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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70 IZA Discussion Papers
IZA Discussion Paper No. 17803
The Consequences of Promoting Data Literacy Among Graduate Students
Margherita Fort, Annalisa Loviglio, Susanna Tinti
IZA Discussion Paper No. 17611
The Effect of Teacher Training and Community Literacy Programming on Teacher and Student Outcome
Feliciano Chimbutane, Naureen Karachiwalla, Catalina Herrera-Almanza, Jessica Leight, Carlos Lauchande
IZA Discussion Paper No. 17283
Unbundling Returns to Postsecondary Degrees and Skills: Evidence from Colombia
Matias Busso, Sebastián Montaño, Juan S. Muñoz-Morales
published in: Education Economics, 2024, 33 (1), 1-18
IZA Discussion Paper No. 17214
Inter-Institutional Cooperation and Migrants' Financial Education: An Italian Case Study
Samuel Nocito, Alessandra Venturini
IZA Discussion Paper No. 16976
Business Education and Portfolio Returns
Adam Altmejd, Thomas Jansson, Yigitcan Karabulut
IZA Discussion Paper No. 16952
Who Cares about Investing Responsibly? Attitudes and Financial Decisions
Alberto Montagnoli, Karl Taylor
IZA Discussion Paper No. 16926
Financial Literacy and Financial Education: An Overview
Tim Kaiser, Annamaria Lusardi
forthcoming in: Oxford Handbook of Banking (eds. Berger et al.)
IZA Discussion Paper No. 16811
Digital Interventions to Increase Financial Knowledge: Evidence from a Pilot RCT
Luis Oberrauch, Tim Kaiser
published in: Journal of Behavioral and Experimental Finance, 2024, 43, 100954
IZA Discussion Paper No. 16712
A Scalable Approach to High-Impact Tutoring for Young Readers: Results of a Randomized Controlled Trial
Kalena E. Cortes, Karen Kortecamp, Susanna Loeb, Carly D. Robinson
published as 'A scalable approach to high-impact tutoring for young readers' in: Learning and Instruction, 2025, 95, 102021
IZA Discussion Paper No. 16628
Gender Gaps in Financial Literacy: A Multi-Arm RCT to Break the Response Bias in Surveys
Laura Hospido, Nagore Iriberri, Margarita Machelett
IZA Discussion Paper No. 16304
Can a Mobile-App-Based Behavioral Intervention Teach Financial Skills to Youth? Experimental Evidence from a Financial Diaries Study
Veronica Frisancho, Alejandro Herrera, Silvia Prina
published in: Journal of Economic Behavior & Organization, 2023, 214, 595- 614
IZA Discussion Paper No. 16102
Financial Literacy, Experimental Preference Measures and Field Behavior – A Randomized Educational Intervention
Matthias Sutter, Michael Weyland, Anna Untertrifaller, Manuel Froitzheim, Sebastian O. Schneider
this paper presents an update of the former IZA Discussion Paper No. 13566
IZA Discussion Paper No. 15897
Who Gets Vaccinated? Cognitive and Non-cognitive Predictors of Individual Behavior in Pandemics
Mark A. Andor, Thomas K. Bauer, Jana Eßer, Christoph M. Schmidt, Lukas Tomberg
published online in: Oxford Bulletin of Economics and Statistics, 7 October 2024
IZA Discussion Paper No. 15897
Who Gets Vaccinated? Cognitive and Non-cognitive Predictors of Individual Behavior in Pandemics
Mark A. Andor, Thomas K. Bauer, Jana Eßer, Christoph M. Schmidt, Lukas Tomberg
published online in: Oxford Bulletin of Economics and Statistics, 7 October 2024
IZA Discussion Paper No. 15758
Are Retirement Planning Tools Substitutes or Complements to Financial Capability?
Gopi Shah Goda, Matthew R. Levy, Colleen Flaherty Manchester, Aaron Sojourner, Joshua Tasoff, Jiusi Xiao
published in: Journal of Economic Behavior & Organization, 2023, 214, 561-573
IZA Discussion Paper No. 15287
Financial Literacy Amongst Young People: When Does the Gender Gap Begin?
