Tag
informal_insurance
2 findings
Finance & microfinanceInformal Risk-Sharing via Group Meeting FrequencyRegular and grace period groups maintained identical fortnightly meeting schedules (14 days apart) and meeting lengths (18 minutes), confirming that social network degradation was not the driver of higher grace period default rates.RCTEconomics (general)Social Network Risk-Sharing DistortionOver 35% of reported gifts and high-value loans occurred between relatives compared to only 2% between coworkers; unincentivized workers were 7 percentage points more likely to refer relatives (baseline <15%) than workers facing performance-contingent pay.RCT