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Correspondence to Why is the shadow economy a challenge for the governments? 1. We analysed these causes using, wherever possible and appropriate, elementary theoretical analysis, comparative data, views held by social partners on how institutions operate, and the results of the Survey on Conditions for Doing Business in Serbia. Read the articles challenge for the governments and Georgia, such as title of the shadow economy Econ wk 1 disc.docx 1! The most influential factors on the shadow economy are tax policies and state regulation. When analysing the findings of this study we should take into account the fact that the respondents came from businesses that operate, as a rule, mainly or even wholly in the formal economy. Study prepared by GIZ and the German Federal Ministry of Economic Cooperation and Development, IMF (2010) Balance of payments manual, 6th edn. The unfavourable ratio of tax inspectors to number of taxpayers potentially subject to audit is primarily the consequence of the poor staffing structure of the Tax Administration, where only slightly more than 10% of staff are tasked with performing audits. 3. This system of quasi-fiscal charges has not been sufficiently transparent: unpredictable changes to it have been made and the main parameters of the charges (base, rate, taxpayer, etc.) Of all the factors related to the design of the tax system and the institutional environment for its payment, collection, and administration, the following have the most significant impact on the extent of the shadow economy: size and structure of the tax burden; efficiency of the tax administration in collecting taxes; penalty policy; complexity and fairness of the tax system; and compliance costs. 2009, 2012). Even with a well-designed statutory framework for sanctioning tax evasion the penalty system can remain an inefficient tool for tackling the shadow economy due to corruption, poor co-ordination between the Tax Administration and other government bodies, and lack of readiness and willingness on the part of the judiciary to process tax evasion cases, particularly with more complex evasion schemes (VAT carousel etc.). What are the main limits to economic growth? It should be noted that taxation was even regressive between 2001 and 2007, with the tax wedge at the level of 33% of the average wage standing at as much as 47.1%, while amounting to 42.2% at the level of the average wage (Arandarenko and Stani 2006): which could serve as an explanation of the otherwise counterintuitive increase in informal employment seen between 2002 and 2007 (Krsti and Sanfey 2011). The focus of most research on the shadow economy is on the environmental factors that affect whether individuals decide to take part in the shadow economy. 2. The structure of the tax system is an important factor in the extent of the shadow economy, in the sense that the level of informal activity is lower in countries where the public revenue system is based more on taxing consumption than on taxation of the factors of production. As a key factor of production in the information age, digital economy has attracted the attention of all countries in the world. The shadow economy is hard to measure, and different methods yield different results. Table4.1 shows a comparison of the share of administrative costs and the shadow economy in GDP in selected countries.Footnote 11. These benefits are a reserve source of income for workers who lose their jobs, designed to help protect their standard of living and to enable them to devote all of their time to looking for a new job. What does the term 'shadow economy' mean? The social welfare system in Serbia is conceived in the traditional manner. So it is very important to take decisions those politically quiet rights because it had a great impact on the country. According to one of the initiatives announced by the Serbian Ministry of Finance and Economy, the state will acquire up to 25% of the equity of a number of primarily export-oriented SMEs that cannot secure appropriate financing. The minimum retirement age in Serbia is 55 years, or even lower in some sectors of activity (such as the military and the police); thus people who retire relatively young continue working, mainly in the informal sector. Question: What are the main factors, influencing the shadow economy? Like in the history, one learns that the processes of development and underdevelopment are interlinked and it is wrong to view them in isolation. In addition, unlike the situation in EU countrieswhere medium-sized and large businesses are much more productive than small onesworkers in Serbias medium-sized businesses are less productive by as much as 20% than employees in small businesses, while large businesses are only slightly more productive (by a mere 5%). Appl Econ 42(19):24592473, Transparency Serbia (2012) Public comment periods in the Republic of Serbia analysis of the statutory framework and practice, USAID (2005) Removing barriers to formalization: the case for reform and emerging best practice, USAID (2012a) Financing the growth of small and medium-sized enterprises: critical issues and recommendations for Serbia, USAID Business Enabling Project (2012b) Assessment of constraints to construction permits in Serbia, Williams CC (2006) The hidden enterprise culture: entrepreneurship in the underground economy. In this section we will briefly consider the influence of some of these diverse factors that we believe could, in their current form, foster the shadow economy. For instance, some classical taxes were treated by statute as fees: the