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Home | Events Archive | SEMINAR CANCELLED God insures those who Pay? Formal Insurance and Religious Offerings in Ghana

SEMINAR CANCELLED God insures those who Pay? Formal Insurance and Religious Offerings in Ghana

  • Series
    CREED Seminars
  • Speaker(s)
    Amma Panin (World Bank, United States)
  • Field
    Behavioral Economics
  • Location
    University of Amsterdam - E-building, Roetersstraat 11
  • Date and time

    March 19, 2020
    16:00 - 17:15

This paper provides experimental support for the hypothesis that insurance can be a motive for religious donations. We randomize enrollment of members of a Pentecostal church in Ghana into a commercial funeral insurance policy. Then church members allocate money between themselves and a set of religious goods in a series of dictator games with signi fcant stakes. Members enrolled in insurance give signi ficantly less money to their own church compared to members that only receive information about the insurance. Enrollment also reduces giving towards other spiritual goods. We set up a model exploring diff erent channels of religiously based insurance.The implications of the model and the results from 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 material insurance from the church community is also important and we hypothesize that these two insurance channels exist in parallel. Joint with Emmanuelle Auriol, Julie Lassébie, Eva Raiber, and Paul Seabright.

Keywords: economics of religion, informal insurance, charitable giving
JEL codes: D14, G22, O12, O17, Z12

Click here to read full paper.