Is there Descriminatory Mortgage Pricing against Immigrants in the Spanish Lending Market?

In this paper, we investigate whether evidence of discriminatory treatment against immigrants in the Spanish mortgage market exists. More specifically, we test whether, ceteris paribus, immigrant borrowers tend to be charged with higher interest rates on their mortgages than their Spanish born counterparts. To do so, we use a unique dataset on granted mortgages that contains information not only regarding the conditions of the loan but also the socio-economic characteristics of the mortgagors. We observe that immigrants are systematically charged with higher interest rates. We apply the well known Oaxaca-Blinder decomposition to measure the extent to which this disparate treatment of lenders in mortgage pricing against immigrants is due to discrimination. Our results indicate that approximately two thirds of the gap in the interest rate between Spanish born and immigrant borrowers can be attributed to discriminatory treatment. Key words: Immigration, discrimination, mortgage pricing, housing market. JEL codes: R21, G21, J14

Water Reallocation in the Input-Output Model

Water reallocation between economic agents has been –and continues to be- the subject of a considerable amount of research. This paper proposes a method for evaluating how water is reallocated within the economy in response to changes in final demand and changes in the technical water needs of activities and consumers. The empirical application, which is for the Catalan economy, shows important asymmetries in the effects that exogenous inflows and changes in water technical requirements cause on water reallocation. In the process of water distribution, exogenous inflows mostly benefit agriculture and damage private consumers. On the other hand, increases in technical water requirements have negative effects on agriculture and positive effects on the other production activities. The results of the study suggest that agriculture is an important activity not only in terms of water distribution but also in terms of water reallocation due to changes in final demand and technical water needs. Keywords: Water reallocation, water distribution, exogenous shock, technical water needs.

Location Determinants of New Firms: Does Skill Level of Human Capital Really Matter?

This paper is about the role played by stock of human capital on location decisions of new manufacturing plants. We analyse the effect of several skill levels (from basic school to PhD) on decisions about the location of plants in various industries and, therefore, of different technological levels. We also test whether spatial aggregation level biases the results and determine the most appropriate areas to be considered in analyses of these phenomena. Our main statistical source is the Register of Manufacturing Establishments of Catalonia (REIC), which has plant-level microdata on the locations of new manufacturing plants. Keywords: agglomeration economies, industrial location, human capital, count-data models, spatial econometrics.

Industrial Location and Space: New Insights

This paper tries to resolve some of the main shortcomings in the empirical literature of location decisions for new plants, i.e. spatial effects and overdispersion. Spatial effects are omnipresent, being a source of overdispersion in the data as well as a factor shaping the functional relationship between the variables that explain a firm’s location decisions. Using Count Data models, empirical researchers have dealt with overdispersion and excess zeros by developments of the Poisson regression model. This study aims to take this a step further, by adopting Bayesian methods and models in order to tackle the excess of zeros, spatial and non-spatial overdispersion and spatial dependence simultaneously. Data for Catalonia is used and location determinants are analysed to that end. The results show that spatial effects are determinant. Additionally, overdispersion is descomposed into an unstructured iid effect and a spatially structured effect. Keywords: Bayesian Analysis, Spatial Models, Firm Location. JEL Classification: C11, C21, R30.

A never-ending debate: Demand versus supply water policies. A CGE analysis for Catalonia

Water scarcity is a long-standing problem in Catalonia, as there are significant differences in the spatial and temporal distribution of water through the territory. There has consequently been a debate for many years about whether the solution to water scarcity must be considered in terms of efficiency or equity, the role that the public sector must play and the role that market-based instruments should play in water management. The aim of this paper is to use a Computable General Equilibrium (CGE) model to analyze the advantages and disadvantages associated with different policy instruments, from both a supply and a demand viewpoint, which can be applied to water management in Catalonia. We also introduce an ecological sector in our CGE model, allowing us to analyze the environmental impact of the alternative policies simulated. The calibration of the exogenous variables of the CGE model is performed by using a Social Accounting Matrix (SAM) for the Catalan economy with 2001 data. The results suggest that taking into account the principle of sustainability of the resource, the policy debate between supply and demand in water policies is obsolete, and a new combination of policies is required to respect the different values associated with water. Keywords: Water Policies; Computable General Equilibrium Model; Economic Effects; Environmental Effects.

