What Are The Headwaters Of Formal Savings
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What Are The Headwaters Of Formal Savings
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Author : Michael Callen
language : en
Publisher:
Release Date : 2014
What Are The Headwaters Of Formal Savings written by Michael Callen and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with Economics categories.
When households increase their deposits in formal bank savings accounts, what is the source of the money? We combine high-frequency surveys with an experiment in which a Sri Lankan bank used mobile Point-of-Service (POS) terminals to collect deposits directly from households each week. In this context, the headwaters of formal savings are to be found in sacrificed leisure time: households work more, and work more on the wage market when savings options improve. These results suggest that the labor allocation channel is an important mechanism linking savings opportunities to income.
What Are The Headwaters Of Formal Saving
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Author :
language : en
Publisher:
Release Date : 2014
What Are The Headwaters Of Formal Saving written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with categories.
Handbook Of Microfinance Financial Inclusion And Development
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Author : Valentina Hartarska
language : en
Publisher: Edward Elgar Publishing
Release Date : 2023-02-14
Handbook Of Microfinance Financial Inclusion And Development written by Valentina Hartarska and has been published by Edward Elgar Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-02-14 with Business & Economics categories.
This timely Handbook collates a range of evidence from top scholars in the field to help readers understand who microfinance reaches, how it helps, and why clients come back. It offers updated views on important concepts that enable a broader framework for understanding poverty and the corresponding financial needs of poor households.
Escalation Management In International Crises
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Author : Jonathan Wilkenfeld
language : en
Publisher: Edward Elgar Publishing
Release Date : 2023-02-14
Escalation Management In International Crises written by Jonathan Wilkenfeld and has been published by Edward Elgar Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-02-14 with Political Science categories.
Based on cutting-edge research by an interdisciplinary team of academics and policy analysts, this insightful and timely book considers the role of great power competition in what has come to be known as gray zone conflict. Taking the 2022 Russian invasion of Ukraine as a backdrop for some of its critical evaluation, it also examines US and NATO approaches to the management of escalation in asymmetric conflicts, and proposes innovative tools for managing crises in the future.
Handbook Of Cultural Psychology Second Edition
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Author : Dov Cohen
language : en
Publisher: Guilford Publications
Release Date : 2019-02-27
Handbook Of Cultural Psychology Second Edition written by Dov Cohen and has been published by Guilford Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-02-27 with Medical categories.
Bringing together leading authorities, this definitive handbook provides a comprehensive review of the field of cultural psychology.
Returns To Capital In Microenterprises Evidence From A Field Experiment
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Author : Christopher Woodruff, David McKenzie, Suresh de Mel
language : en
Publisher: World Bank Publications
Release Date : 2007
Returns To Capital In Microenterprises Evidence From A Field Experiment written by Christopher Woodruff, David McKenzie, Suresh de Mel and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with categories.
Abstract: Small and informal firms account for a large share of employment in developing countries. The rapid expansion of microfinance services is based on the belief that these firms have productive investment opportunities and can enjoy high returns to capital if given the opportunity. However, measuring the return to capital is complicated by unobserved factors such as entrepreneurial ability and demand shocks, which are likely to be correlated with capital stock. The authors use a randomized experiment to overcome this problem and to measure the return to capital for the average microenterprise in their sample, regardless of whether they apply for credit. They accomplish this by providing cash and equipment grants to small firms in Sri Lanka, and measuring the increase in profits arising from this exogenous (positive) shock to capital stock. After controlling for possible spillover effects, the authors find the average real return to capital to be 5.7 percent a month, substantially higher than the market interest rate. They then examine the heterogeneity of treatment effects to explore whether missing credit markets or missing insurance markets are the most likely cause of the high returns. Returns are found to vary with entrepreneurial ability and with measures of other sources of cash within the household, but not to vary with risk aversion or uncertainty.
Saving Species On Private Lands
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Author : Lowell E. Baier
language : en
Publisher: Rowman & Littlefield
Release Date : 2020-03-09
Saving Species On Private Lands written by Lowell E. Baier and has been published by Rowman & Littlefield this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-03-09 with Nature categories.
