Do microfinance programs help families insure consumption against illness?
研究了小额信贷机构是否帮助印度尼西亚家庭在成人健康恶化后维持消费稳定，发现这些机构有助于家庭自我保险以应对健康冲击。
Families in developing countries face enormous financial risks from major illness both in terms of the cost of medical care and the loss in income associated with reduced labor supply and productivity. We test whether access to microfinancial savings and lending institutions helps Indonesian families smooth consumption after declines in adult health. In general, results support the importance of these institutions in helping families to self-insure consumption against health shocks.