werden, ob sich die mit der Einführung des Ombudsmannverfahrens verbundenen Hoffnungen auf eine größere Kundenzufriedenheit …

model of Eisfeldt and Papanikolaou (2013), sources of risk not covered by standard risk factors. We identify firm … aggregate R&D spending, that are related to these sources of risk. …

between households' perceived exposure to uninsured risk, measured as past exposure to deviations in average rainfall levels … the depletion of assets. We also consider the interaction between past weather-risk exposure and the actual realization of … weather shocks to ascertain the extent to which the investment strategies of risk-exposed households "pay off" by buffering …

business risk. Business risk is measured as variability in revenue, customer base, informal payments, and temporary firm … closure. The results show lower levels of business risk among certified firms, especially for firms in the middle deciles of … the risk distribution. Certification also correlates negatively with risk-reduction for technologically advanced firms, as …

of insurance. Third, we help answer the puzzle why the most risk averse are least likely to take up agricultural …