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Do the poor insure? A synthesis of the literature on risk and consumption in developing countries (anglais)

How well do rural households in developing countries mitigate the income risk of the rural sector? There are several sensible reasons why households cannot fully insure consumption against income fluctuations. The well-known problems of moral hazard, information asymmetries, and deficient ability to enforce contracts may result in no or incomplete insurance markets - and certainly there is a dearth of formal insurance markets in developing countries...
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