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Mortgage Finance in Central and Eastern Europe: Opportunity or Burden?
Beck, Thorsten; Kibuuka, Katie; Tiongson, Erwin R. - Institute for the Study of Labor (IZA) - 2010
determinants of access to mortgage finance. It also examines whether mortgage holders were more likely to suffer financial distress … compared with non-mortgage holders in the period before the global financial crisis. The analysis does not find any systematic … evidence that mortgage holders are financially more vulnerable than renters or outright owners; in fact, the incidence of …
Persistent link: https://www.econbiz.de/10008615444
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Is there Discriminatory Mortgage Pricing against Immigrants in the Spanish Lending Market?
Diaz-Serrano, Luis; Raya, Josep M. - Institute for the Study of Labor (IZA) - 2011
In this paper, we investigate whether evidence of discriminatory treatment against immigrants in the Spanish mortgage …-Blinder decomposition to measure the extent to which this disparate treatment of lenders in mortgage pricing against immigrants is due to …
Persistent link: https://www.econbiz.de/10008868131
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Detecting Mortgage Delinquencies
Askitas, Nikos; Zimmermann, Klaus F. - Institute for the Study of Labor (IZA) - 2011
Insights to detect ensuing mortgage delinquencies. Such searches locate documents which assist to write a successful loan …
Persistent link: https://www.econbiz.de/10009225764
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Financial Markets, Banks' Cost of Funding, and Firms' Decisions: Lessons from Two Crises
Balduzzi, Pierluigi; Brancati, Emanuele; Schiantarelli, … - Institute for the Study of Labor (IZA) - 2013
We test whether financial fluctuations affect firms' decisions, through their impact on banks' cost of funding. We exploit two shocks to Italian bank CDS spreads and equity valuations: the 2007-2009 financial crisis and the 2010-2012 sovereign debt crisis. Using newly available data linking over...
Persistent link: https://www.econbiz.de/10010734428
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Determinants of Immigrant Homeownership: Examining their Changing Role during the Great Recession and Beyond
Mundra, Kusum; Uwaifo Oyelere, Ruth - Institute for the Study of Labor (IZA) - 2013
The Great Recession had significant economic effects both in the U.S. and around the world. There is evidence that homeownership rates declined during this period, though some immigrants were less severely affected compared to natives. In this paper we investigate the role of several factors in...
Persistent link: https://www.econbiz.de/10010884298
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Using Online Platforms for Competence Tests: A Component of the Demographic Policy of Germany
Spermann, Alexander - Institute for the Study of Labor (IZA) - 2014
Lifelong learning represents a key response to the demographic challenge in Germany. In terms of professional success, not only hard skills but also soft skills hold importance. Indeed, the OECD competence tests PISA and PIAAC have come to the fore, although acquired skills are still relevant....
Persistent link: https://www.econbiz.de/10010884379
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Private Tutoring Expenditures in Turkey
Tansel, Aysit; Bircan, Fatma - Institute for the Study of Labor (IZA) - 2004
This is the first study on private tutoring in Turkey. Private tutoring especially for the purpose of preparing for the competitive university entrance examination is an important, widespread phenomenon in Turkey. Private tutoring centers are commonly referred to as "dersane" in Turkish. This...
Persistent link: https://www.econbiz.de/10005703715
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Risk Sharing and Commuting Among US Federal States
Juessen, Falko - Institute for the Study of Labor (IZA) - 2008
Financial markets provide imperfect insurance of labor income risk. However, workers can partly insure against labor market risk by commuting to adjacent regions. Since commuters own wage claims to output produced in adjacent regions, the business cycle in the neighborhood becomes a relevant...
Persistent link: https://www.econbiz.de/10005822090
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Sexual Bias and Household Consumption: A Semiparametric Analysis of Engel Curves in Rural China
Gong, Xiaodong; van Soest, Arthur; Zhang, Ping - Institute for the Study of Labor (IZA) - 2000
We analyze Engel curves for nuclear households in rural China. The sample includes more than 5000 nuclear families covering nineteen out of thirty Chinese provinces. We consider expenditures on food, also subdivided into several food subcategories such as cereals, or meat and fish, and other...
Persistent link: https://www.econbiz.de/10005822726
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Urban Density and Pupil Attainment
Gibbons, Stephen; Silva, Olmo - Institute for the Study of Labor (IZA) - 2007
We explore the association between urban density and pupil attainment using three cohorts of pupils in schooling in England. Although - as widely recognised - attainment in dense urban places is low on average, this is not because urban environments disadvantage pupils, but because the most...
Persistent link: https://www.econbiz.de/10005763861