Formal Savings & Informal Insurance in Villages: A Field Experiment on Indirect Effects of Financial Deepening on Safety Nets of the Ultra-Poor

This thesis exploits a unique micro dataset that uses a natural field experiment to identify indirect effects of formal savings access on de facto ineligibles residing in the same community. Despite widespread interest in microfinance as a poverty-reduction tool, the indirect effects on the very poor of expanding formal financial services remain largely unexplored. This study examines evidence from a large field experiment which helps fill this gap. It also contributes to an important emerging literature on the indirect impacts of policy interventions in developing countries, often (incompletely) evaluated solely on the basis of how they impact participants and beneficiaries. In developing regions, households vulnerable to extreme poverty often benefit from long-standing local safety nets based on cash gifts and other transfers from relatives and friends, which help them smooth consumption across food-deficits and household shocks. To date, little is known about how these pre-existing practices are affected as community members begin adopting newly available formal financial services, and there remains much unexplored in the interaction of formal financial markets with informal safety nets. This paper addresses that gap by examining how formal savings expansion affects inter-household wealth transfers, with a particular emphasis on receipts by the most vulnerable. Using a rich panel dataset from Central Malawi that includes over 2,000 households, I find that experimentally boosting local savings uptake in rural areas leads to a strong positive effect on assistance receipts by non service-users during peak periods of hunger. The difference is strongest among the most vulnerable households. That is, the entrance of formal savings appears to complement local informal support systems for the highly vulnerable through an indirect mechanism, channeling greater wealth to such households during periods of food-deficits. The positive impacts of formal savings expansion on non service-users suggests that formal savings may have substantially greater benefits than would be suggested by focusing exclusively on the impacts experienced by the service-users themselves

Increasing Workplace Diversity: Evidence from a Recruiting Experiment at a Fortune 500 Company

While many firms have set ambitious goals to increase diversity in their ranks, there is a dearth of empirical evidence on effective ways to reach them. We use a natural field experiment to test several hypotheses on effective meansto attract minority candidates for top professional careers. By randomly varying the content in recruiting materials of a major financial services corporation with more than 10,000 employees, we find that signaling explicit interest in employee diversity more than doubles the interest in openings among racial minority candidates, as well as the likelihood that they apply and are selected. Impacts on gender diversity are less sharp and generally not significan

How social structure shapes female competition throughout her lifetime

Many studies find a consistent gender gap in competitiveness where men are more likely to compete than women given the same level of ability. Using data from experiments with women ages 12 through 90 in matrilocal and patrilocal communities in rural Malawi, we show that this gender gap does not exist uniformly for all women nor across their whole lifetime. We first replicate three main findings from the gender and competition literature: (i) women are less likely to compete on average; and the gender gap differs by (ii) culture and by (iii) age. In a new finding, we show that the gender gap changes in a theoretically-predicted manner with motherhood status. We argue that these results, when combined, point to an overarching theory of gender and competition–one that is driven by environmental constraints that vary with age, fertility, and social structure. © 202

Do Competitive Work Places Deter Female Workers? A Large-Scale Natural Field Experiment on Gender Differences in Job-Entry Decisions

Recently an important line of research using laboratory experiments has provided a new potential reason for why we observe gender imbalances in labor markets: men are more competitively inclined than women. Whether, and to what extent, such preferences yield differences in naturally-occurring labor market outcomes remains an open issue. We address this question by exploring job-entry decisions in a natural field experiment where we randomized nearly 7,000 interested job-seekers into different compensation regimes. By varying the role that individual competition plays in setting the wage, we are able to explore whether competition, by itself, can cause differential job entry. The data highlight the power of the compensation regime in that women disproportionately shy away from competitive work settings. Yet, there are important factors that attenuate the gender differences, including whether the job is performed in teams, whether the job task is female-oriented, and the local labor market.

Psychosocial Aspects of Physical Activity and Fitness In Special-Population, Minority Middle School Children

Special-population research predicting physical activity (PA) and fitness with minority middle school children from at-risk environments is rare. Hence, the purpose of our investigation was to evaluate the ability of important social cognitive and environment-based measures to predict PA and fitness with children with developmental delay, cognitive, and emotional impairments. Children (N = 89, ages 11-15) completed questionnaires assessing social cognitive and environment-based constructs, self report PA, and completed fitness testing. Correlational results supported some hypotheses. The descriptive and correlational results also indicated commonalities with similar research on non special-population minority middle school children from at-risk environments

Optimal Replacement of Continuously Degrading Systems in Partially Observed Environments

Abstract Motivated by wind energy applications, we consider the problem of optimally replacing a stochastically degrading component that resides and operates in a partially observable environment. The component's rate of degradation is modulated by the stochastic environment process, and the component fails when its accumulated degradation first reaches a fixed threshold. Assuming periodic inspection of the component, the objective is to minimize the long-run average cost per unit time of performing preventive and reactive replacements for two distinct cases. The first case examines instantaneous replacements and fixed costs, while the second considers time-consuming replacements and revenue losses accrued during periods of unavailability. Formulated and solved are mixed state space, partially observable Markov decision process (POMDP) models, both of which reveal the optimality of environment-dependent threshold policies with respect to the component's cumulative degradation level. Additionally, it is shown that for each degradation value, a threshold policy with respect to the environment belief state is optimal if the environment alternates between two states. The threshold policies are illustrated by way of numerical examples using both synthetic and real wind turbine data

