Large international earnings differentials negatively impact human capital investments in migrant-origin countries. We find that three Central Asian migrant-sending countries-the Kyrgyz Republic, the Republic of Tajikistan, and the Republic of Uzbekistan-are facing a for-saken schooling...

This paper examines the disparity in default risk between vulnerable and non-vulnerable populations in consumer lending. We merge an exhaustive registry of loans granted in the financial system with microdata on vulnerable individuals applying for social programs. We estimate the sources of this...