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Bancarizing with credit cards: Experimental evidence on interest rates and minimum payments elasticities for new clients
Seira, Enrique; Castellanos, Sara G.; Hernández, Diego … - 2015
We study the bancarization of marginal borrowers using credit cards and document that this process is difficult: default risk is substantial, returns heterogeneous, and account closings common. We also take advantage of a randomized control trial that varied interest rates and minimum payments...
Persistent link: https://www.econbiz.de/10011445061
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Borrowing on the wrong credit card : evidence from Mexico
Ponce, Alejandro; Seira, Enrique; Zamarripa, Guillermo - 2014
representative sample of consumers with two homogeneous cards in Mexico. We find that relative prices are a very weak predictor of …
Persistent link: https://www.econbiz.de/10010363244
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Are information disclosure mandates effective? : evidence from the credit card market
Elizondo Flores, Alan; Seira, Enrique - 2014
Consumer protection in financial markets in the form of information disclosure is high on governments agendas, despite the fact that the empirical evidence on its effectiveness is scarce. To measure the impact of Truth-in-Lending-Act-type disclosures on default and indebtedness, as well as of...
Persistent link: https://www.econbiz.de/10010402563
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The hidden role of contract terms : the case of credit card minimum payments in Mexico
Medina, Paolina C.; Negrin, Jose-Luis - In: Management science : journal of the Institute for … 68 (2022) 5, pp. 3856-3877
Persistent link: https://www.econbiz.de/10013368955
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The ascent of plastic money : international adoption of the bank credit card, 1950-1975
Bátiz-Lazo, Bernardo; Angel, Gustavo A. del - In: Business history review 92 (2018) 3, pp. 509-533
Persistent link: https://www.econbiz.de/10012029705
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The Hidden Role of Contract Terms : Evidence from Credit Card Minimum Payments in Mexico
Medina, Paolina C.; Negrin, Jose L. - 2021
regulatory change to credit card minimum payments in Mexico, we find that a one percentage point change in minimum payments leads …
Persistent link: https://www.econbiz.de/10013233495
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Does microfinance have an impact on borrower's consumption patterns and women's empowerment?
Feldhoff, Charlotte H.; Liu, Yi; Feldhoff, Patricia R. - 2019
This paper conducts a thorough data analysis using cross-sectional data from a study carried out in Mexico including …Diese Forschungsarbeit analysiert Querschnittsdaten aus einer in Mexiko durchgeführten Studie mit über 16 …
Persistent link: https://www.econbiz.de/10011989291
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Tenencia y uso de tarjetas de crédito en México : un análisis de los datos de la Encuesta Nacional de Ingresos y Gastos de los Hogares
Castellanos, Sara G. - In: El trimestre económico 77 (2010) 1, pp. 69-103
The authors analyze the data of credit card holding and usage in Mexico, through a sample selection model. They find … México mediante un modelo de selección de muestra. Encontran que aspectos del hogar como el ingreso, escolaridad del jefe del … sugiere que en México el uso de tarjetas de crédito se promover …
Persistent link: https://www.econbiz.de/10003955195
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Evolucion de la calidad de los usuarios de tarjetas de credito en Mexico : un enfoque microeconomico
Negrin, Jose-Luis; Cerda, Clara de la - 2002
Persistent link: https://www.econbiz.de/10001679818
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Learning the Impact of Financial Education When Take-Up is Low
Lara Ibarra, Gabriel - 2017
attempting to measure their impact. This study uses a large experiment on more than 100,000 credit card clients in Mexico. The …
Persistent link: https://www.econbiz.de/10012943986