點解努力賺錢仍然冇錢？因為你從來唔知道自己的錢去咗邊？《窮人經濟學》

窮人需要的不只是食物，而是一次翻身的機會！

在許多國家，貧窮線最初的設定是以食物的攝取為標準，認為飢餓是窮人生活的主要困境。隨之而來的扶貧政策，目標也在於解決飢餓問題，因此編列預算配發糧食或補助窮人購買糧食。這套政策背後的邏輯相信，攝取足夠的熱量之後，就能投入工作，賺取薪資養活自己，最後擺脫因飢餓而沒有體力工作的惡性循環。

然而真是如此嗎？

兩位作者蒐集資料後，卻發現糧食補助政策並未增加窮人對於主食的消耗量，他們寧可把省下的錢用來購買更美味的食物。窮人與一般人本無二致，人人都喜愛從食物獲得心靈的慰藉，但窮人卻被化約為一套投入熱量、產出動能的生理機制。

本書即是兩位作者十五年來的研究成果，期間造訪數個國家，瞭解每日支出低於一塊美金的人們如何過活。這類關於貧窮的想像，就是《窮人的經濟學》所要檢視之處。

以堅實科學精神，導正失敗社會政策。
讓窮人的經濟學，取代菁英的經濟學。

本書藉由解答窮人「不合理」的行為與怪異的現象，剖析相關政策失敗的原因。為什麼窮人不使用免費的保健服務，卻願意支付昂貴的手術費用？為什麼在同樣的班級，窮人家的小孩就是學不好？為什麼要先借貸才能儲蓄？為什麼貸款做生意，收入卻總是成長不了？

缺乏資源的窮人錯失人生的各種機會，沒有實質參與社會的基本能力，而平白流失的人力與才華也是國家的損失。本書提供詳實的統計資料與實驗結果，告訴我們貧窮並非無法終結，關鍵在於以謙卑的態度傾聽窮人的聲音，誠實面對各項數據，讓窮人的經濟學取代菁英的經濟學，並且做為政策制定的依據。
產品目錄
推薦序 富裕的家庭都是相似的，貧窮的家庭則各有各的不幸／林明仁
推薦序 面對社會不正義的貧窮經濟／陳東升
推薦序 認識貧窮的本質／張弘遠

前言
第一章 再想想
第二章 十億人餓肚子？
第三章（全球）更健康有那麼容易嗎？
第四章 階級頂層
第五章 Pak Sudarno的大家庭
第六章 赤足的避險基金經理人
第七章 來自喀布爾的男人與印度太監：窮人貸款的簡單（不簡單）經濟學
第八章 一磚一瓦的存
第九章 不得已的創業家
第十章 政策與政治