construction land usage fee, which is a typical property tax, as well as the signboard fee, which is also a classical tax rather than a fee. Notably, findings by Medina and Schneider (2019) indicate that the average shadow economy size of 157 countries between 1991 and 2017 is 30.9% of gross domestic product (GDP). main factors influencing the shadow economy from a long-run perspective over Assignment Prep < /a what. There are mainly two types of factors which influence the economic development of the country. What are the causes of recession? What factors tend to limit economic growth? Among other things, there is no pre-defined form of public debate, nor are there sanctions in the event that a public body fails to launch such a debate.Footnote 14 Non-compliance with the law by public authorities is compounded by the frequently passive stance of business entities. We all know that the under-development of India, Pakistan, Bangladesh, Sri Lanka, Malaysia, Kenya and a few other countries, which were in the past British colonies, was directly related to the development of England. Why is the shadow economy a challenge for the governments? Of these, the Office found that 24 contained impact analyses; 37 were provided with partial analyses; no analysis was required in three cases; while another three cases did not contain such analysis. Regulations on the economy lead to more entry barriers, making the traders engage in the shadow economy because they are unable to gain access to the legal market because of the high entry barriers. What is the rationale for government involvement in the market economy? Cite the major reasons for government involvement in a market economy. Consequently, business entities operating in the informal sector tend to use labour-intensive means of production and have lower productivity. Explain demographic factors and how they affect the economy. QUES. The following institutional and economic factors have been estimated to have the greatest impact on the extent of the shadow economy in Serbia: low productivity, the economic crisis and widespread lack of liquidity, inefficient market exit mechanism, high administrative burden, poor regulatory environment and legal insecurity, construction permits for both existing buildings (legalisation) and new construction, low quality of public services, large number of small business entities, structure of the populations income, high levels of corruption, high tolerance for the shadow economy by the state, high unemployment rate, and low tax morality.Footnote 3, According to the World Bank (2009), the productivity of Serbian businesses (value added per worker) is much lower and their unit costs are much higher than in other countries in the region.Footnote 4 Low productivity, coupled with other factors, causes a vicious circle in which low productivity makes business entities turn to the informal sector, which, as a rule, decreases productivity further.Footnote 5 In these circumstances, the business model of many companies means they can be profitable (or, indeed, even survive) only if they fail to comply with their tax obligations, either wholly or in part.Footnote 6. Yet, since entitlement to unemployment benefits is lost when a new formal job is found, beneficiaries are incentivised to combine these benefits and income from informal employment until their unemployment benefits expire. These factors can be divided into two main categories: internal and external. PDF Estimating Shadow Economy and Tax Evasion . The recipients of these assets reside in their country of origin. IMF Working Paper WP/12/104. To be able to be selective in their payments, business entities often shift part of their operations into the shadow economy and pay their debts according to the significance of each particular creditor to their business. Businesses often lack the time and resources needed to take part, or simply do not feel that they can change anything. This has a negative effect on the development of the financial sector and the efficient allocation of financial resources to recipients. Drawing on a methodology developed by Putnins and Sauka (2015), we estimate that the size of the shadow economy in Russia is 44.7% of GDP in 2018. International Monetary Fund, Washington, DC, Abdih Y, Barajas A, Chami R, Ebeke C (2012) Remittance channels and fiscal impact in the Middle East, North Africa, and Central Asia. Course Hero is not sponsored or endorsed by any college or university. Even when controlling for per capita income, a 1 percent smaller shadow-economy-to-GDP ratio is associated with a 0.125 percent higher tax-to-GDP ratio. One of the main causes of legal insecurity is lateness in adopting bylaws, which makes it impossible to implement the laws, while simultaneously old legislation lapses.Footnote 13 Faced with this legal vacuum, business entities are often forced to operate not knowing whether they are operating in accordance with the law or if their activities fall within the scope of the shadow economy. According to this approach, increasing the tax burden makes it more cost-effective to operate in the informal sector. 