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Borrowers in search of feedback : evidence from consumer credit markets
Liskovich, Inessa; Shaton, Maya - 2017 - Latest draft: March 31, 2017
We study recent technological innovation in credit markets and document their role in providing information to households. We show that households value the ability to learn detailed information about their cost of credit. This function is most valued by less creditworthy households with less...
Persistent link: https://www.econbiz.de/10011709254
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The Effects of Financial Literacy Overconfidence on the Mortgage Delinquency of US Households
Kim, Kyoung Tae - 2019
substantial effects on delinquency both for high and for low objective literacy levels. In financial education, attention should …
Persistent link: https://www.econbiz.de/10012897977
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Mortgage Indebtedness and Household Financial Distress
Georgarakos, Dimitris - 2009
socioeconomic characteristics, housing traits, country-specific constant terms, and household unobserved heterogeneity. We attribute … access to liquidity. Household's reported distress is also affected by excess indebtedness relative to the debt load of …
Persistent link: https://www.econbiz.de/10013156994
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Mortgage Indebtedness and Household Financial Distress
Georgarakos, Dimitris - 2010
-adjusted income levels, various socioeconomic characteristics, housing traits, country-specific constant terms, and household …
Persistent link: https://www.econbiz.de/10013147952
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Mortgage Indebtedness and Household Financial Distress
Georgarakos, Dimitris - 2010
socioeconomic characteristics, housing traits, country-specific constant terms, and household unobserved heterogeneity. We attribute … access to liquidity. Household's reported distress is also affected by excess indebtedness relative to the debt load of …
Persistent link: https://www.econbiz.de/10013149816
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The role of financial inclusion in moderating the incidence of entrepreneurship on energy poverty in Ghana
Asongu, Simplice; Odhiambo, Nicholas M. - 2023
This paper assesses the role of financial inclusion in moderating the incidence of entrepreneurship on energy poverty in Ghana. The assessment is made by using pooled data and two stage least squares. The exposition builds from the 7th (GLSS7) and 6th (GLSS6) rounds focusing on the Ghana Living...
Persistent link: https://www.econbiz.de/10014289138
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Diagnosis and causes of consumption servicization in Polish households
Murawska, Anna; Śniadeccy, Jan; Śniadeccy, Jędrzej - In: Economic and environmental studies : a journal for … 18 (2018) 2, pp. 763-774
, transportation, communications, recreation and culture, education, and the use of restaurants and hotels was analysed. Classification …
Persistent link: https://www.econbiz.de/10011875691
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Funding Self-Employment:The Role of Consumer Credit
Kneiding, Christoph; Kritikos, Alexander - Forschungsinstitut zur Zukunft der Arbeit <Bonn> - 2011
overdrafts – to finance business activities. Controlling forfinancial and non-financial household variables we show that self … overdrafts areused by self-employed to finance their business as well. This indicates that interminglingconstitutes a financing …
Persistent link: https://www.econbiz.de/10009522202
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Attitudes and Behaviour in Everyday Finance:Evidence from Switzerland
Fünfgeld, Brigitte; Wang, Mei - National Centre of Competence in ResearchFinancial … - 2008
The aim of this study is to examine the underlying dimensions of self-stated attitudesand behaviour concerning everyday financial affairs, and classify individuals basedon those dimensions. A questionnaire was answered by 1282 respondents in the German-speaking part of Switzerland. The sample of...
Persistent link: https://www.econbiz.de/10005868992
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Measuring expectations from household survey : new results on subjective probabilities of future house prices
Bover, Olympia - In: SERIEs : Journal of the Spanish Economic Association 6 (2015) 4, pp. 361-405
Household Finances. Households are asked to distribute ten points among five different scenarios for the change in the price of … recent work on household subjective probabilities. I model individual subjective probability densities using splines … differences in housing and household characteristics. An important result of the paper is that women are more optimistic about the …
Persistent link: https://www.econbiz.de/10011417887