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Agricultural insurance index-based: justification and implementation in Niger

Author

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  • Ahamadou MAICHANOU
Abstract
This article focuses on borrowers default in rural credit in Niger, according to their food needs situation. Given that economic agents are likely to adopt opportunistic behavior rather than mutually beneficial relations when facing natural hazards, this analysis is taken from the perspective of contract theory with asymmetric information. In the case of rural Niger, it empirically addresses the determinants of involuntary default, voluntary default and repayment effort, while managing the difficulties of applying the concepts of information economy and uncertainty to the complexity of rural area credit in a developing country. Results show more involuntary default than voluntary one and a real willing to repay. These results make us to provide support for households with effort repayment willing and establish an incentives structure for all kind of borrowers.

Suggested Citation

  • Ahamadou MAICHANOU, 2016. "Agricultural insurance index-based: justification and implementation in Niger," Cahiers du GREThA (2007-2019) 2016-05, Groupe de Recherche en Economie Théorique et Appliquée (GREThA).
    • Handle: RePEc:grt:wpegrt:2016-05
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    File URL: http://cahiersdugretha.u-bordeaux.fr/2016/2016-05.pdf
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    More about this item

    Keywords

    Contract; credit; risk of default; asymmetry of information; rural; Niger;
    All these keywords.

    JEL classification:

    • D13 - Microeconomics - - Household Behavior - - - Household Production and Intrahouse Allocation
    • D86 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Economics of Contract Law

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