Experiential learning, narrative‐based learning, and insurance adoption: Experimental evidence from Kenya
比较了体验式学习（激励性框架实验游戏）和传统叙事式学习对肯尼亚小农户天气指数保险知识积累和支付意愿的影响，发现游戏增加更多知识但降低了保险需求，主要因知识增加和基差风险的凸显。
Abstract We compare the impact of two extension modalities on knowledge accumulation and willingness to pay for a weather index insurance product among smallholder farmers in Kenya. One approach to extension is based on experiential learning and involves participation in an incentivized framed experiment (or game). The other is based on conventional “narrative‐based” learning. While both modalities increase farmer knowledge, incentivized gamification causes more learning. We also find that experiential learning affects follow‐up demand for the insurance product, which is not true for narrative‐based learning. Interestingly, demand for insurance shifts inward after playing the insurance game. This reduction in demand is mainly caused by increased knowledge about the insurance product, but we also present suggestive evidence that experiencing basis risk during the game was more salient than theory‐based learning about basis risk. Game‐based learning is an effective approach to promote knowledge accumulation and may accentuate or attenuate adoption of innovations by updating ex‐ante , possibly biased, expectations.