TAILIEUCHUNG - insurance credit and technology adoption

Tham khảo sách 'insurance credit and technology adoption', kỹ thuật - công nghệ, tự động hoá phục vụ nhu cầu học tập, nghiên cứu và làm việc hiệu quả | WPS4425 Policy Research Working Paper 4425 Insurance Credit and Technology Adoption Field Experimental Evidence from Malawi Xavier Gini Dean Yang The World Bank Development Research Group Finance and Private Sector cam December 2007 Policy Resmrch Working Paplr 4425 Abstract The adoption of new agricultural technologies may be discouraged Ikcuum t that inherent ridcinm. This study implemented a randomized held experiment to ask whether the provision of insurance against a major source of production tide induces farmers to cake out loans to invest in a new crop variety. The study simple was composed of roughly 800 maize and groundnut farmers in Malawi where by far the dominant source of production risk is the level of rainfall. We randomly selected half of the farmers co be offered credit to purchase high-yielding hybrid maize and improved groundnut seeds for planting in the November 2006 crop season. The other half of the farmers were offered a similar credit package but were also required to purchase at actuarially fair rates a weather insurance policy hat partially or fully forgave the loan in the event of poor rainfall. Surprisingly take up was lower by 13 percentage points among farmers offered insurance with rhe loan. Take-up was percent for farmer who were offered the uninsured loan. There is suggestive evidence that the reduced take-up of the insured loan was due co the high cognitive cost of evaluating rhe insurance insured loan take-up was positively correlated with farmer education levels. By contrast the take-up of the uninsured loan was uncorrehted with farmer education. This paper a product of the Finance and Private Sector Development learn. Development Research Group- is parr of a larger effort in rhe group co study rhe impact of financial innovations on technology adoption. Policy Research Working Paper arc also posted on the Web at . The author may fie contacted at xgine worldbank org. rv Mff Vruwit Itivhnjf Vzrc 4 f .

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