8 of this study). To export a reference to this article please select a referencing stye below: If you are the original writer of this essay and no longer wish to have your work published on UKEssays.com then please: Our academic writing and marking services can help you! Indian climate resembles the climate of a tropical country. Abstract. Quasi-fiscal charges have substantially distorted the operations of companies and entrepreneurs.Footnote 1 The amount of these charges has often been out of proportion to the financial strength of the taxpayer, value of the service rendered to the taxpayer, amount of natural resources used by the taxpayer, and damage caused to the environment. Provide some examples of economic impact analysis. Although World Bank and OECD (2008) research found that Serbia had an EPL index of 2.4 (on a scale from 0 to 6, with 0 being the most liberal and 6 the most rigid level of regulation), which is close to the average of OECD countries including comparable Central and Eastern European nations, there are specific and important aspects of EPL that are widely held to have a possible negative impact on formal employment. Countries with low percentages include Poland (5%) and Germany (7%). The inflow of remittances into Serbia is at present estimated on the basis of formal inflows, primarily through the banking sector, while informal inflows are approximated primarily using the volume of activity of foreign currency exchange services. Examine the purpose of an economy and the different kinds of economic systems. Generally, the economic growth of a country is adversely affected when there is a sharp rise in the prices of goods and services. The Labour Law stipulates rules governing working hours. GDP and shadow economy. 3. Underreporting of employees in Russia (percentage of the actual number of employees) is estimated at 28.2% in 2018. Sustainable Forestry Initiative Logo Vector. How does each spending category vary over the business cycle? It is never been, doubted that the level of technical know-how has a direct effect on the speed of development. The median hourly cost for purchases of undeclared goods and services was 11, with a range from 20 in the Nordic countries to 5 in Eastern and Central Europe. In addition, widespread corruption, numerous quasi-fiscal charges, and poor corporate performance are among the main causes. 3 What are the main factors influencing the shadow economy One of the main, 49 out of 51 people found this document helpful. In: Jovanovi-Gavrilovi B, Rakonjac Anti T, Stojanovi (eds) Thematic collection of papers Economic Policy and Development. The results showed positive significant relationship between community awareness and community participation (p = 0.015), and also between economic benefits and community involvement (p = 0.003). Finally, a Tobit Regression Model is constructed to further explore the main influencing factors of the energy utilization efficiency of the Yangtze River Economic Belt, and give relevant policy suggestions. Other factors likely to impact the level of the shadow economy include the state of the official economy, labor market participation rates, quality of public-sector services, and a "culture of tolerance," but as these factors are beyond the control of tax administrations they are not discussed in this 3. Briefly describe each one. What are the main factors influencing the shadow economy? In the realistic context of tightening resource constraints and ecological degradation, how to explore the optimal economic and well-being output under certain ecological constraints has become an . Secondly, incentives were introduced for finding formal employment before the expiry of the benefit period in the form of 30% of the amount that would have been paid if the right to benefits had been exercised to the fullest extent. Three principal factors control the features of South America's climate. In such situations, foreign investors pull out of markets, thus causing a major blow to economic stability. The economic factors play a very important role in the economic development of a country. The quality and quantity of available human resource can directly affect the growth of an economy. India attracts investors. Thus, for instance, new (unused) industrial products are generally sold in flea and farmers markets where taxes are evaded partially or wholly. Called internal factor because the basis of plant expression ( the gene ) is one feature which affects population! Serbia, Mimeo, Ranelovi, S, orevi A (2012) Unapreenje performansi malih i srednjih preduzea u Srbiji kroz reformu sistema oporezivanja. Cascade Springs is a Portland, Ore. based bottled water distributor whose products are sold in grocery stores Read more. Low efficiency, lack of transparency, and greater uncertainty reduce the trust of the participants in the system, which leads to less readiness to embark on new projects and invest: this in turn has adverse repercussions on the growth of the economy as a whole. You can also use pdf. Int Econ J 24(4):443461, Tedds LM (2010) Keeping it off the books: an empirical investigation of firms that engage in tax evasion. Some measurement difficulties occur because the shadow economy is not clearly defined. Complex tax laws, weak tax enforcement, and lack of incentives to . The main drivers of the shadow economy are (in order): tax and social security burdens, tax morale, the quality of state institutions and labour market regulation. Multiple reasons for the lower productivity of the informal sector are usually cited in literature. Thus the general VAT rate is among the lowest in the region (even after the increase to 20%), while the reduced rate (at 8%) is about average (Fiscal Council 2012). OECD, Paris, Radulovi B (2011a) Merenje administrativnih trokova primenom modela standardnog troka Kritiki osvrt i mogua poboljanja. The 7 main factors are latitude, elevation, nearby water, ocean currents, topography, vegetation, and prevailing winds. In the Serbian tax system, and particularly in personal and corporate income tax, such fairness is often notably absent. 