Narrow search
Showing 1 - 10 of 296
Cover Image
How to Help the Poor to Save a Bit : Evidence from a Field Experiment in Kenya
Akbaş, Merve - 2016
Partnering with a savings product provider in Kenya, we tested the extent to which behavioral interventions and … participants were asked to keep track of their weekly deposits (3) a match of weekly savings: The match was either 10% or 20% up to …
Persistent link: https://www.econbiz.de/10012987673
Cover Image
The Impact of Education on the Subjective Discount Rate in Ugandan Villages
Bauer, Michal - 2009
Heterogeneity in time discounting may reinforce the existing barriers to save and invest faced by rural populations in developing countries. We elicit a subjective discount rate for a varied sample of Ugandan villagers. In accordance with other studies, we have found the discount rate to...
Persistent link: https://www.econbiz.de/10012764244
Cover Image
Loose Knots : Strong Versus Weak Commitments to Save for Education in Uganda
Karlan, Dean S. - 2014
, weaker restrictions may be a more effective means of changing behavior. We test this using a school-based commitment savings … device for educational expenses in Uganda. We compare an account fully-committed to educational expenses to an account in … which savings are available for cash withdrawal but intended for educational expenses. The weaker commitment generates …
Persistent link: https://www.econbiz.de/10013060131
Cover Image
Present-Biased Preferences and Credit Card Borrowing
Meier, Stephan - 2011
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...
Persistent link: https://www.econbiz.de/10013134641
Cover Image
Debt Portfolios
Hintermaier, Thomas - 2011
We provide a model with endogenous portfolios of secured and unsecured household debt. Secured debt is collateralized by owner-occupied housing whereas unsecured debt can be discharged according to bankruptcy regulations. We show that the calibrated model matches important quantitative...
Persistent link: https://www.econbiz.de/10013126139
Cover Image
Indebted and Overweight : The Link between Weight and Household Debt
Averett, Susan L. - 2012
There is a substantial correlation between household debt and bodyweight. Theory suggests that a causal relationship between debt and bodyweight could run in either direction or both could be caused by unobserved common factors. We use OLS and Propensity Score Matching to ascertain if household...
Persistent link: https://www.econbiz.de/10013099403
Cover Image
In-State Tuition for Undocumented Immigrants and Its Impact on College Enrollment, Tuition Costs, Student Financial Aid, and Indebtedness
Amuedo-Dorantes, Catalina - 2012
The 1996 Immigration Reform and Responsibility Act barred states from giving unlawful residents postsecondary education benefits that states do not offer to U.S. citizens. In contrast to this federal law, several states have passed legislation explicitly allowing undocumented immigrants to pay...
Persistent link: https://www.econbiz.de/10013099713
Cover Image
Targeted Business Incentives and the Debt Behavior of Households
Di, Wenhua - 2016
The empirical effects of place-based tax incentive schemes designed to aid low income communities are unclear. While a growing number of studies find beneficial effects on employment, there is little investigation into other behaviors of households affected by such programs. We analyze the...
Persistent link: https://www.econbiz.de/10013001345
Cover Image
Is Rising Household Debt Affecting Retirement Decisions?
Butrica, Barbara A. - 2020
Household debt among older Americans approaching retirement has increased dramatically over the past couple of decades. Older households have become increasingly more indebted and more leveraged. While mortgages remain the predominant type of debt among households in their 50s and 60s, in recent...
Persistent link: https://www.econbiz.de/10012835192
Cover Image
Consumer Debt and Default : A Macro Perspective
Exler, Florian - 2020
In this survey, we review the quantitative macroeconomic literature analyzing consumer debt and default. We start by providing an overview of consumer bankruptcy law in the US and document the relevant institutional changes over time. We proceed with a comprehensive empirical section, describing...
Persistent link: https://www.econbiz.de/10012841017