Nicaragua https://poverty-action.org/ en The Role of Savings Accounts and Remittances in Mitigating the COVID-19 Crisis in Nicaragua https://poverty-action.org/study/role-savings-accounts-and-remittances-mitigating-covid-19-crisis-nicaragua <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">The Role of Savings Accounts and Remittances in Mitigating the COVID-19 Crisis in Nicaragua</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" typeof="schema:Person" property="schema:name" datatype="">Anonymous (not verified)</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Wed, 02/02/2022 - 17:40</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><h2>Abstract</h2><p>There is a limited understanding of how access to formal financial services may have helped vulnerable populations cope with the economic effects of the COVID-19 pandemic. Did formal savings help families cope with interruptions in employment? And, did digital remittances help mitigate the financial shocks of the pandemic? In Nicaragua, researchers leveraged an existing randomized evaluation—aimed at improving the productivity of the self-employed rural population—combined with bank administrative data to answer those questions.</p> <h2>Policy Issue</h2><p>The COVID-19 pandemic has resulted in massive loss of life and an unprecedented economic crisis with far-reaching social impacts. There is however little evidence on the mechanisms that could help populations cope with the economic impacts of the pandemic. Two potential methods of weathering economic shocks are formal savings and remittances. Some <a href="https://www.poverty-action.org/sites/default/files/publications/Building-Resilience-through-Financial-Inclusion-English.pdf">evidence</a> suggests that households with robust savings can weather shocks like unemployment. In the absence of savings, households may rely on other sources of income, for example, remittances—transfers sent home by migrants to support their families.</p> <p>However, in the context of the COVID-19 pandemic, it is unclear whether remittances will provide an adequate social safety net. The global economic crisis could have affected the income of remittance issuers, thereby reducing remittances. Lockdowns and mobility restrictions could also affect migration and supply chains, making it difficult to send remittances. At the same time, the pandemic has led to widespread adoption of digital financial services<a href="#_ftn1" name="_ftnref1" title="" id="_ftnref1"><sup><sup>[1]</sup></sup></a>. This increased use of mobile money could have increased remittances.</p> <div> <div id="ftn1"> <p> </p> </div> </div> <h2>Context of the Evaluation</h2><p>The COVID 19 pandemic and the political crisis Nicaragua is currently experiencing threatens to reverse the progress achieved between 2005 and 2014 when the country experienced a constant growth of 4 percent and reduced poverty by half. Moreover, despite progress, Nicaragua remains one of the poorest countries in the region, surpassed only by Haiti, and access to basic services remains a key challenge.</p> <p>Even before the pandemic, poverty in Nicaragua started to increase (from 9.5 percent in 2017 to 13.1 percent in 2019), a situation expected to worsen with the loss of jobs associated with the pandemic and renewed political instability. Experts estimate that more than 80,000 new people will live in poverty compared to 2019.<a href="#_ftn1" name="_ftnref1" title="" id="_ftnref1"><sup><sup>[1]</sup></sup></a></p> <p>Savings or any other mechanism to deal with financial shocks in the Nicaraguan population are rare, in fact, only one in three adults had access to a bank account.<a href="#_ftn2" name="_ftnref2" title="" id="_ftnref2"><sup><sup>[2]</sup></sup></a> In the absence of financial security, many people had to lower even more their expenses. According to a phone survey by the World Bank, food insecurity worsened as 26 percent of households reported running out of food during the pandemic.<a href="#_ftn3" name="_ftnref3" title="" id="_ftnref3"><sup><sup>[3]</sup></sup></a> For many households, remittances, which represent 10 percent of the Gross Domestic Product (GDP), are the only income they have left to cope with this economic recession.</p> <div> <div id="ftn3"> </div> </div> <h2>Details of the Intervention</h2><p>In Nicaragua, researchers leveraged an existing randomized evaluation​​—aimed at improving the productivity of the self-employed rural population—to measure whether access to savings accounts helped mitigate the negative effects of the pandemic. The intervention was conducted in partnership with the private bank Banpro between January and May 2019. 2,802 rural households were randomly assigned to one of the following groups<a href="#_ftn1" name="_ftnref1" title="" id="_ftnref1"><sup><sup>[1]</sup></sup></a>:</p> <ul><li><strong>Savings account:</strong> Rural households were offered a savings account through door-to-door visits by Banpro's marketing representatives. The aim of these accounts was to provide a tool for accumulating financial capital that will be later allocated to productive investments.</li> <li><strong>Savings account + saving grant: </strong>Rural households were offered a savings account plus a cash grant. The value of the grant was USD $200 (valued at about NIO $6,000 at the time of the intervention) distributed over a 20-week period.</li> <li><strong>Productive investment grant: </strong>Rural households in this group received a cash transfer worth USD $200. Households were invited to use this transfer as a productive investment that would enable them to diversify their productive activities.</li> <li><strong>Aspiration training: </strong>Rural households in this group received personal initiative training. The training was designed based on psychological theories that identify the aspirational deficit as an obstacle for self-employed people to improve their productive activities.</li> <li><strong>Aspiration training: + savings account + saving grant: </strong>Rural households in this group received the aspiration training, a savings account, and the saving grant.</li> <li><strong>Comparison group: </strong>Rural households in this group received no intervention.</li> </ul><p>In addition, the research team analyzed how the COVID 19 pandemic has affected remittances. To do this, they used administrative data from an online banking program—Mobile Wallet—launched by Banpro. The data contains banking transaction information (including remittances) of 720,000 participants from 2019-2020, representative at the country level.</p> <h2>Results and Policy Lessons</h2><p>Research ongoing; results forthcoming.</p> <h2>Sources</h2><p><a href="#_ftnref1" name="_ftn1" title="" id="_ftn1"><sup><sup>[1]</sup></sup></a> Aramé Awanis and Emily Gamble, “Assessing Mobile Money Consumer Trends in the Wake of the COVID-19 Pandemic,” Mobile for Development (blog), March 12, 2021, https://www.gsma.com/mobilefordevelopment/blog/assessing-mobile-money-consumer-trends-in-the-wake-of-the-covid-19-pandemic/.</p> <div id="ftn1"> <p><a href="#_ftnref1" name="_ftn1" title="" id="_ftn1"><sup><sup>[2]</sup></sup></a> World Bank. “Poverty and Equity Brief: Nicaragua.” (2020).https://databank.worldbank.org/data/download/poverty/987B9C90-CB9F-4D93-AE8C-750588BF00QA/AM2021/Global_POVEQ_NIC.pdf</p> </div> <div id="ftn2"> <p><a href="#_ftnref2" name="_ftn2" title="" id="_ftn2"><sup><sup>[3]</sup></sup></a> World Bank. “Account ownership at a financial institution or with a mobile-money-service provider (% of population ages 15+): Nicaragua.” <em>Data Bank</em> (2017).</p> </div> <div id="ftn3"> <p><a href="#_ftnref3" name="_ftn3" title="" id="_ftn3"><sup><sup>[4]</sup></sup></a> World Bank. “Poverty and Equity Brief: Nicaragua.” (2020).https://databank.worldbank.org/data/download/poverty/987B9C90-CB9F-4D93-AE8C-750588BF00QA/AM2021/Global_POVEQ_NIC.pdf</p> <p><a href="#_ftnref1" name="_ftn1" title="" id="_ftn1"><sup><sup>[5]</sup></sup></a> The researchers were able to track only 1,595 households of the 2,802 who originally participated in the study.