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This study proposes and empirically
                                        investigates   a    moderated     mediation
                                        mechanism to enhance consumer loyalty
         Sivapalan, A., Shankar, A.,    via retail service quality  (RSQ) practices.

         Das, M., Konalingam, M.        The results revealed that the impact of
                                        physical    aspect,    reliability,  personal
         (2021). How to enhance         interaction, and policy on customer loyalty

         customer loyalty to retail     is  significantly mediated by the  affective
         stores via retail service      commitment to the retailers. Further, the

         quality practices? A           retailer’s  corporate  image  enhanced  the
                                        indirect effects of reliability, personal
         moderated mediated             interaction and retailing policy on customer
         mechanism. Services            loyalty. By investigating how the interplay of
                                        RSQ dimensions, affective commitment and
         Marketing Quarterly, 1-22.     corporate image enriches retail service

                                        quality, this study contributes to the
                                        retailing literature.


                                                        This study examines the efficacy of Askeskin, a subsidized social health
                                                        insurance targeted towards poor households and informal sector
                                                        workers  in Indonesia, in mitigating the impact of adverse health shocks
                                                        on  household  consumption.  To  overcome  selection  bias  from
                                                        non-experimental  nature  of  Askeskin enrolment,  I use  a  robust
                                                        estimation strategy, where outcome regressions are run on a propensity
                                                        score-based matching sample. Using longitudinal data from the
                                                        Indonesia Family Life Survey, this study finds that uninsured households
                                                        facing extreme health shocks experience a 1.3 percentage point loss in
                                                        growth in food and 2 percentage point loss in non-food consumption
                                                        growth. Importantly, households having Askeskin insurance, are fully
                                                        insured in terms of food and medical consumption. But non-food
                                                        spending, a discretionary component, is not insured fully resulting in a 1.2
             Kolukuluri, K. (2022). Adverse Health      percentage point fall in consumption growth rate, despite Askeskin. This
             Shocks, Social Insurance and Household     result is robust to a battery of sensitivity and robustness checks,
             Consumption: Evidence from Indonesia's     including alternate definition of health shocks. Further, I investigate

             Askeskin program. Journal of Health        whether     the   Askeskin    program     simply    displaced    informal,
             Economics and Management.                  community-based mechanisms of risk sharing. No crowd out effect is
                                                        observed and informal risk-sharing coexists with Askeskin.


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