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The authors thank colleagues at the D2D Fund, Howell Jackson, Anna Lusardi, Olivia Mitchell and Mike Orszag for beneficial discussions and for their help in conducting the research on which this pap...
This paper presents the results of a laboratory experiment designed to investigate whether the option of a Prize Linked Savings (PLS) product alters the likelihood that subjects choose to delay paymen...
The welfare impact of expanding access to bank accounts depends on whether accounts crowd out pre-existing financial relationships, or whether private gains from accounts are shared within socia...
After Michael Porter's seminal work on clusters and competitiveness published around 1990, cluster initiatives (CIs) have become a central feature of microeconomic policy around the world. CIs add a n...
While remittance flows to developing countries are very large, it is unknown whether migrants desire more control over how remittances are used. This research uses a randomized field experiment to inv...
Can governments increase private savings by taxing savings up front instead of in retirement? Roth 401(k) contributions are not tax-deductible in the contribution year, but withdrawals in retirement a...
Poverty is often characterized not only by low and unstable income, but also by heavy debt burdens. We find that reducing barriers to saving through access to free savings accounts decreases participa...
A major energy efficiency project at The University of Queensland is saving two tonnes of greenhouse gas emissions every day.
On the Allocative Performance of Rotating Savings and Credit Associations
Most old residential and commercial buildings in China are not insulated or not to new standards. This is true even in regions with very cold winters or regions with very hot summers. The insulation i...
Global savings glut or global banking glut?
How mobile is capital across countries? Does the expansion of world financial markets in the 1970s and 1980s reflect a tendency towards one integrated world capital market, accessible for both industr...
The article explains how to profit from monetizing tax credits, an opportunity to receive monetary value for underutilized tax credits that a taxpayer would otherwise be required to apply to its incom...
The article presents an analysis of the repercussions of the global financial crisis in terms of financial planning, focusing on the issue of retirement income planning. It is noted that the majority ...
In the last decade, a large body of literature has been developed to explain the universal features of inequality in terms of income and wealth. By now, it is established that the distributions of in...

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