This study investigates the access to and usage of financial services in South Africa. Financial services are … the interactions between usage of different types of financial services, we use multivariate simultaneous probit … specification to examine the effect of financial perception. Our results suggests that after controlling for endogeneity of choices …

This paper uses an unusual administrative dataset covering the universe of French hospitals to consider hospital … for a number of measures of hospital output. NFP hospitals serve as a benchmark, being very similar to Public hospitals …, but without political influence on their hiring. Public-hospital employment is positively correlated with the local …