Search results for " data collection."

The welfare cost of unpriced heterogeneity in insurance markets

2016

We consider the welfare loss of unpriced heterogeneity in insurance markets, which results when private information or regulatory constraints prevent insurance companies to set premiums reflecting expected costs. We propose a methodology which uses survey data to measure this welfare loss. After identifying some “types” which determine expected risk and insurance demand, we derive the key factors defining the demand and cost functions in each market induced by these unobservable types. These are used to quantify the efficiency costs of unpriced heterogeneity. We apply our methods to the US Long-Term Care and Medigap insurance markets, where we find that unpriced heterogeneity causes substan…

The use of e-government services and the Internet: The role of socio-demographic, economic and geographical predictors

2013

This article explores the use of e-government services from the perspective of digital divides. First, it aims to find out which socio-demographic, economic and geographical factors predict the use of e-government services. Second, the article aims to show whether these factors moderate the way in which the time spent on the Internet is associated with the use of e-government services. The article is based on survey data (N=612) collected in Finland in May–June 2011 and is analysed by using a logistic regression modelling. Results show that gender and income moderate the link between the Internet and e-government service use. The more that women use the Internet, the more they use the gover…

The interaction between culture and sex in the formation of entrepreneurial intentions

2013

This study aims to reveal the effect of an interaction between culture and sex on the formation of entrepreneurial intentions, while building on notions of a cultural construction of gender. The study adopts the theory of planned behaviour as the setting for such exploration, as it has been proven to be robust across national contexts. The analysis is based on survey data collected from business students in Norway and Turkey. Both countries were selected as two distinct and opposite cultural constellations in accordance with the dissatisfaction approach to entrepreneurship. Turkey representing a relatively masculine, high power distance, uncertainty avoiding and collectivistic society; whil…

Who Uses Intermediaries in International Trade? Evidence from Firm-level Survey Data

2013

The present paper uses data from the World Bank Enterprise Survey conducted in Turkey in 2005 to shed light on the firms that use intermediaries in international trade. It lends robust empirical support to recent theories which suggest that indirect exporters are mostly small firms that are not profitable enough to cover the high fixed costs of building an own distribution network abroad. Manufacturers who develop new products are more likely to use trade intermediaries, as are firms that produce low-quality goods. In contrast, neither foreign ownership nor credit constraints are correlated with the choice of export mode. Moreover, firms that rely on trade intermediaries to sell their goods…

Factors underlying displacement: an analysis of Finnish regional incentive policy using survey data on assisted firms

1990

Production risk, risk aversion and the determination of risk attitudes among Spanish rice producers

2011

Agricultural production is subject to risk and the attitudes of producers toward risk will influence input choices insofar as these affect production risk. Risk attitudes in turn may be affected by certain socioeconomic characteristics of producers. Using 2004 survey data from a cross-section of 130 Spanish rice farms, we estimate risk-aversion coefficients of farmers and investigate the influence of a series of socioeconomic variables on their risk attitudes. Our results show that farmers exhibit risk-averse behavior and that risk attitudes are related to a series of socioeconomic characteristics. In particular, the belief that the farm will continue after the producer retires is found to …

TEMPORARY CONTRACTS, EMPLOYMENT PROTECTION AND SKILL: AN APPLICATION TO SPAIN*

2011

In this paper we explain the different conversion patterns of temporary contracts by the impact of employment protection in combination with differences in productivity between workers. We use longitudinal survey data from individuals to estimate a competing risks model with multispells for Spain. The model includes correlated unobserved determinants in the transition rates to deal with selectivity. We find that workers with higher levels of education have a stronger probability of finding a permanent job. In contrast, low-educated workers have a stronger probability of ending in unemployment or another temporary contract. Furthermore, we show the importance of employment protection in affe…

Why Do People Dislike Low-Wage Trade Competition with Posted Workers in the Service Sector?

2013

AbstractThe issue of low-wage competition in services trade involving posted workers is controversial in the EU. Using Swedish survey data, people's attitudes are found to be more negative to such trade than to goods trade. The differences depend on both a preference for favouring social groups to which individuals belong (the domestic population) and altruistic justice concerns for foreign workers. In small-group experiments, we find a tendency for people to adjust their evaluations of various aspects of trade to their general attitude. This tendency is stronger for those opposed to than those in favour of low-wage trade competition. This may indicate that the former group forms its attitu…

Discrimination by microcredit officers: Theory and evidence on disability in Uganda

2015

This paper studies the relationship between a microfinance institution (MFI) and its loan officers when officers discriminate against a particular group of micro-entrepreneurs. Using survey data from Uganda, we provide evidence that loan officers are more biased than other employees against disabled micro-entrepreneurs. In line with the evidence, we build an agency model of a non-profit MFI and a biased loan officer in charge of granting loans. Since incentive schemes are costly and the MFI's budget is limited, the MFI faces a trade-off between combating discrimination and granting loans. We show that the optimal incentive premium is a non-decreasing function of the MFI's budget. Moreover, …

Motivations, adoption and impact of voluntary environmental certification in the Italian Forest based industry: The case of the FSC standard

2017

Abstract Over the past few years several private voluntary schemes have been developed worldwide to address the environmental issues in the forest based industry. Using survey data, this study analyse the main factors motivating companies operating in the Italian forest based industry to implement FSC (Forest Stewardship Council) standard, as a tool to promote responsible forest management and traceability of derived products, and the impact of this standard on the economic and organisational results. The findings provide evidences that signalling mechanisms drive the entrepreneurs towards the adoption of FSC certification, followed by moral and ethical reasons. In terms of impact, emerges …