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Who Participates in Defined Contribution Pension Systems When Informality is High? Evidence from 20 Years of Administrative Records from the Dominican Republic

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  • Joubert, Clement
  • Scot, Thiago
  • Maríñez, Isaac Rafael
  • Regalado, Pietter José
  • Flores, Tatiana
  • Rodriguez, Nicolas Garces

Abstract

This note is part of a collaboration between the World Bank’s development research group (DECRG) and development impact group (DIME) and the Dominican Pension Superintendency (SIPEN), the autonomous agency responsible for supervising the private pension system. The main goal of this collaboration is to leverage the rich administrative data managed by SIPEN to provide insight on the performance of the pension system for policymakers and the public and conduct academic research that can guide pension policy in the DR and beyond. In particular, the administrative records of pension contributions constitute a complete dataset of matched employer-employee data, providing a comprehensive view of formal labor market dynamics and complete formal work history for individuals. The World Bank and SIPEN teams collaborated to extract a representative data sample suitable for data analysis and policy research, described in the data section below. While this study centers on the examination of contribution density patterns disaggregated by gender and birth cohorts, Appella and Zunino (2025) concurrently conducted a complementary analysis using the same dataset, with their research focusing specifically on estimating the determinants of contribution transitions.

Suggested Citation

  • Joubert, Clement & Scot, Thiago & Maríñez, Isaac Rafael & Regalado, Pietter José & Flores, Tatiana & Rodriguez, Nicolas Garces, 2025. "Who Participates in Defined Contribution Pension Systems When Informality is High? Evidence from 20 Years of Administrative Records from the Dominican Republic," Social Protection Discussion Papers and Notes 202770, The World Bank.
  • Handle: RePEc:wbk:hdnspu:202770
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    References listed on IDEAS

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    1. William E. Even & David A. Macpherson, 1994. "Why Did Male Pension Coverage Decline in the 1980s?," ILR Review, Cornell University, ILR School, vol. 47(3), pages 439-453, April.
    2. Emma Aguila, 2011. "Personal Retirement Accounts and Saving," American Economic Journal: Economic Policy, American Economic Association, vol. 3(4), pages 1-24, November.
    3. Palacios, Robert J., 2003. "Pension reform in the Dominican Republic," Social Protection Discussion Papers and Notes 29140, The World Bank.
    4. Joubert, Clement & Todd, Petra E., 2024. "Gender pension gaps in a private retirement accounts system: A dynamic model of household labor supply and savings," Journal of Econometrics, Elsevier, vol. 243(1).
    5. French, E. & Lindner, A. & O'Dea, C. & Zawisza T., 2022. "Labor Supply and the Pension Contribution-Benefit Link," Cambridge Working Papers in Economics 2248, Faculty of Economics, University of Cambridge.
    6. Henrik Kleven & Camille Landais & Johanna Posch & Andreas Steinhauer & Josef Zweimüller, 2019. "Child Penalties across Countries: Evidence and Explanations," AEA Papers and Proceedings, American Economic Association, vol. 109, pages 122-126, May.
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    8. Klerby,Anna & Larsson,Bo & Palmer,Edward, 2019. "Bridging Partner Lifecycle Earnings and Pension Gaps by Sharing NDC Accounts," Social Protection Discussion Papers and Notes 136541, The World Bank.
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