Disposición a pagar por microseguros: un experimento de laboratorio para un seguro multiriesgo hogar
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Osorio Hincapié, Sandra Milena
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Tipo de contenido
Trabajo de grado - Maestría
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EspañolFecha de publicación
2014-10-08
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Resumen: La falta de oportunidades crediticias e inclusive las tasas de usura a las que se veían sometidos los pobres, llevó a Muhammad Yunus en los 70s en Bangladesh, a desarrollar el concepto de microcrédito: préstamos de bajos montos para personas pobres. Uno de los productos derivados llevó a la creación de los microseguros (MS) como una solución para el cubrimiento de diversos riesgos para personas con bajos ingresos. Para intervenir e incrementar la penetración de los MS se requiere conocer los procesos de toma de decisiones asociados. En este trabajo se desarrolla un experimento piloto de toma de decisiones para estudiar la disponibilidad a pagar (WTP) de potenciales tomadores de MS en Colombia. El experimento abre un nuevo camino para la comprensión de la WTP, lo que es útil para la formulación de estrategias empresariales para la penetración de los MS y el desarrollo de nuevos productos en el nuevo mercado de las microfinanzas. Se muestra como la WTP de las personas con bajos ingresos puede verse condicionada por aspectos tales como el desconocimiento de la función de los seguros, la reputación de las aseguradoras respecto a las objeciones que hacen para no pagar los siniestros y el entendimiento insuficiente de los sucesos y sus probabilidades en el mundo real, entre otras. El trabajo muestra conclusiones iniciales y lineamientos metodológicos con miras a la formalización de un experimento.
Abstract: Lack of credit opportunities including usury rates to which were subjected the poor, led Muhammad Yunus in Bangladesh in the 70s, to develop the concept of microcredit: loans of small amounts to poor people. One of the derived products led to the creation of Microinsurance (MS) as a solution for covering several risks to people with low incomes. To intervene and increase the penetration of MS it requires to know the associated processes of decisions making. In this paper a pilot experiment of decision making is developed to study the willingness to pay (WTP) of potential takers of MS in Colombia. The experiment opens a new way for understanding the WTP, which is useful for the formulation of business strategies for the penetration of the MS and the development of new products in the new market of microfinance. It shows how the WTP of people with low incomes may be conditioned by factors such as lack of knowledge of the function of insurance, the reputation of the insurers about the objections they put for not paying claims and the insufficient understanding of events and their chances in the real world, among others. The work shows initial conclusions and methodological guidelines with a view to the formalization of an experiment.
Abstract: Lack of credit opportunities including usury rates to which were subjected the poor, led Muhammad Yunus in Bangladesh in the 70s, to develop the concept of microcredit: loans of small amounts to poor people. One of the derived products led to the creation of Microinsurance (MS) as a solution for covering several risks to people with low incomes. To intervene and increase the penetration of MS it requires to know the associated processes of decisions making. In this paper a pilot experiment of decision making is developed to study the willingness to pay (WTP) of potential takers of MS in Colombia. The experiment opens a new way for understanding the WTP, which is useful for the formulation of business strategies for the penetration of the MS and the development of new products in the new market of microfinance. It shows how the WTP of people with low incomes may be conditioned by factors such as lack of knowledge of the function of insurance, the reputation of the insurers about the objections they put for not paying claims and the insufficient understanding of events and their chances in the real world, among others. The work shows initial conclusions and methodological guidelines with a view to the formalization of an experiment.