</p> </div> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-date--default.html.twig x paragraph--sub-cb30-date.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-date paragraph--view-mode--default"> <div class="cb-date"> February 02, 2022 </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/case-studies" hreflang="en">Case Study</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * 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<div class="field__item"><a href="/taxonomy/term/1851" hreflang="en">Access to Finance</a></div> <div class="field__item"><a href="/taxonomy/term/9706" hreflang="en">COVID-19</a></div> <div class="field__item"><a href="/taxonomy/term/2001" hreflang="en">Remittances</a></div> <div class="field__item"><a href="/taxonomy/term/2006" hreflang="en">Savings</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/88" hreflang="en">Nicaragua</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-researchers--rss.html.twig * field--node--rss--field-details-researchers--template-g-details-flex.html.twig * field--node--rss--field-details-researchers.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-researchers--template-g-details-flex.html.twig * field--node--field-details-researchers.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-researchers.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-researchers.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <div class="field field--name-field-details-researchers field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/elizaveta-perova"> <div class="img" style="background-image: url('/sites/default/files/headshots/Photo_Perova.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Elizaveta Perova </div> <div class="title"> World Bank </div> </div> </a> </div> <div class="ind"> <a href="/people/arndt-reichert"> <div class="img" style="background-image: url('/sites/default/files/headshots/picture-10938-1441041001.jpeg')"> </div> <div class="meta"> <div class="name notranslate"> Arndt Reichert </div> <div class="title"> University of Hannover </div> </div> </a> </div> <div class="ind"> <a href="/people/alejandro-de-la-fuente"> <div class="img" style="background-image: url('/sites/default/files/headshots/2019-De-La-Fuente-Alejandro-220x220.jpeg')"> </div> <div class="meta"> <div class="name notranslate"> Alejandro de la Fuente </div> <div class="title"> World Bank </div> </div> </a> </div> <div class="ind"> <a href="/people/xavier-gine"> <div class="img" style="background-image: url('/sites/default/files/2023-08/Xavier-Gine.png')"> </div> <div class="meta"> <div class="name notranslate"> Xavier Giné </div> <div class="title"> World Bank </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sample-size--rss.html.twig * field--node--rss--field-sample-size--template-g-details-flex.html.twig * field--node--rss--field-sample-size.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-sample-size--template-g-details-flex.html.twig * field--node--field-sample-size.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-sample-size.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-sample-size.html.twig * field--string.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-sample-size field--type-string field--label-above"> <div class="field__label">Sample Size</div> <div class="field__item">1,595 households</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- 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FILE NAME SUGGESTIONS: * field--field-implemented-by-ipa--rss.html.twig * field--node--rss--field-implemented-by-ipa--template-g-details-flex.html.twig * field--node--rss--field-implemented-by-ipa.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-implemented-by-ipa--template-g-details-flex.html.twig * field--node--field-implemented-by-ipa.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-implemented-by-ipa.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-implemented-by-ipa.html.twig * field--list-string.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-implemented-by-ipa field--type-list-string field--label-above"> <div class="field__label">Implemented by IPA</div> <div class="field__item">No</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-post-teaser-text--rss.html.twig * field--node--rss--field-post-teaser-text--template-g-details-flex.html.twig * field--node--rss--field-post-teaser-text.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-post-teaser-text--template-g-details-flex.html.twig * field--node--field-post-teaser-text.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-post-teaser-text.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-post-teaser-text.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-post-teaser-text field--type-text-long field--label-above"> <div class="field__label">Post Teaser Text</div> <div class="field__item"><p>There is a limited understanding of how access to formal financial services may have helped vulnerable populations cope with the economic effects of the COVID-19 pandemic.Did formal savings help families cope with interruptions in employment? And, did digital remittances help mitigate the financial shocks of the pandemic? In Nicaragua, researchers leveraged an existing randomized evaluation—aimed at improving the productivity of the self-employed rural population—combined with bank administrative data to answer those questions.<br /> The COVID-19 pandemic has resulted in massive loss of life and an unprecedented economic crisis with far-reaching social impacts.</p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> Wed, 02 Feb 2022 22:40:12 +0000 Anonymous 49736 at https://poverty-action.org Webinar | Remittance Flows and the COVID-19 Pandemic https://poverty-action.org/webinar-remittance-flows-and-covid-19-pandemic <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Webinar | Remittance Flows and the COVID-19 Pandemic</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" typeof="schema:Person" property="schema:name" datatype="">Anonymous (not verified)</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Thu, 11/11/2021 - 13:08</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p>Despite predictions, <a data-saferedirecturl="https://www.google.com/url?q=https://www.worldbank.org/en/news/press-release/2021/05/12/defying-predictions-remittance-flows-remain-strong-during-covid-19-crisis&amp;amp;source=gmail&amp;amp;ust=1637684396085000&amp;amp;usg=AOvVaw2gRpAXsXVnY2h1uOYoZ77G" href="https://www.worldbank.org/en/news/press-release/2021/05/12/defying-predictions-remittance-flows-remain-strong-during-covid-19-crisis" target="_blank">remittance flows declined only slightly</a> in response to the COVID-19 pandemic. In regions like Latin America and South Asia, <a data-saferedirecturl="https://www.google.com/url?q=https://www.worldbank.org/en/news/press-release/2021/05/12/defying-predictions-remittance-flows-remain-strong-during-covid-19-crisis&amp;amp;source=gmail&amp;amp;ust=1637684396085000&amp;amp;usg=AOvVaw2gRpAXsXVnY2h1uOYoZ77G" href="https://www.worldbank.org/en/news/press-release/2021/05/12/defying-predictions-remittance-flows-remain-strong-during-covid-19-crisis" target="_blank">remittance flows actually increased by 6.5% and 5.2%</a>, respectively, despite high rates of global unemployment. Data from an IPA study in Nicaragua finds that formal remittances increased about 25% in the months following lockdown. This global rise in formal remittances could be attributed to a shift from informal remittance flows to formal and digital channels, the latter of which is easier to track; more liquidity from social protection programs; or an increase in altruism. This webinar brought together researchers from the World Bank and the UN Capital Development Fund to present novel evidence on the global shift to digital remittances. The presentations will provide insights on the drivers of the digitization of remittances, its implications for the welfare of recipient households, and the broader impacts on financial inclusion.