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Finanzkompetenzen haben für die gesellschaftliche Teilhabe eine hohe Bedeutung. Dieser Beitrag führt eine empirische Evaluation der Determinanten der Finanzkompetenz von Studierenden an einer deutschen Hochschule durch. Ein weiteres Ziel ist auch die Identifizierung der geschlechtsspezifischen...
Persistent link: https://www.econbiz.de/10012990264
Germany's bank-based financial system provides a high level of financial inclusion, measured by bank outreach and use of financial services. However, the most vulnerable individuals and small enterprises in Germany tend to be excluded or credit constrained. The quality of financial inclusion is...
Persistent link: https://www.econbiz.de/10010532087
. It examines whether financial behavior, confidence, time preferences, risk preferences and financial literacy perceptions … information, FB, financial perceptions and financial knowledge responses as well as a multiple price list (MPL) risk preferences … and time preferences experiment tasks. A convenient total sample of 191 students (females = 53%) participated in the study …
Persistent link: https://www.econbiz.de/10012023109
We study an investment experiment conducted with a representative sample of German households. Respondents invest in a safe asset and a risky asset whose return is tied to the German stock market. Experimental investments correlate with beliefs about stock market returns and exhibit desirable...
Persistent link: https://www.econbiz.de/10010413601
We analyze whether the frequent use of credit lines is rational or influenced by behavioral traits of households. We consider the special case of Germany where credit lines on current accounts are available to 80% of the population. We document that the excessive usage of costly credit lines is...
Persistent link: https://www.econbiz.de/10010484414
This research challenges the stylized fact of a gender gap in financial literacy, i.e. the finding that women lag behind men in this respect. Our data which samples middle-class people from Bangkok does not show a gender gap, neither in regards to financial literacy nor regarding various kinds...
Persistent link: https://www.econbiz.de/10010484765
We study an investment experiment conducted with a representative sample of German households. Respondents invest in a safe asset and a risky asset whose return is tied to the German stock market. Experimental investments correlate with beliefs about stock market returns and exhibit desirable...
Persistent link: https://www.econbiz.de/10011298558
Since the financial crisis financial literacy has attracted growing interest among researchers and policy makers, as there is international empirical evidence that financial literacy is poor among both adults and students. In Germany we have almost no empirical evidence on financial literacy,...
Persistent link: https://www.econbiz.de/10012060910
I examine the financial fragility of German households during the second wave of COVID-19 infections in the winter of 2020/21 by analyzing the households’ ability to come up with EUR 2,000 within one month. About one in three households reports being unable to cover an unexpected expense of...
Persistent link: https://www.econbiz.de/10013479842
Germany's bank-based financial system provides a high level of financial inclusion, measured by bank outreach and use of financial services. However, the most vulnerable individuals and small enterprises in Germany tend to be excluded or credit constrained. The quality of financial inclusion is...
Persistent link: https://www.econbiz.de/10013019797