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Debt and Financial Expectations: An Individual- and Household-Level Analysis
Brown, Sarah; Garino, Gaia; Taylor, Karl; Price, … - In: Economic Inquiry 43 (2005) 1, pp. 100-120
In this article we show that optimistic financial expectations impact positively on both the quantity of debt and the … growth in debt at the individual and household levels. Our theoretical model shows that this association is predicted under a … variety of plausible scenarios. In the empirical analysis we explore the determinants of debt and of growth in debt using …
Persistent link: https://www.econbiz.de/10005568044
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Empowering women through financial awareness and education
Hung, Angela; Yoong, Joanne; Brown, Elizabeth D. - 2012
The potential implications of gender differences in financial literacy are far-reaching. This paper describes the findings of a review of the literature on gender differences in financial literacy with the aim to better understand their causes and consequences, as well as possible policy...
Persistent link: https://www.econbiz.de/10009684043
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Household Debt: Facts, Puzzles, Theories, and Policies
Zinman, Jonathan - National Bureau of Economic Research (NBER) - 2014
macroeconomics and industrial organization. I review theoretical and empirical work on household debt: its prevalence, level, growth …
Persistent link: https://www.econbiz.de/10010951247
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Overestimating Self_Control: Evidence from the Health Club Industry
DellaVigna, Stefano; Malmendier, Ulrike - National Bureau of Economic Research (NBER) - 2004
Experimental evidence suggests that people make time-inconsistent choices and display overconfidence about positive personal attributes. Do these features affect consumer behavior in the market? To address this question we use a new panel data set from three US health clubs with information on...
Persistent link: https://www.econbiz.de/10005085183
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Empowering Women Through Financial Awareness and Education
Hung, Angela; Yoong, Joanne; Brown, Elizabeth - Directorate for Financial, Fiscal and Enterprises … - 2012
The potential implications of gender differences in financial literacy are far-reaching. This paper describes the findings of a review of the literature on gender differences in financial literacy with the aim to better understand their causes and consequences, as well as possible policy...
Persistent link: https://www.econbiz.de/10009653027
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CHOICE – What Can Go Wrong?
McFadden, Daniel - National Bureau of Economic Research - 2023
The elegant economic picture of rational consumers achieving Pareto optimality through trade in decentralized self-organized markets is blurred by market imperfections and choices inconsistent with consumer self-interest. Behavioral economics has documented these errors in choice, and considered...
Persistent link: https://www.econbiz.de/10014250182
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Financial Literacy, Financial Education and Economic Outcomes
Madrian, Brigitte C.; Hastings, Justine S.; Skimmyhorn, … - National Bureau of Economic Research (NBER) - 2012
In this article we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature, and examine how well the existing literature addresses whether financial education improves financial...
Persistent link: https://www.econbiz.de/10010785601
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Immigration and Inequality
Card, David - In: American Economic Review 99 (2009) 2, pp. 1-21
Persistent link: https://www.econbiz.de/10004999865
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Financial Literacy, Financial Education, and Economic Outcomes
Hastings, Justine S.; Madrian, Brigitte C.; Skimmyhorn, … - In: Annual Review of Economics 5 (2013) 1, pp. 347-373
In this article, we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature and examine how well the existing literature addresses whether financial education improves financial...
Persistent link: https://www.econbiz.de/10010822972
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Framework for the Development of Financial Literacy Baseline Surveys: A First International Comparative Analysis
Kempson, Elaine - Directorate for Financial, Fiscal and Enterprises … - 2009
There is growing concern, across a wide range of countries, about the levels of financial capability of consumers. A large number of initiatives are therefore being developed to address this issue; and countries are increasingly rolling out national strategies on financial capability. To do this...
Persistent link: https://www.econbiz.de/10008568057