</p> <h4>Speakers</h4> <ul><li><strong><a href="/people/xavier-gine" target="_blank">Xavier Gine</a>, </strong>Lead Economist, Development Economics, World Bank</li> <li><strong><a href="https://www.worldbank.org/en/about/people/a/alejandro-de-la-fuente" target="_blank">Alejandro de la Fuente</a>, </strong>Senior Economist in the Poverty and Equity Global Practice, World Bank</li> <li><strong><a data-saferedirecturl="https://www.google.com/url?q=https://www.worldbank.org/en/about/people/l/lelys-dinarte&amp;amp;source=gmail&amp;amp;ust=1637684396085000&amp;amp;usg=AOvVaw2j8OlRyxQ7-pKxuf6DT-mx" href="https://www.worldbank.org/en/about/people/l/lelys-dinarte" target="_blank">Lelys Dinarte</a></strong>, Economist, Human Development Team, World Bank</li> <li><strong><a href="https://migrantmoney.uncdf.org/meet-the-team" target="_blank">Robin Gravesteijn</a>, </strong>Data &amp; Research Lead, UNCDF</li> <li><strong><a href="https://migrantmoney.uncdf.org/meet-the-team" target="_blank">Azar Sultanov</a>, </strong>Migration Economist, UNCDF</li> <li><strong><a href="/people/Tanvi-Jaluka" target="_blank">Tanvi Jaluka</a>, </strong>Program Manager, Financial Inclusion Program, IPA (moderator)</li> </ul><h4>Agenda</h4> <ul><li>Introductory Remarks</li> <li>Presentations <ul><li>Evidence from Nicaragua (Drs. Xavier Gine and Alejandro de la Fuente, World Bank)</li> <li>Evidence from Mexico (Dr. Lelys Dinarte, World Bank)</li> <li>Multi-country evidence from Africa and Asia (Drs. Robin Gravesteijn and Azar Sultanov, UNCDF)</li> </ul></li> <li>Q&amp;A</li> </ul><hr /><p><strong>Watch the video recording below:</strong></p> <p><iframe allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="" frameborder="0" height="378" src="https://www.youtube.com/embed/sJgQ9JFmUnY" title="YouTube video player" width="672"></iframe></p> <div class="field-city"> <h2>City</h2> Webinar</div> <div class="field-country"> <h2>Country</h2> United States</div> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/events" hreflang="en">Events</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/166" hreflang="en">Financial Inclusion</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/88" hreflang="en">Nicaragua</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-timeline--rss.html.twig * field--node--rss--field-timeline--template-g-details-flex.html.twig * field--node--rss--field-timeline.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-timeline--template-g-details-flex.html.twig * field--node--field-timeline.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-timeline.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-timeline.html.twig * field--string-long.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-timeline field--type-string-long field--label-above"> <div class="field__label">Timeline</div> <div class="field__item">9-10:30 AM ET / 3-4:30 PM CET</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-event-start-date--rss.html.twig * field--node--rss--field-event-start-date--template-g-details-flex.html.twig * field--node--rss--field-event-start-date.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-event-start-date--template-g-details-flex.html.twig * field--node--field-event-start-date.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-event-start-date.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-event-start-date.html.twig * field--datetime.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-event-start-date field--type-datetime field--label-above"> <div class="field__label">Event Start Date</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'time' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> <time datetime="2021-12-08T12:00:00Z" class="datetime">Wed, 12/08/2021 - 12:00</time> <!-- END OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-event-end-date--rss.html.twig * field--node--rss--field-event-end-date--template-g-details-flex.html.twig * field--node--rss--field-event-end-date.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-event-end-date--template-g-details-flex.html.twig * field--node--field-event-end-date.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-event-end-date.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-event-end-date.html.twig * field--datetime.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-event-end-date field--type-datetime field--label-above"> <div class="field__label">Event End Date</div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'time' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> <time datetime="2021-12-08T12:00:00Z" class="datetime">Wed, 12/08/2021 - 12:00</time> <!-- END OUTPUT from 'core/themes/classy/templates/field/time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-post-teaser-text--rss.html.twig * field--node--rss--field-post-teaser-text--template-g-details-flex.html.twig * field--node--rss--field-post-teaser-text.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-post-teaser-text--template-g-details-flex.html.twig * field--node--field-post-teaser-text.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-post-teaser-text.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-post-teaser-text.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-post-teaser-text field--type-text-long field--label-above"> <div class="field__label">Post Teaser Text</div> <div class="field__item"><p>Despite predictions, remittance flows declined only slightly in response to the COVID-19 pandemic.In regions like Latin America and South Asia, remittance flows actually increased by 6.5% and 5.2%, respectively, despite high rates of global unemployment.Data from an IPA study in Nicaragua finds that formal remittances increased about 25% in the months following lockdown.This global rise in formal remittances could be attributed to a shift from informal remittance flows to formal and digital channels, the latter of which is easier to track; more liquidity from social protection programs; or an increase in altruism.</p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> Thu, 11 Nov 2021 18:08:23 +0000 Anonymous 48841 at https://poverty-action.org After the Transfers Stop https://poverty-action.org/publication/after-transfers-stop <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">After the Transfers Stop</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" typeof="schema:Person" property="schema:name" datatype="">Anonymous (not verified)</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Tue, 03/01/2016 - 14:48</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p>Cash transfers directed to female caregivers in Nicaragua led to gains in child-development outcomes that persisted beyond the duration of the program.</p> <p>Early childhood is a critical period for investment in human development, the circumstances of which can have lifelong impacts. Physical, cognitive, or behavioral delays in development can result in long-term negative effects on health, educational attainment, labor-market outcomes, and other indicators of well-being.</p> <p>Conditional cash transfer (cct) programs are one way to help parents who lack resources invest more in their children. These programs provide families with cash grants as long as they undertake certain activities such as having their children attend regular health check-ups. While there is a large body of evidence on the short-term impacts of ccts on children’s development, there is less evidence on their long-term impacts. To better understand the effects of ccts later in life, researchers evaluated two distinct cct programs in Nicaragua.