, draws on the FinMark national-level data from Ghana and South Africa. The main observation is that females in South Africa … are more likely to use general financial and investment products than in Ghana. The results also reveal that in Ghana, a …

The paper focuses on women's financial behaviour in their use of higher order financial services in Ghana and South … to use general financial products than in Ghana, though in general more men use advanced investment products. Race has an …

This paper investigates the potentially non-linear relation between households' indebtedness and their consumption … previous studies, we find a negative effect of households' indebtedness on their consumption, even in the absence of negative …, rather than its overall sustainability, that leads households to reduce their consumption. We perform as well a threshold …

We implement a survey of Dutch households in which random subsets of respondents receive information about inflation … evidence that this is likely driven by the fact that Dutch households seem to become more pessimistic about their real income …

We survey samples of German firms and households to document novel stylized facts about the extent of information … dispersed than households', consistent with higher information frictions among households. Second, the degree of dispersion and … the distance from expert forecasts varies more across groups of households than across groups of firms. Third, firms …

considers relative earnings disparities within households. We provide empirical evidence supporting our model's predictions …

skills, such as adult literacy programs, or other types of education. This paper examines these issues for Ghana, by … ; cognitive and non-cognitive skills ; formal education ; adult literacy programs ; Ghana …

purpose of this study is to determine whether the capital-skill complementarity framework holds for Ghana manufacturing plants … in industry and aggregate level. We use an unbalanced panel of plant-level data for manufacturing firms in Ghana during … suggest that capital-skill complementarity holds in aggregate level and wood-furniture sector in Ghana. However, we reject the …