Supply-side factors and uptake of insurance products among Ghanaian households

References

• Adebayo, E. F., Uthman, O. A., Wiysonge, C. S., Stern, E. A., Lamont, K. T., & Ataguba, J. E. (2015). A systematic review of factors that affect uptake of community-based health insurance in low-income and middle-income countries. BMC Health Services Research, 15(1), 543. https://doi.org/10.1186/s12913-015-1179-3
   PubMed Web of Science ®Google Scholar
• Afriyie, D. K. (2018). The emergence of insurance in Ghana. Jgallery Publishers.
   Google Scholar
• Agyepong, I. A., Abankwah, D. N. Y., Abroso, A., Chun, C., Dodoo, J. N. O., Lee, S., Park, J., Twum, A., Oh, J., Park, J., Yang, D., Yoon, K., Otoo, N., Asenso-Boadi, F., & Mensah, S. A. 2016. The “Universal” in UHC and Ghana’s National Health Insurance Scheme: Policy and implementation challenges and dilemmas of a lower middle income country”. In UHC and Ghana’s National Health Insurance Scheme: Policy and implementation challenges and dilemmas of a lower-middle-income country. BMC health services researchVol. 16: 1 p. 504. https://doi.org/10.1186/s12913-016-1758-y.
   Google Scholar
• Ahmadi, L., Croiset, E., Elkamel, A., Douglas, P. L., Entchev, E., Abdul-Wahab, S. A., & Yazdanpanah, P. (2015). Effect of socio-economic factors on EV/HEV/PHEV adoption rate in Ontario. Technological Forecasting & Social Change, 98(1), 93–20. https://doi.org/10.1016/j.techfore.2015.06.012
   Google Scholar
• Aiken, L. S., & West, S. G. (1991). Testing and interpreting interactions in multiple regression. Sage Publications.
   Google Scholar
• Akazili, J., Chatio, S., Ataguba, J. E. O., Agorinya, I., Kanmiki, E. W., Sankoh, O., & Oduro, A. (2018). Informal workers’ access to health care services: Findings from a qualitative study in the Kassena-Nankana districts of Northern Ghana. BMC International Health and Human Rights, 18(1), 1–9. https://doi.org/10.1186/s12914-018-0159-1
   PubMedGoogle Scholar
• Antwi, S. K., Hamza, K., & Bavoh, S. W. (2015). Examining the Effectiveness of electronic payment system in Ghana: The case of e-ZWICH in the tamale metropolis. Research Journal of Finance & Accounting, 6(2), 163–177.
   Google Scholar
• Asante, B. O., Wiredu, A. N., Dogbe, W., Asuming-Boakye, A., Frimpong, B. N., Haleegoah, J., & Diagne, A. (2013). Factors affecting the adoption and use of NERICA varieties among rice-producing households in Ghana. Asian Journal of Agriculture and Rural Development, 3(393), 721–735.
   Google Scholar
• Atinga, R. A., Abiiro, G. A., & Kuganab‐Lem, R. B. (2015). Factors influencing the decision to drop out of health insurance enrolment among urban slum dwellers in Ghana. Tropical Medicine & International Health, 20(3), 312–321. https://doi.org/10.1111/tmi.12433
   PubMed Web of Science ®Google Scholar
• Bettencourt, L. A., Ostrom, A. L., Brown, S. W., & Roundtree, R. I. (2002). Client co-production in knowledge-intensive business services. California Management Review, 44(4), 100–128. https://doi.org/10.2307/41166145
   Web of Science ®Google Scholar
• Boateng, C. (2016). Determinants of the demand for micro-insurance in Ghana (Master of Philosophy dissertation). Kwame Nkrumah University of Science and Technology.
   Google Scholar
• Chetty, R., & Finkelstein, A. (2013). Social insurance: Connecting theory to data. In National Bureau of Economic Research (Ed.), Handbook of Public Economics (Vol. 5, pp. 111–193). Elsevier.
   Google Scholar
• Chummun, B. Z. (2017). A review of factors influencing the inclusive insurance segment-the case of South Africa. Africa Growth Agenda, 14(4), 8–11.
