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Does Greater Inequality Lead to More Household Borrowing? New Evidence from Household Data
Coibion, Olivier; Gorodnichenko, Yuriy; Kudlyak, Marianna; … - 2014
-income households increased their demand for credit to finance higher consumption expenditures in order to keep up with higherincome …
Persistent link: https://www.econbiz.de/10010333254
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Does greater inequality lead to more household borrowing? : new evidence from household data
Coibion, Olivier; Gorodnichenko, Yuriy; Kudlyak, Marianna; … - 2014
-income households increased their demand for credit to finance higher consumption expenditures in order to "keep up" with higherincome …
Persistent link: https://www.econbiz.de/10010238213
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Does Greater Inequality Lead to More Household Borrowing? New Evidence from Household Data
Coibion, Olivier - 2014
-income households increased their demand for credit to finance higher consumption expenditures in order to "keep up" with higherincome …
Persistent link: https://www.econbiz.de/10013059685
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Does Greater Inequality Lead to More Household Borrowing? New Evidence from Household Data
Coibion, Olivier - 2014
-income households increased their demand for credit to finance higher consumption expenditures in order to “keep up” with higher …
Persistent link: https://www.econbiz.de/10013060441
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Lender Heterogeneity in Home Mortgage Lending Evidence from Hmda Data in Context of the Covid-19 Pandemic
Bar, Michael; Kakar, Venoo - 2022
Studies on denial rates in mortgage lending do not adequately account for lender heterogeneity due to divergent underwriting or regulatory practices. Using a sample of over two million home purchase mortgage applications from the Home Mortgage Disclosure Act (HMDA) data between 2018-2020, we...
Persistent link: https://www.econbiz.de/10013294441
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Household Credit as Stimulus? Evidence from Brazil
Garber, Gabriel; Mian, Atif R.; Ponticelli, Jacopo; … - 2021
financial literacy. We trace the impact of credit stimulus on borrowers’ consumption through the 2011-16 business cycle, and … find that the credit stimulus resulted in higher consumption volatility and lower average consumption over the cycle. Our …
Persistent link: https://www.econbiz.de/10013322757
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Consumption Response to Credit Expansions : Evidence from Experimental Assignment of 45,307 Credit Lines
Aydin, Deniz - 2021
I design a large-scale field experiment that constructs a randomized credit limit extension isolating selection, anticipation, wealth, and interest rate effects and study the impulse responses on spending, contract choice, and balance sheets. Participants borrow to spend 11 cents on the dollar...
Persistent link: https://www.econbiz.de/10013238323
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Consumption Response to Credit Expansions : Evidence from Experimental Assignment of 45,307 Credit Lines
Aydin, Deniz - 2020
-driven consumption boom, in which I construct a randomized credit line extension that isolates selection and interest rate effects, and …
Persistent link: https://www.econbiz.de/10012828206
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Intertemporal consumption and credit constraints : does total expenditure respond to an exogenous shock to credit?
Leth-Petersen, Søren - In: The American economic review 100 (2010) 3, pp. 1080-1103
Persistent link: https://www.econbiz.de/10008749164