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Seira, Enrique

Overview
Works: 17 works in 46 publications in 2 languages and 256 library holdings
Roles: Author
Classifications: HB1, 330
Publication Timeline
Key
Publications about Enrique Seira
Publications by Enrique Seira
Most widely held works by Enrique Seira
Entry regulation and business start-ups : evidence from Mexico by David S Kaplan( file )
7 editions published between 2007 and 2012 in English and Undetermined and held by 39 libraries worldwide
The authors estimate the effect on business start-ups of a program that significantly speeds up firm registration procedures. The program was implemented in Mexico in different municipalities at different dates. Authors estimates suggest that new start-ups increased by about 4 percent in eligible industries, and the authors present evidence that this is a causal effect. Most of the effect is temporary, concentrated in the first 10 months after implementation. The effect is robust to several specifications of the benchmark control group time trends. The authors find that the program was more effective in municipalities with less corruption and cheaper additional procedures
Who are the unbanked? by Simeon Djankov( file )
4 editions published between 2008 and 2012 in English and held by 35 libraries worldwide
Abstract: This paper uses nationally representative survey data from Mexico to compare households with savings accounts in formal financial institutions to their neighbors who do not have such accounts. The survey, which was conducted in 2005, contains information on nearly 5,000 households. The findings show that although neighboring banked and unbanked households have similar demographic and occupational profiles, the former are more educated and have markedly greater wealth. The median banked household spends 32 percent more per capita than the median unbanked household, and the median per capita wealth in banked households is 88 percent higher than that in unbanked households. The findings suggest that education levels, wealth, and unobserved household attributes that might be correlated with wealth and education play a major role in explaining who is banked
Comparing open and sealed bid auctions : evidence from timber auctions by Susan Athey( Book )
11 editions published between 2004 and 2008 in English and held by 17 libraries worldwide
We study entry and bidding patterns in sealed bid and open auctions with heterogeneous bidders. Using data from U.S. Forest Service timber auctions, we document a set of systematic effects of auction format: sealed bid auctions attract more small bidders, shift the allocation towards these bidders, and can also generate higher revenue. We show that a private value auction model with endogenous participation can account for these qualitative effects of auction format. We estimate the model's parameters and show that it can explain the quantitative effects as well. Finally, we use the model to provide an assessment of bidder competitiveness, which has important consequences for auction choice
On the distributive costs of drug-related homicides by Nicolas Ajzenman( Book )
7 editions published between 2013 and 2014 in English and Spanish and held by 12 libraries worldwide
There are few reliable estimates of the effects of violence on economic outcomes. This study exploits the manifold increase in homicides in 2008-2011 in Mexico resulting from its war on organized drug traffickers to estimate the effect of drug- related homicides on housing prices. Using an unusually rich dataset that provides national coverage on housing prices and homicides and exploits within- municipality variation, the study finds that the burden of violence affects only the poor. An increase in homicides equivalent to one standard deviation leads to a 3 percent decrease in low-income housing prices. Moreover, the effect on housing prices of long-term increases in crime is 40 percent larger
Essays on empirical microeconomics by Enrique Seira( Book )
3 editions published in 2007 in English and held by 5 libraries worldwide
Entry regulation and business start-ups : evidence from Mexico by David S Kaplan( Sound Recording )
1 edition published in 2007 in English and held by 2 libraries worldwide
Are burdensome registration procedures an important barrier on firm creation? : Evidence from Mexico ( Computer File )
1 edition published in 2006 in English and held by 2 libraries worldwide
Comparing open and sealed bid auctions : evidence from timber auctions ( Computer File )
1 edition published in 2008 in English and held by 2 libraries worldwide
Exporters during the trade collapse the (surprising) resiliency of the small exporter by Rahul Giri( file )
1 edition published in 2014 in English and held by 1 library worldwide
How did small exporters fare relative to large exporters during the 2008-09 crisis? Examining the performance of Mexican exporters reveals that the crisis did not make smaller exporters more likely to exit, grow less, or expand less their product line relative to larger exporters. Workhorse models of trade would predict the opposite. The same models, however, are consistent with the data before the crisis: within industry, (i) firm exit rate is decreasing in size; (ii) conditional on survival, export growth is decreasing in size; (iii) product line expansion is increasing in size
On the distributed costs of drug-related homicides by Nicolas Ajzenman( file )
1 edition published in 2014 in English and held by 1 library worldwide
Bancarizing with credit cards experimental evidence on interest rates and minimum payments elasticities for new clients by Enrique Seira( file )
1 edition published in 2015 in English and held by 1 library worldwide