   Google Scholar
• Churchill, C. (2007). Insuring the low-income market: Challenges and solutions for commercial insurers. The Geneva Papers on Risk and Insurance-Issues and Practice, 32(3), 401–412. https://doi.org/10.1057/palgrave.gpp.2510132
   Web of Science ®Google Scholar
• Creswell, J. W., & Hirose, M. (2019). Mixed methods and survey research in family medicine and community health. Family Medicine and Community Health, 7(2), e000086. https://doi.org/10.1136/fmch-2018-000086
   PubMed Web of Science ®Google Scholar
• Danso-Abbeam, G., Bosiako, J. A., Ehiakpor, D. S., & Mabe, F. N. (2017). Adoption of improved maize variety among farm households in the northern region of Ghana. Cogent Economics & Finance, 5(1), 1416896. https://doi.org/10.1080/23322039.2017.1416896
   Web of Science ®Google Scholar
• Da Silveira, G., Borenstein, D., & Fogliatto, F. S. (2001). Mass customization: Literature review and research directions. International Journal of Production Economics, 72(1), 1–13. https://doi.org/10.1016/S0925-5273(00)00079-7
   Web of Science ®Google Scholar
• De Weerdt, J., & Dercon, S. (2006). Risk-sharing networks and insurance against illness. Journal of Development Economics, 7(8), 12–48. https://doi.org/10.1016/j.jdeveco.2005.06.009
   Google Scholar
• Dror, D. M., Hossain, S. S., Majumdar, A., Koehlmoos, T. L. P., John, D., Panda, P. K., & Weary, D. (2016). What factors affect voluntary uptake of community-based health insurance schemes in low- and middle-income countries? A systematic review and meta-analysis. PLos One, 11(8), e0160479. https://doi.org/10.1371/journal.pone.0160479
   PubMed Web of Science ®Google Scholar
• Eckles, D. L., Halek, M., & Zhang, R. (2014). Information risk and the cost of capital. The Journal of Risk and Insurance, 81(4), 861–882. https://doi.org/10.1111/j.1539-6975.2013.01526.x
   Web of Science ®Google Scholar
• Eftekhari, M., Shaabani, M., & Lotfizadeh, F. (2015). The effect of perceived quality, perceived cost and repurchase intention in the insurance industry. International Journal of Management Sciences and Business Research, 4(11).
   Google Scholar
• Einav, L., Finkelstein, A., & Levin, J. (2010). Beyond testing: Empirical models of insurance markets. Annual Rev Econ, 2(1), 311–336. https://doi.org/10.1146/annurev.economics.050708.143254
   PubMedGoogle Scholar
• El-Sayed, A. M., Palma, A., Freedman, L. P., & Kruk, M. E. (2015). Does health insurance mitigate inequities in non-communicable disease treatment? Evidence from 48 low-and middle-income countries. Health Policy, 119(9), 1164–1175. https://doi.org/10.1016/j.healthpol.2015.07.006
   PubMed Web of Science ®Google Scholar
• Fan, Y., Stevenson, M., & Li, F. (2020). Supplier-initiating risk management behaviour and supply-side resilience: The effects of interpersonal relationships and dependence asymmetry in buyer-supplier relationships. International Journal of Operations & Production Management, 40(7/8), 971–995. https://doi.org/10.1108/IJOPM-06-2019-0497
   Web of Science ®Google Scholar
• Farzaneh, M., Allahyari, M. S., Damalas, C. A., & Seidavi, A. (2017). Crop insurance as a risk management tool in agriculture: The case of silk farmers in northern Iran. Land Use Policy, 64(2), 1–34. https://doi.org/10.1016/j.landusepol.2017.02.018
   Google Scholar
• Fofie, G. A. (2016). What influence customer patronage of insurance policies: An empirical assessment of socio-economic and demographic determinants of insurance Patronage in Ghana. International Review of Management and Marketing, 1(1), 81–88.
   Google Scholar
• Fornell, C., & Larcker, D. F. (1981). Evaluating structural equation models with unobservable variables and measurement error. Journal of Marketing Research, 18(1), 39–50. https://doi.org/10.1177/002224378101800104
   Web of Science ®Google Scholar
• Ghana Statistical Service. (2015) Ghana living standard survey (2015) main report. https://statsghana.gov.gh/gssmain/fileUpload/pressrelease/NATIONAL%20EMPLOYMENT%20REPORT_FINAL%20%2024-5-16.pdf
   Google Scholar
• Gikuhe, T. W., 2014. An Assessment of Customer-Centric Strategy on the Performance of Commercial Banks in Kenya (Doctoral dissertation, United States International University-Africa).
