Households’ Willingness to Pay for Health Microinsurance and its Impact on Actual Take-up: Results from a Field Experiment in Senegal

Abstract

Community-based health insurance schemes (CBHIS) have been present in the region of Theis, Senegal, for many years. Yet, despite the benefits they offer, take-up rates remain low. This article measures the willingness to pay (WTP) for CBHIS premiums in such a context; our results highlight the role of income, wealth and risk preferences as determinants of WTP. We also provide an analysis of the predictive power of WTP on the actual take-up of insurance following our offering of membership to a sample of 360 households. Results show that WTP has a positive and significant impact on actual CBHIS take-up.     

Economic Crises,Crisis of Labour Law? Lessons from Weimar

Labour law has been thrown into turmoil in many large industrialized countries with democratic tradition and market economies. In fact, rapid economic globalization resulted in an irremediable decline in collective bargaining in most of the states that entered into the sphere of Anglo-Saxon capitalism. On a first reading, the financial crisis of 2008 exacerbated this retreat of labour law back to its initial individualist and contractual forms. In analysing the contemporary crisis of labour law, the historical-comparative method can be highly fruitful, especially if one considers the precedent of the economic crisis of 1929. On this basis, I first consider an influential text by Hugo Sinzheimer on the ‘crisis of labour law’ in Weimar Germany and a study by Otto Kahn-Freund on the changing function of labour law in the same context. These works can be connected to the concept of the ‘labour constitution’, which Max Weber notably developed in an empirical sense, and which finds its extension in the later works of Thilo Ramm, a labour scholar of international reputation.     

Reconstruction of the state: Lobbying against political corruption in the Czech Republic

High level of distrust in political elites accompanied with a strong perception of corruption in Czech Republic has led to an increase of several anti‐corruption nongovernmental organisations' activities. About 18 organisations have created in 2013 an open coalition and established a project called “Reconstruction of the State” (Rekonstrukce státu). This project is oriented towards political parties and political elites to lead them to adopt nine anti‐corruption legislative proposals. This paper analyses how the project operates in its formal and informal aspects, which communication means are preferred and how the lobbyists interact with the politicians and political parties. Apart from the analysis of publicly available pieces of information from the project's website and official printed materials, semistructured interviews with activists and field research were performed. It can be seen that Reconstruction of the state has been most successful regarding agenda‐setting, but in the context of the legislative process, it has to face many obstacles either from legislators themselves or competitors with different goals.     

Corporate values of the 25 largest European banks: Exploring the ambiguous link with corporate scandals

Corporate value statements communicate what a firm aspires for and what drives their value creation. In addition, corporate values often also define which behaviors are acceptable and which are not. Ideally, corporate values are representations of a firm's informal corporate values and organizational culture. However, in practice, there is an inherent tension between the aspirations and actual values and ensuing behaviors of and within a firm—let alone the potentially different interpretations of abstract corporate value statements. In this paper, we set out to provide more clarity on what corporate values are, how they are inherently ambiguous, and how in practice they compare to firm involvement in scandals. For this purpose, we study the corporate values of the 25 largest European banks after the financial crisis. “Integrity” appeared to be the most common value among the 25 banks, followed by “customer focus.” Nonetheless, over the past 6 years, 15 out of the 25 studied banks were involved in one or more scandals. Scandals can be systematic or caused by rogue employees, and benefitting the firm or their customers—in the latter case, providing an interesting interpretation of the customer focus value. Additionally, we found that courage or its synonyms were barely mentioned among banks' corporate values, potentially providing an additional explanation for the fast size of the financial crisis. Finally, we found that banks that had inclusive social principles such as respect, solidarity, and equality did not face large-scale scandals.     

The influence of ethanol containing cosmetics on ethyl glucuronide concentration in hair

Ethyl glucuronide (EtG) and fatty acid ethyl esters (FAEE), non-volatile, direct metabolites of ethanol have been shown to be suitable markers for the evaluation of social and chronic excessive alcohol consumption. Previous investigations have shown that the regular use of hair-care products with high alcohol content lead to an increase of FAEE concentration and consequently gave false-positive results for the determination of FAEE in hair. In this study we investigated the influence of a long-term hair treatment with EtOH containing lotion, on the EtG concentrations in hair. In this study 7 volunteer subjects (classified as either rare, social or heavy drinkers) treated the right side of their scalp every day during a one or two month period with a commercial hair tonic (Seborin), which contains 44.0% ethanol (vol%). Collection of hair specimens from both sides of the scalp was done one day before hair treatment, one week and one month after treatment (for 5 subjects also after two months of treatment). A hair segment of 3 centimeters (cm) was cut and then washed with water and acetone, and then pulverized. EtG was quantified by GC/MS after pulverization and 2h of ultrasonication in water, extraction by solid phase extraction using Oasis MAX columns and derivatization with HFBA. Measurements were done in negative chemical ionization mode using EtG-D5 as internal standard. Comparison of EtG concentration in the treated and in the non-treated hair specimens did not show any increase at the different dates of collection for the 7 subjects. In conclusion, these results show that there is no indication for an increase of EtG after use of ethanol containing hair cosmetics.     

Can ethyl glucuronide in hair be determined only in 3 cm hair strands?