We study the bancarization of marginal borrowers using credit cards and document that this process is difficult: default risk is substantial, returns heterogeneous, and account closings common. We also take advantage of a randomized control trial that varied interest rates and minimum payments in a very wide range. Against our hypothesis, we find that default risk is very insensitive to (randomized) large changes in interest rates and minimum payments. This could imply that regulating these contract terms may not necessarily "protect" consumers against default and that moral hazard in this market is negligible on average
Are information disclosure mandates effective? evidence from the credit card market by Alan Elizondo Flores( file )
1 edition published in 2014 in English and held by 1 library worldwide
Consumer protection in financial markets in the form of information disclosure is high on governments agendas, despite the fact that the empirical evidence on its effectiveness is scarce. To measure the impact of Truth-in-Lending-Act-type disclosures on default and indebtedness, as well as of debiasing warning messages and social comparison information, we implement a randomized control trial in the credit card market for a large population of indebted cardholders. We find that providing salient interest rate disclosures has no effect, while social comparisons and debiasing messages have only a odest effect. Other types of disclosures discussed in the paper could have larger effects
Assortative matching of exporters and importers by Yoichi Sugita( file )
1 edition published in 2016 in English and held by 1 library worldwide
Borrowing on the wrong credit card evidence from Mexico by Alejandro Ponce( file )
1 edition published in 2014 in English and held by 1 library worldwide
We study how consumers allocate debt across credit cards they already hold using new data on credit card activity for a representative sample of consumers with two homogeneous cards in Mexico. We find that relative prices are a very weak predictor of the allocation of debt, purchases, and payments. On average, consumers pay 31% above their minimum financing cost. Evidence on cross-card debt elasticities with respect to interest rates and credit limits show no substitution in the price margin. Our findings offer evidence against the cost-minimizing hypothesis and provide support to behavioral explanations
On the distributed costs of drug-related homicides by Nicolas Ajzenman( file )
1 edition published in 2014 in English and held by 0 libraries worldwide
Reliable estimates of the effects of violence on economic outcomes are scarce. We exploit the manyfold increase in homicides in 2008-2011 in Mexico resulting from its war on organized drug traffickers to estimate the effect of drug-related homicides on house prices. We use an unusually rich dataset that provides national coverage on house prices and homicides and exploit within-municipality variations. We find that the impact of violence on housing prices is borne entirely by the poor sectors of the population. An increase in homicides equivalent to one standard deviation leads to a 3% decrease in the price of low-income housing. In spite of this large burden on the poor, the willingness to pay in order to reverse the increase in drug-related crime is not high. We estimate it to be approximately 0.1% of Mexico's GDP
Banking on Trust How Debit Cards Enable the Poor to Save More by Pierre Bachas( file )
3 editions published in 2017 in English and held by 0 libraries worldwide
Trust is an essential element of economic transactions, but trust in financial institutions is low, especially among the poor. Debit cards provide not only easier access to savings, but also a mechanism to monitor bank account balances and thereby build trust in a financial institution. We study a natural experiment in which debit cards are rolled out to beneficiaries of a Mexican conditional cash transfer program whose benefits are already directly deposited into a savings account. Using administrative data on over 340,000 bank accounts over four years, we find that prior to receiving a debit card, beneficiaries do not save in these accounts. Beneficiaries then begin to increase their savings after 9 to 12 months with the card. During this initial stagnant period, they use the card to check their balances frequently, and the number of checks decreases over time as their reported trust in the bank increases. After 1 to 2 years, the debit card causes the savings rate to increase by 3 to 5 percent of income. Using household survey panel data, we find that this effect represents an increase in overall savings
Sequential banking : direct and externality effects on delinquency by Giacomo De Giorgi( file )
1 edition published in 2017 in English and held by 0 libraries worldwide
The ability to borrow sequentially from multiple lenders might generate sizable externalities in delinquencies. We provide evidence on the existence and "large" size of such effects. We first document that loan approval causes a persistent difference in the number of loans between initially approved and non-approved. We then show that while loan approval leads to no default for high credit score applicants, it causes a large 7pp increase in default on previously existing loans for lower score applicants. That is, a 1,000 MXN (60 USD) extra loan is associated with an increase in the probability of default of 1.5pp for the lower credit score group. This produces average losses close to 18% of total debt, an important externality on previous lenders. This shows that the financial inclusion of clients with lower credit scores is hard due to higher default, and that sequential banking may lead to high default equilibria
 
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Alternative Names
Bejarano, Enrique Seira
Seira Bejarano, Enrique
Languages
English (44)
Spanish (1)
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