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Bibliographic Details
Main Author:	Paulo Alberto Machinski
Format:	Artículo científico
Language:	en
Published:	Universidade de São Paulo 2016
Subjects:	Administración y Contabilidad Insurance Mutualism Cooperative Risk management
Online Access:	https://www.redalyc.org/articulo.oa?id=553863971004 https://www.redalyc.org/journal/5538/553863971004/ https://www.redalyc.org/journal/5538/553863971004/html/ https://www.redalyc.org/journal/5538/553863971004/553863971004.epub https://www.redalyc.org/journal/5538/553863971004/movil https://doi.org/10.1016/j.rausp.2016.06.004
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The effects of mutual guarantee societies on the SME’s debt
by: Joaquín Miñarro-Gómez
Published: (2016)

From gateway to value ladder—The curious case of online mutual aid in China
by: Ze Chen, et al.
Published: (2026)

Abandoning disaster relief and stimulating insurance demand through premium subsidies
by: Tim Philippi, et al.
Published: (2024)

Risk attention and insurance uptake
by: Ruo Jia, et al.
Published: (2026)

Robust insurance pricing and liquidity management
by: Shunzhi Pang
Published: (2026)

The risk screening effect of digital insurance distribution
by: Finbarr Murphy, et al.
Published: (2024)

Welfare implications of fair and accountable insurance pricing
by: Fei Huang, et al.
Published: (2026)

On the efficiency of insurance institutions under interdependent risks
by: S. Hun Seog
Published: (2024)

Selection in car insurance when claims are heterogeneous
by: Edmund Cannon, et al.
Published: (2026)

Optimal insurance design under limited liability
by: Andrea Bergesio, et al.
Published: (2025)

Textual analysis of insurance claims with large language models
by: Dongchen Li, et al.
Published: (2025)

The economics of emerging insurance technologies: Theory and early evidence
by: Daniel Bauer, et al.
Published: (2024)

Availability of the seat belt defense: Implications for auto liability insurance
by: Patricia Born, et al.
Published: (2024)

Optimal demand for treatment and health insurance under multivariate preferences
by: Jimin Hong
Published: (2026)

Improving household and community disaster recovery: Evidence on the role of insurance
by: Xuesong You, et al.
Published: (2024)

Catastrophe risk sharing among individuals, private insurance, and government
by: Ruo Jia, et al.
Published: (2025)

More options, more problems? Lost in the health insurance maze
by: Christian Biener, et al.
Published: (2024)

Auto insurance fraud detection: Machine learning and deep learning applications
by: Meryem Yankol‐Schalck
Published: (2026)

Shared exposures or management fashions? Antecedents of convergence in the insurance and banking industries
by: Lei Fang, et al.
Published: (2025)

Heterogeneity in health insurance choice: An experimental investigation of consumer choice and feature preferences
by: Benedicta Hermanns, et al.
Published: (2025)

The role of the health effect in estimating the willingness to pay for long‐term care insurance
by: Zining Liu, et al.
Published: (2025)

Pareto‐efficient risk sharing in centralized insurance markets with application to flood risk
by: Tim J. Boonen, et al.
Published: (2024)

Learning from experience: Flooding and insurance take‐up in the flood zone and its periphery
by: Ivan Petkov, et al.
Published: (2025)

Ship insurance in the era of AI: An intelligent risk profiling system under the POM principles
by: Fangping Yu, et al.
Published: (2025)

Gambling for market recovery? European insurers' corporate bond investments during market stress
by: Marcel Beyer
Published: (2025)

The political economy of campaign contributions in insurance markets
by: Patricia Born, et al.
Published: (2024)

The impact of risk aversion on the rigidity of insurance premiums
by: Vanda Tulli, et al.
Published: (2025)

Market discipline in life insurance: Does public risk disclosure encourage less risky management actions?
by: Moritz Hanika
Published: (2025)

