financial characterization of informal workers in Chile. The paper uses the Financial Household Survey conducted by the Central … Bank of Chile in 2007, 2008, 2009 and 2010, which covers between 1,740 and 2,533 urban households, performing both OLS and … workers, but may also have positive consequences on the aggregate saving rate. In addition, for Chile, it is evident that …

idiosyncratic shocks are experienced at the individual level, but responses to shocks can encompass the whole household …. Understanding and accurately modeling these responses is essential to the analysis of intra-household allocations, especially labor … disability and health status to develop a life-cycle framework which rationalizes observed responses of household members to …