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2017 | Buch

Introduction Kapitel lesen Erstes Kapitel lesen

Natural Disasters and Individual Behaviour in Developing Countries

Risk, Trust and the Demand for Microinsurance

verfasst von: Oliver Fiala

Verlag: Springer International Publishing

Buchreihe : Contributions to Economics

Enthalten in: Springer Professional "Wirtschaft+Technik" , Springer Professional "Wirtschaft" , Springer Professional "Technik"

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Über dieses Buch

This study investigates the complex link between natural disasters, individual behaviour – in the form of an individual’s risk-taking propensity and level of trust – and the demand for microinsurance. Developing countries are particularly vulnerable to the impacts of natural hazards and climate change as they affect their development processes and set back poverty reduction efforts. Using a unique data set for rural Cambodia based on a survey, experimental games and a discrete choice experiment, the study highlights the importance of perceptions, expectations and psychological factors in decision-making processes with substantial consequences for long-term economic perspectives and poverty alleviation.

Inhaltsverzeichnis

Frontmatter
Chapter 1. Introduction
Abstract
In the last 45 years, the number of natural disasters has increased constantly, affecting 6.6 billion people worldwide and causing the deaths of 3.2 million (EM-DAT 2015). Climate change is likely to further escalate the frequency and intensity of extreme weather events. Developing countries are particularly vulnerable to these effects as the damage caused by natural disasters affects their development processes, with significant impacts on poor households.
Oliver Fiala
Chapter 2. Natural Disasters in Developing Countries
Abstract
Based on a statistical overview of natural disasters, this chapter presents the severe economic and social impacts in terms of human life, livelihoods and physical capital, with short- and long-term consequences for economic growth and development. Furthermore, the highly complex relationship between natural disasters and the level of a country’s development will be analysed.
Oliver Fiala
Chapter 3. Experiencing Natural Disasters: How This Influences Risk Aversion and Trust
Abstract
This chapter investigates the effect of natural disasters on individual behaviour, with a particular focus on individuals’ risk-taking behaviour and levels of trust. A theoretical analysis and empirical results from the literature are followed by an introduction to the conducted field experiment. Thereafter, empirical evidence from rural Cambodia will be presented in order to investigate the impact of natural disaster exposure and other socio-economic factors on individuals’ risk-taking propensity and levels of trust and trustworthiness.
Oliver Fiala
Chapter 4. The Demand for Microinsurance Products Against Disaster Risk
Abstract
This chapter introduces microinsurance as a promising and rapidly growing instrument of disaster risk management in developing countries. Following a comprehensive overview of the individual determinants of insurance demand, the relationship between disaster experience and the demand for microinsurance will be analysed in detail. Using results from a discrete choice experiment, empirical evidence will be presented to explain the demand for microinsurance, highlighting the role of risk behaviour, trust and risk exposure.
Oliver Fiala
Chapter 5. Going Forward: Building Resilience with Microinsurance
Abstract
This chapter will highlight and discuss important results and conclusions from the theoretical and empirical analysis. These include the role of individual behaviour in decision-making processes, substitutes to microinsurance and the possible benefits of insurance for prevention and productivity, as well as the future of microinsurance and a commentary on disaster risk management.
Oliver Fiala
Chapter 6. Conclusion
Abstract
This study has investigated the complex link between natural disasters, individual behaviour—in the form of an individual’s risk-taking propensity and level of trust—and the demand for microinsurance, using a unique data set for rural Cambodia based on a survey, experimental games and a discrete choice experiment.
Oliver Fiala
Backmatter
Metadaten
Titel
Natural Disasters and Individual Behaviour in Developing Countries
verfasst von
Oliver Fiala
Copyright-Jahr
2017
Electronic ISBN
978-3-319-53904-1
Print ISBN
978-3-319-53903-4
DOI
https://doi.org/10.1007/978-3-319-53904-1

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