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 over 13,000 papers, IZA's publication flagship is the most influential working paper series in labor economics. 

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10 IZA Discussion Papers
IZA Discussion Paper No. 12393
Financial Crises and Liberalization: Progress or Reversals?
Orkun Saka, Nauro F. Campos, Paul De Grauwe, Yuemei Ji, Angelo Martelli
forthcoming in: Campos, N., P. De Grauwe and Y. Ji (eds), Structural Reforms and Economic Growth in Europe, Cambridge University Press
IZA Discussion Paper No. 12221
NDC: The Generic Old-Age Pension Scheme
Marek Góra, Edward Palmer
forthcoming as a chapter in: "Progress and Challenges of Nonfinancial Defined Pension"
IZA Discussion Paper No. 11515
Financial Education for the Disadvantaged? A Review
Horst Entorf, Jia Hou
IZA Discussion Paper No. 11316
Mortgage Finance and Culture
Núria Rodríguez-Planas
forthcoming in: Journal of Regional Science, 2018
IZA Discussion Paper No. 9992
How Successful Are Banking Sector Reforms in Emerging Market Economies? Evidence from Impact of Monetary Policy on Levels and Structures of Firm Debt in India
Sumon K. Bhaumik, Ali M. Kutan, Sudipa Majumdar
forthcoming in: European Journal of Finance
IZA Discussion Paper No. 9267
Finance and Growth at the Firm Level: Evidence from SBA Loans
J. David Brown, John S. Earle
publlished in: Journal of Finance, 2017, 72 (3), 1039 - 1080
IZA Discussion Paper No. 7851
The Effect of Credit Guarantees on R&D Investment of SMEs in Korea
Almas Heshmati
Published in: Asian Journal of Technology Innovation, 2015, 23(3), 407-421.
IZA Discussion Paper No. 7544
Do SBA Loans Create Jobs?
J. David Brown, John S. Earle
IZA Discussion Paper No. 4351
Reputation and Credit Market Formation: How Relational Incentives and Legal Contract Enforcement Interact
Ernst Fehr, Christian Zehnder
IZA Discussion Paper No. 3218
The Determinants of Foreign Direct Investment Flows to the Federal Region of Kurdistan
Almas Heshmati, Rhona Davis
published in: Heshmati, The Economy of Southern Kurdistan, New York: Nova Science Publishers, 2010
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