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Is Rationing in the Microfinance Sector Determined by the Microfinance Type? Evidence from Ghana

Diaz-Serrano, Luis; Sackey, Frank Gyimah - Institute for the Study of Labor (IZA) - 2015

This study sets out to examine the extent to which access to credit and credit rationing are influenced by the … microfinance type based on the major factors determining micro, small and medium enterprises' access to credit from microfinance …' credit and loan records consisting of borrowers and credit characteristics. Our results are puzzling and show that credit …

Persistent link: https://www.econbiz.de/10011265661

A Constitutional Theory of the Family

Cigno, Alessandro - Institute for the Study of Labor (IZA) - 2005

effects of public pensions and credit rationing. These implications are not much affected by whether altruism is assumed or …

Persistent link: https://www.econbiz.de/10005762141

Integration, Labor Market Regulation, Lobbying, and Technological Change

Palokangas, Tapio K. - Institute for the Study of Labor (IZA) - 2009

This paper examines an economic union where oligopolistic firms produce by skilled and unskilled labor and do in-house R&D by skilled labor. The planner of the union accepts new members to the union, regulates the labor market through a minimum wage for unskilled labor and supports firms by...

Persistent link: https://www.econbiz.de/10005233760

Economic Integration, Market Power and Technological Change

Palokangas, Tapio - Institute for the Study of Labor (IZA) - 2005

We examine a common market which expands by integrating new regions. Capitalists are strategically interdependent through the goods market and they improve their productivity through R&D. Production and R&D employ unionized workers. The purpose of integration is to maximize a weighed average of...

Persistent link: https://www.econbiz.de/10005703176

Economic Growth with Political Lobbying and Wage Bargaining

Palokangas, Tapio K. - Institute for the Study of Labor (IZA) - 2009

This paper examines an economy with a large number of industries, each producing a different good. Technological change follows a Poisson process where firms improve their productivity through investment in R&D. The less there are firms in the economy or the more they can coordinate their...

Persistent link: https://www.econbiz.de/10005703641

Substitutability and Competition in the Dixit-Stiglitz Model

Koeniger, Winfried; Licandro, Omar - Institute for the Study of Labor (IZA) - 2004

The effects of competition on growth are analyzed in the recent literature by comparing economies with the same market structure but different degrees of substitutability. In this note, we show that in a general equilibrium model with monopolistic competition à la Dixit- Stiglitz the effect of...

Persistent link: https://www.econbiz.de/10005763546

Market Power, Dismissal Threat and Rent Sharing: The Role of Insider and Outsider Forces in Wage Bargaining

Carneiro, Anabela; Portugal, Pedro - Institute for the Study of Labor (IZA) - 2006

One of the predictions of the insider-outsider theory is that wages will be higher in sectors (firms) with high labor adjustment costs/high turnover costs. This prediction is tested empirically in this study, using an insider-outsider model and a longitudinal panel of large firms in Portugal....

Persistent link: https://www.econbiz.de/10005763848

Playing 'Hard to Get': An Economic Rationale for Crowding Out of Intrinsically Motivated Behavior

Schnedler, Wendelin; Vanberg, Christoph - Institute for the Study of Labor (IZA) - 2014

Anecdotal, empirical, and experimental evidence suggests that offering extrinsic rewards for certain activities can reduce people's willingness to engage in those activities voluntarily. We propose a simple rationale for this 'crowding out' phenomenon, using standard economic arguments. The...

Persistent link: https://www.econbiz.de/10010773919

Joint Estimation of Price-Cost Margins and Union Bargaining Power for Belgian Manufacturing

Dobbelaere, Sabien - Institute for the Study of Labor (IZA) - 2005

This paper extends Hall's (1988) methodology to analyse imperfections in both the product and the labour market for firms in the Belgian manufacturing industry over the period 1988- 1995. We investigate the heterogeneity in price-cost mark-up and workers' bargaining power parameters among 18...

Persistent link: https://www.econbiz.de/10005566489

Gambling and the Use of Credit: An Individual and Household Level Analysis

Brown, Sarah; Dickerson, Andy; McHardy, Jolian; Taylor, Karl - Institute for the Study of Labor (IZA) - 2010

use of credit, at the individual and household level using representative pooled cross-section data drawn from the UK … Expenditure and Food Surveys (EFS), 2001 to 2007. Gambling and the use of credit are shown to be positively correlated at the … between gambling and the use of credit is remarkably stable across household income. In addition to our household level …

Persistent link: https://www.econbiz.de/10008562538