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Hundreds of independent, local, quasi-charitable microcredit societies, or “loan funds,” were lending to as many as 20% of Irish households in the mid-19th century. Their goal was to relieve poverty by providing credit to the “industrious poor” at competitive interest rates without public funding. They successfully mitigated informational, moral hazard, and enforcement problems, and operated at a surplus in a market where intermediation by the banks seems not to have been profitable. Loan fund activity offers new insights into capital formation in the 19th-century Irish economy and challenges traditional notions regarding the economic activities of the Irish poor. They are also relevant for economists studying current microcredit initiatives. 相似文献
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Arthur Sweetman 《Intereconomics》2017,52(5):277-284
At a minimum, Canada’s observations of immigration policies, practices and outcomes in other countries have broadened and enriched the domestic policy debate, and hopefully other countries will similarly benefit from looking at Canada. 相似文献
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William P. Warburton Rebecca N. Warburton Arthur Sweetman Clyde Hertzman 《The Canadian journal of economics》2014,47(1):35-69
Understanding the causal impacts of taking at‐risk youth into government care is part of the evidence base for policy. Two sources of exogenous variation affecting alternative subsets of the at‐risk population provide causal impacts interpreted as local average treatment effects. Placing 16‐ to18‐year‐old males into care decreases or delays high school graduation, increases income assistance receipt, and has alternative effects on criminal convictions depending upon the instrument employed. This suggests that asking whether more or fewer children should be taken into care is insufficient; it also matters which, and how, children are taken into care. 相似文献
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In recent studies, the cyclical behavior of markups is examined, but the role of costs in determining markups is ignored. Here, a pricing equation is estimated that implicitly measures the rate of change in markup as a function of aggregate demand growth, aggregate inflation and industry cost inflation. Results for 21 two-digit SIC industries in the U.S. over 1948 to 1979 show incomplete pass-through from cost into price, implying a negative relationship between cost and the markup. Aggregate inflation positively influences prices and markups. Aggregate demand negatively influences prices and markups in highly concentrated industries, but not otherwise. 相似文献