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Effect of perceptions and behaviour on access to and use of financial service: Evidence from South Africa
Annim, Samuel Kobina; Arun, Thankom; Kostov, Philip - 2012
This study investigates the effect of financial perception and behaviour on; (a) general accounts and services, (b … behaviour is greater than financial perception when making decisions on the take-up and use of investment financial services. It … three estimations support the hypothesis that financial perception has a greater effect on the decision to access and use …
Persistent link: https://www.econbiz.de/10010291318
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Usage of Financial Services in South Africa: Perceptions Matter
Kostov, Philip; Arun, Thankom; Annim, Samuel - 2013
specification to examine the effect of financial perception. Our results suggests that after controlling for endogeneity of choices … of financial perception however reduces and gradually disappears as one moves up the financial access ladder towards more …
Persistent link: https://www.econbiz.de/10010328955
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Effect of Perceptions and Behaviour on Access to and Use of Financial Service: Evidence from South Africa
Annim, Samuel; Arun, Thankom Gopinath; Kostov, Philip - Institute for the Study of Labor (IZA) - 2012
This study investigates the effect of financial perception and behaviour on; (a) general accounts and services, (b … behaviour is greater than financial perception when making decisions on the take-up and use of investment financial services. It … three estimations support the hypothesis that financial perception has a greater effect on the decision to access and use …
Persistent link: https://www.econbiz.de/10010766375
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Usage of Financial Services in South Africa: Perceptions Matter
Kostov, Philip; Arun, Thankom Gopinath; Annim, Samuel - Institute for the Study of Labor (IZA) - 2013
specification to examine the effect of financial perception. Our results suggests that after controlling for endogeneity of choices … of financial perception however reduces and gradually disappears as one moves up the financial access ladder towards more …
Persistent link: https://www.econbiz.de/10010766378
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Overconfidence is a social signaling bias
Burks, Stephen V.; Carpenter, Jeffrey P.; Goette, Lorenz; … - 2010
Evidence from psychology and economics indicates that many individuals overestimate their ability, both absolutely and relatively. We test three different theories about observed relative overconfidence. The first theory notes that simple statistical comparisons (for example, whether the...
Persistent link: https://www.econbiz.de/10010269888
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Integrating personality psychology into economics
Heckman, James J. - 2011
This paper reviews the problems and potential benefits of integrating personality psychology into economics. Economists have much to learn from and contribute to personality psychology.
Persistent link: https://www.econbiz.de/10010280682
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Time, money, peers, and parents : some data and theories on teenage behavior
Kooreman, Peter - 2003
In the first part of the paper I analyze a data set on teenage behavior. The data is a sample of high school students in the Netherlands, and contains information on teenage time use, income, expenditures, and subjective measures of well-being and self-esteem. As all students in a sampled class...
Persistent link: https://www.econbiz.de/10010261636
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On Market Forces and Human Evolution
Saint-Paul, Gilles - 2002
This paper studies how an institution such as markets affects the evolution of mankind. My key point is that the forces of natural selection are made weaker because trade allows people to specialize in those activities where they are strong, and to offset their weaknesses by purchasing adequate...
Persistent link: https://www.econbiz.de/10010262480
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Individual risk attitudes: new evidence from a large, representative, experimentally-validated survey
Dohmen, Thomas - 2005
This paper presents new evidence on the distribution of risk attitudes in the population, using a novel set of survey questions and a representative sample of roughly 22,000 individuals living in Germany. Using a question that asks about willingness to take risks on an 11-point scale, we find...
Persistent link: https://www.econbiz.de/10010267371
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Taxes, cigarette consumption and smoking intensity
Adda, Jérôme; Cornaglia, Francesca - 2005
This paper analyses the compensatory behavior of smokers. Exploiting data on cotinine concentration a metabolite of nicotine measured in a large population of smokers over time, we show that smokers compensate tax hikes by extracting more nicotine per cigarette. Our study makes two important...
Persistent link: https://www.econbiz.de/10010267581