This paper addresses the suitability of ethyl glucuronide in hair (EtGH) strands other than 3cm for alcohol consumption. This issue will be addressed (a) by statistically comparing the distribution of EtGH results for 3cm hair strands to other hair strands analysed from 4126 cases and (b) by examining the stability of EtGH in an 8cm hair strand and two 12cm hair samples of two volunteers and a post-mortem case using 1cm segmental analysis. For 3464 driving license re-granting Medical and Psychological Assessment (MPA) cases, the detection of alcohol consumption using hair lengths longer than 3cm was never significantly less than for 3cm hair lengths, even up to 12cm hair lengths analysed non-segmented. For 662 non-MPA cases, where, in contrast to MPA cases, generally no abstinence was required, an increase in the EtGH positivity rate was observed with increasing hair length analysed up to 9cm, indicating that EtG-washout effects seem to play a minor role if any. For both MPA and non-MPA hair samples less than 3cm, a drastic, significant increase in the number of positive EtGH samples were observed, compared to 3cm hair lengths, strongly supportive of EtGH incorporation from sweat after a recent alcohol consumption. Segmental studies indicated that EtG is stable in the hair matrix up to 12cm long, hence supporting the above results. Even though both the statistical and the stability studies are preliminary results which need to be confirmed by other studies, they both provide evidence for the determination of alcohol consumption using EtGH in hair lengths longer than 3cm. Amendments to the Consensus of the Society of Hair Testing, the German driving license re-granting guidelines and EWDTS hair guidelines with respect to testing for abstinence and/or alcoholism are proposed for the benefit of the donors.     

Psychosocial work environment, interpersonal violence at work and mental health among correctional officers

The main purpose of this study was to present changes occurring between 2002 and 2004 in the prevalence of psychosocial constraints and interpersonal violence at work among officers working in correctional facilities in Quebec. Results suggest that in the absence of specific organizational intervention aimed at improving a deleterious work situation, exposure to low decision latitude remained similar between 2002 and 2004, while exposure to high psychological demands improved somewhat, for both men and women. In 2000, rates of exposure of correctional officers in Quebec to high psychological demands, low decision latitude and the combination of high psychological demands and low decision latitude (job strain) were significantly higher than those obtained for the entire population of workers in Quebec in contact with the public. Exposure of correctional officers in Quebec to intimidation at work increased substantially between 2002 and 2004, among both men and women. Globally speaking, rates of exposure to intimidation by colleagues and superiors practically doubled between 2000 and 2004. Rates of exposure to intimidation among correctional officers in Quebec were particularly high in 2004 (71% among men 66% among women) compared to rates in another study conducted among federal correctional officers (48%) by Samak. The present study also showed that in 2004, correctional officers in Quebec were more likely to present signs of psychological distress linked with work when they were exposed to high psychological demands, low decision latitude, job strain and poor social support from superiors and colleagues. Psychological distress was also shown to be greater when reward at work was scarce and when there was an imbalance between effort and reward at work. Finally, in 2004, psychological distress among correctional officers was also associated with intimidation and psychological harassment at work.     

Adolescents' Closeness with Parents,Siblings, and Friends in Three Countries: Canada,Belgium, and Italy

This study compared interpersonal relationships of adolescents from Canada, Belgium, and Italy. The sample of 377 subjects was composed almost equally of boys and girls, grouped into three age groups ranging from 11 to 18 years. Each subject participated in a semistructured interview designed to examine the levels of closeness with the mother, father, siblings, and close friends. The study revealed important discrepancies among the adolescents from the three countries. Family was found to occupy a more central role in the relational world of Italian adolescents, whereas friends were found to occupy a more important place for Canadian youth. Belgian adolescents were found to adopt a middle position between these two extremes. Variations in cultural context and cultural practices are explored as a possible interpretation of these differences. The study also revealed significant consistencies across the three countries: the importance of friends in the relational life of adolescents, the privileged position of the mother in the family, and the distant position of the father.     

Rent-seeking and the behavior of regulators: An empirical analysis

The main contribution of this paper is to describe empirically how the rent-seeking process takes place in a regulated industry through the consistency in Board decisions. Evidence provided by discrete-choice decision models of regulators confirms that the conventional rent-seeking view of regulation is correct, namely to distribute wealth between various groups differently from what market forces would do. First of all, the structure of the rent-seeking activities in the Quebec regulated trucking industry is well explained. There exist behavioral uniformities (Russell and Shelton, 1974) in decisions taken by the Quebec Transport Commission, given its wide range of choice provided by the absence of detailed regulatory standards by the Quebec legislature. Secondly, trucking firms and large shippers are the interest groups seeking to extract artificially contrived rents. The capture theory of regulation is not a dominant political strategy and therefore does not analytically explain various trades taking place among interest groups when a permit authority is requested. So logrolling by regulators is clearly essential to maintain their non-transferable investment of time and talent and protect their political afterlife. Thirdly, large firms are more successful, at the margin, than small firms in their expansion because of their political effectiveness. The regulatory agency gives more rents to those who offer relatively strong electoral support to its party. Finally, appointed regulators do not achieve other positive payoffs from the regulatory process than those which may result from the agency problem. So the regulatory agency does not promote its own policy agenda, but rather that of the elected politicians, given the organizational and control problem between these two.I am indebted to the Social Sciences and Humanities Research Council of Canada for its financial support, to Gérard Bélanger, Jean-Luc Migué for helpful comments and to Sylvain Veillette, Pascal Migué, Marc Leduc for valuable research assistance. I benefitted from useful comments by the editor of this journal. All the remaining errors are mine.