This document summarizes a study that aims to test interventions to increase financial inclusion and savings among poor households in Mexico. The study will conduct a randomized controlled trial with three groups: a control group, a treatment group that receives a designated savings account for emergencies, and a treatment group that receives the same account with 10% of cash transfers automatically deposited each month. The goal is to measure the impact of these interventions on formal savings, overall household savings, ability to cope with shocks, and investment. The results could help design better policies around the delivery of cash transfer programs to increase financial inclusion and savings.
Webinar: Understand how Universal Credit affects Council Tax Reduction SchemesPolicy in Practice
Universal Credit full service will change the amount of Council Tax Support households receive and how much this will cost the council.
To best support all households, councils need to know the full impact that Universal Credit full service will have in their area. This crucial information lets councils consider scheme change to support the most vulnerable households.
In this webinar, we explain the detail of how Universal Credit affects the Council Tax Support that households receive and the cost to the council. We offer some rules of thumb on typical winners or losers, and suggest who may need support.
View the webinar slides to learn:
- how to model the impact of Universal Credit in your CTR scheme
- why changing your CTR scheme for Universal Credit roll out is important
- how certain groups of households will be affected
- the impact on council spending
- what you can do to protect vulnerable groups
With guest speaker Jenny Hoare, Wolverhampton City Council.
For more information please visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242
Deven Ghelani, Director and founder of Policy in Practice, was invited to speak at the Neath Port Talbot Poverty Symposium on the topic of the impact of welfare reform on personal debt and financial resilience.
In his session Deven talked about the general impact of welfare policies on our living standards and how Neath Port Talbot Council is using their own household level data to identify vulnerability, target support and track change. Deven then shared Policy in Practice's new research on transitioning to Universal Credit.
For further information visit www.policyinpractice.co.uk, call 0330 088 9242 or email hello@policyinpractice.co.uk
The dynamics of social assistance benefit receiptOECD
Comparative evidence on the receipt of minimum-income benefits discussion of empirical assessment of state dependence / "scarring effects" in benefit receipt
Webinar: Understand how Universal Credit affects Council Tax Reduction SchemesPolicy in Practice
Universal Credit full service will change the amount of Council Tax Support households receive and how much this will cost the council.
To best support all households, councils need to know the full impact that Universal Credit full service will have in their area. This crucial information lets councils consider scheme change to support the most vulnerable households.
In this webinar, we explain the detail of how Universal Credit affects the Council Tax Support that households receive and the cost to the council. We offer some rules of thumb on typical winners or losers, and suggest who may need support.
View the webinar slides to learn:
- how to model the impact of Universal Credit in your CTR scheme
- why changing your CTR scheme for Universal Credit roll out is important
- how certain groups of households will be affected
- the impact on council spending
- what you can do to protect vulnerable groups
With guest speaker Jenny Hoare, Wolverhampton City Council.
For more information please visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242
Deven Ghelani, Director and founder of Policy in Practice, was invited to speak at the Neath Port Talbot Poverty Symposium on the topic of the impact of welfare reform on personal debt and financial resilience.
In his session Deven talked about the general impact of welfare policies on our living standards and how Neath Port Talbot Council is using their own household level data to identify vulnerability, target support and track change. Deven then shared Policy in Practice's new research on transitioning to Universal Credit.
For further information visit www.policyinpractice.co.uk, call 0330 088 9242 or email hello@policyinpractice.co.uk
The dynamics of social assistance benefit receiptOECD
Comparative evidence on the receipt of minimum-income benefits discussion of empirical assessment of state dependence / "scarring effects" in benefit receipt
Westminster Insight: Delivering Universal Credit full service Policy in Practice
Deven Ghelani, Founder and Director, Policy in Practice, was invited to speak at Westminster Insight's Welfare Reform Conference on the subject of Universal Credit full service roll out.
In his talk he covered Universal Universal Credit rollout to date and looked forward to managed migration. Giving practical examples and tips, Deven referenced the House of Commons Library tool as well as Policy in Practice's LIFT Dashboard which is helping a number of local authorities to understand which households will struggle with Universal Credit. He gave examples of how other local authorities use this data to identify, target and track vulnerability.
For more information contact hello@policyinpractice.co.uk or visit www.policyinpractice.co.uk
How can the financial system serve a green and inclusive economy?IIED
In May 2014, Nick Robins, co-director of the United Nations Environment Programme (UNEP) Inquiry into the Design of a Sustainable Financial System, discussed "How can the financial system serve a green and inclusive economy?" in a Critical Theme seminar hosted by IIED.