</p> <p>In the first evaluation, researchers Tania Barham (University of Colorado Boulder), J-PAL affiliate Karen Macours (Paris School of Economics), and John A. Maluccio (Middlebury College), examined the long-term impacts of ccts on child development. In this study, they tested whether there is a critical window of time (the first 1,000 days from in utero to age two) for cognitive and physical development by taking advantage of the random assignment of households to receive cash transfers in either an “early” or “late" treatment group. In the second evaluation, Karen Macours, Norbert Schady (Inter-American Development Bank), and Renos Vakis (World Bank) studied a cct program with three variations to understand the channels through which different program components impacted early childhood development.</p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-date--default.html.twig x paragraph--sub-cb30-date.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-date paragraph--view-mode--default"> <div class="cb-date"> July 21, 2014 </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/publications" hreflang="en">Publications</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/176" hreflang="en">Health &amp; Nutrition</a></div> <div class="field__item"><a href="/taxonomy/term/191" hreflang="en">Social Protection</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/1821" hreflang="en">Cash Transfers</a></div> <div class="field__item"><a href="/taxonomy/term/1861" hreflang="en">Early Childhood Development</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/88" hreflang="en">Nicaragua</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-publication-type--rss.html.twig * field--node--rss--field-details-publication-type--template-g-details-flex.html.twig * field--node--rss--field-details-publication-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-publication-type--template-g-details-flex.html.twig * field--node--field-details-publication-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-publication-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-publication-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-publication-type field--type-entity-reference field--label-above"> <div class="field__label">Details Publication Type</div> <div class="field__item"><a href="/taxonomy/term/16" hreflang="en">Brief</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-author--rss.html.twig * field--node--rss--field-details-author--template-g-details-flex.html.twig * field--node--rss--field-details-author.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-author--template-g-details-flex.html.twig * field--node--field-details-author.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-author.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-author.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-author.html.twig' --> <div class="field field--name-field-details-author field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/karen-macours"> <div class="img" style="background-image: url('/sites/default/files/headshots/karen_macours_0.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Karen Macours </div> <div class="title"> Paris School of Economics </div> </div> </a> </div> <div class="ind"> <a href="/people/renos-vakis"> <div class="img" style="background-image: url('/sites/default/files/headshots/renos_vakis_0.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Renos Vakis </div> <div class="title"> World Bank </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-author.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-file--rss.html.twig * field--node--rss--field-file--template-g-details-flex.html.twig * field--node--rss--field-file.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-file--template-g-details-flex.html.twig * field--node--field-file.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-file.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-file.html.twig * field--file.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-file field--type-file field--label-above"> <div class="field__label">File</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'pdfpreview_formatter' --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/pdfpreview-formatter.html.twig' --> <div class="pdfpreview" id="pdfpreview-734101"> <div class="pdfpreview-image-wrapper"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> <a href="/sites/default/files/publications/After-the-Transfers-Stop_June-2014.pdf"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_style' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-style.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <img class="pdfpreview-file image-style-large" src="/sites/default/files/styles/large/public/pdfpreview/734101-After-the-Transfers-Stop_June-2014.png?itok=IuYv2eiF" width="371" height="480" loading="lazy" typeof="foaf:Image" /> <!-- END OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-style.html.twig' --> </a> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/pdfpreview-formatter.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-post-teaser-text--rss.html.twig * field--node--rss--field-post-teaser-text--template-g-details-flex.html.twig * field--node--rss--field-post-teaser-text.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-post-teaser-text--template-g-details-flex.html.twig * field--node--field-post-teaser-text.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-post-teaser-text.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-post-teaser-text.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-post-teaser-text field--type-text-long field--label-above"> <div class="field__label">Post Teaser Text</div> <div class="field__item">Cash transfers directed to female caregivers in Nicaragua led to gains in child-development outcomes that persisted beyond the duration of the program. Early childhood is a critical period for investment in human development, the circumstances of which can have lifelong impacts.Physical, cognitive, or behavioral delays in development can result in long-term negative effects on health, educational attainment, labor-market outcomes, and other indicators of well-being. Conditional cash transfer (cct) programs are one way to help parents who lack resources invest more in their children.</div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> Tue, 01 Mar 2016 19:48:58 +0000 Anonymous 20236 at https://poverty-action.org Tropical Lending: International Prices, Strategic Default and Credit Constraints among Coffee Washing Stations https://poverty-action.org/publication/tropical-lending-international-prices-strategic-default-and-credit-constraints-among <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Tropical Lending: International Prices, Strategic Default and Credit Constraints among Coffee Washing Stations</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" typeof="schema:Person" property="schema:name" datatype="">Anonymous (not verified)</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Fri, 09/18/2015 - 10:33</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p>We use detailed contract level data on a portfolio of 197 coffee washing stations in 18 countries to identify the sources and consequences of credit markets imperfections. Due to moral hazard, default rates increase following unanticipated increases in world coffee prices just before (but not just after) the maturity date of the contract. Strategic default is deterred by relationships with the lender and foreign buyers: the value of informal enforcement amounts to 50% of the value of the sale contract for repaying borrowers. A RDD shows that firms are credit constrained. Additional loans are used to increase input purchases from farmers rather than substituting other sources of credit. Prices paid to farmers increase implying the existence of contractual externalities along the supply chain.</p></div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-date--default.html.twig x paragraph--sub-cb30-date.