Relatório Técnico de Pesquisa

URI permanente desta comunidadehttps://repositorio.insper.edu.br/handle/11224/6038

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Resultados da Pesquisa

Agora exibindo 1 - 10 de 17
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    Is personal data still up for grabs?
    (2023) Perez, Adriana Azevedo Hernandez
    In an era marked by increasing digitalization, the flow of personal data has become a focal point for both competition and privacy concerns. While illicit personal data collection remains a widespread issue, a parallel concern arises from the extensive consent to share personal data, often attributed to lack of awareness regarding the potential risks of personal data sharing and to high transaction costs. This article explores the intricate landscape of data economics and data privacy in the digital era, shedding light on both the advantages and risks associated with the widespread use of information. At the heart of this discussion lies the pivotal role of data brokers, acting as intermediaries responsible for the collection, processing, and selling data. In the face of an ever-evolving landscape, the policies that remain consistent and robust in the face of advancements in behavioral economics literature are those focused on strengthening market information flows and consumer education.
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    Relatório de pesquisa
    The bank debit tax in Colombia
    (2003) Restrepo, María Angélica Arbeláez; Burman, Leonard; Zuluaga, Sandra Consuelo
    Colombia has had a bank debit tax (BDT) since 1998. It was originally enacted as a temporary measure to finance the bailout of bankrupt financial institutions. The BDT is one variant of the broader class of taxes on financial transactions. The Colombian BDT, known formally as the Gravamen a los Movimientos Financieros (GMF), is a tax on withdrawals from savings and checking accounts, credit card transactions, loan disbursements, and certain other transactions. It was originally imposed at a 0.2 percent rate, and increased to 0.3 percent and made permanent in 2001. The tax is an important source of tax revenue to Colombia, contributing revenues equal to about 0.8 percent of GDP. The tax is similar in concept to the currency transactions tax proposed by Nobel Laureate James Tobin in the late seventies.1 Although Tobin’s proposal sought to reduce the volatility of international financial markets, Latin American countries have been attracted to the BDT primarily because it raises a lot of money at what seems to be a low tax rate (Coelho et.al. 2001). Although all taxes have costs, the BDT may be especially burdensome. The BDT is a tax on financial intermediation. As such, it tends to encourage disintermediation. The tax is also tantamount to a cascading sales tax in sectors of the economy that use the banking system to facilitate transactions. Both of these factors create efficiency costs for the Colombian economy. This paper examines the economic effects of the BDT in Colombia through its effects on cash demand, net interest margins and profitability of financial intermediaries, and using a general equilibrium model to estimate the welfare cost in the real sector. A concluding section makes policy recommendations.
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    Relatório de pesquisa
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    Relatório de pesquisa
    Making Growth Inclusive and Equitable
    (2016) RICARDO PAES DE BARROS; Coutinho, Diana; Mendonça, Rosane; Franco, Samuel
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    Relatório de pesquisa
    The Effect of Age at School Entry on Education and Labor Market Outcomes: A Regression Discontinuity Analysis
    (2021) Herdeiro, Renato; Oliveira, Alison; NAERCIO AQUINO MENEZES FILHO
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    Relatório de pesquisa
    Commodity Booms, Slavery and Illiteracy: Historical Evidence from Brazilian Municipalities
    (2021) NAERCIO AQUINO MENEZES FILHO; Anazawa, Leandro; Proença, Bruno; Komatsu, Bruno Kawaoka
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    Relatório de pesquisa
    Estimating the impact of daycare on child development and women welfare
    (2008) RICARDO PAES DE BARROS; Carvalho, Mirela de; Domingues, Laura; Franco, Samuel; Olinto, Pedro; Rosalém, Andrezza
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    Planning and Monitoring without Governance: where may it lead us?​
    (2016) RICARDO PAES DE BARROS; Coutinho, Diana; Franco, Samuel; Rosa, Gabriela Gall