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Zonder onderwerpscode: economie

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Text-message based parenting programs have proven successful in improving parental engagement and preschoolers' literacy development. The tested programs have provided a combination of (a) general information about important literacy skills, (b) actionable advice (i.e., specific examples of such activities), and (c) encouragement. The regularity of the texts - each week throughout the school year - also provided nudges to focus parents' attention on their children. This study seeks to identify mechanisms of the overall effect of such programs. It investigates whether the actionable advice alone drives previous study's results and whether additional texts of actionable advice improve program effectiveness. The findings provide evidence that text messaging programs can supply too little or too much information. A single text per week is not as effective at improving parenting practices as a set of three texts that also include information and encouragement, but a set of five texts with additional actionable advice is also not as effective as the three-text approach. The results on children's literacy development depend strongly on the child's pre-intervention literacy skills. For children in the lowest quarter of the pre-treatment literacy assessments, only providing one example of an activity decreases literacy scores by 0.15 standard deviations relative to the original intervention. Literacy scores of children in higher quarters are marginally higher with only one tip per week. We find no positive effects of increasing to five texts per week.

Zonder onderwerpscode: economie

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This paper explores the level and dispersion of premiums paid for individual health insurance by comparing asking price' data posted on an electronic insurance exchange with survey data on premiums actually paid in the period just before the advent of electronic exchanges. The primary theoretical question is whether the pattern of differences between asking prices and transactions prices can be explained using a simple search theory. We hypothesize, following suggestions of Stigler and Rothschild, that higher risks who expect to pay higher premiums for a given policy will engage in more intensive search than lower risks, given the same distribution of asking prices. As a result, for a given distribution of asking prices, the dispersion of premiums actually paid (transactions prices) will be smaller for higher risks. Therefore, the introduction of an electronic exchange should have a larger potential influence on the dispersion and level of premiums paid for lower risks than for higher risks. We find evidence consistent with each of these hypotheses.

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Text-message based parenting programs have proven successful in improving parental engagement and preschoolers' literacy development. The tested programs have provided a combination of (a) general information about important literacy skills, (b) actionable advice (i.e., specific examples of such activities), and (c) encouragement. The regularity of the texts - each week throughout the school year - also provided nudges to focus parents' attention on their children. This study seeks to identify mechanisms of the overall effect of such programs. It investigates whether the actionable advice alone drives previous study's results and whether additional texts of actionable advice improve program effectiveness. The findings provide evidence that text messaging programs can supply too little or too much information. A single text per week is not as effective at improving parenting practices as a set of three texts that also include information and encouragement, but a set of five texts with additional actionable advice is also not as effective as the three-text approach. The results on children's literacy development depend strongly on the child's pre-intervention literacy skills. For children in the lowest quarter of the pre-treatment literacy assessments, only providing one example of an activity decreases literacy scores by 0.15 standard deviations relative to the original intervention. Literacy scores of children in higher quarters are marginally higher with only one tip per week. We find no positive effects of increasing to five texts per week.

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This systematic literature review relies on previously published primary study to answer the question “What drives people to become entrepreneurs?”. It synthesises, structures and presents the nature and the nurture aspects of entrepreneurship. The goal of this systematic review is to identify the elements that drives individuals to become entrepreneurs and provide understanding how these elements impact entrepreneurial intention. Entrepreneurship is a career path that attracts an increasing number of individuals. However, some research suggests entrepreneurs are born whilst other research suggests they are made. In fact, the opposition between the relative contributions of nature versus nurture is one of the oldest debates in history. Nativists claim that most humans’ characteristics and behaviours are the result of inheritance, whereas empiricists argue that they are the result of the environment. Therefore, research that focuses on the nature aspect of entrepreneurs relies on personality traits to explain entrepreneurial intentions. Personality traits are often covered through the Five Factors Model of Personality and the Myers-Briggs Type Indicator. In contrast, research that focuses on the nurture aspect of entrepreneurship relies on the environmental factor to justify the creation of ventures, namely the influence of parent entrepreneurs, entrepreneurial role-models, social capital, education, financial capital, and prior work experience.