Claudia Martínez

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Migration creates changes in household structure that affect financial decision making, in large part by exacerbating information asymmetries between migrants and families left behind. Migrants may currently remit less than they would if they were better able to control the uses of remittances. This research uses a randomized field experiment to investigate(More)
If micro-entrepreneurs are capital constrained, increasing their assets should improve their businesses and employment. By using a randomized controlled trial approach in a large-scale publicly-run micro-entrepreneurship program in Chile that provides business training and asset transfers, we assess the effectiveness of this strategy in increasing(More)
We implemented a randomized field experiment that tested ways to stimulate savings by international migrants in their origin country. We find that migrants value and take advantage of opportunities to exert greater control over financial activities in their home countries. In partnership with a Salvadoran bank, we offered U.S.-based migrants bank accounts(More)
Proprietary cryptography is a term used to describe custom encryption techniques that are kept secret by its designers to add additional security. It is questionable if such an approach increases the cryptographic strength of the underlying mathematical algorithms. The security of proprietary encryption techniques relies entirely on the competence of the(More)
OBJECTIVES To evaluate sleep quality in relation to lifestyle characteristics including consumption of energy drinks and other caffeinated beverages among Peruvian college students. METHODS A total of 2,458 college students were invited to complete a self-administered questionnaire that collected information about a variety of behaviors including(More)
Diesel in Chile receives a different tax treatment depending on its use. If diesel is used in industrial activities the diesel tax paid can be used as a credit against VAT and if diesel is used in freight or public transportation (basically trucks and buses) a fraction of gasoline taxes paid can be used as a credit against VAT. As a result of this different(More)
This paper describes the system submitted to SemEval-2017 Task 4-A Sentiment Analysis in Twitter developed by the UCSC-NLP team. We studied how relationships between sense n-grams and sentiment polarities can contribute to this task, i.e. co-occurrences of WordNet senses in the tweet, and the polarity. Furthermore, we evaluated the effect of discarding a(More)
The remittances that migrants send to their home countries are one of the largest international financial flows to the developing world. A common policy recommendation is that remittance transaction fees should be lowered. This paper provides the first empirical evidence on the causal impact of remittance transaction fees on remittance flows via a field(More)
The remittances that migrants send to their home countries are one of the largest international financial flows to the developing world. A common policy recommendation is that remittance transaction fees should be lowered. This paper provides the first empirical evidence on the causal impact of remittance transaction fees on remittance flows via a field(More)