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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140 IZA Discussion Papers
IZA Discussion Paper No. 18131
Walking the Talk? Bank Climate Commitments and Green Lending in Emerging Markets
Mariana Bernad, Ralph De Haas, Juan Pablo Rud
IZA Discussion Paper No. 18119
Rethinking Credit and Capital Subsidies to Create Jobs Through MSMEs: The Role of Impact Investment Funds
David A. Robalino, Loubna Bourkane, Amir Ben Ghod Bene
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
short version published as 'Are Loans to Minority-Owned Firms Mispriced?' in: AEA Papers and Proceedings, 2025, 115, 477–482
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
published in: Emerging Markets Review, 2025, 65, 101249
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 as 'Learning from experience: Flooding and insurance take-up in the flood zone and its periphery' in: Journal of Risk and Insurance, 2025, 92 (2), 312-356
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 in: Review of Economics and Statistics, 2025, 107 (3), 835–844.
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
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