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household credit is related to foreign bank ownership. In countries with higher foreign bank presence we find a stronger … relation between household income, education and employment status and the use of credit cards and mortgages. Our findings are …
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located closer to the household than non-mortgage relations. Examining the heterogeneity of mortgage relations across …
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A fairly extensive literature from the field of empirical psychology has provided evidence that personality factors and attitudes toward credit may influence individuals' debt financing decisions. This paper investigates the importance of these factors by analysing the results of an original...
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