Please use this identifier to cite or link to this item: http://hdl.handle.net/10419/61415
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dc.contributor.authorGiesbert, Lenaen_US
dc.contributor.authorSteiner, Susanen_US
dc.date.accessioned2012-08-27en_US
dc.date.accessioned2012-08-27T12:53:10Z-
dc.date.available2012-08-27T12:53:10Z-
dc.date.issued2012en_US
dc.identifier.urihttp://hdl.handle.net/10419/61415-
dc.description.abstractThis article investigates the understandings and perceptions of (micro)insurance among low-income people in southern Ghana, using evidence from four focus group discussions. It analyzes how the focus group participants think about various types of insurance - among them a micro life insurance product - and how their negative and/or positive evaluations have come about. The evidence indicates that (micro)insurance is mostly positively perceived by the participants of the focus group discussions. However, it is also found that many people's image of insurance is based on incomplete (and sometimes erroneous) information, or even on intuition. In addition, the experiences or opinions of peers turn out to be critical in shaping an individual's perception of insurance. These two factors potentially have a contagious effect, which can lead to unreasonably positive or overly negative ideas about (micro)insurance. Such ideas, in turn, can become detrimental to the further distribution of microinsurance.en_US
dc.language.isoengen_US
dc.publisher|aDeutsches Institut für Wirtschaftsforschung (DIW) |cBerlinen_US
dc.relation.ispartofseries|aDIW Discussion Papers |x1194en_US
dc.subject.jelG22en_US
dc.subject.jelO16en_US
dc.subject.ddc330en_US
dc.subject.keywordMicroinsuranceen_US
dc.subject.keywordrisk managementen_US
dc.subject.keywordperceptionen_US
dc.subject.keywordGhanaen_US
dc.subject.keywordfocus groupsen_US
dc.titlePerceptions of (micro)insurance in Southern Ghana: The role of information and peer effectsen_US
dc.typeWorking Paperen_US
dc.identifier.ppn722248679en_US
dc.rightshttp://www.econstor.eu/dspace/Nutzungsbedingungen-
dc.identifier.repecRePEc:diw:diwwpp:dp1194en_US

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