Informal lending and savings institutions exist around the world, and often include regular door-to-door deposit collection of cash. Some banks have adopted similar services in order to expand access to banking services in areas that lack physical branches. Using a randomized control trial, we investigate determinants of participation in a deposit collection service and evaluate the impact of o...

Climbing the Drug Staircase: A Bayesian Analysis of the Initiation of Hard Drug Use Empirical studies have found that cannabis commonly precedes consumption of drugs like amphetamine, ecstasy, cocaine and heroin. As a result a causal linkage between cannabis and subsequent hard drug use has been hypothesized. Despite mixed empirical evidence and a limited understanding of possible transmission ...

This policy paper summarizes four corridor studies on bilateral social security agreements (BSSAs) between four European Union (EU) member and two nonmember states, draws conclusions on their results, and offers recommendations. BSSAs between migrant-sending and migrant-receiving countries are seen as the most important instrument to establish portability of social security benefits for interna...

This study examined the achievement of organizational goals by deposit money banks following period banking sector reform. Annual time series data from industry and Nigerian economy for 1990 to 2020 were used implement a simplified version modified Pantula Principle (an improved cointegrating technique). Three sets reforms bank performance measures, including bank-specific, industry-specific, m...

During some recent financial crises, the majority of domestic banks or indeed the entire banking sector became insolvent. We have analyzed the welfare effects of policy responses to bank insolvency by examining a modified version of the Diamond-Rajan model, introducing a fiat currency. The sources of inefficiency in our model are the ”moral hazard in banking” and the “premature liquidation of b...

This paper examines regional differences in the effect of user fee removal in rural areas of Zambia on the use of health institutions for delivery. The analysis uses quarterly longitudinal data covering 2003q1-2008q4. When unobserved heterogeneity, spatial dependence and quantitative supply-side factors are incorporated in the Interrupted Time Series (ITS) design, user fee removal is found to i...

Reference-Dependent Preferences and Loss Aversion: A Discrete Choice Experiment in the Health-Care Sector A Discrete Choice Experiment (DCE) in the health-care sector is used to test the loss aversion theory that is derived from reference-dependent preferences: The absolute subjective value of a deviation from a reference point is generally greater when the deviation represents a loss than when...

Development of E-banking has modified the structure of banking business and banking performance, efficiency, risk and challenges which have also been articulately recognized based on the international best practices. E-banking brazenly expedites and streamlines financial transactions via enhancing technology and expanding the bank services in comparison with conventional banking. Accordingly, o...

High performing nursing teams deliver quality safe care that is valuable to a country. In order to successfully perform tasks, there needs to be a proper mix of team composition in terms of team knowledge and team skills. Also, the team must work in a good surrounding through a positive team context. Team context, in the form of team identification and team support, provides the necessary work ...