Simulating the Impact of Sectorial Productivity Gains on Two Regional Economies: Key Sectors from a Supply Side Perspective

In this paper we simulate and analyse the economic impact that sectorial productivity gains have on two regional Spanish economies (Catalonia and Extremadura). In particular we study the quantitative effect that each sector’s productivity gain has on household welfare (real disposable income and equivalent variation), on the consumption price indices and factor relative prices, on real production (GDP) and on the government’s net income (net taxation revenues of social transfers to households). The analytical approach consists of a computable general equilibrium model, in which we assume perfect competition and cleared markets, including factor markets. All the parameters and exogenous variables of the model are calibrated by means of two social accounting matrices, one for each region under study. The results allow us to identify those sectors with the greatest impact on consumer welfare as the key sectors in the regional economies. Keywords: Productivity gains, key sectors, computable general equilibrium

Maria-Antònia Oliver, traductora

Maria-Antònia Oliver i Cabrer (Manacor, 1946) és una de les poques traductores al català que han aprofundit en la teoria de la traducció i que han plasmat els seus pensaments sobre paper. Coneixem a bastament el seu vessant literari gràcies a un bon grapat d’estudis que s’han dut a terme des de diverses universitats dels Països Catalans i també des d’algunes de fora de les nostres fronteres. Amb tot, la faceta de torsimany sovint ha estat esmentada de passada, malgrat hagi portat al català autors i autores de renom com ara Virginia Woolf, Herman Melville, Italo Calvino o Mark Twain. Maria-Antònia Oliver, traductora situa l’autora en el moment en què ha traduït, se centra en la seva idea sobre la traducció, cataloga les seves traduccions i visibilitza la figura d’una traductora prolífica.

Internal and External Determinants of Radical and incremental Innovation in SMEs: the case of Catalonia

There is a major concern in economic literature about innovation, which is the interaction between internal and external factors.. In this paper those activities are hypothesized as being determined by some territorial characteristics like labour skills, technological infrastructure, educational facilities, agglomeration economies and industrial structure. This assumption allows understanding why those innovative activities are not spread across space and are located into specific areas. We use a detailed survey containing microdata for 497 SMEs located in Catalonia.

Environmental Tax on Products and Services Based on Their Carbon Footprint: A Case Study of the Pulp and Paper Sector

The main aim of this work is to define an environmental tax on products and services based on their carbon footprint. We examine the relevance of conventional life cycle analysis (LCA) and environmentally extended input-output analysis (EIO) as methodological tools to identify emission intensities of products and services on which the tax is based. The short-term price effects of the tax and the policy implications of considering non-GHG are also analyzed. The results from the specific case study on pulp production show that the environmental tax rate based on the LCA approach (1,8%) is higher than both EIO approaches (0,8% for product and 1,4% for industry approach), but they are comparable. Even though LCA is more product specific and provides detailed analysis, EIO would be the more relevant approach to apply economy wide environmental tax. When the environmental tax considers non-GHG emissions instead of only CO2, sectors such as agriculture, mining of coal and extraction of peat, and food exhibit higher environmental tax and price effects. Therefore, it is worthwhile for policy makers to pay attention on the implication of considering only CO2 tax or GHG emissions tax in order for such a policy measure to be effective and meaningful. Keywords: Environmental tax; Life cycle analysis; Environmental input-output analysis.

Memòria final : Practium I de psicologia clínica al Centre de Salut Mental d'Adults del Segrià (CSMA) de l'Hospital Santa Maria de Lleida

En aquest treball es recull tota una sèrie d'experiències pràctiques i teòriques que permeten que ens endinsem en l'aprenentatge del rol del psicòleg clínic en un centre de salut mental d'adults, com també en una unitat sociosanitària, i veure les diferents eines d'avaluació i intervenció emprades en diferents psicopatologies.

Els referents clàssics en l'obra de Maria Àngels Anglada : Una lectura de Sandàlies d'escuma

Maria Àngels Anglada s'inscriu en la tradició d'una mena d'escriptors que segueixen i forgen tradició literària. En aquest sentit, la seva obra és deutora de la cultura grega segons els paràmetres de la poètica de la mimesi. Aquest fet és prou evident en la novel·la

Memòria Practicum II : Gestió de Serveis Sanitaris, Hospital de Sta Maria de Lleida, Unitat d'Aguts, Servei de Psiquiatria

Memòria del Practicum II realitzat a la Unitat d'aguts del Servei de Psiquiatria de l'Hospital de Santa Maria a Lleida.

Les fundacions de Santa Maria de Cervià i Santa Maria de Vilabertran en el context de la societat feudal (1053-1069)

Descripció de l' evolució del llinatge dels senyors de Cervià i la fundació del monestir benedictí de Sta. Maria de Cervià l'any 1053 i de la canònica de Sta. Maria de Vilabertran l'any 1069 en el context de la societat catalana del segle XI

Roses a l'antiguitat tardana: el cementiri de Santa Maria

Article sobre els resultats de les excavacions a Roses que daten de entre l’antiguitat tardana i els inicis de l’alta edat mitjana, concretament es tracta del cementiri de Santa Maria

El clam de la dona enamorada : 'La germana, l'estrangera' de Maria-Mercè Marçal. Interpretació tipològica radical de la paraula poètica

Interpretació del recull poètic 'La germana, l'estrangera' de Maria-Mercè Marçal a partir de la tipologia radical de Dolors Oller. Ens proposem amb aquest treball copsar les actituds interrogatives de Maria-Mercè Marçal subjectivades en clau de dona, d'amant i de mare, situant el lector en un discurs visionari el qual es gestiona a través de la paraula poètica simbolista. El recull és un clam de dona enamorada que reflecteix les interioritats de la pròpia experiència vital de l'autora.