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Understanding ten years of stagnation in Costa Rica's drive for universal coverage
This study analyzes achievements and obstacles in the process of moving towards universal coverage of essential health care services in Costa Rica. It describes the country as exemplary in the region, both in terms of population health status as well as health financing indicators. Life expectancy and the level of pre-payment are both comparable to high income countries. However, the process that...
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Financing universal enrollment to social health insurance: lessons learned from Colombia
The paper discusses the financing of the health care reform implemented in Colombia since the early nineties and explains the obstacles faced on the way to universal enrollment to social health insurance. The paper describes the reform and the sources created for its financing. It presents the observed trends in the financing of the insurance schemes created by the reform, identifies the...
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An investigation into the cost of universal health coverage in Mexico
The Mexican social security system, after operating for over six decades, has managed to provide healthcare for slightly over half the resident population.
There are wide geographical and socioeconomic variations in coverage. To provide wider coverage, the Federal Government created the Sistema de Protección Social en Salud (SPSS) for covering low income family. It becomes the third...
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Financial development and the distribution of income in Latina America and the Caribbean
One of the central concerns in Latin America an the Caribbean (LAC) has been the reduction of poverty and inequality so prevalent in the continent. Using large world samples, the literature has found that financial development increases economic growth, increases the income of the poor, and reduces inequality. This paper studies the effects of financial development on the whole distribution of...
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Is age-grade distortion in Brazil's primary public education system more closely associated to school infrastructure or to family characteristics
Different economic studies have shown the importance of education in improving the quality of life of individuals. Thus, in the 90’s, the public education system was reformed to enhance the quality of public education in Brazil and motivate student interest. This paper participated in this discussion by suggesting an assessment of the impact that school infrastructure and family characteristics...
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Are loan guarantees effective? The case of mexican government banks
Mexican Government’s Banks offer loan guarantees to private banks in order to spur credit directed to non-financial small and medium sized firms and this policy is examined here. Application of representative data to the comparative static analysis of the guarantee-use decision suggests that these schemes, as currently designed, are justifiable from an economic viewpoint. However, there is some...
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Introduction of basic accounts in Mexico to address the issue of access to the banking system: design and expected impact
This article presents the Mexican experience with the introduction of basic transaction accounts. Basic accounts are relatively cheap simple banking products with restricted functionality targeted at social groups that have limited access to transaction accounts. In Mexico, basic payroll accounts and accounts for the general public were introduced. By law, these products must be offered by all...
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Assessing changes in household access to financial services in Mexico: an analysis of the BANSEFI/SAGARPA panel survey 2004-2007
In March 2004, BANSEFI and SAGARPA began a project to examine the impact on households I of the Program to Strengthen the Popular Credit and Savings Sector (Programa de Fortalecimiento del Sector de Ahorro y Crédito Popular), which was designed to help non-bank financial intermediaries to abide by the Ley de Ahorro y Crédito Popular (LACP), passed by the Mexican Congress in 2001. During the...
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Strategic map of financial inclusion: a working tool
Various circumstances make difficult the rigorous study of processes, strategies and impact of V the efforts of financial inclusion and penetration, either at the academie level, in the public policy area or in companies and organizations of financial services industry. The central problem in Mexico has been the lack of a unified agreement on the definition and the low comprehension level of the...
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Book review. The economics of microfinance, by Beatriz Armendáriz de Aghion and Jonathan Morduch
The book by Armendáriz and Morduch focuses on how microfinance institutions work, what has been their impact and whether they are financially sustainable. For such purpose the book can be divided—from my viewpoint—into six sections. The first describes the environment of imperfect information that surrounds credit transactions and the consequences that this entails. First the authors define in a...
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Toward closing the evaluation gap: lessons from three recent impact evaluations of social programs in Latin America and the Caribbean
Despite recent growing demand from funders and governments, rigorous impact evaluations in Latin America and the Caribbean remain the exception rather than the rule. Many commissioned impact evaluations are methodologically weak, and thus only marginally useful in assessing the impact of social interventions. Other impact evaluations feature strong research methodologies at their conception, but...
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Evaluating rural electrification projects: methodological approaches
In recent years, the international community has expanded efforts in program evaluation to improve the accountability of development projects. This paper presents approaches to implementing state of the art evaluations in rural electrification projects, taking into account specific challenges that researchers face in such interventions. II suggests an approach to assess impacts before an...
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PANES: targeting and impact
This research paper intends to quantifit targeting performance in terms of the efficiency of the 1 National Plan for Social Emergency Assistance (PANES) implemented in Uruguay between 2005 and 2007 and determine its impact on relevant issues such as school attendance, child labor and the labor market. For this analysis , we used 2006 and 2007 Continual Household Survey (ECH) data.
Our outcomes...
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Scale economies in the pension fund managers industry in Mexico: a semi parametric approach
It has been widely accepted that reforms on pension schemes have led to improvements in the financial viability of the systems. Nevertheless, at the same time it has been shown that fees charged by pension fund managers (PFM) are very high, implying high mark-ups for them and lower expected pensions for the participants. The presence of economies of scale has been suggested as one main reason for...
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Economic polarisation and gobernality in México
The purpose of this essay is to appraise alternative hypothesis about the origins of recent social revolt in Mexico. It shows that it is not clear that a severe rise in poverty preceded the origins of violent conflict but social polarisation. Therefore, government attempts to deactivate the economic factors that led to social unrest did not necessarily upgrade povertyreduction policies. The...
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Is international migration a substitute for social security
The focus on short-term macroeconomic factors, including unemployment and wages, is insufficient to explain international migration. Institutional factors, bound to change only in the long run, can potentially have a large impact on migration flows. To illustrate this, we analyze Mexico-U.S. migration focusing on social security coverage, an important indicator of job formality. Using...
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Institutional effects as determinants of leaning outcomes: exploring state variations in Mexico
We use the PISA 2003 student-level achievement database for Mexico to estimate state education production functions. Student characteristics, family background, home inputs, resources and institutions are controlled for. We take advantage of the state-level variation and representative sample to analyze the impact of institutional factors such as state accountability systems and the role of...
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The time pattern of remittances: evidence from mexican migrants
We explore the time pattern of remittances using data on return migrants from the Mexican Migration Project. Some of these return migrants have settled in the U.S. and are returning to Mexico to visit family and friends, whereas others are temporary migrants returning home after a working spell in the U.S. We find that the dollar amount remitted first increases with time spent in the U.S. to...
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Workers' remittances and currency crises
We seek to further understand the factors that determine per emigrant remittances using data from 23 Latin American and Caribbean countries over the 1980-2003 period. We find that emigrants avoid remitting when the exchange rate is under pressure. This finding is consistent with the notion that remitters strive to reduce their exposure to exchange rate losses by taking into account the expected...
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Informe sobre la seguridad social en América 2012: Justicia, trabajo, retiro y protección social
El principal objetivo del Informe 2012 es apoyar a un debate constructivo sobre cuestiones que se han convertido preeminentes en casi todos los países. ¿Cuál es la edad adecuada para la jubilación? ¿Cómo viven las personas alrededor de los 60 o 70 años? ¿Cómo trabajan? ¿Cuándo y por qué deciden retirarse? ¿Qué se puede hacer para equilibrar el trabajo y la edad de jubilación?
¿Cuáles son los...
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