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In this paper we use a large panel of individuals from Consumer Credit Panel dataset to study the timing of homeownership as a function of credit constraints and expectations of future house price. Our panel data allows us to track individuals over time and we model the transition probability of...
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addition to individuals’ characteristics, neighborhood characteristics significantly affected whether individuals were unbanked …
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this emerging product for unbanked and underbanked consumers, explores the hypothesis that SVCs can offer consumers the … evolves. Questions for further research to facilitate the development of SVCs that better serve unbanked and underbanked …
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financial education has on an individual’s decision to move from unbanked to banked. To date, most programs and initiatives that … target the unbanked define program impact by the number of bank accounts opened. This study provides evidence that the best … unbanked with the skills and tools necessary to make sound financial decisions given their financial circumstances. …
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