Alison Preston, Robert E. Wright
published as 'When Does the Gender Gap in Financial Literacy Begin?' in: Economic Record, 2024, 100 (328), 44-73
IZA Discussion Paper No. 15287
Financial Literacy Amongst Young People: When Does the Gender Gap Begin?
Alison Preston, Robert E. Wright
published as 'When Does the Gender Gap in Financial Literacy Begin?' in: Economic Record, 2024, 100 (328), 44-73
IZA Discussion Paper No. 15253
A Study of the Chinese Gender Gap in Financial Literacy
Alison Preston, Lili Qiu, Robert E. Wright
published as 'Understanding the gender gap in financial literacy: The role of culture' in: Journal of Consumer Affairs, 2024, 58 (1), 146-176
IZA Discussion Paper No. 15250
Gender, Financial Literacy and Pension Savings
Alison Preston, Robert E. Wright
published in: Economic Record, 2023, 99 (324), 58-83
IZA Discussion Paper No. 15054
Culture, Gender, and Financial Literacy
Maddalena Davoli, Núria Rodríguez-Planas
IZA Discussion Paper No. 14781
Closing the Gender Profit Gap?
Catia Batista, Sandra Sequeira, Pedro C. Vicente
published in: Management Science, 2022, 68 (12), 8515 - 9218,
IZA Discussion Paper No. 14759
Preferences, Financial Literacy, and Economic Development
Maddalena Davoli, Núria Rodríguez-Planas
IZA Discussion Paper No. 14358
Literacy and Information
Achmad Tohari, Christopher Parsons, Anu Rammohan
IZA Discussion Paper No. 14288
Do High Schools Choose Financial Education Policies Based on Their Neighbors?
Allison Oldham Luedtke, Carly Urban
IZA Discussion Paper No. 13893
Propensity Score Weighting with Mismeasured Covariates: An Application to Two Financial Literacy Interventions
Hao Dong, Daniel L. Millimet
published in: Journal of Risk and Financial Management, 2020, 13, 290
IZA Discussion Paper No. 13566
Financial Literacy, Risk and Time Preferences: Results from a Randomized Educational Intervention
Matthias Sutter, Michael Weyland, Anna Untertrifaller, Manuel Froitzheim
an updated version of this paper is available as IZA DP No. 16102
IZA Discussion Paper No. 13349
Culture and Adult Financial Literacy: Evidence from the United States
Maddalena Davoli, Núria Rodríguez-Planas
published in: Economics of Education Review, 2020, 78, 102013
IZA Discussion Paper No. 13193
Prussia Disaggregated: The Demography of its Universe of Localities in 1871
Sascha O. Becker, Francesco Cinnirella
published in: Journal of Demographic Economics, 2020, 86 (3), 259-290.
IZA Discussion Paper No. 13178
Financial Education Affects Financial Knowledge and Downstream Behaviors
Tim Kaiser, Annamaria Lusardi, Lukas Menkhoff, Carly Urban
published in: Journal of Financial Economics, 2022, 145 (2), 255-272
IZA Discussion Paper No. 12497
Who Is a Passive Saver under Opt-In and Auto-Enrollment?