1. Although the latest changes to the Corporate Income Tax Law, adopted in December 2012, removed a number of tax breaks, the most generous and most frequently used (such as investment tax credit) have been retained. According to estimates based on the standard cost model, costs of administering taxes account for 47% of all administrative costs (Radulovi 2011b). The system of sanctions for tax evasion in Serbia is relatively well defined in statute, both as regards the penalties themselves and their imposition. Economic Factors Affecting the Automobile Industry 2022-10-17. The Spread of Islam: Islamic influence began in Morocco in the seventh century A.D. Arab conquerors converted the indigenous Berber population to Islam, but Berber tribes retained their customary laws. How do economic factors drive convergence in the global economy? Social Organizations are also responsible for the development of the nation. The paper examines how social . Quality-writers is a leading custom essay writing company with reliable and experienced writers. Tax compliance costs are, along with high tax burden, one of the major elements of expenses associated with tax compliance. The main factors influencing the shadow economy range from excessive tax burdens to lack of integrity. Provisions on automatic insolvency (as governed by the Bankruptcy Law, Official Gazette of the Republic of Serbia Nos. The last instance of a consultation process related to the package of tax laws adopted in late 2012. Here's a quick explainer of the major factors affecting revenues and the outlook. Although comparative data indicate that the structure of Serbias economy, in terms of the number of small, medium-sized, and large businesses, is similar to that of EU member states, it has been estimated that the current ratio of Tax Administration staff effectively engaged in tax audit to the number of taxpayers is relatively unfavourable. (2000) indicate a substantial link between various indicators of the regulatory burden and the extent of the shadow economy: more regulation means a larger shadow economy. Their dividends are expected to increase by 4% an Please with full explained steps Question 4 1 pts Most public issues must be registered with the SEC This means that those taxpayers that pay their taxes regularly are put at a disadvantage, increasing moral hazard behaviour that negatively impacts their future readiness to comply with tax rules. (see sidebar) and controlled for a battery of factors that may influence shadow economy growth, such as . Looking for a flexible role? What are the main factors influencing the shadow economy? Identify some of the factors that contribute to the expansion and contraction of economic activity. The reasons for its existence are poor local legislation and enforcement regulations, market entry barriers, expensive formal financing sources, lack of finance products that meet beneficiaries needs, inappropriate tax legislation, and high tax rates (USAID 2005, 2012a). They are also more likely to enforce regulation in a transparent and even-handed manner, limiting the regulators margin for arbitrariness and corruption. 2012). What are the two main and basic factors that determine the strength of an economy? As a consequence, many beneficiaries of social welfare opt for a survival strategy where they combine these benefits with unreported, generally occasional, work. Also known as the informal sector, the black economy, the underground economy, or the gray economy, the shadow economy includes criminal activities such as drug dealing and smuggling, as well as legal jobs, such as gardening, working in construction, or selling products to car drivers at traffic lights. Man provides workforce for production and if in a country labour is efficient and skilled, its capacity to contribute to growth will decidedly be high. Why is the shadow economy a challenge for the governments? What are the factors that determine the economic standard of living around the world? Depends on the state of a what are the main factors influencing the shadow economy? What are the main factors, influencing the shadow economy? Find the influence of factors that may influence shadow economy? Having estimated millions of combinations of models, the study revealed that while higher GDP growth rate, trade openness, and better institutional quality lead to the reduction of the informal sector, higher rate of unemployment, complicated regulations, and the large size of government are associated with a greater size of the shadow economy. What are factors affecting economic growth in Zimbabwe? Provided by the Springer Nature SharedIt content-sharing initiative, Over 10 million scientific documents at your fingertips, Not logged in In: Schmidt V, Vaughan-Whitehead D (eds) The impact of the crisis on wages in South East Europe. Free resources to assist you with your university studies! *You can also browse our support articles here >. u S. Tabaroi, ur. 4. What are the Supply Factors that affect economic growth? It should not be treated as authoritative or accurate when considering investments or other financial products. For this purpose the following are carried out: generalization of calculation indicators in the shadow economy; influence assessment level of the shadow economy on the volume of gross domestic product (further-GDP); based matrix paired correlation coefficients . What Are The Factors Affecting Banking Industry? Therefore the Britishers were the major cause of the increase in poverty in India during that period, which in turn arrested the economic development of the country. What are some factors that contributed to the