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Economics, Third Edition. Microeconomics / MacroeconomicsImprove your world. Karlan-Morduch Economics 3e is built around the central concept that economics is a powerful and positive tool that students can use to improve their world. Economics uses examples and issues that resonate with students’ experience …
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The Financial Diaries: How American Families Cope in a World of UncertaintyThe ideal of the American Dream seems increasingly out of reach, even for many families who are trying to do everything right. To find out why, Jonathan Morduch and Rachel Schneider followed 235 low- and middle-income families as they navigated a year of …
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Bringing winners and losers into the classroomStudents know that economic change in the real world creates both winners and losers. Economic research today is also very engaged with inequality and its relationship to efficiency and productivity. Introductory economics courses, however, usually focus …
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Microfinance as a credit card?Muhammad Yunus won the Nobel Peace Prize in 2006, the most prestigious of a string of awards celebrating his role in creating banks for the poor. If there was a Nobel for marketing, he could have won that, too. That’s not meant as a jab but as recognition …
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Does Knowing Your FICO Score Change Financial Behavior? Evidence from a Field Experiment with Student Loan BorrowersOne in five consumer credit accounts incur late fees each quarter. Evidence on the efficacy of regulations to improve behavior through enhanced disclosure of financial product attributes is mixed. We test a novel form of disclosure that provides borrowers …
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The Microfinance Business Model: Enduring Subsidy and Modest ProfitRecent evidence suggests only modest social and economic impacts of microfinance. Favorable cost-benefit ratios then depend on low costs. This paper calculates the costs of microcredit and other elements of the microcredit business model using proprietary …
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Microfinance and Economic DevelopmentMicrofinance is generally seen as a way to fix credit markets and unleash the productive capacities of poor people dependent on self-employment. The microfinance sector grew quickly since the 1990s, paving the way for other forms of social enterprise and …
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Power Through Problem Solving: Latino Immigrants and the Inconsistencies of Economic RestructuringEmployment restructuring is a transformative process that brings about significant changes in how work is organised and experienced. Scholars who study restructuring in industries that employ large numbers of immigrant workers, including construction, …
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Rebates as Incentives: The Effects of a Gym Membership Reimbursement ProgramA rich experimental literature demonstrates positive effects of pay-per-visit fitness incentives. However, most insurance plans that provide fitness incentives follow a different structure, offering membership reimbursements conditional on meeting a …
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Geopolitics in Health: Confronting Obesity, Aids and Tuberculosis in the Emerging BRICS EconomiesVG. Rodwin …
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Effects of Gender and Race/Ethnicity in Perioperative Team PerformanceRebecca D. Minehart, Erica Foldy …
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Communicating Tax Penalties to Delinquent Taxpayers: Evidence from a Field ExperimentWe analyze a large field experiment conducted with the Colorado Department of Revenue to study the presentation of financial incentives and social norms in tax delinquency notices. We find that notices that highlight and provide information about …
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Developing Metropolitan Finance in the Broader Fiscal and Institutional ContextPaul Smoke …
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Rediscovering Urban Finance: Strengthening an Overlooked Foundation of Urban PlanningPaul Smoke …
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Open Science Framework PreprintJulia Lane, Tal Yarkoni, Dean Eckles, James Heathers, Margaret Levenstein, Paul Smaldino …
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Change through Data: A Public Extension Program for Government EmployeesJulia Lane, Frauke Kreuter, Rayid Ghani …
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New insights into food safety research teamsReza Sattari, Julia Lane, Jason Owen-Smith …