We randomly assigned consumer loan requests (of random amount and length) to gender-balanced prospective-borrowers who then randomly submitted them to a representative sample of loan-officers from Chilean banks. We find that loan requests submitted by women are 18.3% less likely to be approved,...

This paper investigates the moderating effect of confidence on the gender gap in financial literacy based on a nationwide survey of German high school students. Two measures of confidence are applied while controlling for cognitive abilities and several independent variables. This study shows...

This paper conducts a thorough data analysis using cross-sectional data from a study carried out in Mexico including over 16,500 observations. In the study, clusters were selected in areas Compartamos Banco, a Microfinance institution (MFI), has not lent in before. The clusters were randomly...

By representing a system of budget shares as an approximate factor model we determine its rank, i.e. the number of common functional forms, or factors and we estimate a base of the factor space by means of approximate principal components. We assume that the extracted factors span the same space...

The paper uses micro cross-section data from the GfK consumer panel for econometric demand analysis of private households in Germany. Contrary to most research which considered "average" behavior we extend this approach to consumer behavior for different "intensities" of consumption. Our...