In the seminar, Robins outlined the rationale behind UNEP's new Inquiry into the Design of a Sustainable Financial System, which has been tasked to deliver policy recommendations in 2015 that could help underpin the implementation of the new Sustainable Development Goals and the Paris climate agreement.
More details: http://www.iied.org/economics.
DFA Federal Deposit Insurance Reform - Dr. Scott HeinStephanie Bohn
Dr. Scott Hein, Professor of Finance and faculty director of the Texas Tech School of Banking, presented his research at the fourth annual Federal Reserve System/ Conference of State Bank Supervisors Community Banking in the 21st Century Research and Policy Conference at the Federal Reserve Bank of St. Louis.
Pension vs 401(k) study by the National Institute on Retirement SecurityReboot Illinois
Case Studies of State Pension Plans that Switched to Defined Contribution Plans, by the National Institute on Retirement Security, presents summaries of changes in three states – Alaska, Michigan, and West Virginia – that made the switch from a DB pension to DC accounts. The case studies examine key issues that impact pension plans, including demographic changes, the cost of providing benefits, actuarially required contributions (ARC), plan funding levels and retirement security for employees.
Webinar: How to future proof your Council Tax Reduction Scheme for Universal ...Policy in Practice
As Universal Credit is implemented, it's crunch time for local authorities. Now is the time to make bold changes to council tax support schemes so the most vulnerable people are protected from poverty, whatever Universal Credit means for them. Yet knowing who those people are is a huge challenge.
Policy in Practice has worked with 22 councils to model options for Council Tax Reduction Schemes, taking into account the impact of Universal Credit on households. These detailed, evidence based assessments are used by officers and members to make informed policy decisions, as well as hold consultations with stakeholders.
View these slides to learn:
- how to model the impact of Universal Credit in your CTR scheme
- what common scheme options other councils consider
- how local priorities can be supported within budget
- why it's important to change your CTR scheme in the lead up to Universal Credit roll out
For more information please contact hello@policyinpractice.co.uk or call 0330 088 9242
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
Westminster Insight: Delivering Universal Credit full service Policy in Practice
Deven Ghelani, Founder and Director, Policy in Practice, was invited to speak at Westminster Insight's Welfare Reform Conference on the subject of Universal Credit full service roll out.
In his talk he covered Universal Universal Credit rollout to date and looked forward to managed migration. Giving practical examples and tips, Deven referenced the House of Commons Library tool as well as Policy in Practice's LIFT Dashboard which is helping a number of local authorities to understand which households will struggle with Universal Credit. He gave examples of how other local authorities use this data to identify, target and track vulnerability.
For more information contact hello@policyinpractice.co.uk or visit www.policyinpractice.co.uk
How can the financial system serve a green and inclusive economy?IIED
In May 2014, Nick Robins, co-director of the United Nations Environment Programme (UNEP) Inquiry into the Design of a Sustainable Financial System, discussed "How can the financial system serve a green and inclusive economy?" in a Critical Theme seminar hosted by IIED.
In the seminar, Robins outlined the rationale behind UNEP's new Inquiry into the Design of a Sustainable Financial System, which has been tasked to deliver policy recommendations in 2015 that could help underpin the implementation of the new Sustainable Development Goals and the Paris climate agreement.
More details: http://www.iied.org/economics.
DFA Federal Deposit Insurance Reform - Dr. Scott HeinStephanie Bohn
Dr. Scott Hein, Professor of Finance and faculty director of the Texas Tech School of Banking, presented his research at the fourth annual Federal Reserve System/ Conference of State Bank Supervisors Community Banking in the 21st Century Research and Policy Conference at the Federal Reserve Bank of St. Louis.
Pension vs 401(k) study by the National Institute on Retirement SecurityReboot Illinois
Case Studies of State Pension Plans that Switched to Defined Contribution Plans, by the National Institute on Retirement Security, presents summaries of changes in three states – Alaska, Michigan, and West Virginia – that made the switch from a DB pension to DC accounts. The case studies examine key issues that impact pension plans, including demographic changes, the cost of providing benefits, actuarially required contributions (ARC), plan funding levels and retirement security for employees.