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-date paragraph--view-mode--default"> <div class="cb-date"> September 01, 2013 </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div 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field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-publication-type field--type-entity-reference field--label-above"> <div class="field__label">Details Publication Type</div> <div class="field__item"><a href="/taxonomy/term/11" hreflang="en">Working Paper</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-author--rss.html.twig * field--node--rss--field-details-author--template-g-details-flex.html.twig * field--node--rss--field-details-author.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-author--template-g-details-flex.html.twig * field--node--field-details-author.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-author.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-author.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-author.html.twig' --> <div class="field field--name-field-details-author field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/rocco-macchiavello"> <div class="img" style="background-image: url('/sites/default/files/2023-08/Rocco-Macchiavello.png')"> </div> <div class="meta"> <div class="name notranslate"> Rocco Macchiavello </div> <div class="title"> London School of Economics and Political Science </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-author.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-file--rss.html.twig * field--node--rss--field-file--template-g-details-flex.html.twig * field--node--rss--field-file.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-file--template-g-details-flex.html.twig * field--node--field-file.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-file.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-file.html.twig * field--file.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-file field--type-file field--label-above"> <div class="field__label">File</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'pdfpreview_formatter' --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/pdfpreview-formatter.html.twig' --> <div class="pdfpreview" id="pdfpreview-15911"> <div class="pdfpreview-image-wrapper"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> <a href="/sites/default/files/publications/tl.pdf"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_style' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-style.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <img class="pdfpreview-file image-style-large" src="/sites/default/files/styles/large/public/pdfpreview/15911-tl.png?itok=hJVXv4t5" width="339" height="480" loading="lazy" typeof="foaf:Image" /> <!-- END OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-style.html.twig' --> </a> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/pdfpreview-formatter.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-post-teaser-text--rss.html.twig * field--node--rss--field-post-teaser-text--template-g-details-flex.html.twig * field--node--rss--field-post-teaser-text.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-post-teaser-text--template-g-details-flex.html.twig * field--node--field-post-teaser-text.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-post-teaser-text.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-post-teaser-text.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-post-teaser-text field--type-text-long field--label-above"> <div class="field__label">Post Teaser Text</div> <div class="field__item">We use detailed contract level data on a portfolio of 197 coffee washing stations in 18 countries to identify the sources and consequences of credit markets imperfections.Due to moral hazard, default rates increase following unanticipated increases in world coffee prices just before (but not just after) the maturity date of the contract.Strategic default is deterred by relationships with the lender and foreign buyers: the value of informal enforcement amounts to 50% of the value of the sale contract for repaying borrowers.A RDD shows that firms are credit constrained.</div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> Fri, 18 Sep 2015 14:33:24 +0000 Anonymous 16706 at https://poverty-action.org Relationships for Financing in the International Coffee Market https://poverty-action.org/study/relationships-financing-international-coffee-market <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Relationships for Financing in the International Coffee Market</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" typeof="schema:Person" property="schema:name" datatype="">Anonymous (not verified)</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Mon, 07/20/2015 - 15:45</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><h2>Abstract</h2><p>Expanding credit access to small- and medium-sized agricultural producers is an important policy challenge, given the millions of livelihoods affected along its supply chain. Researchers used data on loans to coffee processors across 24 developing countries to study credit and insurance constraints in the coffee sector and assessed whether relationships between lenders and coffee mills could mitigate strategic default. Results show that strategic default is a pervasive problem in this market and that business relationship can significantly mitigate the consequences of the possibility of default. The data also suggests that both credit and insurance availability are a significant constraint even to relatively large firms, like coffee producers and exporters.</p> <h2>Policy Issue</h2><p>In developing countries, contracts are hard to enforce. This is particularly true in export markets. Lack of contract enforcement can thus prevent firms from expanding their scale by constraining their ability to deal with new buyers or access credit --the most significant constraint for business growth as reported by firm.<a href="#_ftn1" name="_ftnref1" title="" id="_ftnref1"><sup><sup>[1]</sup></sup></a> In the absence of strong institutions it is difficult to enforce contracts and thus raise the risk of default for both lenders and commercial partners alike. In these contexts, contracting parties turn to business relationships and a counterparty’s reputation to hedge the risk of default. Identifying the incentives that could lead parties to default on a commitment and the extent to which business relationships could deter such behavior could offer important insights for decision makers in industry and government alike. </p> <h2>Context of the Evaluation</h2><p>Financing is a major constraint for farm producers, with a financing gap for smallholder farmers estimated at US$450 billion.<a href="#_ftn1" name="_ftnref1" title="" id="_ftnref1"><sup><sup>[2]</sup></sup></a> Smallholder farmers account for the majority of coffee bean production around the world, representing an estimated workforce of 100 million people along its supply chain globally.<a href="#_ftn2" name="_ftnref2" title="" id="_ftnref2"><sup><sup>[3]</sup></sup></a> </p> <p>The partner in this project is a nonprofit that provides loans and financial training to staff at coffee mills. Like other agricultural lenders, the partner uses purchase contracts between a coffee buyer (importer or roaster) and seller (coffee mills) in lieu of collateral. The lending scheme thus leverages the business relationships between the exporters and the foreign buyers to extent working capital loans to a sector that is otherwise very difficult to reach for standard commercial lenders. The coffee mills in the sample had on average over US$3.5 million per year in sales, held almost US$2 million in total assets, and received an average loan size of over US$400,000 from the lender.</p> <div> <div id="ftn2"> </div> </div> <h2>Details of the Intervention</h2><p>This study investigated whether existing relationships between international buyers and coffee mills mitigate the likelihood of default. Researchers built a model that linked contracts to price fluctuations to test whether the relationships between mills, buyers, and lenders mitigated the likelihood of defaults. They also estimated the impact of these defaults along the supply chain.