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- W3125065289 abstract "Empirical evidence that migrants send home more remittances after disasters raises the question of whether remittances can be used to self-insure, substituting for both formal and informal insurance. We investigate this question using a unique data set on the usage patterns of financial services by households in South Africa. We show that the likelihood that a respondent has a formal funeral cover increases with income and banking status. However, it is lower for individuals receiving remittances, which supports the idea that remittances act as (self-) insurance. We also show that purchasing formal funeral cover is influenced by other risk management strategies and that determinants of informal insurance differ from those of formal insurance." @default.
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- W3125065289 date "2010-01-01" @default.
- W3125065289 modified "2023-09-27" @default.
- W3125065289 title "Remittances, Banking Status and the Usage of Insurance Schemes" @default.
- W3125065289 hasPublicationYear "2010" @default.
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