• Richard Hornbeck


Bundling Health Insurance and Microfinance in India: There Cannot be Adverse Selection if There is No Demand. Richard Hornbeck, January 2014, Paper. "Most of the world’s poor face large risks, which affect their investment decisions and contribute to the perpetuation of poverty (Karlan et al., 2013). In this context, insurance products targeted at the poor are seen as having substantial promise, as opportunities both to make profit and to improve efficiency and social welfare. The marketing of insurance products to the poor has faced two obstacles, however....." Link verified October 6, 2014