Purpose: This article deals with the impact of ethnic origin on individual employability, focussing on the first stage of the hiring process. Deeply, the authors’ goal is to fathom whether there is a preference for native job candidates over immigrants, decomposing the discrimination against...

La condizione di accessibilità abitativa (housing affordability) viene definita come la possibilità per una famiglia di acquistare, o prendere in affitto, un’abitazione adeguata alle proprie esigenze abitative impiegando una quota accettabile del proprio reddito. Obiettivo del presente...

In many countries, Mutual Loan-Guarantee Societies (MGSs) are assuming ever-increasing importance for small business lending. In this paper we provide a theory to rationalize the raison d’être of MGSs. The basic intuition is that the motivation for MGSs lies in the inefficiencies created by...