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Improving access to savings through mobile money : experimental evidence from African smallholder farmers
Batista, Catia; Vicente, Pedro C. - 2019
Investment in improved agricultural inputs is infrequent for smallholder farmers in Africa. One barrier may be limited … money as a tool to promote agricultural investment. For this purpose, we designed and conducted a field experiment with a … interest was being paid. It also increased agricultural investment in fertilizer, although there was no change in investment in …
Persistent link: https://www.econbiz.de/10012140124
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Young entrepreneurs in rural Africa : prevalence, determinants, productivity
Nagler, Paula; Naudé, Wim - 2014
productivity in enterprises operated by young owners. Using the World Bank's recent LSMS-ISA database that covers six countries in … young adults to start enterprises, but to also enable young entrepreneurs to improve productivity in already existing …
Persistent link: https://www.econbiz.de/10010419074
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Mortgage finance in Central and Eastern Europe : opportunity or burden?
Beck, Thorsten; Kibuuka, Katie; Tiongson, Erwin R. - 2010
Household credit, especially for mortgages, has doubled over the past years in the new European Union member countries, raising concerns about the economic and social consequences of household indebtedness in the event of a macroeconomic crisis. Using household survey data for 2005, 2006, and...
Persistent link: https://www.econbiz.de/10003940327
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Mortgage indebtedness and household financial distress
Georgarakos, Dimitris; Lojschova, Adriana; … - 2009
Using comparable survey data from twelve European countries we investigate households' attitudes towards mortgage indebtedness. We find that a given debt burden creates much higher distress in Southern countries, France and Belgium, where fewer households have a mortgage outstanding relative to...
Persistent link: https://www.econbiz.de/10003926442
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Does greater inequality lead to more household borrowing? : new evidence from household data
Coibion, Olivier; Gorodnichenko, Yuriy; Kudlyak, Marianna; … - 2014
One suggested hypothesis for the dramatic rise in household borrowing that preceded the financial crisis is that low-income households increased their demand for credit to finance higher consumption expenditures in order to "keep up" with higherincome households. Using household level data on...
Persistent link: https://www.econbiz.de/10010238213
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Using bank savings product design for empowering women and agricultural development
Galdo, Jose - 2021
This study examines whether the random allocation of single and joint saving accounts to cash crop farmers in rural Ethiopia is associated with changes in decision-making authority and control over resources that ultimately lead to changes in labor effort, schooling allocations, income,...
Persistent link: https://www.econbiz.de/10012583678
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Consumer loan response to permanent labor income shocks : evidence from a major minimum wage increase
Güney, Ethem; Hacihasanoglu, Yavuz Selim; Tumen, Semih - 2017
We investigate the impact of a substantial minimum wage increase, which became effective in January 2016, on consumer loans in Turkey. Using bank-level data and designing an original identification strategy, we ask whether the loans provided by banks with a historically high share of low-wage...
Persistent link: https://www.econbiz.de/10011647652
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Who bears the welfare costs of monopoly?the case of the credit card industry
Herkenhoff, Kyle; Raveendranathan, Gajendran - 2019
How are the welfare costs from monopoly distributed across U.S. households? We answer this question for the U.S. credit card industry, which is highly concentrated, charges interest rates that are 3.4 to 8.8 percentage points above perfectly competitive pricing, and has repeatedly lost antitrust...
Persistent link: https://www.econbiz.de/10012147023
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The interplay among savings accounts and network-based financial arrangements : evidence from a field experiment
Comola, Margherita; Prina, Silvia - 2023
This paper studies how formal financial access affects network-based financial arrangements. We use a field experiment that granted access to a savings account to a random subset of households in 19 Nepalese villages. Exploiting a unique panel dataset that follows all bilateral informal...
Persistent link: https://www.econbiz.de/10014311943
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Do cows have negative returns? : the evidence revisited
Gehrke, Esther; Grimm, Michael - 2014
as an instrument for investment in cattle. We find average returns in the order of -2% at the mean, but they vary across … of scale as well a high upfront expenses of acquiring high productivity animals might trap poorer households in low-productivity …
Persistent link: https://www.econbiz.de/10010413090