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Financial literacy, experimental preference measures and field behavior : a randomized educational intervention
Sutter, Matthias; Weyland, Michael; Untertrifaller, Anna; … - 2023
We present the results of a randomized intervention to study how teaching financial literacy to 16-year old high-school students affects their behavior in risk and time preference tasks. Compared to two different control treatments, we find that teaching financial literacy makes subjects behave...
Persistent link: https://www.econbiz.de/10014250651
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Culture and adult financial literacy: evidence from the United States
Davoli, Maddalena; Rodríguez-Planas, Núria - 2020
Using a US nationally representative sample of over 6,000 adults from 26 countries of ancestry, we find a strong association between their financial literacy in the US and the financial literacy level in their self-reported country of ancestry. More specifically, if an individual from a country...
Persistent link: https://www.econbiz.de/10012237342
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Financial education for the disadvantaged? : a review
Entorf, Horst; Hou, Jia - 2018
In contrast to the popularity of financial education interventions worldwide, studies on the economic effects of those interventions report mixed results. With a focus on the effect on disadvantaged groups, we review both the theoretical and empirical findings in order to understand why this...
Persistent link: https://www.econbiz.de/10011859150
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Discounting financial literacy : time preferences and participation in financial education programs
Meier, Stephan (contributor); Sprenger, Charles (contributor) - 2008
unobservable, characteristic: time preferences. We offered a short, free credit counseling and information program to more than 870 … credit counseling program discount the future less than individuals who choose not to participate. Our results suggest that …
Persistent link: https://www.econbiz.de/10003719622
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Detecting mortgage delinquencies
Askitas, Nikos; Zimmermann, Klaus F. - 2011
Economic hardship is strongly reflected by the housing market. It is the concern of much research, but its analysis is often obstructed by insufficient lagged data. This paper evaluates search intensity for "hardship letter" from Google Insights to detect ensuing mortgage delinquencies. Such...
Persistent link: https://www.econbiz.de/10009312194
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Job creation, small vs. large vs. young, and the SBA
Brown, J. David; Earle, John S.; Morgulis, Yana - 2015
Analyzing a list of all Small Business Administration (SBA) loans in 1991 to 2009 linked with annual information on all U.S. employers from 1976 to 2012, we apply detailed matching and regression methods to estimate the variation in SBA loan effects on job creation and firm survival across firm...
Persistent link: https://www.econbiz.de/10011387117
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The effect of product demand on inequality : evidence from the US and the UK
Leonardi, Marco - 2010
This paper examines the relationship between product demand and the pattern of rising skill premia and rising employment of skilled workers in the US and the UK since the 1980s. If more skilled workers demand more skill-intensive goods, then an increase in relative skill supply will also induce...
Persistent link: https://www.econbiz.de/10003976873
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Present-biased preferences and credit card borrowing
Meier, Stephan; Sprenger, Charles - 2009
Some individuals borrow extensively on their credit cards. This paper tests whether present-biased time preferences … correlate with credit card borrowing. In a field study, we elicit individual time preferences with incentivized choice … experiments, and match resulting time preference measures to individual credit reports and annual tax returns. The results …
Persistent link: https://www.econbiz.de/10003859319
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Time limits : the effects on welfare use and other consumption-smoothing mechanisms
Mazzolari, Francesca; Ragusa, Giuseppe - 2012
We use data from the Survey of Income and Program Participation covering the period 1989-2006 to investigate the impact that time limits on receipt of Temporary Assistance for Needy Families have on female-headed family outcomes, including welfare use, employment and living arrangements. The...
Persistent link: https://www.econbiz.de/10009665634
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The effect of deceptive advertising on consumption of the advertised good and its substitutes : the case of over-the-counter weight loss products
Cawley, John H.; Avery, Rosemary J.; Eisenberg, Matthew - 2013
This paper is the first to estimate the impact of exposure to deceptive advertising on consumption of the advertised product and its substitutes. We study the market for over-the-counter (OTC) weight-loss products, a market in which deceptive advertising is rampant and products are generally...
Persistent link: https://www.econbiz.de/10009717705