</p> <p>The study used data covering 967 loans disbursed to 272 coffee mills between 2003 and 2014. The firms were located in 24 countries, with Peru, Mexico, Nicaragua, Rwanda, and Guatemala accounting for the majority of loans.</p> <p>The loans were made using a coffee mills’ forward sales agreement as collateral. Before harvest season, a coffee buyer signs a purchase agreement with the coffee mill for the delivery of a certain amount of coffee at a later date. To set the price for coffee, these agreements either use a fixed price (fixed price contract), or a basis price plus/minus a predetermined differential (differential price contract). A third-party lender then advances a share of the purchase value to the mill as a loan.  After harvest, if the mill delivers the coffee to the buyer, the buyer will pay the lender directly for the value of the loan.  If the mill fails to deliver the purchased coffee, the mill enters into default.</p> <h2>Results and Policy Lessons</h2><p><em>Strategic Default: </em>The researchers find that between 42 and 59 percent of contract defaults happen because mills pursued more lucrative sales outside the price parameters set in the forward sale agreements--also known as <em>strategic default.</em> Although contractual defaults are relatively rare, contracting parties adjust their trade in anticipation of the possibility of strategic default. The mere possibility of strategic default can thus lead to large distortions. There are two types of distortions. First, parties might reduce exposure by limiting the volume of coffee traded and/or the availability of working capital finance. This generates <em>credit constraints</em>. Second, parties might choose contractual terms that are more robust to strategic default, but leave exporters exposed to price risk. This generates <em>insurance constraints</em>.</p> <p>Business relationships can mitigate both problems. On average, the value of a relationship between a coffee mill and a buyer accounts for 44 percent of the value of the sales contracts.</p> <p><em>Effects along the Supply Chain: </em>In the absence of default, there would be higher mill production: an estimated 19 percent higher on average. These estimates point to significant distortions in firm output deriving from the unavailability of more optimal insurance options and working capital. This lower output at the mills also translate into losses for supplying farmers, which is estimated  between 10 and 32 percent lower welfare as a result.</p> <p>The study documents the existence of welfare losses for supplying farmers because of failures in contract enforcement, as well as reductions in productivity at the firm level as a result of this. At the same time, the study documents important financial constraints among relatively large exporting firms in developing countries. Finally, the study sheds lights on the value of, and difficulty in extending, price risk hedging tools to exporters in emerging markets.</p> <h2>Sources</h2><p>[1] Ayyagari, Meghana; Demirguc-Kunt, Asli; Maksimovic, Vojislav. 2017. SME finance (English). Policy Research working paper; no. WPS 8241. Washington, D.C. : World Bank Group. P. 7</p> <div id="ftn1"> <p><font size="1">[2] </font>Carroll, Tom, Andrew Stern, Dan Zook, Rocio Funes, Angela Rastegar, and Yuting Lien. "Catalyzing smallholder agricultural finance." Dalberg Global Development Advisors 48 (2012). P. 8</p> <p>[3] Panhuysen, S., and J. Pierrot. "Coffee Barometer 2014, Hivos." International Union for Conservation of Nature (IUCN NL), Oxfam Novib, Solidaridad and World Wide Fund For Nature (WWF) (2014). P. 1</p> </div> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-date--default.html.twig x paragraph--sub-cb30-date.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-date paragraph--view-mode--default"> <div class="cb-date"> April 11, 2019 </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/case-studies" hreflang="en">Case Study</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/186" hreflang="en">Entrepreneurship &amp; Private Sector Development</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/1811" hreflang="en">Access to Markets</a></div> <div class="field__item"><a href="/taxonomy/term/1886" hreflang="en">Financial Capability</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/81" hreflang="en">Mexico</a></div> <div class="field__item"><a href="/taxonomy/term/88" hreflang="en">Nicaragua</a></div> <div class="field__item"><a href="/taxonomy/term/94" hreflang="en">Peru</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-researchers--rss.html.twig * field--node--rss--field-details-researchers--template-g-details-flex.html.twig * field--node--rss--field-details-researchers.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-researchers--template-g-details-flex.html.twig * field--node--field-details-researchers.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-researchers.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-researchers.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <div class="field field--name-field-details-researchers field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/arthur-blouin"> <div class="img" style="background-image: url('/sites/default/files/headshots/Blouin.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Arthur Blouin </div> <div class="title"> University of Toronto </div> </div> </a> </div> <div class="ind"> <a href="/people/rocco-macchiavello"> <div class="img" style="background-image: url('/sites/default/files/2023-08/Rocco-Macchiavello.png')"> </div> <div class="meta"> <div class="name notranslate"> Rocco Macchiavello </div> <div class="title"> London School of Economics and Political Science </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-researchers.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-preview-image--rss.html.twig * field--node--rss--field-details-preview-image--template-g-details-flex.html.twig * field--node--rss--field-details-preview-image.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-preview-image--template-g-details-flex.html.twig * field--node--field-details-preview-image.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-preview-image.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-preview-image.html.twig * field--image.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-preview-image field--type-image field--label-above"> <div class="field__label">Details Preview Image</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <img loading="lazy" src="/sites/default/files/images/study/20249568202_d6936e8925_k.jpg" width="2048" height="1152" alt="" typeof="foaf:Image" /> <!-- END OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sample-size--rss.html.twig * field--node--rss--field-sample-size--template-g-details-flex.html.twig * field--node--rss--field-sample-size.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-sample-size--template-g-details-flex.html.twig * field--node--field-sample-size.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-sample-size.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-sample-size.html.twig * field--string.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-sample-size field--type-string field--label-above"> <div class="field__label">Sample Size</div> <div class="field__item">967 loans to 272 mills</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-implemented-by-ipa--rss.html.twig * field--node--rss--field-implemented-by-ipa--template-g-details-flex.html.twig * field--node--rss--field-implemented-by-ipa.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-implemented-by-ipa--template-g-details-flex.html.twig * field--node--field-implemented-by-ipa.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-implemented-by-ipa.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-implemented-by-ipa.html.twig * field--list-string.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-implemented-by-ipa field--type-list-string field--label-above"> <div class="field__label">Implemented by IPA</div> <div class="field__item">No</div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-post-teaser-text--rss.html.twig * field--node--rss--field-post-teaser-text--template-g-details-flex.html.twig * field--node--rss--field-post-teaser-text.