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US and European Household Debt and Credit Constraints

Crook, Jonathan; Hochguertel, Stefan - Tinbergen Instituut - 2007

consumption models, including a numerically solved precautionary savings model. We find that inter-country differences are …

Persistent link: https://www.econbiz.de/10011257319

The Impact of Financial Education for Youth in Ghana

Berry, James; Karlan, Dean; Pradhan, Menno - Tinbergen Instituut - 2015

offered financial education. Both programs included a voluntary after-school savings club that provided students with a locked … money box. After nine months, both programs had significant impacts on savings behavior relative to the control group …, mostly because children moved savings from home to school. We observed few other impacts. We do find that financial education …

Persistent link: https://www.econbiz.de/10011256124

Making Work pay for the Indebted. The Effect of Debt Services on the Exit Rates of Unemployed Individuals

Koning, Pierre - Tinbergen Instituut - 2014

This paper investigates the effectiveness of an intervention that was targeted at a specific group of Dutch Social Assistance (SA) recipients with debt problems. With a large share of the income gains of work resumption were transferred to the creditors, these individuals experienced a strong a...

Persistent link: https://www.econbiz.de/10011255448

Who is at the Top? Wealth Mobility over the Life Cycle

Hochguertel, Stefan; Ohlsson, Henry - Tinbergen Instituut - 2012

Who is wealthy? This paper presents empirical estimates of household movements into and out of the top percents of the wealth distribution over individual life cycles. There are life-cycle motives and precautionary motives for wealth accumulation. The opportunities to accumulate wealth create...

Persistent link: https://www.econbiz.de/10011255999

Mapping the Minds of Retirement Planners

Hershey, Douglas A.; Henkens, Kène; Dalen, Hendrik P. van - Tinbergen Instituut - 2006

This study explored the psychological mechanisms that underlie the retirement planning and saving tendencies of Dutch and American workers. Participants were 988 Dutch and 429 Americans, 25-64 years of age. Analyses were designed to: (a) examine the extent to which structural variables were...

Persistent link: https://www.econbiz.de/10011256396

Savings Adequacy Uncertainty: Driver or Obstacle to Increased Pension Contributions?

Schie, Ron J.G. van; Donkers, Bas; Dellaert, Benedict G.C. - Tinbergen Instituut - 2012

data from a representative Dutch household panel to study the impact of uncertainty regarding one's savings adequacy on … retirement savings contributions and information search processes. We combine ideas from the literature in psychology and … economics that provide opposing predictions regarding the impact of uncertainty on retirement savings contributions. Our results …

Persistent link: https://www.econbiz.de/10011257076

Competing Risks in a Time on the Market Analysis

Wit, Erik R. de - Tinbergen Instituut - 2010

Theoretical models on the selling process in the housing market are scarce. Taylor (1999) specifies a model where time-on-the-market gives a quality signal of the house to potential buyers if inspection outcomes of the house are not public. We specify a duration model with competing risks, where...

Persistent link: https://www.econbiz.de/10011257211

The Influence of Environmental Concerns on Drivers’ Preferences for Electric Cars

Dimitropoulos, Alexandros - Tinbergen Instituut - 2014

We examine the influence of drivers’ environmental concerns on their preferences for different types of plug-in electric vehicles (PEVs). Our empirical approach is built around the results of a large-scale survey among Dutch drivers, where preferences for electric vehicles are elicited through...

Persistent link: https://www.econbiz.de/10011255531

National and International Income Dispersion and Aggregate Expenditures

Fillat, Carmen; Francois, Joseph - Tinbergen Instituut - 2004

We examine linkages between aggregate household income, distribution of that income, and aggregate cross-country expenditure patterns. We are able to decompose income effects into international income dispersion effects (from variations in average income) and national income dispersion (income...

Persistent link: https://www.econbiz.de/10011255538

Risk Attitudes and Profits among Small Enterprises in Nigeria

Lammers, Judith; Willebrands, Daan; Hartog, Joop - Tinbergen Instituut - 2010

This paper analyses the effect of risk attitudes of firm owners on profits among micro and small enterprises (MSEs) in Lagos, Nigeria. Higher risk perceptions are shown to have a significant positive effect on profits, whereas risk propensity has a negative or no effect. Education, age, being...

Persistent link: https://www.econbiz.de/10011255653