The push for adopting digital modes of payment rests on three promises: increased efficiency of transactions, increased financial inclusion, and improvements in the financial well-being of low-income individuals. We experimentally test the extent to which these promises are fulfilled. We exploit...

Avaliamos os programas de transferência de renda não contributivas em 17 países da América Latina e do Caribe para identificar os fatores que os impedem de reduzir a pobreza e a desigualdade. Para realizar essa avaliação, analisamos três dimensões relacionadas a tamanho (número de...

We assess the non-contributory cash transfer systems in 17 Latin American and Caribbean countries to identify factors that keep them from reducing poverty and inequality. To perform this assessment, we analyze three dimensions of size (number of beneficiaries, size of transfer per beneficiary,...

Evaluamos los sistemas de transferencias monetarias no contributivas en 17 países de América Latina y el Caribe para identificar factores que les impiden reducir la pobreza y la desigualdad. Para realizar esta evaluación, analizamos tres dimensiones de tamaño (número de beneficiarios,...

We investigate the impact of immigration on public budgets using administrative data from German districts (Kreise). While previous literature suggests that the fiscal benefits of migration depend on government spending responses to immigration, the local-level effects in Germany remain...

A large literature on ex ante moral hazard in income insurance emphasizes that the individual can affect the probability of an income loss by choice of lifestyle and hence, the degree of risk-taking. The much smaller literature on moral hazard ex post mainly analyzes how a ?moral hazard...

The analysis of targeting of cash benefits is typically silent on whether any success is due to encouraging claims from the poor or to the decisions of administrators on the claims they receive. By contrast, the paper models the probabilities of households? knowledge of a new social assistance...

Are immigrants on welfare because they are more likely to be eligible or because they are more likely to claim benefits for which they are eligible? The answer is politically important, but because most current research on immigration and welfare is based on data from the U.S., the answer is...

This paper analyzes differences in welfare utilization between immigrants and natives in Sweden using a large panel data set, LINDA, for the years 1990 to 1996. Both welfare expenditures and immigration increased in Sweden in the 1990?s. We find that immigrants use welfare to a greater extent...

Considerable research attention has been devoted to the question of whether and to what extent changes in welfare policy legislated in the 1990s might have deterred immigrant participation in welfare programs, although only post-1996 immigrants were explicitly targeted by most of the changes....