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Knowing what not to do: Financial literacy and consumer credit choices
Dick, Christian D.; Jaroszek, Lena M. - 2013
Based on a rich panel of household data, we investigate the determinants of the use of consumer credit in Germany. We find that the usage frequency of an easily accessible, but relatively expensive source of consumer credit decreases with financial literacy but is unrelated to household income....
Persistent link: https://www.econbiz.de/10010312877
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Knowing what not to do: Financial literacy and consumer credit choices
Dick, Christian D.; Jaroszek, Lena M. - Zentrum für Europäische Wirtschaftsforschung (ZEW) - 2013
Based on a rich panel of household data, we investigate the determinants of the use of consumer credit in Germany. We find that the usage frequency of an easily accessible, but relatively expensive source of consumer credit decreases with financial literacy but is unrelated to household income....
Persistent link: https://www.econbiz.de/10010957617
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Multidimensional affluence in income and wealth in the eurozone: A cross country comparison using the HFCS
Kontbay-Busun, Sine; Peichl, Andreas - 2014
This paper applies multidimensional affluence measures to a new dataset on income and wealth in 15 Eurozone countries …. We start our analysis by examining the income and wealth distributions separately for each country, and extend it to a … multidimensional setting by considering the joint distribution of income and wealth. The results indicate that the percentage of …
Persistent link: https://www.econbiz.de/10010460699
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Multidimensional affluence in income and wealth in the eurozone: A cross country comparison using the HFCS
Kontbay-Busun, Sine; Peichl, Andreas - Zentrum für Europäische Wirtschaftsforschung (ZEW) - 2014
This paper applies multidimensional affluence measures to a new dataset on income and wealth in 15 Eurozone countries …. We start our analysis by examining the income and wealth distributions separately for each country, and extend it to a … multidimensional setting by considering the joint distribution of income and wealth. The results indicate that the percentage of …
Persistent link: https://www.econbiz.de/10011122566
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Family Tax Splitting: A Microsimulation of its Potential Labour Supply and Intra-household Welfare Effects in Germany
Laisney, François; Beninger, Denis; Beblo, Miriam - Zentrum für Europäische Wirtschaftsforschung (ZEW) - 2003
This paper assesses the effects that an introduction of the French family splitting mechanism would have on German families' labour supply and intra-household consumption behaviour. We use simulated real world microdata created by means of a 'deterministic' collective labour supply model. The...
Persistent link: https://www.econbiz.de/10005098151
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Family Tax Splitting: A Microsimulation of its Potential Labour Supply and Intra-household Welfare Effects in Germany
Laisney, François; Beninger, Denis; Beblo, Miriam - 2003
This paper assesses the effects that an introduction of the French family splitting mechanism would have on German families' labour supply and intra-household consumption behaviour. We use simulated real world microdata created by means of a 'deterministic' collective labour supply model. The...
Persistent link: https://www.econbiz.de/10010297284
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Finanzwissen und Finanzbildung in Deutschland: Was wissen wir eigentlich?
Bucher-Koenen, Tabea; Knebel, Caroline - 2021
Im internationalen Vergleich verfügen die Deutschen über ein relativ hohes Finanzwissen. Allerdings bedeutet dies nicht, dass Finanzwissen universell verbreitet ist. Der Anteil der Befragten, die drei grundlegende Fragen zu Zins, Inflation und Risikodiversifikation beantworten können, liegt...
Persistent link: https://www.econbiz.de/10012435797
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The demand for index-based flood insurance in a high-income country
Achtnicht, Martin; Osberghaus, Daniel - 2016
Flood insurance helps to cope with the risk of flooding, but take-up rates are relatively low. Insurance density could rise if index-based insurance (IBI) were provided as an alternative to traditional damage-based insurance (DBI). We analyze whether there is potential for private demand for IBI...
Persistent link: https://www.econbiz.de/10011504340
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Do savings increase in response to salient information about retirement and expected pensions?
Dolls, Mathias; Doerrenberg, Philipp; Peichl, Andreas; … - 2016
How can retirement savings be increased? We explore a unique policy change in the context of the German pension system to study this question. As of 2004, the German pension authority started to send out annual letters providing detailed and comprehensible information about the pension system...
Persistent link: https://www.econbiz.de/10011536015
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Linking savings behavior, confidence and individual feedback: A field experiment in Ethiopia
Avdeenko, Alexandra; Bohne, Albrecht; Frölich, Markus - 2019
In this paper we investigate behavioral constraints to savings among smallholder farmers in rural Ethiopia. Increasing savings by overcoming such behavioral constraints has been documented to have positive effects on various outcomes such as health, education, and agricultural investments. We...
Persistent link: https://www.econbiz.de/10012140942