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-post-teaser-text--template-g-details-flex.html.twig * field--node--field-post-teaser-text.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-post-teaser-text.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-post-teaser-text.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-post-teaser-text field--type-text-long field--label-above"> <div class="field__label">Post Teaser Text</div> <div class="field__item"><p>Expanding credit access to small- and medium-sized agricultural producers is an important policy challenge, given the millions of livelihoods affected along its supply chain.Researchers used data on loans to coffee processors across 24 developing countries to study credit and insurance constraints in the coffee sector and assessed whether relationships between lenders and coffee mills could mitigate strategic default.Results show that strategic default is a pervasive problem in this market and that business relationship can significantly mitigate the consequences of the possibility of default.</p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> Mon, 20 Jul 2015 19:45:27 +0000 Anonymous 15271 at https://poverty-action.org Social Security Health Insurance for the Informal Sector in Nicaragua: A Randomized Evaluation https://poverty-action.org/publication/social-security-health-insurance-informal-sector-nicaragua-randomized-evaluation <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--title--rss.html.twig * field--node--rss--title--template-g-details-flex.html.twig * field--node--rss--title.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--title--template-g-details-flex.html.twig x field--node--title.html.twig * field--node--template-g-details-flex.html.twig * field--rss--title.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Social Security Health Insurance for the Informal Sector in Nicaragua: A Randomized Evaluation</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--uid--rss.html.twig * field--node--rss--uid--template-g-details-flex.html.twig * field--node--rss--uid.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--uid--template-g-details-flex.html.twig x field--node--uid.html.twig * field--node--template-g-details-flex.html.twig * field--rss--uid.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> <span lang="" about="/user/1" typeof="schema:Person" property="schema:name" datatype="">webmaster@push10.com</span> <!-- END OUTPUT from 'core/themes/classy/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--created--rss.html.twig * field--node--rss--created--template-g-details-flex.html.twig * field--node--rss--created.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--created--template-g-details-flex.html.twig x field--node--created.html.twig * field--node--template-g-details-flex.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field--rss--created.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Mon, 06/01/2015 - 03:12</span> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: x links--node.html.twig x links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/content/links--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-template-g-content-blocks--rss.html.twig * field--node--rss--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--rss--field-template-g-content-blocks.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks--template-g-details-flex.html.twig * field--node--field-template-g-content-blocks.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-template-g-content-blocks.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-template-g-content-blocks.html.twig * field--entity-reference-revisions.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-template-g-content-blocks field--type-entity-reference-revisions field--label-above"> <div class="field__label">Template G Content Blocks</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-editor--default.html.twig * paragraph--sub-cb30-editor.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-editor paragraph--view-mode--default"> <div class="cb-text"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-sub-editor--default.html.twig * field--paragraph--default--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--default--field-sub-editor.html.twig * field--paragraph--default--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor--sub-cb30-editor.html.twig * field--paragraph--field-sub-editor.html.twig * field--paragraph--sub-cb30-editor.html.twig * field--default--field-sub-editor.html.twig * field--default--sub-cb30-editor.html.twig * field--default.html.twig * field--field-sub-editor.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-sub-editor field--type-text-long field--label-above"> <div class="field__label">Sub Editor</div> <div class="field__item"><p>This article presents the results from an experimental evaluation of a voluntary health insurance program for informal sector workers in Nicaragua. Costs of the premiums as well as enrollment location were randomly allocated. Overall, take-up of the program was low, with only 20% enrollment. Program costs and streamlined bureaucratic procedures were important determinants of enrollment. Participation of local microfinance institutions had a slight negative effect on enrollment. One year later, those who received insurance substituted toward services at covered facilities and total out-of-pocket expenditures fell. However, total expenditures fell by less than the insurance premiums. We find no evidence of an increase in health-care utilization among the newly insured. We also find very low retention rates after the expiration of the subsidy, with less than 10% of enrollees still enrolled after one year. To shed light on the findings from the experimental results, we present qualitative evidence of institutional and contextual factors that limited the success of this program.</p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub_cb30_editor.html.twig' --> </div> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'paragraph' --> <!-- FILE NAME SUGGESTIONS: * paragraph--sub-cb30-date--default.html.twig x paragraph--sub-cb30-date.html.twig * paragraph--default.html.twig * paragraph.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> <div class="paragraph paragraph--type--sub-cb30-date paragraph--view-mode--default"> <div class="cb-date"> June 30, 2010 </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/paragraph/paragraph--sub-cb30-date.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-content-type--rss.html.twig * field--node--rss--field-details-content-type--template-g-details-flex.html.twig * field--node--rss--field-details-content-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-content-type--template-g-details-flex.html.twig * field--node--field-details-content-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-content-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-content-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-content-type field--type-entity-reference field--label-above"> <div class="field__label">Details Content Type</div> <div class="field__items"> <div class="field__item"><a href="/publications" hreflang="en">Publications</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-program-areas--rss.html.twig * field--node--rss--field-details-program-areas--template-g-details-flex.html.twig * field--node--rss--field-details-program-areas.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-program-areas--template-g-details-flex.html.twig * field--node--field-details-program-areas.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-program-areas.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-program-areas.