指数保险与信贷和投入凭证捆绑的影响：来自埃塞俄比亚的实验证据

IF 2.3 3区经济学 Q2 ECONOMICS

Journal of Economic Behavior & Organization Pub Date : 2025-04-19 DOI:10.1016/j.jebo.2025.107013

Temesgen K. Belissa , Robert Lensink , Ana Marr

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引用次数: 0

摘要

本研究透过随机对照实验，评估指数保险与信用及投入凭证捆绑的吸收及影响。将埃塞俄比亚的小农随机分配到一个对照组和三个治疗组，分别是：(1)先行缴费的独立指数保险，(2)延迟缴费的独立指数保险，(3)信用与延迟缴费的指数保险，或(4)信用与投入凭证与延迟缴费的指数保险。与以往的研究不同，我们的研究特别将捆绑的影响与延迟保费的影响分离开来。结果突出了捆绑方面（即信贷和投入）的关键作用，不仅在增加吸收方面，而且在促进农业投资和生产力方面。

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The impact of bundling index insurance with credit and input vouchers: Experimental evidence from Ethiopia

This study assesses the uptake and impact of bundling index insurance with credit and input vouchers through a randomized control trial experiment. Smallholder farmers in Ethiopia are randomly assigned to a control group and three treatment arms, namely: (1) stand-alone index insurance with upfront premium payment, (2) stand-alone index insurance with delayed premium payment, (3) bundled index insurance with credit and delayed premium payment, or (4) bundled index insurance with credit and input vouchers with delayed premium payment. Distinguishing itself from previous studies, our research specifically isolates the impact of bundling from that of delayed premiums. The results highlight the crucial role of the bundled aspect (i.e., credit and inputs), not only in increasing uptake but also in fostering farming investments and productivity.

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来源期刊

Journal of Economic Behavior & Organization ECONOMICS-

CiteScore

3.80

自引率

9.10%

发文量

392

期刊介绍： The Journal of Economic Behavior and Organization is devoted to theoretical and empirical research concerning economic decision, organization and behavior and to economic change in all its aspects. Its specific purposes are to foster an improved understanding of how human cognitive, computational and informational characteristics influence the working of economic organizations and market economies and how an economy structural features lead to various types of micro and macro behavior, to changing patterns of development and to institutional evolution. Research with these purposes that explore the interrelations of economics with other disciplines such as biology, psychology, law, anthropology, sociology and mathematics is particularly welcome.