The social dilemma of microinsurance: A framed field experiment on free-riding and coordination in microcredit groups

  • Date Posted: September 20, 2012
  • Authors: Wendy Janssens, Berber Kramer
  • Organizations/Projects: VU University Amsterdam
  • Document Types: Evidence or Research
  • Donor Type: Multilateral Organization

Microinsurance games played with microcredit clients in Tanzania confirmed that less risk-averse clients are tempted to free-ride and forgo individual insurance. The findings suggest that group insurance may provide a solution for low uptake of microinsurance.

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