Transcript

SPEAKER_01 0:05

Come on, I got himsula con yan gang. Kong Yan. Top ye see tiger men. Hung for garden, the sound tier. Hunger guarding. Got your cockabahan. Hell yeah, lots of the anger, the sound here. Pang Kong gardener. Dim Gaul Kong Hamatai Kong Yan, Yao Lan, Yao Chun, Yam Low Leg Yao Tam Sum, you think you got Mikong Zang Yambu ging to hog your duck to Kao Ma like a penga or tosha fat Kai Suna Pan Kong Sinamaj. Muy at Tai Yan may come tai build and zihala. Shin sai guai ha shugg suck sangayana buy at sungbu fai, hai tai go som. Complete mo su tam toll tai san chin pinjun sang kong fuya. Yi mala legy hango fatacoka ketae sa kung. Don't jo na do heinsi pudo some layer to my hangway boufan. Kiz at the whole chang, compli monsu ja legito, Kong Yan Jong, Zi Yam Lady Yan Seng Hangwai to my some lay. Holdos Yao Mam Kong Yan m low like Majakalan, Yanakut teach upham zangtium funch day. So it's a late on here two haul on with Ham yebo pan kon zengang yimbofatzi patye. M s me titola uhong to my wula jugin yao. Kum dog zeng ful taikung jodi maya tong siumak bow tip, lingdog go seg bajong, pankonga tang, comeeta ho yi kaumakang dog segmana. Tata kongon king j sa go sing mydi so. Thu segma, tju lanzega than maya siumak idea. Cosin jat ma dila pancy segundola, pantak holdila, com so di segma. Com kiss a little gandangol, but yi hon my quite pansi segndola, sonyo china, tumely chinosan ma ji holdia to gaium do may logman tiger, cum kan whai king the hog a yin gol cang xi yun, you han. Tongsi do yin zong, ji song but woon yi moba cobinis yao, cajo ton pang. Jinju yu dim yungo some would be that moleu. Yan chila le yukewa kongyan dun si gang lei, but y valle koha yan no hang like a guan seng. Womondo zida yan, ham yap pan kong ham zhang yiba t. Kum y gasik pan kung ham zheng, come to ligo soyap as coxin. X jok, telly kamagasoya, why joke, sale may logaso ya. They lun shan a saw zi pangang a jong tie come megasoya pangyu, tangaso ya. The do you ham yap pan kong ham zang and gone, may log a soyapu big gamakangasil. Kamlia gota wo logo to go sing yiha. Gang hob hagia rock san chanwa y lay yut kon. Yugody pan kong jang zing or yan, may log a sawyaple, chaibu bake tamakango, so could they wo you lay yu full yao. Pakole jig a ja chandak dom d you lay uh wukanggao chin. You chantak to side gangato, yanginha boche, so chi panganziha, lingumakaso yap, dang you lit hang a so yap. Some di will tido ham zang uh lay atang will you pin yukong. Kum sujonga jum do yam loi some la hangwai guan sengna, no k jong head and yung do yi kedi pangong jang, yeah msi some title taba jaga he could gum jo senge dun si gun le Hangwaking tao kin sila kongyun to yu la punjok hay ganga kanga pinho. Yi mig yin si munjok, h wuncha made like a so yek. Kum little pinola he kongyan no mina kei mangyin. Ti yun hei kut to my sungwood atleck, lino konyan gangak hone, suntaksi a su sektung philo, yi ma chan kikatao si, da yukong yan hola si mad bo tinsi geho yu lo. Yi my jung sin tau yap ho gao yok to my techho. Yi my texia philo gum, lungabon jovede jam si mon gate, pankon gingalek, sata janger, lidi yanak. Hop sang van ying a ja liako song with ya kig gum. Yanaso sang ching a donleca, hodo kon yangin seer, could choke y chin sing down my young dog mama, could sublin, some tifu gangalo, high loy fun night ho tin, her sin my chi bow di mungana, um king din some le hog me fatong such yiming on a ziddo. Saigo langa yinti herno gyanna taigo sangobiga go. So, rabbin sipon ya ziddo, layo yinti herlo, but go mode little joko. Yo lam sipang yao. Yagole, so gagging cho pangia uh sick tongue sip bang gone song sector weao Bigoleti days of garden I said a baratow sill tongum yaga mi faton by nan si nickel the pinya sipon yonga yan jum secner. Little so gong tayko pangong hum tang Little Tigongan he kick gum cho sange dun si gun le Kong Yaneti and he kick a jong taiha king so yang foo tong tin san chin soy cow km bob jungi and fun pudo goisim lock tho dis me. Ki dim tai chapjon, dim yang wood lock, y my dim young goisy me like le jung dunkei do hungu lenga day lanyi bite kut pankong. Yungle punyan woo ydo jong fong hag a su cokang, yumodum may like si kimukam gok, tong haga hang sao, sinai chan sat. Yet dan sausam me outdo a sina jungu uh sin lole uh sina tao si chang ten a sin gon, chato kan yiga legalin di or the so gong yeti yan code si why tom pangle jim low leg to lo em do. Sidman bulala, but it's alright. Check a sung with go go to be some her gong, yago go, hung go hai shinsa gai, cajunga go choigo siufai gago, the sang with silfai jo go as I can see. Come some second silly wonder she won't you son Tabido gona. How could they go uh Tim Yung for some yadai house was in uh clear mochin with a mo sick to gasu hokay ha what yin go haga tom sai Yinji but joke kifa teason kon yan woman kif a joke gao yuk ng kundo ho woke son Hansa yoka singui to my gobin sungle ki fatisek ha with do ziko day mobanfa lai guai to my banga chong jo gay to ho lang with doji dole ithom ye cho mokita lingle hamyap gangasamge quang gang don kong yan ta yat me gum kwayaga sangwo ti in face on yo han bozi din si tai su yu chin so the moba fatzi do saiga so and kata siwa la so don y se you yek mi wehoi fong si ponyota do matan saitina toi bam me lo sang bang kepongai ho siu tauji kao yok langao hem melo fan junga tengai jong fong kanga motai hodo kong yan du jungemang man Zunova ne kundole kikkeyaohan, cruzo to poganko to lan