在重要的时候建设人力资本：家庭、社区和工作场所

Homes, Neighborhoods,and Workplaces Alaka Holla, Norbert Schady, and Joana SilvaEditors Building Human CapitalWhere It Matters https://reproducibility.worldbank.org A reproducibility package is available for this bookin the Reproducible Research Repository athttps://reproducibility.worldbank.org/catalog/461. Scan to go to the complete publication. Building Human CapitalWhere It Matters Homes, Neighborhoods,and Workplaces Alaka Holla, Norbert Schady, and Joana SilvaEditors © 2026 International Bank for Reconstruction and Development / The World Bank1818 H Street NW, Washington, DC 20433Telephone: 202-473-1000; Internet:www.worldbank.org Some rights reserved 1 2 3 429 28 27 26 This work is a product of the staff of The World Bank with external contributions. The findings, interpretations, andconclusions expressed in this work do not necessarily reflect the views of The World Bank, its Board of ExecutiveDirectors, or the governments they represent. The World Bank does not guarantee the accuracy, completeness, or currency of the data included in this work anddoes not assume responsibility for any errors, omissions, or discrepancies in the information, or liability withrespect to the use of or failure to use the information, methods, processes, or conclusions set forth. Theboundaries, colors, denominations, links/footnotes, and other information shown in this work do not imply anyjudgment on the part of The World Bank concerning the legal status of any territory or the endorsement oracceptance of such boundaries. The citation of works authored by others does not mean The World Bankendorses the views expressed by those authors or the content of their works. Nothing herein shall constitute or be construed or considered to be a limitation upon or waiver of the privilegesand immunities of The World Bank, all of which are specifically reserved. Rights and Permissions This work is available under the Creative Commons Attribution 3.0 IGO license (CC BY 3.0 IGO)http://creativecommons.org/licenses/by/3.0/igo. Under the Creative Commons Attribution license, you are free to copy,distribute, transmit, and adapt this work, including for commercial purposes, under the following conditions: Attribution—Please cite the work as follows: Holla, Alaka, Norbert Schady, and Joana Silva, eds. 2026.Building Human Capital Where It Matters: Homes, Neighborhoods, and Workplaces.World Bank.doi: 10.1596/978-1-4648-2277-3. License: Creative Commons Attribution CC BY 3.0 IGO Translations—If you create a translation of this work, please add the following disclaimer along with theattribution:This translation was not created by The World Bank and should not be considered an official WorldBank translation. The World Bank shall not be liable for any content or error in this translation. Adaptations—If you create an adaptation of this work, please add the following disclaimer along with theattribution:This is an adaptation of an original work by The World Bank. Views and opinions expressed in theadaptation are the sole responsibility of the author or authors of the adaptation and are not endorsed byThe World Bank. Third-party content—The World Bank does not necessarily own each component of the content contained withinthe work. The World Bank therefore does not warrant that the use of any third-party-owned individual componentor part contained in the work will not infringe on the rights of those third parties. The risk of claims resulting fromsuch infringement rests solely with you. If you wish to re-use a component of the work, it is your responsibility todetermine whether permission is needed for that re-use and to obtain permission from the copyright owner.Examples of components can include, but are not limited to, tables, figures, or images. All queries on rights and licenses should be addressed to World Bank Publications, The World Bank,1818 H Street NW, Washington, DC 20433, USA; e-mail: pubrights@worldbank.org. ISBN (paper): 978-1-4648-2277-3ISBN (electronic): 978-1-4648-2316-9DOI: 10.1596/978-1-4648-2277-3 Cover design:Nicole Hamam, Hamam Design. Further permission required for reuse.Interior design:Jihane El Khoury Roederer, Global Corporate Solutions Unit, World Bank, and Nicole Hamam,Hamam Design. The Library of Congress Control Number has been requested. Contents ForewordixAcknowledgmentsxiAbout the Editors and ContributorsxiiiMain MessagesxviiExecutive Summaryxxi 1Introduction1 Norbert SchadyWhy is human capital so important?2Human capital: Stagnating in low- and lower-middle-income countries4The importance of settings to human capital policy9Notes12References13 2HumanCapitalAccumulationin theHome16 Alaka HollaThe home mattersWhy does the home matter?Policy recommendationsNotesReferences 1822324243 50 3HumanCapitalAccumulationinNeighborhoods Andres Yi Chang, Patrick Hoang-Vu Eozenou, and Ildo LautharteThe neighborhood matters52Why neighborhoods matter55Policy implications60Conclusion: Putting it all t