Webinar: How to future proof your Council Tax Reduction Scheme for Universal ...Policy in Practice
As Universal Credit is implemented, it's crunch time for local authorities. Now is the time to make bold changes to council tax support schemes so the most vulnerable people are protected from poverty, whatever Universal Credit means for them. Yet knowing who those people are is a huge challenge.
Policy in Practice has worked with 22 councils to model options for Council Tax Reduction Schemes, taking into account the impact of Universal Credit on households. These detailed, evidence based assessments are used by officers and members to make informed policy decisions, as well as hold consultations with stakeholders.
View these slides to learn:
- how to model the impact of Universal Credit in your CTR scheme
- what common scheme options other councils consider
- how local priorities can be supported within budget
- why it's important to change your CTR scheme in the lead up to Universal Credit roll out
For more information please contact hello@policyinpractice.co.uk or call 0330 088 9242
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
Marcelo Bérgolo & Estefanía Galván: Social assistance, labor market intra-hou...UNDP Policy Centre
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
Gary Mena: Intended and unintended effects of unconditional cashUNDP Policy Centre
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
Javier Escobal & Carmen Ponce: Combining social protection with economic oppo...UNDP Policy Centre
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
Margarita Beneke & Amy Angel: Conditional cash transfers and rural developmen...UNDP Policy Centre
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
Ursula aldana the impact of sierra sur for juntos beneficiariesUNDP Policy Centre
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
Claudia Martínez: Evaluating the impact of delivering cctsUNDP Policy Centre
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
Jorge maldonado what we have learnt about articulating social protection and ...UNDP Policy Centre
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
S. martínez restrepo - j. c. mejía - e. enríquez extreme poverty, displacemen...UNDP Policy Centre
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
Ursula aldana durán tania vásquez luque el impacto del proyecto sierra sur ...UNDP Policy Centre
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
Alberto chong martín valdivia mini-novelas y promoción del microahorro en e...UNDP Policy Centre
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
Matthew bird the ultra poor graduation project at fundación capitalUNDP Policy Centre
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
Leonardo Gasparini & Santiago Garganta: Social protection andUNDP Policy Centre
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
Ingrid Woolard: Social protection and labour market outcomes of youth in sout...UNDP Policy Centre
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
Benjamin Davis: The impact of social cash transfers on labour market outcomes...UNDP Policy Centre
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
César del pozo conditional cash transfer and rural development in latin americaUNDP Policy Centre
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
Compliatric webinar series 5 enrollment best practices to decrease uninsured ...Compliatric
Join us for a discussion on tools and tips to convert more uninsured patients to covered visits. FQHC enrollment experts will share their insights and strategies on how to maximize approvals with limited resources. This data-driven webinar will include industry statistics and real FQHC outcomes for benchmarking.
Learning Objectives:
- Identify enrollment best practices
- Build strategies for increasing approval rates
- Learn how to collect and interpret enrollment data
- Directly connect your O&E staff to Clinic revenues
Join us for a discussion on tools and tips to convert more uninsured patients to covered visits. FQHC enrollment experts will share their insights and strategies on how to maximize approvals with limited resources. This data-driven webinar will include industry statistics and real FQHC outcomes for benchmarking.
Learning Objectives:
- Identify enrollment best practices
- Build strategies for increasing approval rates
- Learn how to collect and interpret enrollment data
- Directly connect your O&E staff to Clinic revenues
Because everyone matters.
IBM Health and Social Programs Summit October 2014
Read the Health and Social Programs presentations by:
Tiago Cordeiro Oliveira
Business and Customer Manager
Bolsa Familia
Caixa
Tim Burch
Director
Department of Social Services
Clark County, Nevada
Ambrogina Canobbio
IT Projects Manager
Human Resource Administration
NYC Access
Local authorities are transforming the lives of low-income families with administrative data. Councils are using this data in ever more exciting and innovative ways to target support to their communities and prevent instances of hardship.
In this webinar we showcase how public sector administrative data is being used for good. You will hear how our guest speakers Margaret Gallagher, Linda Morris and Emilio Innocenti, Haringey Council, used our LIFT Dashboard to run targeted intervention campaigns to encourage take-up of backdated Pension Credit claims.