Winner, Independent Press Award - Conservation/Green, 2021 The only hope for successful conservation of America’s threatened, endangered, and at-risk wildlife is through voluntary, cooperative partnerships that focus on private land, where over 75% of at-risk species can be found. Private landowners form the bedrock of these partnerships, and they have a long history of rising to meet the challenge of conservation. But they can’t do it alone. This book is a guide for private landowners who want to conserve wildlife. Whether engaged in farming, ranching, forestry, mining, energy development, or another business, private working lands all have value as wildlife habitat, with the proper management and financial support. This book provides landowners and their partners with a roadmap to achieve conservation compatible with their financial and personal goals. This book introduces the art and language of land management planning as well as regulatory compliance with laws such as the Endangered Species Act of 1973. It categorizes and explains the tools used by wildlife professionals to implement conservation on private lands. Moreover it documents the multitude of federal, state, local, and private opportunities for landowners to find financial and technical assistance in managing wildlife, from working with a local NGO to accessing the $6 billion per year available through the federal Farm Bill.
Save More Tomorrow
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Author : Shlomo Benartzi
language : en
Publisher: Penguin
Release Date : 2012-04-12
Save More Tomorrow written by Shlomo Benartzi and has been published by Penguin this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-04-12 with Business & Economics categories.
One of the world’s top experts in behavioral finance offers innovative strategies for improving 401(k) plans. Half of Americans do not have access to a retirement saving plan at their workplace. Of those who do about a third fail to join. And those who do join tend to save too little and often make unwise investment decisions. In short, the 401(k) world is in crisis, and workers need help. Save More Tomorrow provides that help by focusing on the behavioral challenges that led to this crisis inertia, limited self-control, loss aversion, and myopia—and transforms them into behavioral solutions. These solutions, or tools, are based on cutting edge behavioral finance research and they can dramatically improve outcomes by, for example, helping employees: -Save, even if they aren’t ready to do so now, by using future enrollment. -Save more by showing them images of their future selves. -Save smarter by reshuffling the order of funds on the investment menu. Save More Tomorrow is the first comprehensive application of behavioral finance to improve retirement outcomes. It also makes it easy for plan sponsors and their advisers to apply these behavioral tools using its innovative Behavioral Audit process.
Insurance Credit And Technology Adoption
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Author : Xavier Giné
language : en
Publisher:
Release Date : 2016
Insurance Credit And Technology Adoption written by Xavier Giné and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016 with categories.
The adoption of new agricultural technologies may be discouraged because of their inherent riskiness. This study implemented a randomized field experiment to ask whether the provision of insurance against a major source of production risk induces farmers to take out loans to invest in a new crop variety. The study sample was composed of roughly 800 maize and groundnut farmers in Malawi, where by far the dominant source of production risk is the level of rainfall. We randomly selected half of the farmers to be offered credit to purchase high-yielding hybrid maize and improved groundnut seeds for planting in the November 2006 crop season. The other half of the farmers were offered a similar credit package but were also required to purchase (at actuarially fair rates) a weather insurance policy that partially or fully forgave the loan in the event of poor rainfall. Surprisingly, take up was lower by 13 percentage points among farmers offered insurance with the loan. Take-up was 33.0 percent for farmers who were offered the uninsured loan. There is suggestive evidence that the reduced take-up of the insured loan was due to the high cognitive cost of evaluating the insurance: insured loan take-up was positively correlated with farmer education levels. By contrast, the take-up of the uninsured loan was uncorrelated with farmer education.
Environmental Flows
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Author : Angela Arthington
language : en
Publisher: Univ of California Press
Release Date : 2012-10-15
Environmental Flows written by Angela Arthington and has been published by Univ of California Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-10-15 with Nature categories.
Environmental Flows describes the timing, quality, and quantity of water flows required to sustain freshwater and estuarine ecosystems and the human well-being and livelihoods that depend upon them. It answers crucial questions about the flow of water within and between different kinds of ecosystems. What happens when the flow or the availability of water is curtailed or diverted, either naturally or by human activity? How will climate change alter the availability of water and impact aquatic ecosystems? Methodological developments from the simplest hydrological formulas to large-scale frameworks that inform water management make this book a must-read for water managers and freshwater and estuarine ecologists contending with ever-changing conditions influencing the flow of water.