Gopi Shah Goda, Matthew R. Levy, Colleen Flaherty Manchester, Aaron Sojourner, Joshua Tasoff
published in: Journal of Economic Behavior & Organization, 2020, 173, 301-321
IZA Discussion Paper No. 12416
When Behavioral Barriers Are Too High or Low: How Timing Matters for Parenting Interventions
Kalena E. Cortes, Hans Fricke, Susanna Loeb, David S. Song, Ben York
published in: Economics of Education Review, 2023, 92, 102352
IZA Discussion Paper No. 12188
The Determinants of Retirement Planning within Couples in Ireland
Karina Doorley, Anne Nolan
IZA Discussion Paper No. 12187
Financial Literacy and Preparation for Retirement
Anne Nolan, Karina Doorley
IZA Discussion Paper No. 12073
Ageing and Skills: The Case of Literacy Skills
Garry F. Barrett, W. Craig Riddell
published in: European Journal of Education, 2019, 54 (1), 60-71
IZA Discussion Paper No. 11801
Basic Information and Communication Technology Skills among Canadian Immigrants and Non-Immigrants
N. T. Khuong Truong, Arthur Sweetman
published in: Canadian Public Policy, 2018, 44 (S1), S91 - S112
IZA Discussion Paper No. 11762
Predicting Retirement Savings Using Survey Measures of Exponential-Growth Bias and Present Bias
Gopi Shah Goda, Matthew R. Levy, Colleen Flaherty Manchester, Aaron Sojourner, Joshua Tasoff
published in: Economic Inquiry, 2019, 57 (3), 1636 - 1658
IZA Discussion Paper No. 11669
Too Little or Too Much? Actionable Advice in an Early-Childhood Text Messaging Experiment
Kalena E. Cortes, Hans Fricke, Susanna Loeb, David S. Song
published in: Education Finance and Policy, 2021, 16 (2), 209-232
IZA Discussion Paper No. 11515
Financial Education for the Disadvantaged? A Review
Horst Entorf, Jia Hou
IZA Discussion Paper No. 11513
The Last of the Lost Generations? Formal and Non-Formal Education in Ghana during Times of Economic Decline and Recovery
Niels-Hugo Blunch, Jeffrey S. Hammer
IZA Discussion Paper No. 10663
A Teenager in Love: Multidimensional Human Capital and Teenage Pregnancy in Ghana
Niels-Hugo Blunch
published in: Journal of Development Studies, 2018, 54 (3), 557 - 573
IZA Discussion Paper No. 10663
A Teenager in Love: Multidimensional Human Capital and Teenage Pregnancy in Ghana
Niels-Hugo Blunch
published in: Journal of Development Studies, 2018, 54 (3), 557 - 573
IZA Discussion Paper No. 10633
Financial Literacy and Attitudes to Redistribution
Alberto Montagnoli, Mirko Moro, Georgios A. Panos, Robert E. Wright
IZA Discussion Paper No. 10363
The Ant or the Grasshopper? The Long-term Consequences of Unilateral Divorce Laws on Savings of European Households
Viola Angelini, Marco Bertoni, Luca Stella, Christoph T. Weiss
published in: European Economic Review, 2019, 119, 97-113
IZA Discussion Paper No. 10285
Financial Literacy and Political Orientation in Great Britain
Alberto Montagnoli, Mirko Moro, Georgios A. Panos, Robert E. Wright
IZA Discussion Paper No. 10017
Ageing and Literacy Skills: Evidence from IALS, ALL and PIAAC
Garry F. Barrett, W. Craig Riddell
IZA Discussion Paper No. 9955
"Teaching to Teach" Literacy
Stephen Machin, Sandra McNally, Martina Viarengo
published in: American Economic Journal: Economic Policy, 2018, 10, 217-41
IZA Discussion Paper No. 9856
Subjective Belief Distributions and the Characterization of Economic Literacy
Amalia Di Girolamo, Glenn Harrison, Morten Lau, J. Todd Swarthout
IZA Discussion Paper No. 9103
Financial Literacy and Food Security in Extremely Vulnerable Households
Daniel L. Millimet, Ian K. McDonough, Thomas B. Fomby
published in: American Journal of Agricultural Economics, 2018, 100, 1224-1249
IZA Discussion Paper No. 8572
Language and Labor Market Success
Ingo E. Isphording
published in: International Encyclopedia of the Social & Behavioral Sciences (Second Edition), 2015, Pages 260-265
IZA Discussion Paper No. 7360
Disadvantages of Linguistic Origin: Evidence from Immigrant Literacy Scores
Ingo E. Isphording
shortened version published in: Economics Letters, 2014, 123 (2) 236–239
IZA Discussion Paper No. 7167
Why Did the Netherlands Develop So Early? The Legacy of the Brethren of the Common Life
I. Semih Akçomak, Dinand Webbink, Bas ter Weel
published in: Economic Journal, 2016, 126 (593), 821-860