View these slides to learn:
- How potentially eligible mixed-age couples were identified
- What communication methods we use to offer support
- What outcomes were achieved
To find out more visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242
2022 and Beyond: Navigating the Road Ahead in Healthcare: Don’t Worry, It Won...Health Catalyst
With 2021 coming to a close, it’s time to get ready for 2022. Join Stephen Grossbart, PhD, and Bobbi Brown, MBA, as they tackle the challenges of what’s next for healthcare in the new year and why data and analytics are foundational to your success. Dr. Grossbart and Bobbi will review the trends and policies most impactful to the industry and offer actionable, long-range insights to help organizations navigate successfully from 2022 to 2030.
Major topics include the following:
• Health equity.
• Care delivery.
• Patient safety.
• Ongoing impact of COVID-19.
• Staffing challenges.
• Payment and payers.
At IRRV Scotland Conference 2018 in Crieff Deven Ghelani, Founder and Director of Policy in Practice, was invited to speak about analysis and policy updates on Universal Credit.
In his presentation Deven talked about the Social Security Act in Scotland and Universal Credit, covering how different demographic groups are likely to be impacted. He highlighted analysis that Scottish local authorities can do with the household level data they collect on their local income households and gave examples of how other local authorities use this data to identify, target and track vulnerability.
For further details please contact hello@policyinpractice.co.uk or visit www.policyinpractice.co.uk.
Matthew Bird: The ultra poor graduation project at fundación capitalUNDP Policy Centre
This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.
"Pursuing retail banking with social responsibility" by Sarinee Achavanuntakul. Presented at Sustainable Banking Conference, Bangkok, Thailand, 23 July 2018
View the slides from our webinar: 2018: A policy review of the year. We were joined by guest speakers Deven Ghelani and Paul Howarth, Policy in Practice.
We reviewed the social policy analysis we delivered for clients in 2018 and recapped on key findings we uncovered. We also discussed what this means for local organisations in 2019.
Find out what we learnt about:
Homelessness and housing
Changing living standards of low income households
Universal Credit's impact on people
Universal Credit's impact on frontline organisations
For more information please visit www.policyinpractice.co.uk, call 0330 088 9242 or email hello@policyinpractice.co.uk.
Similar to Carlos Chiapa & Silvia Prina: Impact evaluation of oportunidades and productive inclusion (20)
"Direitos e garantias no bojo da Constituição da República e do Código Flores...UNDP Policy Centre
Palestra intitulada "Direitos e garantias no bojo da Constituição da República e do Código Florestal", apresentada pela Dra. Sandra Cureau, Subprocuradora-Geral da República, do Ministério Público Federal, no dia 15 de maio de 2019, durante o "Seminário Internacional Oportunidades de Negócios para uma Economia Rural Sustentável: a contribuição das florestas e da agricultura", realizado nos dias 14 e 15 de maio, em Brasília.
Apresentação intitulada "Adaptação à Mudança do Clima na Agricultura", proferida por Giampaolo Queiroz Pellegrino, Pesquisador da Embrapa, no Seminário Internacional Oportunidades de Negócios para uma Economia Rural Sustentável: A Contribuição das Florestas e da Agricultura, realizado nos dias 14 e 15 de maio de 2019.
"Valoração Espacialmente Explícita dos Serviços Ecossistêmicos da Floresta Am...UNDP Policy Centre
Apresentação intitulada "Valoração Espacialmente Explícita dos Serviços Ecossistêmicos da Floresta Amazônica Brasileira" (em inglês), proferida por Jon Strand, Consultor do Grupo Banco Mundial, no Seminário Internacional Oportunidades de Negócios para uma Economia Rural Sustentável: A Contribuição das Florestas e da Agricultura, realizado nos dias 14 e 15 de maio de 2019.
"Quantificando localmente os Benefícios Providos pela Vegetação Nativa ao Set...UNDP Policy Centre
Apresentação intitulada "Quantificando localmente os Benefícios Providos pela Vegetação Nativa ao Setor Agrícola no Brasil" (em inglês), proferida em inglês por Avery Cohn, Professor da Universidade Tufts;, no Seminário Internacional Oportunidades de Negócios para uma Economia Rural Sustentável: A Contribuição das Florestas e da Agricultura, realizado nos dias 14 e 15 de maio de 2019.
Apresentação intitulada "Crédito Rural no Brasil", proferida por Francisco Erismá, Coordenador-Geral de Crédito Rural e Normas, da Secretaria de Política Econômica, do Ministério da Economia, no Seminário Internacional Oportunidades de Negócios para uma Economia Rural Sustentável: A Contribuição das Florestas e da Agricultura, realizado nos dias 14 e 15 de maio de 2019.
