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Trial Status in_development completed
Last Published May 24, 2019 03:57 AM July 15, 2020 10:14 AM
Study Withdrawn No
Intervention Completion Date July 01, 2019
Data Collection Complete Yes
Final Sample Size: Number of Clusters (Unit of Randomization) 80 sessions (more than 4 participants; as specified in the pre-analysis plan, we discarded sessions with less than 4 participants)
Was attrition correlated with treatment status? No
Final Sample Size: Total Number of Observations 494 participants
Final Sample Size (or Number of Clusters) by Treatment Arms 176 participants in Insurance session, 156 participants in Insurance Information session, 162 in No Insurance session
Public Data URL https://doi.org/10.7910/DVN/KVFRFO
Is there a restricted access data set available on request? Yes
Restricted Data Contact [email protected]
Program Files Yes
Program Files URL https://doi.org/10.7910/DVN/KVFRFO
Data Collection Completion Date July 01, 2019
Is data available for public use? Yes
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Papers

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Paper Abstract 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 significant stakes. Members enrolled in insurance give significantly 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 different 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.
Paper Citation Emmanuelle Auriol, Julie Lassébie, Amma Panin, Eva Raiber, and Paul Seabright. “God Insures Those Who Pay? Formal Insurance and Religious Offerings in Ghana,” The Quarterly Journal of Economics, forthcoming
Paper URL https://economics.harvard.edu/files/economics/files/ms27858.pdf
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