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Credit counseling : a substitute for consumer financial literacy?
Disney, Richard; Gathergood, John; Weber, Jörg - 2014
Is financial literacy a substitute or complement for financial advice? In this paper we analyze the decision by consumers to seek financial advice in the form of credit counseling concerning their credit and debt. Credit counseling is an important component of the consumer credit sector for...
Persistent link: https://www.econbiz.de/10010429152
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Empower the Consumer! Energy-Related Financial Literacy and its Socioeconomic Determinants
Blasch, Julia - 2018
To be aware of the potential for energy savings in their homes, individuals need specific energy-related and financial …
Persistent link: https://www.econbiz.de/10012919689
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Saving for Retirement - A Case for Financial Education in Germany and UK? An Economic Perspective
Oehler, Andreas - 2010
Demographic changes, tight public budgets, and reduced generosity of occupational pension plans shift the responsibility for an adequate retirement provision towards the individual. Applying the theoretical perspectives of Behavioural Finance and New Institutionalism to the domain of retirement...
Persistent link: https://www.econbiz.de/10013139316
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The impact of school-based financial education on high school students and their teachers : experimental evidence from Peru
Frisancho Robles, Verónica - 2018
Using data from a randomized controlled trial in 300 public high schools in Peru, this paper studies the potential of school-based financial education programs for youth. The intervention improves students’ and teachers’ financial knowledge by 0.14 SD and 0.32 SD, respectively. The impact of...
Persistent link: https://www.econbiz.de/10011882060
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Self-control, financial literacy and the co-holding puzzle
Gathergood, John; Weber, Joerg - 2012
the puzzling co-existence of high cost revolving consumer credit alongside low yield liquid savings in household balance … revolving consumer credit alongside £8,000 of liquid savings. Co-holders are typically more financially literate, with above …
Persistent link: https://www.econbiz.de/10009535534
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A Literature Review on the Effectiveness of Financial Education
Martin, Matthew - 2012
behavior; and the benefits of financial education appear to span a number of areas including retirement planning, savings …
Persistent link: https://www.econbiz.de/10013096795
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Self-Control, Financial Literacy & the Co-Holding Puzzle
Gathergood, John - 2017
liquid savings in household balance sheets, which we name the ‘co-holding puzzle'. Approximately 12% of households in our …
Persistent link: https://www.econbiz.de/10012975452
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Accelerating the Impact of Financial Literacy Training Programmes on Household Consumption by Empowering Women
Koomson, Isaac; Villano, Renato; Hadley, David - 2021
This study examines the impact of a joint financial literacy and women’s empowerment training programme on household consumption as a welfare indicator. Using data collected from a randomised controlled trial conducted in Ghana, we tested for baseline balance and applied ordinary least squares...
Persistent link: https://www.econbiz.de/10013241152
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Risk and savings : a taxonomy
Gunning, Jan Willem - 2008
-period model how the effect of risk on savings depends not only on preferences but also on the type of risk. …
Persistent link: https://www.econbiz.de/10011376643
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The Response of Consumption in Russian Households to Economic Shocks
Stillman, Steven - 2001
changes in household savings are negatively related to exogenous income shocks, with this relationship strongest for low … wealth households. Only models of consumption which include precautionary savings motives can explain why poorer households … both reduce their consumption and increase their savings in response to an exogenous decline in income. …
Persistent link: https://www.econbiz.de/10010262612