Apresentação intitulada "Desafios do Setor Bancário", proferida por Camila Yamahaki, Pesquisadora Sênior do Programa de Finanças Sustentáveis do Centro de Estudos em Sustentabilidade, da Fundação Getúlio Vargas, no Seminário Internacional Oportunidades de Negócios para uma Economia Rural Sustentável: A Contribuição das Florestas e da Agricultura, realizado nos dias 14 e 15 de maio de 2019.
Apresentação intitulada "Programa ABC - Agricultura de Baixo Carbono", por Leila Harfuch, Sócia-gerente da Agroicone, no Seminário Internacional Oportunidades de Negócios para uma Economia Rural Sustentável: A Contribuição das Florestas e da Agricultura, realizado nos dias 14 e 15 de maio de 2019.
Apresentação intitulada "Crédito e seguro rural", proferida por Priscila Souza, Analista Sênior da Climate Policy Inititative Brasil , no Seminário Internacional Oportunidades de Negócios para uma Economia Rural Sustentável: A Contribuição das Florestas e da Agricultura, realizado nos dias 14 e 15 de maio de 2019.
"Restauração de Pastagens Degradadas e Sistemas de Integração Lavoura-Pecuári...UNDP Policy Centre
Apresentação intitulada "Restauração de Pastagens Degradadas e Sistemas de Integração Lavoura-Pecuária-Floresta (iLPF)", por Luiz Adriano Maia Cordeiro, Pesquisador da Empresa Brasileira de Pesquisa Agropecuária (EMBRAPA) , no Seminário Internacional Oportunidades de Negócios para uma Economia Rural Sustentável:A Contribuição das Florestas e da Agricultura, realizado nos dias 14 e 15 de maio de 2019.
"Custo de restauração florestal no Brasil e o cumprimento do Código Florestal"UNDP Policy Centre
Apresentação intitulada "Custo de restauração florestal no Brasil e o cumprimento do Código Florestal", por Felipe Lenti, Pesquisador do Instituto de Pesquisa da Amazônia (IPAM), no Seminário Internacional Oportunidades de Negócios para uma Economia Rural Sustentável:A Contribuição das Florestas e da Agricultura, realizado nos dias 14 e 15 de maio de 2019.
"Acordo de Paris e as NDCs: Percepções do modelo GLOBIOM-Brasil"UNDP Policy Centre
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Apresentação intitulada "O Mercado de Cotas de Reservas Ambientais (CRAs), proferida por Beto Mesquita, Diretor de Políticas e Relações Institucionais da BVRio., no Seminário Internacional Oportunidades de Negócios para uma Economia Rural Sustentável:A Contribuição das Florestas e da Agricultura, realizado nos dias 14 e 15 de maio de 2019.
Apresentação intitulada "Decifrando o Código Florestal Brasileiro", proferida por Raoni Guerra Lucas Rajão, Professor e Pesquisador da Universidade Federal de Minas Gerais (UFMG), no Seminário Internacional Oportunidades de Negócios para uma Economia Rural Sustentável:A Contribuição das Florestas e da Agricultura, realizado nos dias 14 e 15 de maio de 2019.
"O Código Florestal de 2012: marcos institucional e jurídico"UNDP Policy Centre
Apresentação intitulada "O Código Florestal de 2012: marcos institucional e jurídico", proferida por Joana Chiavari, Analista Sênior da Climate Policy Initiative (CPI) Brasil, no Seminário Internacional Oportunidades de Negócios para uma Economia Rural Sustentável:A Contribuição das Florestas e da Agricultura, realizado nos dias 14 e 15 de maio de 2019.
Apresentação intitulada "O Programa de Investimento Florestal (FIP), proferida por Jaine Ariély Cubas Davet, Diretora de Cadastro e Fomento Florestal, do Serviço Florestal Brasileiro, do Ministério da Agricultura, Pecuária e Abastecimento (MAPA), no Seminário Internacional Oportunidades de Negócios para uma Economia Rural Sustentável:A Contribuição das Florestas e da Agricultura, realizado nos dias 14 e 15 de maio de 2019.
Apresentação intitulada "KfW - REM (Redd Early Movers)", proferidda em inglês por Miguel Lanna, Gerente de Projetos do Grupo Bancário Kfw, no Seminário Internacional Oportunidades de Negócios para uma Economia Rural Sustentável: A Contribuição das Florestas e da Agricultura, realizado nos dias 14 e 15 de maio de 2019.