gara. Ya puna yjon fontai, Ham yap tai choka yulok, g lek fanza. Bonlo zin face ny dog yin dong ying zipa chukajun yan top hop tie chi son bata. Tido a di son fansan ji leg, gas and sungwood art like chan sanga he could gum, doji leo zin jak tai choca yulok, her phon song si. Hog a teason won sio siu holo low like j dong hockup. Saugong yinguido sailer, chonggyofasian hockup, taigo yang si, lama the go, I lam N K Bay him so de Kong Yan min the fong him, high be a pento. Yum go de hollang chungabo him judo chong, the hold upan kong si hai guokale, hai mo bo him. So kon yan do fong him tai kon like face and ya, bodon sang bang than a fashion found to mob zifuung. Pai say pan kon si why chin si chung hoy san min ge choi polosi do ye go wong zi jo but ma long. Khosian tio hig yung son bak diale sex or two hut to the milesol. You see the kumya two huntin san kou hei moun tinsan h chili with sang meng. Y song zigans so come don't teen san y chi jug di jan sang, then doko wood colo, ping chet, tong wong si saniko hai jung xi in si or yin y some leg in jung sun tat yao pas sun tat mo Saijo but malonghao yang. Kong my jai mos sang son with sang gong more s by hau tie with sub yung sing a jung pan quan si white little si while lino kon yan gumdo mo le gobin yin jong the male s heimo guming up pan conjana will ling and de sing tom pan, fan zeng molen diminole the gobim do san gobim no men one form he sen sick gobin bega fight kangahopa lazy you say we get tai came mon jack tong for win buchin haganga junip bogak and jingi. Zilla yun hai pan kwanga tang jun dagasu pang yao, hai wuj mäch away yan, get tai came mong Yi Sun he hot yi. Yumigale moban for double pan kwan yuming one. Gumjon yina yin jok jokan gang. Dime silfai humjang. Silum tado gusil, Hang a longfu zong tin, yulango le sadi fado, zha we yisapu ye so. Ten lo homeho, gum you sila, couldn't mean five faded long full, bong they toot lay pan quan hum zang, lunch, yong jo faleo, so zeng, bo jang yi sapoi, chin chan tin soy my fail you, come yung lo yet tengutipan mo. Gum longfuyah white china so mean five fadio, to janotin, diaman joler. Moban fat lindo long foun. You know chin do but si but fajover. Lauda lol em my failu a china uh two but si but mo joga. Tellang little sun bang uh fina, hold on go uh uh pangoki fun, ma j song like hey hang su chin, marichachi pan, dang dun dung. Fan yum mochin junyan silfai, lemma yiway tip kon yanagum, chi maning sang, legula si ging ling on night, chan that dog, side gangado, quad jung day bowler, cra my hong long far said bang okay. Gum do ina don si ya zong tin ho one do chin. Mobin chau is dogam saifat, lim po chan. Y lingao in one dong wa hon bodo, chessabapesang zik yip may sick to cowin sail lean zilo chi munge, some di ful simbo po tan, loxapasang and bigal yun, we toyao zihal m shogam. Sandak dog, so side dog. Y shell white zi chan jugle kanga penolikong. Lia dim mo yan yao si nyan, two ydo young pan kong ham tang. Little come make a so yap, dang you, man ting a soy up, man ya le ham yap little silver ham tang, side bait sandak dog, do zido main ting a so yap. High silgo, come aga soyap. Come little ham big pan kong ham zangok san chanwa. Libun kon yang yang tai ho bango kong yan tizo ykon, hemway, tido pan kong ham tang. Pan kong ham tangan dan ysi. Fu yu gatang, do son chi, pan kongatang, to go yo go but hang. Son yu kong yan ti pan. He sulum title gang on the wabingola, jingai li pai china, li by pi fo la bo jolem gow Bengole hai gai kut lazy matkikong, sung do some lay sum lengsang kong, keksahodo. Tong young ham jangbuigan, do you do m da ham janger. Hek gamla, yangzi pat chocla, butsi behiml, pankon siwai, the my silvi ham jang. Tiny bunchula leho chongsa gimsi some tai so the mujo tio zeng, big a little chilo ham jang batsi, muyat tai sen tigate, some lay moon jok, litam muya hekum, muyat yut, tai go tsia yangsi, muyat gimsi, moy din her gimsi bow himna, tausila, si na yang setas, muyap abitido, liat tengu sang gonga yet, ingo young jong, mo bit you, yet wunya. Com to you ch mo chong von ten jong lana, yet ten yu gay jung, moolin kim si gay, janjon fong nya mo san jung, so yan to hymong, may lug a so yapo kamga soyap. Yulim gay so lit her casting to come sino hona, it chanduc do a side dog, come so chong late to highway hum yap lo pancon hum jang me. Hodo myang tai gay junger, chan white han so yap yun yun tai yuhoi ti moon but yok sikana ja sa yingao dim changan tin, the lidian hai toim so yu gai jang, dieapunyan, litun twi pangya hei sausek Tag Sinha gay die leg a te shot lawy, hoja pindo. Chan mokeng chosin chyba bypanko. Come uhai myhunchu gay win gong. Some sifu tie fan vajaniman vanti uh Yao Sin Gajo Gay for man. Kekua, Dagisho gay di Nimekman Saya Bindo. Muap man do gay lo coco gay jum bowdo. Don't let fan oh you know they come go you sa in dollar, gapesena, g chin man happened opin dollar, you lose a minor gasina, don't let you already call him. The so much to one in sea mehoye ho si gay sola, come got to got a song by two pangs. So hang dongla ching mojo hedo one one chong chong folk folk low low look look young yong look come hedo guy to can easy some wood. Let's hand with the dog saniko. Little dog san dicko, legal jo these in baby. Jung better than gong one z dialet you see come to see hors and boon tell ho gigas since the title, come to a bow himla, do I couldn't neglect him. Come on, tiger. Don't go sick. So I hope you say, than you channel.