |
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|a Cole, Shawn
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| 700 |
1 |
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|a Tobacman, Jeremy
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| 700 |
1 |
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|a Gine, Xavier
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| 041 |
0 |
7 |
|a eng
|2 ISO 639-2
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| 989 |
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|b IMF
|a International Monetary Fund
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| 490 |
0 |
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|a IMF Working Papers
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| 028 |
5 |
0 |
|a 10.5089/9781475505443.001
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| 856 |
4 |
0 |
|u https://elibrary.imf.org/view/journals/001/2012/195/001.2012.issue-195-en.xml?cid=26132-com-dsp-marc
|x Verlag
|3 Volltext
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|a 330
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| 520 |
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|a 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 suggest contract design improvements to mitigate these frictions
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