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Disclosure, Trust and Persuasion in Insurance Markets
de Meza, David; Irlenbusch, Bernd; Reyniers, Diane - Institute for the Study of Labor (IZA) - 2010
their decisions which suggests that they are easier to persuade. Therefore, in markets where persuasion is important, public …
Persistent link: https://www.econbiz.de/10008560393
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Effect of Perceptions and Behaviour on Access to and Use of Financial Service: Evidence from South Africa
Annim, Samuel; Arun, Thankom Gopinath; Kostov, Philip - Institute for the Study of Labor (IZA) - 2012
This study investigates the effect of financial perception and behaviour on; (a) general accounts and services, (b … three estimations support the hypothesis that financial perception has a greater effect on the decision to access and use … behaviour is greater than financial perception when making decisions on the take-up and use of investment financial services. It …
Persistent link: https://www.econbiz.de/10010766375
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Usage of Financial Services in South Africa: Perceptions Matter
Kostov, Philip; Arun, Thankom Gopinath; Annim, Samuel - Institute for the Study of Labor (IZA) - 2013
This study investigates the access to and usage of financial services in South Africa. Financial services are categorised in three types namely; general accounts and services, investment/savings and insurance/assurance. Taking into account the interactions between usage of different types of...
Persistent link: https://www.econbiz.de/10010766378
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A Multi-Method Approach to Identifying Norms and Normative Expectations within a Corporate Hierarchy: Evidence from the Financial Services Industry
Burks, Stephen V.; Krupka, Erin L. - Institute for the Study of Labor (IZA) - 2011
This paper presents the results of a field study at a large financial services firm that combines multiple methods, including two economic experiments, to measure ethical norms and their behavioral correlates. Standard survey questions eliciting ethical evaluations of actions in on-the-job...
Persistent link: https://www.econbiz.de/10009151026
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Risk Management among the Poor: The Case of Microfinancial Services
Arun, Thankom; Bendig, Mirko - Institute for the Study of Labor (IZA) - 2010
This paper argues that the level of financial services provision determines the risk management strategies among the poor. The paper estimates the determinants of the household’s use of one, two or all three types of microfinancial services applying ordered probit models and additionally...
Persistent link: https://www.econbiz.de/10008564688
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Behavioural Labour Economics: Advances and Future Directions
Dohmen, Thomas - Institute for the Study of Labor (IZA) - 2014
multitude of psychological motives that drive human behaviour, and despite the fact that many influential economists thereafter … challenged by compelling evidence on social, cognitive and emotional factors that drive decision-making and social interaction …
Persistent link: https://www.econbiz.de/10010959714
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Liberty and the Post-Utilitarian Society
Saint-Paul, Gilles - Institute for the Study of Labor (IZA) - 2012
Utilitarian foundations for limited government are shaky insofar as they assume rational and consistent individuals. Recently economists' assumption of rational actors has come under sustained attack. Behavioural economics has suggested that people are plagued by irrational biases and...
Persistent link: https://www.econbiz.de/10011079233
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Eingeschränkt rationales Verhalten: Evidenz und wirtschaftspolitische Implikationen
Altmann, Steffen; Falk, Armin; Marklein, Felix - Institute for the Study of Labor (IZA) - 2009
Die Präzision ökonomischer Prognosen und die Qualität politischer Handlungsempfehlungen hängen in entscheidendem Ausmaß von der Qualität des zugrunde liegenden Verhaltensmodells ab. Nur ein empirisch gut fundiertes Modell ökonomischen Handelns erlaubt es, die Konsequenzen politischer...
Persistent link: https://www.econbiz.de/10008615417
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Charity Donations and the Euro Introduction: Some Quasi-Experimental Evidence on Money Illusion
Kooreman, Peter; Faber, Riemer; Hofmans, Heleen - Institute for the Study of Labor (IZA) - 2004
We compare the revenues of a house-to-house collection for a charity before and after the introduction of the euro in a ceteris paribus setting. We find strong evidence of money illusion, supplementing earlier econometric, experimental, and survey evidence on its existence.
Persistent link: https://www.econbiz.de/10005566512
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A Model of Overconfidence
Weinberg, Bruce A. - Institute for the Study of Labor (IZA) - 2009
People use information about their ability to choose tasks. If more challenging tasks provide more accurate information about ability, people who care about and who are risk averse over their perception of their own ability will choose tasks that are not sufficiently challenging. Overestimation...
Persistent link: https://www.econbiz.de/10005039646