Credit purchases of consumer goods are commonly made upon terms governed by an agreement between the lender and the …

Which households use consumer credit? This paper addresses the question using harmonized data from Eurostat�s EU …-SILC survey for nine European countries in the period 2005-08. There is wide heterogeneity in participation in the consumer credit … market, ranging from 15 to 46 per cent across countries. Most households relying on consumer credit are those whose head is …

The study analyses trends in the market for consumer credit during the crisis, relying on data by CRIF referring to …

We build a microsimulation model to monitor the financial vulnerability of Italian households. Starting from household …-level data from the Survey on Household Income and Wealth and matching them with macroeconomic forecasts on debt and income, we … at a higher frequency and in a more timely manner than by using household data alone. We find that the share of …

, while it is spreading among local cooperative banks. It is significantly higher among banks which have adopted credit …