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33 results on '"Ratnadiwakara, Dimuthu"'

1. Climate risk perceptions and demand for flood insurance

Author

Ratnadiwakara, Dimuthu and Venugopal, Buvaneshwaran

Subjects
Flood insurance -- Supply and demand, Global warming, Social networks, Banking, finance and accounting industries, Business
Abstract

The demand for flood insurance is low when the frequency and severity of flood disasters are increasing due to climate change. We show that beliefs about climate change influence homeowners' choice and level of flood insurance coverage. The demand for voluntary flood insurance coverage for homes and contents is higher in areas with more people who are worried about global warming. Property-level analysis shows that individuals are more likely to terminate flood insurance after unanticipated premium increases if they do not perceive climate change as a risk. We use the heterogeneous impact of widening partisan polarization on climate change beliefs to rule out alternative explanations. KEYWORDS adaptation, flood insurance, global warming, perceptions, 1 | INTRODUCTION Flooding is the costliest natural disaster in the United States that affects every state in the country. Floods are expected to cost the United States $54 billion [...]

Published
2023
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18. Free to Distance?

Author

Narayanan, Rajesh, primary, Nordlund, James, additional, Pace, R. Kelley, additional, and Ratnadiwakara, Dimuthu, additional

Published
2020
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31. Who's Got the Phone? The Gendered Use of Telephones at the Bottom of the Pyramid.

Author

Samarajiva, Rohan, Zainudeen, Zainab, Iqbal, Tahani, and Ratnadiwakara, Dimuthu

Subjects
TELECOMMUNICATION systems, SEX differences (Biology), SOCIAL conditions of women, COMMUNICATION & society
Abstract

Much has been said about women's access to and use of the telephone. Many studies conclude that a significant gender divide in access exists particularly in developing countries. Women are also said to use telephones in a different manner from men -making and receiving more calls, spending more time on calls, and using telephones primarily for 'relationship maintenance' purposes, while men make fewer calls, shorter calls and use telephones primarily for instrumental purposes. However, much of this research on usage patterns is based on small-sample studies in affluent developed countries. The article provides evidence that a significant gender divide in access to telephones exists in Pakistan and India, to a lesser extent in Sri Lanka, but is generally absent in the Philippines and Thailand. This article also challenges some of the findings of studies which claim that women's and men's use is fundamentally different, shedding light on women's access to and use of telecom services at the bottom of the pyramid (BOP) in five Emerging Asian markets. The article is based on an 8,600+ sample study of telephone users in Pakistan, India, Sri Lanka, the Philippines and Thailand, focusing on the BOP, but also looking at the 'middle and top' of the pyramid to ascertain whether these findings are unique to the BOP or not. ..PAT.-Unpublished Manuscript [ABSTRACT FROM AUTHOR]

Published
2008

32. Are the Poor Stuck in Voice? Conditions for Adoption of More-Than-Voice Mobile Services.

Author

Zainudeen, Ayesha and Ratnadiwakara, Dimuthu

Subjects
POOR people, CELL phones, ECONOMIC competition, TRANSACTION costs, MOBILE communication systems
Abstract

Mobile phone access is widespread in Asia; voice connectivity has been achieved for the most part through intense competition, with prices being driven down to almost unsustainable levels. Against the backdrop of intense competition, new services and applications, such as price information alerts, news alerts, mobile money applications, and mobile Internet services, may provide new revenue sources, allowing operators to expand services. More important, from a development perspective, they also offer a way to get information and services with lower transaction costs to customers at the "bottom of the pyramid." This article examines the use of such "more-than-voice" services among telecom users at the bottom of the pyramid in emerging Asia. Through a logistical regression model, it attempts to understand what factors can predict their use in order to inform operators on how they can better serve these markets, and to educate policymakers on how they can assist with policies that will favor greater access. [ABSTRACT FROM AUTHOR]

Published
2011

33. Social Influence in Mobile Phone Adoption: Evidence from the Bottom of the Pyramid in Emerging Asia.

Author

de Silva, Harsha, Ratnadiwakara, Dimuthu, and Zainudeen, Ayesha

Subjects
SOCIAL influence, CELL phones, MOBILE communication systems, TELECOMMUNICATION systems, SOCIAL policy
Abstract

This article attempts to quantitatively measure the various influences on mobile phone adoption at the bottom of the pyramid (BoP) in Bangladesh, Pakistan, India, Sri Lanka, the Philippines, and Thailand. Based on an existing theoretical framework, adoption is modeled by fitting a logit model to a large six country dataset. The study finds evidence for the importance of social influence in mobile adoption in two modes: one that exerts pressure on individuals to adopt, and another that helps to generate benefits via social networks that are tied in with economic and business networks. The article elaborates on the resulting social policy implications for using mobile telephone services to fight poverty at the BoP in these and similar countries. [ABSTRACT FROM AUTHOR]

Published
2011

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