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Related Experiment Video

Updated: Nov 12, 2025

An R-Based Landscape Validation of a Competing Risk Model

An R-Based Landscape Validation of a Competing Risk Model

Published on: September 16, 2022

Informal risk-sharing between smallholders may be threatened by formal insurance: Lessons from a stylized agent-based

Meike Will¹, Jürgen Groeneveld^1,2, Karin Frank^1,2,3

¹Department of Ecological Modelling, Helmholtz Centre for Environmental Research - UFZ, Leipzig, Germany.

|March 19, 2021

Summary

This summary is machine-generated.

Microinsurance can negatively impact vulnerable households by reducing informal support. However, it proves beneficial during widespread disasters like droughts, highlighting the need for integrated risk management strategies.

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Area of Science:

Economics
Social Sciences
Risk Management

Background:

Microinsurance is promoted for low-income households to mitigate health and climate risks.
Formal insurance may unintentionally weaken traditional informal risk-sharing arrangements.

Purpose of the Study:

To assess microinsurance impacts on smallholders unable to afford it.
To analyze the interplay between formal insurance and informal transfers.

Main Methods:

Utilized a stylized agent-based model.
Incorporated decision-making behavior regarding informal transfers.

Main Results:

Formal insurance can have negative side effects on resilience, even with willingness to contribute to informal arrangements.
Microinsurance is valuable during widespread shocks (e.g., droughts, floods) when combined with informal risk-sharing.

Conclusions:

New insurance programs must align with existing informal risk-coping mechanisms.
Effective microinsurance requires integration to avoid increased poverty and weakened informal support systems.