The IZA Discussion Paper Series (ISSN: 2365-9793) disseminates high-quality research by IZA network members to the scientific community and the interested public worldwide before they are later published in academic journals. Comprising more than 17,000 papers, IZA's publication flagship is the most influential working paper series in labor economics.

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138 IZA Discussion Papers
IZA Discussion Paper No. 17730
(Mis)Pricing in Loans to Businesses Owned by People of Color
William D. Bradford, Chunbei Wang, Magnus Lofstrom, Michael Verchot
IZA Discussion Paper No. 17582
How Credit Constrained Are Family-Owned SMEs in Arab Countries?
Grakolet Gourene, Zuzana Brixiova Schwidrowski, Jiří Balcar, Lenka Johnson Filipova
forthcoming in: Emerging Markets Review, 2025
IZA Discussion Paper No. 17555
Diffusion in Social Networks: Experimental Evidence on Information Sharing vs Persuasion
Marcel Fafchamps, Asadul Islam, Debayan Pakrashi, Denni Tommasi
IZA Discussion Paper No. 17406
Mutual Insurance in the Village and Beyond
Clive Bell, Hans Gersbach, Hans Haller
IZA Discussion Paper No. 17405
Do Women Pay for Working from Home? Exploring Gender Gaps in Pay and Wellbeing by Work Location in the UK Cohort Studies
Bożena Wielgoszewska, Alex Bryson, Heather Joshi, David Wilkinson
IZA Discussion Paper No. 17404
Does Restricting Access to Credit Affect Learning Outcomes? Evidence from a Regulatory Shock to Microfinance in India
Muneer Kalliyil, Soham Sahoo
IZA Discussion Paper No. 17094
Comprehensive Assessment of the Impact of Mandatory Community-Based Health Insurance in Burkina Faso
Delphine Boutin, Laurene Petifour, Yvonne Allard, Souleymane Kontoubré, Valéry Ridde
published in: Social Science & Medicine, 2025, 371, 117870
IZA Discussion Paper No. 17021
To Improve Is to Change? The Effects of Risk Rating 2.0 on Flood Insurance Demand
Francesc Ortega, Ivan Petkov
IZA Discussion Paper No. 16922
Flood Risk and Insurance Take-up in the Flood Zone and Its Periphery
Ivan Petkov, Francesc Ortega
published online as 'Learning from experience: Flooding and insurance take-up in the flood zone and its periphery' in: Journal of Risk and Insurance, 04 March 2025
IZA Discussion Paper No. 16854
Trend in Energy Intensity and Carbon Performance in North Africa
Grakolet Gourene, Samia Mansour Hamouda, Zuzana Brixiova Schwidrowski
published in: M. Arouri and M. Gomes (eds.), Handbook on Energy and Economic Growth, Edward Elgar Publishing, 2024
IZA Discussion Paper No. 16679
Access to Digital Finance: Equity Crowdfunding across Countries and Platforms
Saul Estrin, Susanna Khavul, Alexander S. Kritikos, Jonas Löher
published in: PLoS ONE, 2024, 19 (1), e0293292.
IZA Discussion Paper No. 16303
The Interplay among Savings Accounts and Network-Based Financial Arrangements: Evidence from a Field Experiment
Margherita Comola, Silvia Prina
published in: Economic Journal, 2023, 133 (649), 516 - 535
IZA Discussion Paper No. 16105
A Tale of Two Bankruptcies: Geographic Differences in Bankruptcy Chapter Choice
Nathaniel Pattison, Daniel L. Millimet
IZA Discussion Paper No. 16101
Is Mobile Money Changing Rural Africa? Evidence from a Field Experiment
Catia Batista, Pedro C. Vicente
published online in: Review of Economics and Statistics, 29 May 2023
IZA Discussion Paper No. 15579
Privatizing Disability Insurance
Arthur Seibold, Sebastian Seitz, Sebastian Siegloch
IZA Discussion Paper No. 15458
Help in a Foreign Land: Internationalized Banks and Firms’ Export
Emanuele Brancati
IZA Discussion Paper No. 15446
Till Debt Do Us Part: Strategic Divorces and a Test of Moral Hazard
Yeorim Kim, Mauro Mastrogiacomo, Stefan Hochguertel, Hans Bloemen
IZA Discussion Paper No. 15392
How Do Insurers Price Medical Malpractice Insurance?
Bernard Black, Jeffrey Traczynski, Victoria Udalova
IZA Discussion Paper No. 15383
On the Optimal Size of a Joint Savings Association
Oded Stark, Wiktor Budzinski, Marcin Jakubek, Grzegorz Kosiorowski
published in: Journal of Comparative Economics, 2022, 50 (3), 804 - 814
IZA Discussion Paper No. 15337
'Since You're So Rich, You Must Be Really Smart': Talent, Rent Sharing, and the Finance Wage Premium
Michael Johannes Böhm, Daniel Metzger, Per Strömberg
published in: Review of Economic Studies, 2023, 90 (5), 2215–2260,
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