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Ancestry, Language and Culture
Spolaore, Enrico - 2015
We explore the interrelationships between various measures of cultural distance. We first discuss measures of genetic distance, used in the recent economics literature to capture the degree of relatedness between countries. We next describe several classes of measures of linguistic, religious,...
Persistent link: https://www.econbiz.de/10012457425
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Socioeconomic Status and Learning from Financial Information
Kuhnen, Camelia M. - 2015
The majority of lower socioeconomic status (SES) households do not have any stock investments, which is detrimental to wealth accumulation. Here, we examine one potential driver of this puzzling fact, namely, that SES may influence the process by which people learn from information in financial...
Persistent link: https://www.econbiz.de/10012457453
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Impact of Bilingual Education Programs on Limited English Proficient Students and Their Peers : Regression Discontinuity Evidence from Texas
Chin, Aimee - 2012
) students in a particular elementary grade and language is twenty or higher. Using school panel data, we find a significant … significantly impact the standardized test scores of students with Spanish as their home language (comprised primarily of ever …-LEP students). However, there are significant positive spillover effects to their non-LEP peers …
Persistent link: https://www.econbiz.de/10012460463
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Does Exposure to Economics Bring New Majors to the Field? Evidence from a natural Experiment
Fricke, Hans - 2015
This study investigates how being exposed to a field of study influences students' major choices. We exploit a natural … experiment at a Swiss university where all first-year students face largely the same curriculum before they choose a major. An … important component of the first-year curriculum that varies between students involves a multi-term research paper in business …
Persistent link: https://www.econbiz.de/10012457536
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Fearless Woman : Financial Literacy and Stock Market Participation
Bucher-Koenen, Tabea; Alessie, Rob; Lusardi, Annamaria; … - National Bureau of Economic Research - 2021
Women are less financially literate than men. It is unclear whether this gap reflects a lack of knowledge or, rather, a lack of confidence. Our survey experiment shows that women tend to disproportionately respond "do not know" to questions measuring financial knowledge, but when this response...
Persistent link: https://www.econbiz.de/10012510602
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Is Digital Credit Filling a Hole or Digging a Hole? Evidence from Malawi
Brailovskaya, Valentina; Dupas, Pascaline; Robinson, … - National Bureau of Economic Research - 2021
Digital credit has expanded rapidly in Africa, mostly in the form of short-term, high-interest loans offered via mobile money. Loan terms are often opaque and consumer financial literacy is low, providing opportunities for predatory lending. A regression discontinuity analysis shows no negative...
Persistent link: https://www.econbiz.de/10012794601
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What Determines Consumer Financial Distress? Place- and Person-Based Factors
Keys, Benjamin J. - 2020
We use credit report data for a representative sample of 35 million individuals over 2000-2016 to examine consumer financial distress in the United States. We show there are large, persistent geographic disparities in consumer financial distress, with low levels in the Upper Midwest and high...
Persistent link: https://www.econbiz.de/10012479332
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Trust and Saving in Financial Institutions
Galiani, Sebastian - 2020
We examine the role of trust in financial institutions as a necessary condition for the wider use of formal financial services by the poor. We randomly assigned beneficiaries of a conditional cash transfer program in 130 villages in Peru to attend a 3.5 hour training session designed to build...
Persistent link: https://www.econbiz.de/10012479333
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How Cognitive Ability and Financial Literacy Shape the Demand for Financial Advice at Older Ages
Kim, Hugh Hoikwang - 2019
We investigate how cognitive ability and financial literacy shape older Americans' demand for financial advice using an experimental module in the 2016 Health and Retirement Study. We show that cognitive ability and financial literacy strongly improve the quality, but not the quantity, of...
Persistent link: https://www.econbiz.de/10012479701
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Freeing Financial Education via Tablets : Experimental Evidence from Colombia
Attanasio, Orazio - 2019
Financial knowledge is critical for making sound decisions that foster financial health and protect consumers from predation. A widely-used tool for building this capability is financial education. Yet evidence suggests that conventional approaches which teach concepts in classroom-style...
Persistent link: https://www.econbiz.de/10012479879