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Do credit supply and unemployment risk matter for household saving? : evidence from Poland
Kłopocka, Aneta Maria; Wilczyński, Ryszard - In: Contemporary economics 15 (2021) 4, pp. 375-392
This paper contributes to the literature on the effects of uncertainty on household saving – a long-standing and … extensively explored topic yet leaving a number of issues inconclusive. It concentrates on the labor income uncertainty by … addressing saving against unemployment risk in terms of changes in credit supply and households’ financial wealth. Time series …
Persistent link: https://www.econbiz.de/10012802075
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Labor income profiles are not heterogeneous : evidence from income growth rates
Hryshko, Dmytro - In: Quantitative economics : QE ; journal of the … 3 (2012) 2, pp. 177-209
Idiosyncratic labor incomes are typically modeled either by stochastic processes with heterogeneous income profiles (HIPs) or restricted income profiles (RIPs). The HIP assumes that individual labor income grows deterministically at an unobserved rate and contains a persistent but stationary...
Persistent link: https://www.econbiz.de/10011756817
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The determinants of savings rates in OECD countries : the role of private pensions
Gebeşoğlu, Pınar Fulya; Ertuğrul, Hasan Murat; … - In: Central Bank review / Central Bank of the Republic of Turkey 23 (2023) 1, pp. 1-7
The design of pension schemes is crucial in determining savings behavior. The impact of pension schemes on saving rates across countries remains to be an intriguing empirical question considering the complicated nature of the relationship between saving patterns and pension wealth. This paper...
Persistent link: https://www.econbiz.de/10014281529
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Uncertainty in banking and trade credit of firms
Huynh, Japan - In: Borsa Istanbul Review 24 (2024) 4, pp. 838-855
effect of banking uncertainty on firms' trade credit. We find that trade credit increases with heightened uncertainty in the … with lower bank debt in firms, indicating a substitution effect between bank credit and trade credit when uncertainty rises …. A further mechanism test shows that the uncertainty effect on trade credit works through strategic and financing motives …
Persistent link: https://www.econbiz.de/10014635484
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Does economic uncertainty affect domestic credits? : an empirical investigation
Gozgor, Giray; Demir, Ender; Belás, Jaroslav; … - In: Journal of international financial markets, … 63 (2019), pp. 1-11
Persistent link: https://www.econbiz.de/10012263341
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COVID-19 pandemic risk and probability of loan default : evidence from marketplace lending market
Nigmonov, Asror; Shams, Syed - In: Financial innovation : FIN 7 (2021), pp. 1-28
2020. We also find that the magnitude of the impact of COVID-19 risk is higher for borrowers with lower credit ratings and …
Persistent link: https://www.econbiz.de/10012705553
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On the predictors of loan utilization and delinquency among microfinance borrowers in Zimbabwe : a Poisson regression approach
Chamboko, Richard; Guvuriro, Sevias - In: Cogent economics & finance 10 (2022) 1, pp. 1-13
. However, policies that seek to improve access to credit for women and youth remain a priority. …
Persistent link: https://www.econbiz.de/10013400000
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Cross-border commuting and migration intentions : the roles of risk aversion and time preference
Nowotny, Klaus - In: Contemporary economics 8 (2014) 2, pp. 137-156
This article analyses the effects of individual risk aversion and time preference on cross-border mobility intentions using a theoretical and empirical model. The paper extends the previous literature by considering both cross-border commuting and migration as modes of mobility. The theoretical...
Persistent link: https://www.econbiz.de/10010406276
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Risks of observable and unobservable biases in artificial intelligence predicting consumer choice
Teleaba, Florian; Popescu, Sorin; Olaru, Marieta; … - In: Amfiteatru economic : an economic and business research … 23 (2021) 56, pp. 102-119
Companies are increasingly adopting Artificial Intelligence (AI) today. Recently however debates started over the risk of human cognitive biases being replicated (and scaled) by AI. Research on biases in AI predicting consumer choice is incipient and focuses on observable biases. We provide a...
Persistent link: https://www.econbiz.de/10012821258
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Determinants of financial literacy among German students : an empirical analysis
Riebe, Katharina - In: Vierteljahrshefte zur Wirtschaftsforschung 89 (2020) 4, pp. 39-53
Finanzkompetenzen haben für die gesellschaftliche Teilhabe eine hohe Bedeutung. Dieser Beitrag führt eine empirische Evaluation der Determinanten der Finanzkompetenz von Studierenden an einer deutschen Hochschule durch. Ein weiteres Ziel ist auch die Identifizierung der geschlechtsspezifischen...
Persistent link: https://www.econbiz.de/10012990264