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Auriol, Emmanuelle
, Lassebie, Julie, Panin, Amma, Raiber, Eva and Seabright, Paul
(2017)
God insures those who pay? Formal insurance and religious offerings in Ghana.
TSE Working Paper, n. 17-831, Toulouse
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Abstract
This paper presents experimental evidence exploring how insurance might be a motive for religious donations by members of a Pentecostal church in Ghana. We ran- domize enrollment into a commercially available funeral insurance policy and let church members allocate money between themselves and a set of religious goods in a series of dictator games with significant stakes. Members enrolled in insurance give significantly less money to their own churches. At the same time, enrollment in insurance reduces giving towards other spiritual goods. We set up a model exploring different channels of religious based insurance. The implications of the model and the results of the dictator games suggest that adherents perceive the church as a source of insurance and that this insurance is derived from beliefs in an interventionist God. Survey results suggest that community-based material insurance is also important and we hypothesize that these two insurance channels exist in parallel.
| Item Type: | Monograph (Working Paper) |
|---|---|
| Language: | English |
| Date: | July 2017 |
| Place of Publication: | Toulouse |
| Uncontrolled Keywords: | economics of religion, informal insurance, charitable giving |
| JEL Classification: | D14 - Personal Finance G22 - Insurance; Insurance Companies O12 - Microeconomic Analyses of Economic Development O17 - Formal and Informal Sectors; Shadow Economy; Institutional Arrangements - Legal, Social, Economic, and Political |
| Subjects: | B- ECONOMIE ET FINANCE |
| Divisions: | TSE-R (Toulouse) |
| Institution: | Université Toulouse 1 Capitole |
| Site: | UT1 |
| Date Deposited: | 16 Apr 2018 15:15 |
| Last Modified: | 02 Apr 2021 15:57 |
| OAI Identifier: | oai:tse-fr.eu:31915 |
| URI: | https://publications.ut-capitole.fr/id/eprint/25642 |
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