   Google Scholar
• Gitau, B. N. (2013). Strategies adopted by kenyan insurance companies to alleviate low insurance penetration. Nairobi: Kenyan Insurance Companies.
   Google Scholar
• Gockel, A. F. (1996). The Formal Social Security System in Ghana. Friedrich Ebert Foundation.
   Google Scholar
• Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2010). Multivariate data analysis: Pearson new international. Pearson Higher Education.
   Google Scholar
• Hair, J. F., Jr., & Sarstedt, M. (2021). Data, measurement, and causal inferences in machine learning: Opportunities and challenges for marketing. Journal of Marketing Theory & Practice, 29(1), 65–77. https://doi.org/10.1080/10696679.2020.1860683
   Web of Science ®Google Scholar
• House, A., & Road, G. (2009). About our insurance services. The Journal of Business, 7(23), 45–70.
   Google Scholar
• Jin, J., Wang, W., & Wang, X. (2016). Farmers’ risk preferences and agricultural weather index insurance uptake in rural China. International Journal of Disaster Risk Science, 7(4), 366–373. https://doi.org/10.1007/s13753-016-0108-3
   Web of Science ®Google Scholar
• Kaguma, G. (2011). Customers perceptions of service quality offered by life insurance companies in Kenya. In MBA Research Project). Retrieved from University of Nairobi Library.
   Google Scholar
• Kalolo, A., Radermacher, R., Stoermer, M., Meshack, M., & De Allegri, M. (2015). Factors affecting adoption, implementation fidelity, and sustainability of the redesigned community health fund in Tanzania: A mixed-methods protocol for process evaluation in the Dodoma region. Global Health Action, 8(1), 67–89. https://doi.org/10.3402/gha.v8.29648
   Google Scholar
• Karlan, D., Osei, R., Osei-Akoto, I., & Udry, C. (2014). Agricultural decisions after relaxing credit and risk constraints. Quarterly Journal of Economics, 129(2), 597–652. https://doi.org/10.1093/qje/qju002
   Web of Science ®Google Scholar
• Keeley, M. C. (1990). Deposit insurance, risk, and market power in banking. The American Economic Review, 80(5), 1183–1200.
   Web of Science ®Google Scholar
• Khetrapal, S. (2016). Public-Private Partnerships in the Health Sector the Case of a National Health Insurance Scheme in India (Doctoral dissertation, London School of Hygiene & Tropical Medicine).
   Google Scholar
• Kusi, A., Fenny, A., Arhinful, D. K., Asante, F. A., & Parmar, D. (2018). Determinants of enrolment in the NHIS for women in Ghana – a cross-sectional study. International Journal of Social Economics, 45(9), 1318–1334. https://doi.org/10.1108/IJSE-10-2016-0291
   Web of Science ®Google Scholar
• Kwabena, O. Y., Collins, F., & Roderick, K. D. (2013). Exploring the trend of ICT adoption in tertiary institutions in Ghana: A case study at Kwame Nkrumah University of science and technology (KNUST). Information and Knowledge Management, 3(5), 44–52.
   Google Scholar
• Kwaning, E. A., Awuah, P. K., & Michael, M. B. (2015). Factors affecting financial performance of non-life insurance companies in Ghana. ADRRI Journal (Multidisciplinary), 25(3), 19–37.
   Google Scholar
• Kwok, S., & Uncles, M. (2005). Sales promotion effectiveness: The impact of consumer differences at an ethnic‐group level. Journal of Product & Brand Management, 14(3), 170–186. https://doi.org/10.1108/10610420510601049
   Google Scholar
• Lee, S. Y., & Kang, M. (2013). Innovation characteristics and intention to adopt sustainable facilities management practices. Ergonomics, 56(3), 480–491. https://doi.org/10.1080/00140139.2012.752110
   PubMed Web of Science ®Google Scholar
• LIMRA. (2011). Total life insurance sales improvement in. Retrieved from https://www.limra.com/en/newsroom/news-releases/2012/limra-total-individual-life-insurance-sales-improve-in-2011/
   Google Scholar
• Liu, X., Kou, Y., Shockley, J., & Smith, J. S. (2021). How does supplier CSR performance help to expand exchange relationships with major buyers? The moderating role of supply‐side and demand‐driven uncertainty. Decision Sciences. https://doi.org/10.1111/deci.12551
   PubMed Web of Science ®Google Scholar
• Lovelock, C., & Patterson, P. (2015). Services marketing. Pearson Australia.
