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Reflections on the US college loans system : lessons from Australia and England
Barr, Nicholas A.; Chapman, Bruce James; Dearden, Lorraine - 2018
There is wide agreement the US student loan system faces significant problems. Seven million borrowers are in default and many more experience non-repayment. The stress of repayments faced by many students results at least in part from the design of US student loans. Specifically, loans are...
Persistent link: https://www.econbiz.de/10011820067
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Gambling and the use of credit : an individual and household level analysis
Brown, Sarah; Dickerson, Andrew P.; McHardy, Jolian P.; … - 2010
use of credit, at the individual and household level using representative pooled cross-section data drawn from the UK … Expenditure and Food Surveys (EFS), 2001 to 2007. Gambling and the use of credit are shown to be positively correlated at the … between gambling and the use of credit is remarkably stable across household income. In addition to our household level …
Persistent link: https://www.econbiz.de/10003942188
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Maxed out? : the effect of larger student loan limits on borrowing and education outcomes
Denning, Jeffrey T.; Jones, Todd R. - 2019
student loans on borrowing and educational outcomes. We examine the effect of access to credit by using policy variation in …
Persistent link: https://www.econbiz.de/10011993952
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Household debt and crises of confidence
Hintermaier, Thomas; Koeniger, Winfried - 2015
We show that the size of collateralized household debt determines an economy's vulnerability to crises of confidence … rise to multiplicity of house prices. In a dynamic setup, we conceptualize confidence as a realization of rationally … confidence may drive house prices and aggregate consumption. …
Persistent link: https://www.econbiz.de/10011347156
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Does greater inequality lead to more household borrowing? : new evidence from household data
Coibion, Olivier; Gorodnichenko, Yuriy; Kudlyak, Marianna; … - 2014
-income households increased their demand for credit to finance higher consumption expenditures in order to "keep up" with higherincome … the underlying type of the applicant, so that banks ultimately channel more credit toward lower-income applicants in low …
Persistent link: https://www.econbiz.de/10010238213
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Gender and self-selection into a competitive environment : are women more overconfident than men?
Nekby, Lena (contributor);  … - 2007
Using a large running race in Sweden, this study shows that there are male-dominated environments in which the selection of women who participate are more likely to be confident/competitive and that, within this group, performance improves equally for both genders.
Persistent link: https://www.econbiz.de/10003595348
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Can you trust the good guys? : trust within and between groups with different missions
Fehrler, Sebastian; Kosfeld, Michael - 2013
NGOs and other non-profit organizations attract workers who strongly identify themselves with their missions. We study whether these "good guys" are more trustworthy and how such pronounced group identities affect trust and trustworthiness within the groups and toward out-groups. We find that...
Persistent link: https://www.econbiz.de/10009745659
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Identity changes and the efficiency of reputation systems
Wibral, Matthias - 2014
Reputation systems aim to induce honest behavior in online trade by providing information about past conduct of users. Online reputation, however, is not directly connected to a person, but only to the virtual identity of that person. Users can therefore shed a negative reputation by creating a...
Persistent link: https://www.econbiz.de/10010359305
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Cultural identity and social capital in Italy
Sgroi, Daniel; Redoano, Michela; Liberini, Federica; … - 2020
In a pre-registered experiment involving 1,547 subjects across three Italian cities we exploit regional variation in background, language and diet to investigate the relationship between cultural identity, trust and cooperation. Subjects with relatives (especially maternal grandmothers) who...
Persistent link: https://www.econbiz.de/10012296551
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True overconfidence, revealed through actions : an experiment
Cheung, Stephen L.; Johnstone, Lachlan - 2017
We report an experiment that infers true overconfidence in relative ability through actions, as opposed to reported beliefs. Subjects choose how to invest earnings from a skill task when the returns depend solely upon risk, or both risk and relative placement, enabling joint estimation of...
Persistent link: https://www.econbiz.de/10011612902