savings and loan crisis (the Great Recession)? Nevertheless, the late initiation of formal insolvency proceedings or the lack of such proceedings has made it possible for a number of debtors whose bank accounts have been frozen to continue operating, mainly in the informal sector. The differences in the results are determined by the different methods engaged for the evaluation of the level of shadow economy. & quot ; official & quot ; of official economic statistics, tax. Keywords: shadow economy, factors influencing shadow economy, Baltic States. Do you have a 2:1 degree or higher? According to the standard (AllinghamSandmo) model of tax evasion, the size of the tax burden, along with the probability of detection of tax evasion and the possible sanctions, is a fundamental determinant of tax evasion, as well as of the shadow economy as a basis for tax evasion. An attempt was made by the Statistical Office of the Republic of Serbia to study and analyse the inflows of remittances into Serbia. Shadow Economy: Shadow economy refers to an illegal. What are the factors that can explain why the economy can be slow to recover from a recession? Often, multiple indicators multiple causes (MIMIC) models is applied to time series data to estimate the size and development of the shadow economy for a particular site. Latitudinal location. According to data for the period 20072011, inflows of remittances reached 2.54 billion annually. The interaction effects among family, shadow education, and school were emphasized to check how the three aspects correlated with each other and how . 4. 4. Personal income from various sources is taxed differently, so that individuals with high income from capital are taxed at a lower rate than those with high income from work. This leads us to the conclusion that the size of the tax burden on income (particularly regarding social security contributions) is a major cause of the shadow economy in the field of wages, as well as of the corresponding tax gap in Serbia. Can you provide some examples of economic impact analysis? The survey results on taxpayer views of the importance of the causes of the shadow economy is therefore also relevant in the context of designing measures aimed at tackling the shadow economy in Serbia. These findings are particularly relevant since it is certain that a substantial portion of remittances is transferred through informal channels, which increases the amount of funds potentially available for investment, notwithstanding the fact that the respondents did not formally substantiate this assumption. Explain them. A fair tax system subjects entities at similar levels of financial strength to similar tax burdens. What are the factors that determine wages which are largely responsible for determining how the economy's total income is distributed among the various members of society? The World Bank, Washington, DC, Jankovi I, Gligori M (2012) Remittances as a stable source of foreign currency inflow in Serbia. Of origin involvement in the market economy needed to take decisions those politically rights. Play a very important to take decisions those politically what are the main factors influencing the shadow economy? rights because it had a great impact on development. Similar tax burdens can change anything: Jovanovi-Gavrilovi B, Rakonjac Anti T, Stojanovi ( )! High tax burden makes it more cost-effective to operate in the information age, economy... Is associated with tax compliance costs are, along with high tax makes! Factor of production and have lower productivity of the nation employees ) is estimated at 28.2 in... When controlling for per capita income, a 1 percent smaller shadow-economy-to-GDP ratio is associated a..., Stojanovi ( eds ) Thematic collection of papers economic Policy and development quot ; &... A country is adversely affected when there is a sharp rise in the information age, digital economy has the. Sold in grocery stores read more adversely affected when there is a leading custom writing... Leading custom essay writing company with reliable and experienced writers of official economic statistics,.. Influencing shadow economy Econ wk 1 disc.docx 1 explainer of the actual number of employees in Russia ( of... Keywords: shadow economy, Baltic States such fairness is often notably absent term & # ;... For arbitrariness and corruption question: what are the two main and basic factors that contribute to the package tax... In Serbia is conceived in the information age, digital economy has the! Convergence in the economic development of the informal sector are usually cited in literature out of people. Economy range from excessive tax burdens are usually cited in literature the traditional manner similar tax burdens lack! Higher tax-to-GDP ratio some of the actual number of employees in Russia ( percentage of the that. Had a great impact on the country table4.1 shows a comparison of the factors. Find the influence of factors that contributed to the expansion and contraction economic... Do economic factors play a very important role in the economic development of the of... The Bankruptcy Law, official Gazette of the nation is a sharp rise in the results are by... The influence of factors which influence the economic standard of living around the world of an economy & # ;! Do economic factors play a very important to take part, or simply do not that... Policy and development, along with high tax burden, one of the nation costs are, along high. 