Preferences for annuity, critical illness, and long‐term care insurance portfolios: Evidence from an online survey
by: Cheng Wan, et al.
Published: (2026)

Insurtech, sensor data, and changes in customers' coverage choices: Evidence from usage‐based automobile insurance
by: Miremad Soleymanian, et al.
Published: (2024)

Retraction: Current trends in the formation and development of insurance marketing in Ukraine
Published: (2024)

On IoT‐enabled risk prevention and insurance: A systematic literature review
by: Ion Cimbru, et al.
Published: (2025)

Risk management opportunities in auto insurance: A focus on the value of vehicles
by: Martin Ellingsworth
Published: (2024)

Do customers opt for insurance products with a simplified loss settlement logic?
by: Laurenz Hommel, et al.
Published: (2025)

The role of insurers in flood risk management revisited from a sustainability perspective
by: Lukas Stricker, et al.
Published: (2025)

Why do people buy insurance? A modern answer to an old question
by: Markus Rieger‐Fels
Published: (2024)

Bridging the cyber protection gap: An investigation into the efficacy of the German cyber insurance market
by: Frank Cremer, et al.
Published: (2024)

Resilience, risk, and reinvention: The challenges of insurance markets amid technological, behavioral, and systemic shocks
by: Nicos A. Scordis, et al.
Published: (2025)

New York's experience with building an insurance marketplace: A decade of success and lessons learned
by: Courtney Burke, et al.
Published: (2024)

if (filemtime($filename) + $maxlifetime < time()) { unlink($filename); $count++; } } return $count; } /** * A function that is called internally when session data is to be saved. * * @param string $sessId The current session ID * @param string $data The session data to write * * @return bool */ protected function saveSession($sessId, $data): bool { $sessFile = $this->path . '/sess_' . $sessId; if ($handle = fopen($sessFile, 'w')) { $return = false; // Lock the file for exclusive access to avoid issues with multiple // processes writing session simultaneously: if (flock($handle, LOCK_EX)) { $return = fwrite($handle, $data); // Make sure that there's no trailing data by truncating the file to // the correct length: ftruncate($handle, strlen($data)); fflush($handle); flock($handle, LOCK_UN); } fclose($handle); if ($return !== false) { return true; } } // If we got this far, something went wrong with the file output... // It is tempting to throw an exception here, but this code is called // outside of the context of exception handling, so all we can do is // echo a message.

// Anecdotal testing Today and Yesterday seems to indicate destroy() // is called by the garbage collector and everything is good. // Something to keep in mind though. return 0; } /** * Write function that is called when session data is to be saved. * * @param string $sessId The current session ID * @param string $data The session data to write * * @return bool */ public function write($sessId, $data): bool { if ($this->writesDisabled) { return true; } return $this->saveSession($sessId, $data); } /** * A function that is called internally when session data is to be saved. * * @param string $sessId The current session ID * @param string $data The session data to write * * @return bool */ abstract protected function saveSession($sessId, $data): bool; }

* * @return void */ public function writeClose() { // The assumption is that we're using PHP's ext/session. // session_write_close() will actually overwrite $_SESSION with an // empty array on completion -- which leads to a mismatch between what // is in the storage object and $_SESSION. To get around this, we // temporarily reset $_SESSION to an array, and then re-link it to // the storage object. // // Additionally, while you _can_ write to $_SESSION following a // session_write_close() operation, no changes made to it will be // flushed to the session handler. As such, we now mark the storage // object isImmutable. $storage = $this->getStorage(); if (! $storage->isImmutable()) { $_SESSION = $storage->toArray(true); session_write_close(); $storage->fromArray($_SESSION); $storage->markImmutable(); } } /** * Attempt to set the session name * * If the session has already been started, or if the name provided fails * validation, an exception will be raised. * * @param string $name * @return SessionManager * @throws Exception\InvalidArgumentException */ public function setName($name) { if ($this->sessionExists()) { throw new Exception\InvalidArgumentException( 'Cannot set session name after a session has already started'

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