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This article considers several aspects of the economic decision making of the poor from the perspective of behavioral economics, and it focuses on potential contributions from marketing. Among other things, the authors consider some relevant facets of the social and institutional environments in which the poor interact, and they review some behavioral patterns that are likely to arise in these contexts. A behaviorally more informed perspective can help make sense of what might otherwise be considered "puzzles" in the economic comportment of the poor. A behavioral analysis suggests that substantial welfare changes could result from relatively minor policy interventions, and insightful marketing may provide much needed help in the design of such interventions.

"In the context of a public safety net focused on limiting dependency and encouraging participation in the labor market, policymakers and researchers are especially interested in individuals who face obstacles to finding and keeping jobs. The Enhanced Services for the Hard-to-Employ (HtE) Demonstration and Evaluation Project was a 10-year study that evaluated innovative strategies aimed at improving employment and other outcomes for groups who face serious barriers to employment. The project was sponsored by the Administration for Children and Families (ACF) Office of Planning, Research and Evaluation in the U.S. Department of Health and Human Services, with additional funding from the U.S. Department of Labor. This report describes the HtE programs and summarizes the final results for each program. Additionally, it presents information for three sites from the ACF-sponsored Employment Retention and Advancement (ERA) project where hard-to-employ populations were also targeted. Three of the eight models that are described here led to increases in employment. Two of the three - large-scale programs that provided temporary, subsidized "transitional" jobs to facilitate entry into the workforce for long-term welfare recipients in one program and for ex-prisoners in the other - produced only short-term gains in employment, driven mainly by the transitional jobs themselves. The third one - a welfare-to-work program that provided unpaid work experience, job placement, and education services to recipients with health conditions - had longer-term gains, increasing employment and reducing the amount of cash assistance received over four years. Promising findings were also observed in other sites. An early-childhood development program that was combined with services to boost parents' self-sufficiency increased employment and earnings for a subgroup of the study participants and increased the use of high-quality child care; the program for ex-prisoners mentioned abov

"The factors are: age and gender recency of work experience job seeker history educational attainment vocational qualifications English proficiency country of birth Indigenous status Indigenous location geographic location proximity to a labour market access to transport phone contactability disability/medical conditions stability of residence living circumstances criminal convictions personal factors"