We study whether the level of household indebtedness is related to the interest rate elasticity of private consumption … even as the household sector's debt-to-income ratio has almost doubled in the past 20 years. Estimates based on the … household-level Finnish Wealth Survey suggest that the share of liquidity-constrained households has declined over the same time …

credit risk assessment and control. …This paper examines to what extent household leverage - as measured by the debt-to-income (DTI) ratio - predicts … delinquency in Peru's consumer credit market. A model is estimated to assess the relation between delinquency and the DTI ratio …

We exploit a nation-wide introduction of mandatory disclosure of borrowers' total credit exposures and show that … sharing such information increases credit access independent of borrowers' history. Differentiating between borrowers applying … history, we find an overall increase in credit access measured by both loan application acceptance and credit amount. While …

Research subject of this paper is the credit transmission mechanism in the Republic of Macedonia or in other words this …. The credit transmission is analyzed through its narrow nature or so called bank lending channel. In order to explain how … first one is the traditional bank lending channel explained by Bernanke and Blinder model and the second one is the credit …

This paper investigates the main individual driving forces of Hungarian household credit risk and measures the … testing. Our results suggest that the main individual factors affecting household credit risk are disposable income, the … credit risk, namely the financial margin, the logit and the neural network approaches, and uses these methods for stress …