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Este trabajo fue parcialmente financiado por el Ministerio de Ciencia e Innovación de España por el proyecto: ref. ECO2010-22065-C03-01., La gestión de riesgos, asociada al seguro del automóvil, es una cuestión crucial a la que se enfrentan en la actualidad tanto actuarios como profesionales del sector. Es clave seleccionar adecuadamente los factores de riesgos para asignar las tarifas a los asegurados en función del riesgo asociado. Por tanto, el objetivo de este trabajo es comprobar empíricamente la validez de la utilización de los niveles de “bonus-malus” para clasificar adecuadamente a los asegurados a través de dos modelos de ecuaciones estructurales. Los análisis sobre una muestra de 4.365 pólizas automovilísticas españolas descritas a través de 11 factores de riesgo muestran que la variable BM contribuye a mejorar la capacidad explicativa del modelo pero no de manera significativa., Risk management, associated to car insurance, is a crucial issue currently faced by both actuaries and field professionals. It is essential to adequately choose the risk factors to assign the payment rates to policyholders according to the associated risks. Therefore, the purpose of this work is to demonstrate, in an empirical way, the validity of using “bonus malus” (BM) levels to classify policyholders correctly through two models of structural equations. The analysis of a sample of 4,365 Spanish car insurance policies described through 11 risk factors shows that the variable BM contributes to improving the explaining capacity of the model, though not in a significant way., A gestão de riscos, associada com o seguro do automóvel, é uma questão crucial à qual se enfrentam, na atualidade, tanto atuários quanto profissionais do setor. É fundamental selecionar adequadamente os fatores de riscos para designar as tarifas aos segurados em função do risco associado. Portanto, o objetivo deste trabalho é comprovar empiricamente a validade da utilização dos níveis de bonus-malus (BM) para classificar adequadamente os segurados por meio de dois modelos de equações estruturais. As análises sobre uma amostra de 4.365 apólices automobilísticas espanholas descritas por meio de 11 fatores de risco mostram que a variável BM contribui para a melhoria da capacidade explicativa do modelo, mas não de maneira significativa., La gestion des risques associés à l’assurance du véhicule est une question cruciale que les actuaires comme les professionnels du secteur confrontent actuellement. Il est essentiel de bien choisir les facteurs de risque pour attribuer les tarifs aux assurés en fonction du risque associé. Par conséquent, le but de cet article est de tester empiriquement la validité de l’utilisation des niveaux de “bonus-malus” afin de classer correctement les assurés à travers deux modèles d’équations structurelles. Les analyses d’un échantillon de 4.365 polices d’assurance automobile espagnoles, décrites par 11 facteurs de risque, montrent que la variable BM contribue à améliorer le pouvoir explicatif du modèle, mais pas de manière significative., Ministerio de Ciencia e Innovación (MICINN), Depto. de Economía Financiera y Actuarial y Estadística, Fac. de Ciencias Económicas y Empresariales, TRUE, pub

We exploit time-use data to investigate Italian couples’ arts participation at joint vs. individual level of partners. By using the most recent available diary data on individual time use in Italian households (ISTAT, 2002-03), we distinguish between arts attendance (going to theater, visiting a museum, etc.) and amateur arts practices (playing music, painting, etc.). The main results show the importance of togetherness in the amount of time that couples spend on arts activities, suggesting rewarding and coordination effects. Spouses’ reciprocal influence is also taken into consideration. We highlight a social role of wives especially in joint arts attendance, and an inner role of husbands in favoring wives’ individual arts activities and arts practices. Furthermore, the latter is associated with couples’ higher levels of wellbeing. Overall, time allocated to arts attendance reveals distinct socio-economic patterns with respect to arts practices., info:eu-repo/semantics/published

We exploit time-use data to investigate Italian couples’ arts participation at joint vs. individual level of partners. By using the most recent available diary data on individual time use in Italian households (ISTAT, 2002-03), we distinguish between arts attendance (going to theater, visiting a museum, etc.) and amateur arts practices (playing music, painting, etc.). The main results show the importance of togetherness in the amount of time that couples spend on arts activities, suggesting rewarding and coordination effects. Spouses’ reciprocal influence is also taken into consideration. We highlight a social role of wives especially in joint arts attendance, and an inner role of husbands in favoring wives’ individual arts activities and arts practices. Furthermore, the latter is associated with couples’ higher levels of wellbeing. Overall, time allocated to arts attendance reveals distinct socio-economic patterns with respect to arts practices., info:eu-repo/semantics/published

We investigate and bring to light the role of kinship networks as a determinantof female’s bargaining power through her decision-making authorityin rural Burundi. We distinguish, on one hand, between immediate andextended family and between extended family members living within andoutside the village on the other hand. We bring to the fore a number of keyfindings. First, kinship network characteristics are strong determinants ofwithin household decision-making power. On one hand, female whose nextof kins are at least as rich as her husband’s counterparts enjoy a greater sayover children and asset-related decision-making. On the other hand, femalewith bigger and richer extended family also enjoy a greater say over childrenand asset-related decision-making. Second, the effect of kinship networkcharacteristics depends on the nature of family ties: the effect of thefemale’s immediate family is significantly and consistently greater than theeffect of her extended family. Third, kinship network characteristics matterfor female’s bargaining power even more importantly than individual andhousehold-level characteristics in rural Burundi. Last but not the least, wefind out that male’s education increases female’s say more than wife’s educationitself, particularly over asset-related decision-making., info:eu-repo/semantics/published