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Who lost the most?
Bucher-Koenen, Tabea; Ziegelmeyer, Michael - 2011
We study how and to what extent private households are affected by the recent financial crisis and how their financial decisions are in uenced by this shock. Our analysis reveals that individuals with low levels of financial literacy are less likely to have invested in the stock market and thus...
Persistent link: https://www.econbiz.de/10009640632
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Wealth mobility and dynamics over entire individual working life cycles
Hochguertel, Stefan; Ohlsson, Henry - 2011
We study taxable wealth in unique Swedish administrative data, annually following a large sample of households over a period of almost 40 years. The main data limitation is non-observability of wealth for those below the tax exemption level. This implies that much of the focus of the paper is on...
Persistent link: https://www.econbiz.de/10009640634
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Managing household debts : social service provision in the EU ; Workshop report - Brussels, 25 June 2010
European Foundation for the Improvement of Living and … - 2010
Overall, household debt levels have risen sharply over the past decades in EU Member States. While certain levels of … household debts can be beneficial, they can become problematic especially with a sudden, unexpected decrease of incomes or …
Persistent link: https://www.econbiz.de/10011903923
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Managing household debts : Social service provision in the EU ; Working paper
Dubois, Hans; Anderson, Robert - 2010
Household over-indebtedness is among the causes of the current financial crisis. In turn, the crisis exacerbated both … public and private debt problems. In this paper, household over-indebtedness is broadly defined as the situation where a … household cannot comply with payment requirements – whether it be mortgage, utility or consumer credit payments – on a …
Persistent link: https://www.econbiz.de/10011903924
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Evaluation of Visibility of EU external action : Final Report ; Volume 1
PARTICIP GmbH Consultants für Entwicklung und Umwelt, … - 2012
The mandate for this study was to undertake an evaluation of EU external action as managed by three DGs: DG RELEX, DG DEV and DG AIDCO. The Terms of Reference identified two main objectives (ToR, Feb 2010, Section 1 – reproduced in Annex 1): · To provide an overall independent assessment of...
Persistent link: https://www.econbiz.de/10011799380
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Handbook on Community state aid rules for SMEs
Europäische Kommission - 2009
Persistent link: https://www.econbiz.de/10009638921
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Mortgage indebtedness and household financial distress
Georgarakos, Dimitris; Lojschova, Adriana; … - 2010
-adjusted income levels, various socioeconomic characteristics, housing traits, country-specific constant terms, and household …
Persistent link: https://www.econbiz.de/10009640403
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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/10009640636
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Subprime consumer credit demand
Alan, Sule; Dumitrescu, Ruxandra; Loranth, Gyongyi - 2011
We test the interest rate sensitivity of subprime credit card borrowers using a unique panel data set from a UK credit card company. What is novel about our contribution is that we were given details of a randomized interest rate experiment conducted by the lender between October 2006 and...
Persistent link: https://www.econbiz.de/10009640638
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Optimal dynamic risk sharing when enforcement is a decision variable
Koeppl, Thorsten V. - 2003
Societies provide institutions that are costly to use, but able to enforce long-run relationships. We study the optimal decision problem of using self-governance for risk sharing or governance through enforcement provided by these institutions. Third-party enforcement is modelled as a costly...
Persistent link: https://www.econbiz.de/10009635888