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dc.contributor.authorGiesbert, Lenaen
dc.contributor.authorSteiner, Susanen
dc.date.accessioned2012-08-27-
dc.date.accessioned2012-08-27T12:53:10Z-
dc.date.available2012-08-27T12:53:10Z-
dc.date.issued2012-
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
dc.language.isoengen
dc.publisher|aDeutsches Institut für Wirtschaftsforschung (DIW) |cBerlinen
dc.relation.ispartofseries|aDIW Discussion Papers |x1194en
dc.subject.jelG22en
dc.subject.jelO16en
dc.subject.ddc330en
dc.subject.keywordMicroinsuranceen
dc.subject.keywordrisk managementen
dc.subject.keywordperceptionen
dc.subject.keywordGhanaen
dc.subject.keywordfocus groupsen
dc.titlePerceptions of (micro)insurance in Southern Ghana: The role of information and peer effects-
dc.typeWorking Paperen
dc.identifier.ppn722248679en
dc.rightshttp://www.econstor.eu/dspace/Nutzungsbedingungenen
dc.identifier.repecRePEc:diw:diwwpp:dp1194en

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