@prefix n9j: <http://data.loterre.fr/ark:/67375/N9J> .
@prefix skos: <http://www.w3.org/2004/02/skos/core#> .
@prefix isothes: <http://purl.org/iso25964/skos-thes#> .
@prefix owl: <http://www.w3.org/2002/07/owl#> .

n9j:-T1J8KJRH-Z
  skos:prefLabel "health insurance"@en ;
  a skos:Concept ;
  skos:narrower n9j:-TMPV1ZQH-R .

n9j: a skos:ConceptScheme .
n9j:-H4QZNHPG-S
  skos:prefLabel "banking (finance)"@en ;
  a skos:Concept ;
  skos:narrower n9j:-TMPV1ZQH-R .

n9j:-concepts
  a isothes:ConceptGroup ;
  skos:prefLabel "concepts"@en ;
  skos:member n9j:-TMPV1ZQH-R .

n9j:-TMPV1ZQH-R
  owl:sameAs <https://concepts.sagepub.com/social-science/concept/moral_hazard> ;
  skos:definition "Moral hazard arises in implicit and contractual relationships in which one party behaves differently because of the relationship, and these actions improve one party's utility but have a negative consequence for the other party. In healthcare, moral hazard is most commonly associated with insurance, where the purchase of health insurance induces an increase in the likelihood of a loss covered by the insurance policy, the size of the loss, or both the likelihood and size of the loss. [Source: Encyclopedia of Health Services Research; Moral Hazard]"@en ;
  a skos:Concept ;
  skos:inScheme n9j: ;
  skos:broader n9j:-H4QZNHPG-S, n9j:-LDPF9XDN-G, n9j:-T1J8KJRH-Z ;
  skos:prefLabel "moral hazard"@en .

n9j:-LDPF9XDN-G
  skos:prefLabel "organizational economics"@en ;
  a skos:Concept ;
  skos:narrower n9j:-TMPV1ZQH-R .