"Desafios Econômicos e Ambientais das Cadeias Produtivas da Carne e da Soja"UNDP Policy Centre
Apresentação intitulada "Desafios Econômicos e Ambientais das Cadeias Produtivas da Carne e da Soja", proferida por Sérgio Schlensiger,Economista e Consultor da Federação de Órgãos para Assistência Social e Educacional (FASE), no Seminário Internacional Oportunidades de Negócios para uma Economia Rural Sustentável:A Contribuição das Florestas e da Agricultura, realizado nos dias 14 e 15 de maio de 2019.
Apresentação intitulada "Indicadores de Sustentabilidade", proferida por Regina Sambuichi,Pesquisadora da Diretoria de Estudos e Políticas Regionais, Urbanas e Ambientais (Dirur), do Instituto de Pesquisa Econômica Aplicada (Ipea), no Seminário Internacional Oportunidades de Negócios para uma Economia Rural Sustentável:A Contribuição das Florestas e da Agricultura, realizado nos dias 14 e 15 de maio de 2019.
Apresentação intitulada "A cadeia Produtiva da Carne", proferida por Mariane Crespolini, Diretora do Departamento de Produção Sustentável e Irrigação da Secretaria de Inovação, Desenvolvimento Rural e Irrigação do Ministério de Agricultura, Pecuária e Abastecimento (MAPA), no Seminário Internacional Oportunidades de Negócios para uma Economia Rural Sustentável:A Contribuição das Florestas e da Agricultura, realizado nos dias 14 e 15 de maio de 2019.
Apresentação intitulada "Sustentabilidade na Cadeia da Soja Brasileira", proferida por Bernardo Pires, Gerente de Sustentabilidade da Associação Brasileira das Indústrias de Óleos Vegetais (ABIOVE), no Seminário Internacional Oportunidades de Negócios para uma Economia Rural Sustentável:A Contribuição das Florestas e da Agricultura, realizado nos dias 14 e 15 de maio de 2019.
Carlos Chiapa & Silvia Prina: Impact evaluation of oportunidades and productive inclusion
1. Social protection, entrepreneurship and labor market activation
Evidence for better policies
International Seminar and Policy Forum
IPEA Headquarters, Brasilia
September 11, 2014
2. Introduction
•Inclusionintode financialsystemhelps the poor escape poverty (Aghionand Bolton 1997; Banerjee and Newman 1993; Banerjee 2004)
•The poor are usually excluded from the financial system
•They end up using imperfect substitutes (Collins et al. 2009; Rutherford 2000)
•Recent studies show that
•There is untapped demand for formal savings devices
•Access and use of a savings account can have a dramatic impact on the savings, investment and welfare of small entrepreneurs and households (Dupasand Robinson 2013; Prina2014)
3. Financial inclusion: Supply vs.demand
•Recent institutional changes in the way Social Protection programs work in Latin America have helped to bank millions of individuals
•Supply problems are decreasing
•Since January 2012, all six million recipients of the Mexican CCT program Oportunidadesreceive their transfers directly into their own savings accounts at the Banco del AhorroNacional y ServiciosFinancieros(BANSEFI)
•Through this action, most of the poorest Mexican households have been granted access to the formal financial system
4. Financial inclusion: Supply vs.demand
•Can we say that poor Mexicans are now financially included?
•No!
