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The Effect of Financial Literacy on Emergency Fund Adequacy

Lee, Sunwoo T.; Hanna, Sherman D. - 2022

Analyses of the 2016 Survey of Consumer Finances (SCF) dataset found that 33% of households had comprehensive financial assets (excluding retirement funds) sufficient to cover 3 months of spending. We conducted a hierarchical model and found that objective literacy (score on a financial...

Persistent link: https://www.econbiz.de/10014236269

How is Financial Literacy Important in Emerging Mortgage Markets? Evidence from Urban China

Fan, Ying; Yang, Zan; Wang, Yidi - 2022

This study highlights the importance and impacting channels of financial literacy on household mortgage decisions in a … mortgage demand in terms of loan-to-value ratio. Our further tests provide economic explanations that households with higher …. Moreover, we find financial education programs increase formal mortgage demand over informal borrowing to finance housing …

Persistent link: https://www.econbiz.de/10013403717

Financial Literacy and Financial Behavior : Evidence from the Emerging Asian Middle Class

Grohmann, Antonia - 2017

This paper analyses financial literacy and financial behavior of middle class people living in an urban Asian economy. Other than most papers on financial literacy that focus on people in developed countries, we surveyed people living Bangkok. Using standard financial literacy questions, we find...

Persistent link: https://www.econbiz.de/10012941767

Determinants of Saving-Borrowing Decisions and Financial Inclusion in a High Middle Income Country : The Turkish Case

Davutyan, Nurhan - 2015

We use a representative survey of the Turkish household sector and investigate the determinants of saving-borrowing decisions. We use the same set of regressors to account for the impact of economic and demographic factors on the choices involved. Thus we run four probit regressions to elucidate...

Persistent link: https://www.econbiz.de/10013026812

Financial fragility and financial stress during the COVID-19 crisis : evidence from Colombian households

Cardona-Montoya, Raúl Armando; Cruz, Vivian; Arturo … - In: Journal of economics, finance & administrative science 27 (2022) 54, pp. 376-393

Purpose - Our findings indicate that workers with more financial education were more prepared to face the negative effects on their finances from COVID. This ability reduces the probability of becoming financially fragile and experiencing financial stress. Design/methodology/approach - The...

Persistent link: https://www.econbiz.de/10014339154

Introduction of an income contingent repayment scheme for non-performing mortgage loans : lessons from Hungary's case

Berlinger, Edina; Walter, György - 2015

In Hungary, more than 22% of the FX mortgage portfolio is non-performing and the tendency is worsening. In this paper … model can be applied to other mortgage portfolios in trouble, as well. The main element of our proposal is the income … lenders on the basis of the non-performing FX mortgage portfolio. The results underpin that the proposed scheme creates …

Persistent link: https://www.econbiz.de/10010463924

An Analysis and Risk Modeling on Mortgage Payment Defaults in an Emerging Market

Gebizlioglu, Omer - 2015

This paper presents an analysis and default risk modeling on the non-performing loans of an emerging mortgage market … twenty-six variables that are contained in almost a hundred thousand records about the mortgage loan borrowers. The …

Persistent link: https://www.econbiz.de/10013020690

Explaining Default of Mortgages in An Emerging Market Using SHAP and LASSO

Ozturkkal, Belma; Wahlstrøm, Ranik Raaen - 2022

loan-specific, macroeconomic, and demographic variables are important in explaining mortgage default. We share our code for …

Persistent link: https://www.econbiz.de/10014239261

The volatility of return revisions and financial statement literacy in emerging markets : the case of cross-listed Chinese firms

Callen, Jeffrey L.; Lai, Karen M. Y.; Wei, Steven X. - In: Journal of business finance & accounting : JBFA 43 (2016) 5/6, pp. 572-596

Persistent link: https://www.econbiz.de/10011610323

Impact of Fintech Development on Savings, Borrowing and Remittances : A Comparative Study of Emerging Economies

Lyons, Angela - 2020

Fintech is rapidly changing the landscape for financial services in terms of accessibility and affordability, especially in this post-COVID era. Digital finance now has the potential to be a game changer for the nearly two billion financially excluded persons in the developing and emerging...

Persistent link: https://www.econbiz.de/10012823597

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