The psychological effects on tariff choices for car insurance

Insurance customers increasingly choose between conventional flat-rate car insurance tariffs and innovative usage-based car insurance tariffs such as a pay-per-mile tariff. Usage-based car insurance tariffs require traffic telematics. In this paper, we analyze the decision-making behavior of insurance customers concerning tariff choices as well as the psychological effects. In other service areas, it can be observed that customers often prefer a flat-rate tariff even if their billing rate would be lower on a pay-per-use tariff for a given amount of usage. In study?1, we show that the purchase intention of car insurance tariffs is influenced by psychological effects as well as the customer’s personal experience with the insurance provider and that it is higher for a flat-rate car insurance tariff compared to a pay-per-mile tariff. Customers who have had positive experiences with an insurance provider induce a higher purchase intention for car insurance than customers who have had no experience with an insurance provider. In study?2, we show that the probability of choosing a flat-rate car insurance tariff is higher with increasing monthly kilometers.     

Learning about foreign markets: A study of Czech SMEs

Drawing on the organizational learning literature, our study examines the role of foreign market knowledge and firm emphasis on technological innovation in the internationalization of small, entrepreneurial firms in the Czech Republic. It is based on a sample of 168 SMEs representing a broad range of manufacturing industries that were founded after the fall of communism and as the Czech economy was transitioning to a more market-based economy. Findings indicate that emphasis on technological innovation is associated with greater acquisition of foreign market knowledge. In addition, our results indicate that emphasis on technological innovation directly and indirectly influences the performance of such SMEs in international markets. Our findings also suggest that foreign market knowledge partially mediates the relationship between firm emphasis on technological innovation and international performance. Implications of our findings from the perspective of theory and practice are discussed.     

Leapfrogging to Sustainable Consumption? An Explorative Survey of Consumption Habits and Orientations in Southern Brazil

In current political and scientific debates on sustainable consumption, the low- and middle-income classes of emerging countries are gaining attention. One common feature of such debates is the idea that these emerging consumer classes could be motivated to “leapfrog” directly to environmentally and socially aware consumption patterns and, thereby, avoid adopting the resource-intensive consumption styles of populations in industrialized countries. To be able to adapt sustainable product development or sustainable communication strategies to the needs of low- and medium-income classes, it is necessary to know more about the basic consumption orientations, current consumption habits, and future consumption aspirations of these societal groups. In order to contribute towards filling that knowledge gap, an exploratory survey was conducted, taking the example of emerging low- and middle-income classes in a Southern Brazilian city. The survey identified five different consumer types: the Home-Centered Traditionals, the Indifferent, the Up-to-date Privileged, the Wanna-be Materialists, and the Quality of Life-Oriented Postmaterialists. The paper outlines some ideas concerning how these types can be addressed with target-group-specific products and services as well as differentiated sustainability communication strategies. We conclude, however, that “leapfrogging” of Brazilian low- and middle-income classes towards sustainable consumption is not a very likely option. There are certain consumption orientations that sustainability strategies can link to, but these trends are not likely to compensate the general tendencies towards a resource-intensive lifestyle following the model of the industrialized countries.     

Dynamics of agricultural land use change in Kerala: a policy and social-ecological perspective

Land-use change is a phenomenon highlighting significant shifts in human interaction with the natural environment. Different patterns of agriculture and a trend towards non-agricultural land use challenge the sustainability of farming systems. This study aims to identify the causes of changes in land use and cropping patterns, with a special focus on paddy, the staple crop in Asia. In the case of Wayanad, a district in Kerala, South India, we argue for an interdisciplinary analysis of rapid land-use change to unpack the multiple dimensions of sustainability: economic, ecological and social factors, aggregating up to 70% reduction in the area under paddy by 2010. The results rest on empirical field research, participatory rural appraisals and stakeholder workshops conducted during the 4-year period from 2010 to 2013, along with state- and district-level data covering the 1983–2011 period. Reduced economic viability, labour shortages and population pressure on land are the major drivers for the transformation of paddy fields to other land uses. Changes in land use and agrarian structure reflect not only the livelihood strategies adopted by farmers in response to these drivers, but also the impacts of unintended policy idiosyncrasies. At a more fundamental level, they are the consequences of policy conflicts and inadequate sectoral integration of policies and implementation strategies.     

Decomposing Vulnerability to Poverty

This paper applies the decomposition of the Foster–Greer–Thorbecke poverty index to the measurement of individual vulnerability to poverty. I highlight that poverty risk can be expressed as a function of expected incidence, expected intensity, and expected variability below the poverty line, three essential aspects for improving the design of appropriate risk‐management policies. An empirical illustration is provided using the British Household Panel Survey and the Italian Survey on Household Income and Wealth.     

Ein Länderfi nanzausgleich ohne Berlin — Gewinner und Verlierer

The author simulates the federal fi nancial equalisation system in Germany without Berlin with respect to the adjustment year 2011. The model assumes that the capital city is compensated by the distribution of value added tax (VAT). Hence winners as well as losers can be identifi ed at both stages of adjustment within the federal fi nancial equalisation system. The result clarifi es the position of Hesse and Bavaria, which intend to take legal action against the German federal fi nancial equalisation system. In particular these two German states should not push for the exclusion of Berlin in this context. Otherwise the scenario would lead to considerable losses for both states.     

Aktivierende und / oder rehabilitative Pflege?

Versuch einer Begriffskl?rung - Die Begriffe „aktivierende“ und „rehabilitative“ Pflege werden meist synonym verwandt – beide Begriffen assoziieren die F?rderung der Selbstst?ndigkeit. Bislang werden allerdings rehabilitationsspezifische Pflegehandlungen kaum thematisiert. Eine Betrachtung aus pflegewissenschaftlicher Perspektive.