•Financial inclusion according to the OECD:
1.Access to formal financial services
2.Use of financial services
3.Appropriate regulation to protect the consumer
4.Financial education in order to increase financial capabilities
•Having an account (being banked) is a necessary, but not sufficient condition
5. Financial inclusion: Supply vs. demand
•Recipients of Oportunidadesmake little use of their accounts
•Data from a pilot in 2009 shows most withdraw their funds at once
•Data from 2012, six months after scaling up at the national level the new payments system, shows they also withdraw their funds at once
•Baseline data from our experiment (May 2014) shows that 81% still withdraws all their funds at once
•However, 58% of the beneficiaries do save
•38% in formal institutions, out of these only 30% in BANSEFI
•79% in informal institutions (62% use only informal institutions to save)
•There seem to be problems on the demand side
6. Demand issues: Reasons for not using the account
Not enough to save
42
Told to withdrawall
43
Fear of being kicked out
11
Gov. will keep her money
11
Lack of trust
9
Not her account
1
Don't like personnel
3
Service denied
2
Too far
2
Not liquid
0.1
Other
15
0
5
10
15
20
25
30
35
40
45
50
Percentage
Source:Chiapaand Prina(2014). N= 4,090
7. Demand issues
•Only 51% of the recipients know that they can save in their BANSEFI accounts
•Although they basically just make withdrawals, they do not know their cost
•83% does not know how to make deposits into their accounts
•70% does not even know where they would have to go to make a deposit
•88% does not know that the money they save in BANSEFI (or any formal institution) is fully protected by the Federal Government
STILL:
•62% considers that keeping money in a formal bank account does have an advantage over keeping it somewhere else
8. Demand issues: Low financial literacy
30.1
26
38.7
5.2
$125
Other
Does not know how todo computations
DNK/DNA
•What is the 10% of $1,250 pesos ?
9. Demand issues: Low financial literacy
43.2
13.7
16.1
24.8
2.2
More than $102
Exactly $102
Less than $102
Does not know how todo computations
DNK/DNA
•Suppose you are given a credit of $100 pesos and that the monthly interest rate is 2%. You must pay the credit back in three months. In three months, how much will you have to pay in total?
10. Demand issues: Low financial literacy
5.9
75.4
18.1
0.6
More
Less
The same
DNK/DNA
•If prices are rising and you keep your money under the mattress, do you think you will be able to buy more or less goods in a few months?
11. Our intervention
•Using behavioral economics insights, we have designed easy to use accounts that should increase usage and formal savings
•The intervention intends to test the effectiveness of mental accounting and default mechanisms to help people save formally
•Mental accounting can affect savings and financial accounting decisions (Feldman 2010; Sahm, Shapiro, and Slemrod2010; Thaler1990, 1999)
•Defaults have also been shown to be very effective in increasing savings in developed countries with low-income population (Thalerand Bernatzi2004; Madrianand Shea2001)
•None of these mechanisms has been available for most of the poor in developing countries
•Direct deposit of CCTs into a savings account provides a unique opportunity to do so
12. Research question
We aim to rigorously estimate the effects that:
1.Having an account denominated for emergencies in which individuals can voluntarily deposit some savings (mental accounting), and
2.Having an account denominated for emergencies where bydefault 10% of the CCT beneficiaries receive is regularly transferred(mental accounting + default)
have on:
•Savings at BANSEFI
•Overall households’ savings
•The ability of households to cope with negative shocks
•Investments
13. Research methodology
RCTwith three treatment arms:
•Control (C)
•Treatment 1 (T1)
•Treatment 2 (T2)
Everyone (C, T1 and T2) will receive a special educational workshop on how to use their account(s) + booklet(s) to track savings
15. Research methodology
•Treatment T1: Status quo + access to a fully liquid account denominated for emergencies(debit card will have a sticker with the name of the account)
16. Research methodology
•Treatment T2: Status quo + access to a fully liquidaccount for emergencies where 10% of CCT is deposited by default every time Oportunidadesmakes a transfer to the recipient’s main account(debit card will have a sticker with the name of the account, beneficiaries can opt-out)
17. Identification
•C vs. T1 + T2identifies the effect ofmental accounting
•T1 vs. T2identifies the effect of saving bydefault
18. Whereweare
•Intervention was to start on February 2014, after baseline data collection
•Baseline data collection had to be postponed due to delays in the process of signing the grant agreements with our two main funding institutions
•The intervention had also to be postponed
•Baseline data collection took place in April/May 2014
•Since then, BANSEFI has suffered changes in key positions and has been given direct others from the President of Mexico to design and implement an integral strategy of financial inclusion
•“Oportunidades” has died, long live “Prospera”
•FI strategy: New (very illiquid) savings accounts; line of credit tied to CCT; life insurance
•We are hopeful the intervention will start over the next few weeks
19. Policy impact
•To date we know little about the potential benefits of delivering CCTs via savings accounts
•Our project will shed light on this
•Our results will help design better development policiesassociated with the delivery of CCTs programs or other government programs that make regular, direct transfer payments to individuals
•If our study demonstrates that our intervention has a significant impact, it may not be too difficult/costly to:
•Scale it up and/or
•Replicate it in any country where the government makes direct transfer payments, on a regular basis, to poor individuals via a savings account.