This paper uses survey data for over 23,000 households from 28 transition countries in 2010 to explore how the use of 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...

We document economically important correlations between children's future credit outcomes and their parents' credit risk scores, default, and the extent of credit constraints - intergenerational linkages in household credit. Using observations on siblings, we find that the linkages are due to...

The microeconomic drivers of medium- and short-term income mobility in Russia over the period 1996-2016 are investigated using data from the Russian Longitudinal Monitoring Survey (RLMS). Focusing on the role of access to credit in triggering household income growth, the descriptive analysis...

Smart Homes system has gained a huge demand in last few years as they improve the standard of living and give user an easy life. Any house that is integrated with automated technology (i.e., has connectivity in nearly all devices) is called a smart home. The concept of smart home can be explored...

This paper aims to measure the impact of broadband speed access and upgrades on the household income based on a survey comprising 20,000 respondents in eight OECD and three BRIC countries in 2010 (Brazil, India and China). The study is novel, as most previous studies on broadband emphasize the...

The Treasury has, at times, suggested giving greater consideration to reforms to narrow the Saving-Investment gap. However, there has been less discussion of specific policy options for doing this. This paper helps to fill the gap by asking what policy reforms could help to narrow the...

Empirical evidence that migrants send home more remittances after disasters raises the question of whether remittances can be used to self-insure, substituting for both formal and informal insurance. We investigate this question using a unique data set on the usage patterns of financial services...

This paper investigates the economic conditions of rural households in China. Historical survey data indicate that over 80 per cent of rural households earn less than 4,500 yuan in net disposable income each year, that for the vast majority of rural households disposable income is insufficient...