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Studie zu Dispozinsen / Ratenkrediten - Forschungsvorhaben zur Bereitstellung wissenschaftlicher Entscheidungshilfe für das Bundesministerium für Ernährung, Landwirtschaft und Verb...
Dick, Christian D.; Knobloch, Michael; Al-Umaray, Kerim S. - Deutsche Zentralbibliothek für … - 2012
Dispositionsrahmen der Kredit zum Befragungstag in Anspruch genommen. Insgesamt werden die Zinssätze für Überziehungskredite von Experten …Study on Overdraft and Instalment Credit Reference No: 514-06.01-2810HS034 Duration 8/2011 – 5/2012 - Executive Summary … authorised credit limit on a facility amounts to a multiple of three times an individual’s net monthly income, a figure that is …
Persistent link: https://www.econbiz.de/10010981782
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Predatory lending and the subprime crisis
Agarwal, Sumit; Amromin, Gene; Ben-David, Itzhak; … - In: Journal of Financial Economics 113 (2014) 1, pp. 29-52
We measure the effect of a 2006 antipredatory pilot program in Chicago on mortgage default rates to test whether predatory lending was a key element in fueling the subprime crisis. Under the program, risky borrowers or risky mortgage contracts or both triggered review sessions by housing...
Persistent link: https://www.econbiz.de/10010776501
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Financial Literacy, Financial Education, and Economic Outcomes
Hastings, Justine S.; Madrian, Brigitte C.; Skimmyhorn, … - In: Annual Review of Economics 5 (2013) 1, pp. 347-373
In this article, we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature and examine how well the existing literature addresses whether financial education improves financial...
Persistent link: https://www.econbiz.de/10010822972
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Does Mandatory Loan Review Affect Mortgage Contract Choice and Performance?
Ben-David, Itzhak; Agarwal, Sumit; Amromin, Gene; … - Networks Financial Institute, Scott College of Business - 2011
performance of mortgage credit. Our study is based on a legislative pilot carried out by the State of Illinois in a selected set …. Instead, external review presented strong incentives for lenders to impose tighter ex ante screening on low-credit …
Persistent link: https://www.econbiz.de/10010761887
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Is Market-Oriented Reform Producing a “Two-Track” Europe? Evidence from Electricity and Telecommunications
Clifton, Judith; Díaz-Fuentes, Daniel; Fernández … - Volkswirtschaftliche Fakultät, … - 2011
The European Commission has formally recognised that adequate provision of basic household services, including energy …
Persistent link: https://www.econbiz.de/10009277278
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Stochastic Dynamic Model on the Consumption – Saving Decision for Adjusting Products and Services Supply According with Consumers` Attainability
Prelipcean, Gabriela; Boscoianu, Mircea - In: The AMFITEATRU ECONOMIC journal 16 (2014) 35, pp. 201-201
The recent crisis and turbulences have significantly changed the consumers’ behavior, especially through its access possibility and satisfaction, but also the new dynamic flexible adjustment of the supply of goods and services. The access possibility and consumer satisfaction should be...
Persistent link: https://www.econbiz.de/10010760084
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Making the Banking Sector More Resilient and Reducing Household Debt in the Netherlands
Kierzenkowski, Rafał; Havrylchyk, Olena; Beynet, Pierre - Economics Department, Organisation de Coopération et … - 2014
lowering its cost. Welcome measures have been taken to encourage household deleveraging, but deeper and broader steps are …
Persistent link: https://www.econbiz.de/10011276851
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Measuring Financial Literacy: Results of the OECD / International Network on Financial Education (INFE) Pilot Study
Atkinson, Adele; Messy, Flore-Anne - Directorate for Financial, Fiscal and Enterprises … - 2012
This paper presents the findings from an OECD International Network on Financial Education pilot study undertaken in 14 countries. The analysis focuses on variations in financial knowledge, behaviour and attitude across countries and within countries by socio-demographics.<p>The results highlight a...</p>
Persistent link: https://www.econbiz.de/10011007193
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When does the general public lose trust in banks?
Jansen, David-Jan; Mosch, Robert; Cruijsen, Carin van der - de Nederlandsche Bank - 2013
When does the general public lose trust in banks? We provide empirical evidence using responses by Dutch survey participants to eight hypothetical scenarios. We find that members of the general public care strongly about executive compensation. Negative media reports, falling stock prices, and...
Persistent link: https://www.econbiz.de/10010726974
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Immigration and Inequality
Card, David - In: American Economic Review 99 (2009) 2, pp. 1-21
Persistent link: https://www.econbiz.de/10004999865