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-program-areas field--type-entity-reference field--label-above"> <div class="field__label">Details Program Areas</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/176" hreflang="en">Health &amp; Nutrition</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-topics--rss.html.twig * field--node--rss--field-details-topics--template-g-details-flex.html.twig * field--node--rss--field-details-topics.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-topics--template-g-details-flex.html.twig * field--node--field-details-topics.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-topics.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-topics.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-topics field--type-entity-reference field--label-above"> <div class="field__label">Details Topics</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/1931" hreflang="en">Insurance</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-countries--rss.html.twig * field--node--rss--field-details-countries--template-g-details-flex.html.twig * field--node--rss--field-details-countries.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-countries--template-g-details-flex.html.twig * field--node--field-details-countries.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-countries.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-countries.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-countries field--type-entity-reference field--label-above"> <div class="field__label">Details Countries</div> <div class="field__items"> <div class="field__item"><a href="/taxonomy/term/88" hreflang="en">Nicaragua</a></div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-publication-type--rss.html.twig * field--node--rss--field-details-publication-type--template-g-details-flex.html.twig * field--node--rss--field-details-publication-type.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-publication-type--template-g-details-flex.html.twig * field--node--field-details-publication-type.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-publication-type.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-details-publication-type.html.twig * field--entity-reference.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-details-publication-type field--type-entity-reference field--label-above"> <div class="field__label">Details Publication Type</div> <div class="field__item"><a href="/taxonomy/term/6" hreflang="en">Published Paper</a></div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-details-author--rss.html.twig * field--node--rss--field-details-author--template-g-details-flex.html.twig * field--node--rss--field-details-author.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-details-author--template-g-details-flex.html.twig * field--node--field-details-author.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-details-author.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig x field--field-details-author.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-author.html.twig' --> <div class="field field--name-field-details-author field--type-entity-reference field--label-above"> <div class="field-items-wrapper"> <div class="ind"> <a href="/people/erica-field"> <div class="img" style="background-image: url('/sites/default/files/headshots/erica_field_0.jpg')"> </div> <div class="meta"> <div class="name notranslate"> Erica Field </div> <div class="title"> Duke University </div> </div> </a> </div> <div class="ind"> <a href="/people/rebecca-thornton"> <div class="meta"> <div class="name notranslate"> Rebecca Thornton </div> <div class="title"> Professor of Economics </div> </div> </a> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field--field-details-author.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-journal--rss.html.twig * field--node--rss--field-journal--template-g-details-flex.html.twig * field--node--rss--field-journal.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-journal--template-g-details-flex.html.twig * field--node--field-journal.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-journal.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-journal.html.twig x field--text.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text.html.twig' --> <div class="clearfix text-formatted field field--name-field-journal field--type-text field--label-above"> <div class="field__label">Journal</div> <div class="field__item"><p>Health Economics</p> </div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-file--rss.html.twig * field--node--rss--field-file--template-g-details-flex.html.twig * field--node--rss--field-file.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-file--template-g-details-flex.html.twig * field--node--field-file.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-file.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-file.html.twig * field--file.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <div class="field field--name-field-file field--type-file field--label-above"> <div class="field__label">File</div> <div class="field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'pdfpreview_formatter' --> <!-- BEGIN OUTPUT from 'themes/custom/ipa/templates/field/pdfpreview-formatter.html.twig' --> <div class="pdfpreview" id="pdfpreview-10096"> <div class="pdfpreview-image-wrapper"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> <a href="/sites/default/files/publications/Social%20Security%20Health%20Insurance%20for%20the%20Informal%20Sector%20in%20Nicaragua.pdf"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_style' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image-style.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <img class="pdfpreview-file image-style-large" src="/sites/default/files/styles/large/public/pdfpreview/10096-Social%20Security%20Health%20Insurance%20for%20the%20Informal%20Sector%20in%20Nicaragua.png?itok=FfWAFjC0" width="370" height="480" loading="lazy" typeof="foaf:Image" /> <!-- END OUTPUT from 'core/themes/classy/templates/field/image.html.twig' --> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-style.html.twig' --> </a> <!-- END OUTPUT from 'core/themes/classy/templates/field/image-formatter.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/pdfpreview-formatter.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/custom/ipa/templates/field/field.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--field-post-teaser-text--rss.html.twig * field--node--rss--field-post-teaser-text--template-g-details-flex.html.twig * field--node--rss--field-post-teaser-text.html.twig * field--node--rss--template-g-details-flex.html.twig * field--node--field-post-teaser-text--template-g-details-flex.html.twig * field--node--field-post-teaser-text.html.twig * field--node--template-g-details-flex.html.twig * field--rss--field-post-teaser-text.html.twig * field--rss--template-g-details-flex.html.twig * field--rss.html.twig * field--field-post-teaser-text.html.twig x field--text-long.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> <div class="clearfix text-formatted field field--name-field-post-teaser-text field--type-text-long field--label-above"> <div class="field__label">Post Teaser Text</div> <div class="field__item">This article presents the results from an experimental evaluation of a voluntary health insurance program for informal sector workers in Nicaragua.Costs of the premiums as well as enrollment location were randomly allocated.Overall, take-up of the program was low, with only 20% enrollment.Program costs and streamlined bureaucratic procedures were important determinants of enrollment.Participation of local microfinance institutions had a slight negative effect on enrollment.One year later, those who received insurance substituted toward services at covered facilities and total out-of-pocket expenditures fell.However, total expenditures fell by less than the insurance premiums.</div> </div> <!-- END OUTPUT from 'core/themes/classy/templates/field/field--text-long.html.twig' --> Mon, 01 Jun 2015 07:12:14 +0000 webmaster@push10.com 13176 at https://poverty-action.org