This study investigates the role of risk attitudes and financial expectations in households’ borrowing behaviour. The … central research question is whether risk aversion and optimistic expectations provide additional information beyond the main … economic and sociodemographic characteristics in predicting applications for credit and the size of debt. The paper uses …

/Value - household borrowing, the credit market and the P2P platforms are widely analysed by both academics and financial institutions …Purpose - to analyse the main borrowing alternatives available to Lithuanian households and the credit market as a … macroeconomic environment for all the credit market segments is the same, the P2P segment is developing significantly faster. If …

between household debt levels, financial stability risks, and the ongoing implications of the ‘debt overhang’ for economic … growth. However, accurately measuring the household debt burden remains problematic. Aggregate measures of household … indebtedness (e.?g. household liabilities relative to income) fail to fully capture the debt servicing burdens of households …

This paper looks at arrears among US households between 1995 and 2013. It uses household data from the Survey of … Consumer Finances (SCF) where arrears occur when a household reports it “sometimes got behind or missed a payment”. The key …

systemic risk caused by the developing gap between the growth of household indebtedness and the growth in real estate prices …. The paper recapitulates the main factors of the growth rate of household indebtedness and the extent to which the adopted …

The subject of the study is the phenomenon of household financialization. In the first part of the article a sense of … the years 2005-2015. On the side of household savings, the analysis included the level and the structure of financial … assets. The second area of evaluation of the household financialization processes was bank debt analysis, including mortgage …