Observational cohort study of the safety of digoxin use in women with heart failure

Objectives: This study aims to assess whether digoxin has a different effect on mortality risk for women than it does for men in patients with heart failure (HF). Design This study uses the UK-based The Health Information Network population database in a cohort study of the impact of digoxin exposure on mortality for men and women who carry the diagnosis of HF. Digoxin exposure was assessed based on prescribing data. Multivariable Cox proportional hazards models were used to assess whether there was an interaction between sex and digoxin affecting mortality hazard. Setting The setting was primary care outpatient practices. Participants The study cohort consisted of 17 707 men and 19 227 women with the diagnosis of HF who contributed only time without digoxin exposure and 9487 men and 10 808 women with the diagnosis of HF who contributed time with digoxin exposure. Main outcome measures The main outcome measure was all-cause mortality. Results: The primary outcome of this study was the absence of a large interaction between digoxin use and sex affecting mortality. For men, digoxin use was associated with a HR for mortality of 1.00, while for women, the HR was also 1.00 (p value for interaction 0.65). The results of sensitivity analyses were consistent with those of the primary analysis. Conclusion: Observational data do not support the concern that there is a substantial increased risk of mortality due to the use of digoxin in women. This finding is consistent with previous observational studies but discordant with results from a post hoc analysis of a randomised controlled trial of digoxin versus placebo

Perigenual anterior cingulate morphology covaries with perceived social standing

Low socioeconomic status (SES) increases the risk for developing psychiatric and chronic medical disorders. A stress-related pathway by which low SES may affect mental and physical health is through the perception of holding a low social standing, termed low subjective social status. This proposal implicates overlapping brain regions mediating stress reactivity and socioemotional behaviors as neuroanatomical substrates that could plausibly link subjective social status to health-related outcomes. In a test of this proposal, we used a computational structural neuroimaging method (voxel-based morphometry) in a healthy community sample to examine the relationships between reports of subjective social status and regional gray matter volume. Results showed that after accounting for potential demographic confounds, subclinical depressive symptoms, dispositional forms of negative emotionality and conventional indicators of SES, self-reports of low subjective social status uniquely covaried with reduced gray matter volume in the perigenual area of the anterior cingulate cortex (pACC)—a brain region involved in experiencing emotions and regulating behavioral and physiological reactivity to psychosocial stress. The pACC may represent a neuroanatomical substrate by which perceived social standing relates to mental and physical health

Analysis of the Saccharomyces cerevisiae proteome with PeptideAtlas

We present the Saccharomyces cerevisiae PeptideAtlas composed from 47 diverse experiments and 4.9 million tandem mass spectra. The observed peptides align to 61% of Saccharomyces Genome Database (SGD) open reading frames (ORFs), 49% of the uncharacterized SGD ORFs, 54% of S. cerevisiae ORFs with a Gene Ontology annotation of 'molecular function unknown', and 76% of ORFs with Gene names. We highlight the use of this resource for data mining, construction of high quality lists for targeted proteomics, validation of proteins, and software development

Identifying invasive species threats, pathways, and impacts to improve biosecurity

Managing invasive species with prevention and early-detection strategies can avert severe ecological and economic impacts. Horizon scanning, an evidence-based process combining risk screening and consensus building to identify threats, has become a valuable tool for prioritizing invasive species management and prevention. We assembled a working group of experts from academic, government, and nonprofit agencies and organizations, and conducted a multi-taxa horizon scan for Florida, USA, the first of its kind in North America. Our primary objectives were to identify high-risk species and their introduction pathways, to detail the magnitude and mechanism of potential impacts, and, more broadly, to demonstrate the utility of horizon scanning. As a means to facilitate future horizon scans, we document the process used to generate the list of taxa for screening. We evaluated 460 taxa for their potential to arrive, establish, and cause negative ecological and socioeconomic impacts, and identified 40 potential invaders, including alewife, zebra mussel, crab-eating macaque, and red swamp crayfish. Vertebrates and aquatic invertebrates posed the greatest invasion threat, over half of the high-risk taxa were omnivores, and there was high confidence in the scoring of high-risk taxa. Common arrival pathways were ballast water, biofouling of vessels, and escape from the pet/aquarium/horticulture trade. Competition, predation, and damage to agriculture/forestry/aquaculture were common impact mechanisms. We recommend full risk analysis for the high-risk taxa; increased surveillance at Florida's ports, state borders, and high-risk pathways; and periodic review and revision of the list. Few horizon scans detail the comprehensive methodology (including list-building), certainty estimates for all scoring categories and the final score, detailed pathways, and the magnitude and mechanism of impact. Providing this information can further inform prevention efforts and can be efficiently replicated in other regions. Moreover, harmonizing methodology can facilitate data sharing and enhance interpretation of results for stakeholders and the general public.</p