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Behavioural characteristics and financial distress
McCarthy, Yvonne - 2011
Using a new nationally representative survey of financial capability and experience in the UK and Ireland, I investigate the key factors that cause individuals to experience financial distress. In this context, a key area that I focus on is whether individuals’ behavioural traits, such as...
Persistent link: https://www.econbiz.de/10011605349
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Investment in financial literacy and saving decisions
Jappelli, Tullio; Padula, Mario - 2011
We present an intertemporal consumption model of consumer investment in financial literacy. Consumers benefit from such investment because their stock of financial literacy allows them to increase the returns on their wealth. Since literacy depreciates over time and has a cost in terms of...
Persistent link: https://www.econbiz.de/10010308561
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Banks information policies, financial literacy and household wealth
Fort, Margherita; Manaresi, Francesco; Trucchi, Serena - 2012
We investigate the causal effect of financial literacy on financial assets, exploiting banks information policies for identification. In Italy, banks who belong to the PattiChiari consortium have implemented policies aimed at increasing transparency and procedural simplification. These policies...
Persistent link: https://www.econbiz.de/10010289931
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Financial investments, information flows, and caste affiliation: Empirical evidence from India
Bönte, Werner; Filipiak, Ute - 2011
This paper empirically investigates the relevance of social interaction and caste affiliation for individual awareness of financial instruments and investment behavior in India. The results of our empirical analysis, which is based on a large scale survey on saving patterns of Indians, suggest a...
Persistent link: https://www.econbiz.de/10010291106
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Sociodemographic, economic, and psychological drivers of the demand for life insurance: Evidence from the German Retirement Income Act
Hecht, Carolin; Hanewald, Katja - 2010
We exploit the natural experiment of the 2005 income tax reform in Germany to study the effects of tax incentives on consumer behavior in life insurance markets. Our empirical analysis of sociodemographic, economic, and psychological household characteristics elicited in the German SAVE study...
Persistent link: https://www.econbiz.de/10010281497
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Spekulativ oder nachhaltig? Prokon
Schrooten, Mechthild - In: Wirtschaftsdienst 94 (2014) 2, pp. 85-86
Persistent link: https://www.econbiz.de/10010368644
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Teaching teenagers in finance: does it work?
Lührmann, Melanie; Serra-Garcia, Marta; Winter, Joachim - 2012
Many initiatives worldwide aim at improving financial literacy through targeted education programs, yet there is little evidence regarding their effectiveness. We examine the impact of a short financial education program on teenagers in German high schools. Our findings reveal that the training...
Persistent link: https://www.econbiz.de/10010427637
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Zurückhaltung der Deutschen: Aktienmarkt
von Lüde, Rolf - In: Wirtschaftsdienst 94 (2014) 10, pp. 688
Persistent link: https://www.econbiz.de/10010471437
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Financial capability, income and psychological wellbeing
Taylor, Mark; Jenkins, Stephen; Sacker, Amanda - 2011
We examine whether financial capability has impacts on psychological health independent of income and financial resources more generally using a nationally representative survey. British Household Panel Survey data are used to construct a measure of financial capability, which we relate to...
Persistent link: https://www.econbiz.de/10010288963
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Assessing bias in the estimation of causal effects: Rosenbaum bounds on matching estimators and instrumental variables estimation with imperfect instruments
DiPrete, Thomas A.; Gangl, Markus - 2004
largely free of bias arising from an association between treatment status and observable variables. However, matching methods … are not robust against 'hidden bias' arising from unobserved variables that simultaneously affect assignment to treatment … resultieren. Matchingverfahren sind allerdings anfällig für Schätzverzerrungen aufgrund von 'hidden bias' durch unbeobachtete …
Persistent link: https://www.econbiz.de/10010304029