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A Dynamic Analysis of the Demand for Health Insurance and Health Care
Bolhaar, Jonneke; Lindeboom, Maarten; van der Klaauw, Bas - C.E.P.R. Discussion Papers - 2008
We investigate the presence of moral hazard and advantageous or adverse selection in a market for supplementary health … insurance. For this we specify and estimate dynamic models for health insurance decisions and health care utilization. Estimates … for advantageous selection, largely driven by heterogeneity in education, income and health preferences. Finally, we show …
Persistent link: https://www.econbiz.de/10005504294
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Absorptive Capacity and the Growth Effects of Regional Transfers: A Regression Discontinuity Design with Heterogeneous Treatment Effects
Becker, Sascha O.; Egger, Peter; von Ehrlich, Maximilian - C.E.P.R. Discussion Papers - 2011
Transfers to individuals, firms, and regions are often regulated by threshold rules, giving rise to a regression discontinuity design. An example are transfers provided by the European Commission to regions of EU member states below a certain income level. Researchers have focused on estimation...
Persistent link: https://www.econbiz.de/10009205062
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Too much of a good thing? On the growth effects of the EU's regional policy
Becker, Sascha O.; Egger, Peter; von Ehrlich, Maximilian - C.E.P.R. Discussion Papers - 2010
the recipient regions the transfer intensity exceeds the aggregate efficiency maximizing level and in 18% percent of the …
Persistent link: https://www.econbiz.de/10008684675
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The Trade Effects of Skilled versus Unskilled Migration
Egger, Peter; Nelson, Doug R; von Ehrlich, Maximilian - C.E.P.R. Discussion Papers - 2012
In this paper, we assess the role of skilled versus unskilled migration for bilateral trade using a flexible reduced-form model where the stocks of skilled and unskilled migrants at the country-pair level are determined as endogenous continuous treatments. The impact of different levels of...
Persistent link: https://www.econbiz.de/10011083375
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The Causal Impact of Common Native Language on International Trade: Evidence from a Spatial Regression Discontinuity Design
Egger, Peter; Lassmann, Andrea - C.E.P.R. Discussion Papers - 2013
This paper studies the causal effect of sharing a common native language on international trade. Switzerland is a multilingual country that hosts four official language groups of which three are major (French, German, and Italian). These groups of native language speakers are geographically...
Persistent link: https://www.econbiz.de/10011083655
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Unshrouding Effects on Demand for a Costly Add-on: Evidence from Bank Overdrafts in Turkey
Alan, Sule; Cemalcilar, Mehmet; Karlan, Dean S.; … - C.E.P.R. Discussion Papers - 2015
Models of shrouding predict that firms lack incentives to compete on add-on prices. Working with a large Turkish bank to test SMS direct marketing promotions to 108,000 existing checking account holders, we find that messages promoting a large discount on the overdraft interest rate reduce...
Persistent link: https://www.econbiz.de/10011168904
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You Can Pick Your Friends, But You Need to Watch Them: Loan Screening and Enforcement in a Referrals Field Experiment
Bryan, Gharad; Karlan, Dean S.; Zinman, Jonathan - C.E.P.R. Discussion Papers - 2012
We examine a randomized trial that allows separate identification of peer screening and enforcement of credit contracts. A South African microlender offered half its clients a bonus for referring a friend who repaid a loan. For the remaining clients, the bonus was conditional on loan approval....
Persistent link: https://www.econbiz.de/10011083275
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Follow the Money: Methods for Identifying Consumption and Investment Responses to a Liquidity Shock
Karlan, Dean S.; Osman, Adam; Zinman, Jonathan - C.E.P.R. Discussion Papers - 2013
Identifying the impacts of liquidity shocks on spending decisions is difficult methodologically but important for theory, practice, and policy. Using seven different methods on microenterprise loan applicants, we find striking results. Borrowers report uses of loan proceeds strategically, and...
Persistent link: https://www.econbiz.de/10011083720
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Win Some Lose Some? Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco
Angelucci, Manuela; Karlan, Dean S.; Zinman, Jonathan - C.E.P.R. Discussion Papers - 2013
Theory and evidence have raised concerns that microcredit does more harm than good, particularly when offered at high interest rates. We use a clustered randomized trial, and household surveys of eligible borrowers and their businesses, to estimate impacts from an expansion of group lending at...
Persistent link: https://www.econbiz.de/10011083867
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Microcredit Impacts: Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco
Angelucci, Manuela; Karlan, Dean S.; Zinman, Jonathan - C.E.P.R. Discussion Papers - 2014
Theory and evidence have raised concerns that microcredit does more harm than good, particularly when offered at high interest rates. We use a clustered randomized trial, and household surveys of eligible borrowers and their businesses, to estimate impacts from an expansion of group lending at...
Persistent link: https://www.econbiz.de/10011084172