We investigate the socio-economic determinants of mortgage delinquency in 12 EU countries and observe that income … volatility significantly increases the mortgage delinquency risk. This pattern even holds for borrowers with higher …-income profiles if volatility in income is high enough. From this result we can draw the following conclusions: i) mortgage protection …

, an additionally provided monthly application decreases the length of spells by 4%. In line with theory, we further find …

that show, in a very general setting, that the choice between work effort and leisure under given linear incentives depends …

crowding out due to low-powered incentives. High-powered incentives in the workplace tend to increase output, but it is unknown … also extends to high-powered incentives, in a real work setting with paid workers. There is individual heterogeneity …

This paper studies how asymmetric information over inputs affects workers' response to incentives and self-selection at … and managers shape the response to incentives and self-selection at the workplace. …

We study, theoretically and empirically, the effects of incentives on the self-selection and coordination of motivated …). Agents differ in their motivation to exert social effort. Our model predicts that lowering incentives for selfish effort in … prediction in a lab experiment allowing us to cleanly separate the selection effect from other effects of low incentives. Results …

of incentives, with the peculiar features of being awarded in public, and of having largely symbolic value. Informed by … incentives and prizes. The conceptual factors highlighted by our analytical framework are then tested through a laboratory … experiment. The experimental exercise aims to analyze how prizes and incentives impact actual individuals' behavior differently …

debt. We study the Dutch context, where qualifying homeowners can buy into a mortgage guarantee scheme that insures the … administrative data, we find a significant, 44% increase in the probability to divorce for households with an underwater mortgage … mortgage. Their home equity averages to about €-50.000. Couples with similar characteristics just above the qualification …