Families in developing countries face enormous financial risks from major illness both in terms of the cost of medical care and the loss in income associated with reduced labor supply and productivity. We test whether access to microfinancial savings and lending institutions helps Indonesian...

This paper examines the effect of industrialization on social capital in Indonesia during 1985 to 1997 using repeated cross-sections of nationally representative surveys. We analyze a rich set of social capital measures including multiple measures of voluntary associational activity, levels of...

Do people care about intentions . even when good intentions do not produce good results? While the aphorism in the paper.s title suggests that outcomes matter more than intentions, our study questions that assumption. Our experimental design builds on previous studies of intentions by...

Employee diversity may affect business performance both as a result of customer discrimination and as a result of how members of a group work with each other in teams. We test for both channels with data from more than 800 retail stores employing over 70,000 individuals, matched to Census data...

When is sabotage acceptable? We use a quasi-experimental design to study the acceptability of several forms of rule-breaking at work. We find retaliation is perceived as more acceptable if it is an act of omission instead of an act commission and if it is in the same "domain" as the employer's...