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Do SBA Loans Create Jobs?
Brown, J. David; Earle, John S. - Institute for the Study of Labor (IZA) - 2013
Small Business Administration (SBA) loans have long been one of the most significant policy interventions in the U.S. affecting firm behavior, but little is known about their outcomes. This paper estimates the effects on employment using a list of all SBA loans linked to annual data on all U.S....
Persistent link: https://www.econbiz.de/10010884334
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Reputation and Credit Market Formation: How Relational Incentives and Legal Contract Enforcement Interact
Fehr, Ernst; Zehnder, Christian - Institute for the Study of Labor (IZA) - 2009
The evidence suggests that relational contracting and legal rules play an important role in credit markets but on the basis of the prevailing field data it is difficult to pin down their causal impact. Here we show experimentally that relational incentives are a powerful causal determinant for...
Persistent link: https://www.econbiz.de/10004976880
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Detecting Mortgage Delinquencies
Askitas, Nikos; Zimmermann, Klaus F. - Institute for the Study of Labor (IZA) - 2011
Insights to detect ensuing mortgage delinquencies. Such searches locate documents which assist to write a successful loan …
Persistent link: https://www.econbiz.de/10009225764
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Privatization and Changes in the Wage Structure: Evidence from Firm Personnel Records
Melly, Blaise; Puhani, Patrick A. - Institute for the Study of Labor (IZA) - 2008
We investigate the wage effects of privatization using person-level firm-based panel datasets from one privatized and … one nonprivatized public sector firm in the same country for the years immediately before and after privatization. Thus …, we can analyze the before-after effects of privatization while controlling for individual and time fixed effects and …
Persistent link: https://www.econbiz.de/10005822644
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Fiscal Zoning, Sales Taxes, and Employment: Do Higher Sales Taxes Lead to More Jobs in Retailing and Fewer Jobs in Manufacturing?
Burnes, Daria; Neumark, David; White, Michelle J. - Institute for the Study of Labor (IZA) - 2012
We test the hypothesis that local government officials in jurisdictions that have higher local sales taxes are more likely to use fiscal zoning to attract retailing. We find that total retail employment is not significantly affected by local sales tax rates, but employment in big box and anchor...
Persistent link: https://www.econbiz.de/10009652530
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Ethnic Sorting in the Netherlands
Zorlu, Aslan; Latten, Jan - Institute for the Study of Labor (IZA) - 2007
This paper examines the residential mobility behaviour of migrants and natives in the Netherlands using a rich administrative individual data file. The inclination to move and the choice of destination neighbourhood are estimated, correcting for the selection bias of movers. Subsequently, the...
Persistent link: https://www.econbiz.de/10005703476
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Social Learning and Health Insurance Enrollment: Evidence from China's New Cooperative Medical Scheme
Liu, Hong; Sun, Qi; Zhao, Zhong - Institute for the Study of Labor (IZA) - 2013
This paper examines the role of social learning in household enrollment decisions for the New Cooperative Medical Scheme in rural China by estimating a static game with incomplete information. Using a rich dataset from the China Health and Nutrition Survey, we find that the social network...
Persistent link: https://www.econbiz.de/10010990935
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Impact of China's Urban Resident Basic Medical Insurance on Health Care Utilization and Expenditure
Liu, Hong; Zhao, Zhong - Institute for the Study of Labor (IZA) - 2012
In 2007, China launched a subsidized voluntary public health insurance program, the Urban Resident Basic Medical Insurance, for urban residents without formal employment, including children, the elderly, and other unemployed urban residents. We estimate the impact of this program on health care...
Persistent link: https://www.econbiz.de/10011252288
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Concept and Unintended Consequences of Weather Index Insurance: The Case of Mexico
Fuchs, Alan; Wolff, Hendrik - Institute for the Study of Labor (IZA) - 2011
Recently, Weather Index Insurance (WII) has received considerable attention as a tool to insure farmers against weather related risks, particularly in developing countries. Donor organizations, local governments, insurance companies, development economists as well as agricultural economists are...
Persistent link: https://www.econbiz.de/10009403387
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Disclosure, Trust and Persuasion in Insurance Markets
de Meza, David; Irlenbusch, Bernd; Reyniers, Diane - Institute for the Study of Labor (IZA) - 2010
This high-stakes experiment investigates the effect on buyers of mandatory disclosures concerning an insurance policy's value for money (the claims ratio) and the seller's commission. These information disclosures have virtually no effect despite most buyers claiming to value such information....
Persistent link: https://www.econbiz.de/10008560393