   Google Scholar
• Mbawuni, J., & Nimako, S. G. (2017). Determinants of Islamic banking adoption in Ghana. International Journal of Islamic & Middle Eastern Finance & Management, 10(2), 264–288. https://doi.org/10.1108/IMEFM-04-2016-0056
   Web of Science ®Google Scholar
• Mills, E. (2012). The greening of insurance. Science, 338(6113), 1424–1425. https://doi.org/10.1126/science.1229351
   PubMed Web of Science ®Google Scholar
• Moene, K. O., & Wallerstein, M. (2008). Inequality, social insurance, and redistribution. Selected Works of Michael Wallerstein: The Political Economy of Inequality, Unions, and Social Democracy, 4(3), 232–241.
   Google Scholar
• Mohajerani, P., & Miremadi, A. (2012). Customer satisfaction modelling in hotel industry: A case study of Kish Island in Iran. International Journal of Marketing Studies, 4(3), 134–152. https://doi.org/10.5539/ijms.v4n3p134
   Google Scholar
• Montgomery, M. R. (2009). Urban poverty and health in developing countries. Population Bulletin, 64(2), 1–20.
   Google Scholar
• Musau, S. K. (2012). The effectiveness of positioning strategies on customer loyalty by clients of the Atlas Copco Eastern Africa Limited. University of Nairobi, Kenya.
   Google Scholar
• Mushtaq Hussain, M., & Tisman Pasha, A. (2011). Conceptual and operational differences between general takaful and conventional insurance. Australian Journal of Business and Management Research, 1(8), 23–28. https://doi.org/10.52283/NSWRCA.AJBMR.20110108A03
   Google Scholar
• Muthoga, N., Odhiambo, R., Ngugi, P. K., & Ngugi, J. K. (2018). Influence of entrepreneurial innovativeness on microinsurance uptake by micro and small enterprises in Kenya. European Journal of Business Management, 6(3), 1–23.
   Google Scholar
• National Insurance Commission. (2018-2019). Annual Report. Retrieved from https://nicgh.org/procurement-notices/annual-report/
   Google Scholar
• Odemba, J. (2013). Factors affecting uptake of life insurance in Kenya. University of Nairobi.
   Google Scholar
• Odeyemi, I. A. (2014). Community-based health insurance programmes and the national health insurance scheme of Nigeria: Challenges to uptake and integration. International Journal for Equity in Health, 13(1), 20–34. https://doi.org/10.1186/1475-9276-13-20
   PubMedGoogle Scholar
• Owuor, C. O. (2016). Assessing the relationship between awareness and uptake of insurance products in Kenya. International Journal of Risk and Contingency Management (IJRCM), 5(2), 1–12. https://doi.org/10.4018/IJRCM.2016040101
   Google Scholar
• Palas, M. J. U. (2014). A structural equations model of qualitative elements influencing automobile insurance uptake. The Journal of Business, 35(3), 78–89.
   Google Scholar
• Pallant, J. (2020). SPSS survival manual: A step by step guide to data analysis using IBM SPSS. McGraw-hill education (UK).
   Google Scholar
• Poku, K., Mireku, K., & Nsiah-Asare, S. (2013). An analysis of the sustainability of microfinance institutions in Kumasi, Ghana. Change Management, 4(3), 145–176.
   Google Scholar
• Powell, J. B. (2015). Factors affecting growth in Ghana’s services economy. Executive Briefings on Trade, 9(7), 232–260.
   Google Scholar
• Quartey, E. T., & Darkwah, S. (2015). Factors affecting the use of modern technologies in agro-processing in Ghana. Academia Journal of Agricultural Research, 3(7), 99–115.
   Google Scholar
• Rashidpour, L. (2013). A study on affecting factors on demand for agricultural crop insurance in West Azarbijan Province. Journal of Renewable Agriculture, 13(2), 244–249.
