This paper isolates the causal impact of neighborhood environment on credit outcomes of low-income borrowers by analyzing the participants of the Moving to Opportunity (MTO) experiment. MTO was a unique, large-scale experiment that offered families vouchers to move to better neighborhoods via...

This paper provides new evidence on the long-term impacts of neighborhood environment on low-income credit decisions by analyzing financial outcomes and borrowing decisions of participants of the Moving to Opportunity (MTO) experiment. The MTO experiment was a unique, large-scale experiment that...

Contract manufacturing as a concept will be utilised increasingly during the 1990s and beyond. The use of this facility can make life a great deal easier for manufacturing engineering management, specially in recessionary periods. Savings in time, aggravation and, above all, costs, are vital....