IZA Discussion Paper No. 6989
Banks Information Policies, Financial Literacy and Household Wealth
Margherita Fort, Francesco Manaresi, Serena Trucchi
revised version published in: Economic Policy, 2016, 31 (88), 743-782
IZA Discussion Paper No. 6882
Do Literacy and Numeracy Pay Off? On the Relationship between Basic Skills and Earnings
Manfred Antoni, Guido Heineck
IZA Discussion Paper No. 6424
Ageing and Literacy Skills: Evidence from Canada, Norway and the United States
David A. Green, W. Craig Riddell
published in: Labour Economics, 2013, 22, 16 - 29
IZA Discussion Paper No. 6083
General Education, Vocational Education, and Labor-Market Outcomes over the Life-Cycle
Eric A. Hanushek, Ludger Woessmann, Lei Zhang
published in: Journal of Human Resources, 2017, 52 (1), 48-87
IZA Discussion Paper No. 5814
Exponential Growth Bias and Financial Literacy
Johan Almenberg, Christer Gerdes
published in: Applied Economics Letters, 2012, 19 (17), 1693-1696
IZA Discussion Paper No. 5274
Can Private School Growth Foster Universal Literacy? Panel Evidence from Indian Districts
Sarmistha Pal, Geeta G. Kingdon
IZA Discussion Paper No. 5114
Bringing Financial Literacy and Education to Low and Middle Income Countries: The Need to Review, Adjust, and Extend Current Wisdom
Robert Holzmann
IZA Discussion Paper No. 4047
Literacy Traps: Society-wide Education and Individual Skill Premia
Vidya Atal, Kaushik Basu, John Gray, Travis Lee
published in: IJET International Journal of Economic Theory, 2010, 6 (1), 137-148
IZA Discussion Paper No. 3986
Following in Your Parents' Footsteps? Empirical Analysis of Matched Parent-Offspring Test Scores
Sarah Brown, Steven McIntosh, Karl Taylor
published in: Oxford Bulletin of Economics and Statistics, 2010, 73 (1), 40-58
IZA Discussion Paper No. 3906
Multidimensional Human Capital, Wages and Endogenous Employment Status in Ghana
Niels-Hugo Blunch
published in: Ravi Kanbur and Jan Svejnar (eds.), Labor Markets and Economic Development, London and New York: Routledge, 2009
IZA Discussion Paper No. 3906
Multidimensional Human Capital, Wages and Endogenous Employment Status in Ghana
Niels-Hugo Blunch
published in: Ravi Kanbur and Jan Svejnar (eds.), Labor Markets and Economic Development, London and New York: Routledge, 2009
IZA Discussion Paper No. 3707
The Elite and the Marginalised: An Analysis of Public Spending on Mass Education in the Indian States
Sarmistha Pal, Sugata Ghosh
revised version published as 'Poverty, Elite Heterogeneity, and the Allocation of Public Spending: Panel Evidence from the Indian States' in: Review of Income and Wealth, 2012, 58 (1), 51–78
IZA Discussion Paper No. 3507
Discounting Financial Literacy: Time Preferences and Participation in Financial Education Programs
Stephan Meier, Charles Sprenger
revised version published in: Journal of Economic Behavior & Organization, 2013, 95, 159–174
IZA Discussion Paper No. 3336
‘Arranged’ Marriage, Co-Residence and Female Schooling: A Model with Evidence from India
Indraneel Dasgupta, Pushkar Maitra, Diganta Mukherjee
published in: Mukhopadhyay, H. et al. (eds.), Dimensions of Economic Theory and Policy, Delhi, Oxford University Press, 2011
IZA Discussion Paper No. 2611
Trade Adjustment and Human Capital Investments: Evidence from Indian Tariff Reform
Eric V. Edmonds, Nina Pavcnik, Petia Topalova
published in: American Economic Journal: Applied Economics, 2010, 2 (4), 42-75
IZA Discussion Paper No. 2348
Does School Tracking Affect Equality of Opportunity? New International Evidence
Giorgio Brunello, Daniele Checchi
published in: Economic Policy, 52, 2007, 781-861
IZA Discussion Paper No. 1005
The Literacy Hour
Stephen Machin, Sandra McNally
published in: Journal of Public Economics, 2008, 92 (5-6), 1441-1462
IZA Discussion Paper No. 545
The Role of Background Factors for Reading Literacy: Straight National Scores in the PISA 2000 Study
Michael Fertig, Christoph M. Schmidt
IZA Discussion Paper No. 450
Schooling, Literacy, Numeracy and Labor Market Success
Barry R. Chiswick, Yew Liang Lee, Paul W. Miller
published in: Economic Record, 2003, 79 (245), 165-181
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