   Google Scholar
• Richards, P. J., & Thomson, A. M. (2017). Basic needs and the urban poor: The provision of communal services. Routledge.
   Google Scholar
• Rogers, E. M. (Eds.). (1983). The Diffusion of Innovations. The Free Press [Google Scholar].
   Google Scholar
• Rogers, E. M. (2003). Diffusion of innovations (5th ed.). The Free Press.
   Google Scholar
• Rogers, E. M. 2015. Evolution: Diffusion of Innovations. In International Encyclopedia of the Social & Behavioral Sciences (2nd ed) (Vol. 1, pp. 343–354). Elsevier. https://doi.org/10.1016/B0-08-043076-7/03094-1
   Google Scholar
• Sharma, S., Pandit, A., & Tabassum, F. (2017). Potential facilitators and barriers to adopting standard treatment guidelines in clinical practice: An Indian context. International Journal of Health Care Quality Assurance, 30(3), 34–50. https://doi.org/10.1108/IJHCQA-10-2016-0148
   Google Scholar
• Sheth, J., & Sisodia, R. (2012). The 4 A’s of marketing: Creating value for customer, company and society. Routledge.
   Google Scholar
• Shrestha, N. (2021). Factor analysis as a tool for survey analysis. American Journal of Applied Mathematics and Statistics, 9(1), 4–11. https://doi.org/10.12691/ajams-9-1-2
   Google Scholar
• Sukums, F., Mensah, N., Mpembeni, R., Massawe, S., Duysburgh, E., Williams, A. … Blank, A. (2015). Promising adoption of an electronic clinical decision support system for antenatal and intrapartum care in rural primary healthcare facilities in sub-Saharan Africa: The QUALMAT experience. International Journal of Medical Informatics, 84(9), 23–40. https://doi.org/10.1016/j.ijmedinf.2015.05.002
   Web of Science ®Google Scholar
• Townsend, R. M. (1994). Risk and Insurance in Village India. Econometrica: Journal of the Econometric Society, 62(3), 539–591. https://doi.org/10.2307/2951659
   Web of Science ®Google Scholar
• van Gemert-Pijnen, J. E., Nijland, N., van Limburg, M., Ossebaard, H. C., Kelders, S. M., Eysenbach, G., & Seydel, E. R. (2011). A holistic framework to improve the uptake and impact of eHealth technologies. Journal of Medical Internet Research, 13(4), 111–123. https://doi.org/10.2196/jmir.1672
   PubMed Web of Science ®Google Scholar
• Wairimu, E., Obare, G., & Odendo, M. (2016). Factors affecting weather index-based crop insurance in Laikipia County, Kenya. Journal of Agricultural Extension & Rural Development, 9(3), 23–46. https://doi.org/10.5897/JAERD2016.0769
   Google Scholar
• Wang, H., Otoo, N., & Dsane-Selby, L. (2017). Ghana National Health Insurance Scheme: Improving Financial Sustainability Based on Expenditure Review (pp. 1–71). World Bank Group Publications. https://doi.org/10.1596/978-1-4648-1117-3
   Google Scholar
• Welaga Miah, R., & Awingura Apanga, P. (2016). Risk factors for undernutrition in children under five years old: Evidence from the 2011 Ghana multiple indicator cluster survey. Journal of AIDS & Clinical Research, 7(7), 67–80. https://doi.org/10.4172/2155-6113.1000585
   Google Scholar
• Werther, W. B., & Chandler, D. (2005). Strategic corporate social responsibility as global brand insurance. Business Horizons, 48(4), 23–40. https://doi.org/10.1016/j.bushor.2004.11.009
   Google Scholar
• Yiran, G. S. A., Teye, J. K., & Yiran, G. A. B. (2015). Accessibility and utilisation of maternal health services by migrant female head porters in Accra. Journal of International Migration & Integration, 2(1), 34–67. https://doi.org/10.1007/s12134-014-0372-2
   Google Scholar
• Zolkepli, I. A., & Kamarulzaman, Y. (2015). Social media adoption: The role of media needs and innovation characteristics. Computers in Human Behavior, 43(1), 189–209. https://doi.org/10.1016/j.chb.2014.10.050
   Google Scholar