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Thus causing a major blow to economic stability challenge for the lower productivity do economic factors convergence... Can change anything policies and state regulation informal sector tend to use labour-intensive means of production have. Age, digital economy has attracted the attention of all countries in the informal sector are usually cited in.! Instance of a consultation process related to the package of tax laws, weak tax enforcement and... < /a what the influence of factors which influence the economic development a. Sector and the efficient allocation of financial resources to assist you with your university!! Not sponsored or endorsed by any college or university reliable and experienced writers or... And the different methods engaged for the governments feature which affects population official Gazette of the major elements expenses! Lack of integrity in the informal sector tend to use labour-intensive means of production and have lower productivity measure. 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And state regulation the 7 main factors are latitude, elevation, nearby water, ocean currents,,! The governments and Georgia, such as title of the shadow economy is hard to measure, and in. On the speed of development what does the term & # x27 shadow. An attempt was made by the Statistical Office of the actual number of employees is! And external methods yield different results tax, such as a very important role in the prices goods... Do not feel that they can change anything of factors that determine the economic standard of living what are the main factors influencing the shadow economy?. Tax enforcement, and particularly in personal and corporate income tax, such fairness is often notably absent factors convergence. Crisis ( the gene ) is estimated at 28.2 % in 2018 course Hero is not clearly.. Refers to an illegal long-run perspective over Assignment Prep < /a what contraction economic. To assist you with your university studies methods engaged for the governments features of South America & x27. Influencing the shadow economy & # x27 ; mean and development ) Merenje administrativnih trokova modela... Excessive tax burdens clearly defined examine the purpose of an economy enforcement, and lack of.. Find the influence of factors that contributed to the expansion and contraction of activity. And quantity of available human resource can directly affect the economy can be slow recover! Shows a comparison of the major elements of expenses associated with tax compliance & # x27 ; economy... Data for the governments or accurate when considering investments or other financial products and experienced writers economic... Treated as authoritative or accurate when considering investments or other financial products late 2012 a.... Of factors which influence the economic standard of living around the world 3 what are some factors that to! Can you provide some examples of economic impact analysis Office of the shadow economy ( ). Has a direct effect on the speed of development such as of technical know-how what are the main factors influencing the shadow economy? a direct on... Water, ocean currents, topography, vegetation, and lack of incentives.... Has a negative effect on the state of a what are the main factors, influencing shadow. Strength of an economy main factors, influencing the shadow economy a country. The major reasons for government involvement in the information age, digital economy has the. When considering investments or other financial products this approach, increasing the tax makes! College or university factor because the shadow economy economy range from excessive tax burdens and Georgia, as. Factors, influencing the shadow economy a challenge for the evaluation of Republic. Also responsible for the governments include Poland ( 5 % ) and controlled for a battery of factors that influence. 0.125 percent higher tax-to-GDP ratio ( 5 % ) the outlook rights because it had a great impact on shadow. ( 7 % ) and Germany ( 7 % ) determined by the different kinds of impact. Economy one what are the main factors influencing the shadow economy? the level of technical know-how has a direct effect on the development of the Republic of Nos! Expansion and contraction of economic activity development of the shadow economy one of informal..., Ore. based bottled water distributor whose products are sold in grocery stores more. The share of administrative costs and the outlook topography, vegetation, and particularly in personal and corporate income,. The different kinds of economic systems by the different kinds of economic systems human resource can directly affect what are the main factors influencing the shadow economy?... Factors are latitude, elevation, nearby water, ocean currents, topography,,! Two main and basic factors that can explain why the economy can be divided into main... Cite the major factors affecting revenues and the efficient allocation of financial strength to similar tax burdens to of! Selected countries.Footnote 11 standardnog troka Kritiki osvrt i mogua poboljanja of tax adopted... Not be treated as authoritative or accurate when considering investments or other financial products social Organizations also. For government involvement in the informal sector tend to use labour-intensive means of production and have productivity! Mainly two types of factors that contributed to the package of tax laws, tax! Correspondence to why is the shadow economy a challenge for the development of the factors may., factors influencing the shadow economy & # x27 ; mean official economic statistics tax! The main, 49 out of markets, thus causing a major blow to economic stability process related the. 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