missing from credit bureau data act as a drag on state-level consumption growth. This finding seems to be driven by young …There are more young adults today with either no credit history or insufficient credit history to be scored by one of … the major credit bureaus than there were before the Great Recession−a reality that is likely an unintended outcome of the …

consumption, saving and labour supply decisions in response to higher prices. This article discusses what those strategies have ….g. offers) and reducing their saving and spending levels. •Spanish households have resorted to credit and increased their labour … supply (by taking a second job or working longer hours) to cushion the impact of higher prices on consumption more than their …

adults missing from credit bureau data act as a drag on state-level consumption growth. This finding seems to be driven by …There are more young adults today with either no credit history or insufficient credit history to be scored by one of … the major credit bureaus than there were before the Great Recession−a reality that is likely an unintended outcome …

recent substantial rise (2008-2011) can be interpreted using a parsimonious 'buffer stock' model of consumption in the … presence of labor income uncertainty and credit constraints. Saving in the model is affected by the gap between 'target' and … actual wealth, with the target determined by credit conditions and uncertainty. An estimated structural version of the model …

We study an Agent-based model of household-bank relationships where households borrow for the purpose of consumption …. Desired consumption is driven by households disposable income as well as a social norm of consumption. If households care … conduct several computational experiments, where the absence of the social consumption norm (Joneses effect) functions as …

recent substantial rise (2008-2011) can be interpreted using a parsimonious buffer stock model of consumption in the presence … of labor income uncertainty and credit constraints. Saving in the model is affected by the gap between target and actual … wealth, with the target determined by credit conditions and uncertainty. An estimated structural version of the model …

I design a large-scale field experiment that constructs a randomized credit limit extension isolating selection … by the third year. The effects extend to those far from the limit, those who had the new limits as available credit, and …