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Statistical Office, we provide empirical evidence that savings and loan contracts (SLCs) are a macrosocial phenomenon that smooths …
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The increasing demand for potable water resources worldwide due to population growth, drought, and unpredictable …
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bank accounts instead of cash. We investigate the effects on savings behavior and downstream outcomes such as assets and … trust. We find, on average, no significant impact on overall savings or downstream outcomes. However, among individuals with … nonpositive balances prior to the offering, we observe an increase in balances in savings accounts and in the transactional …
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We use administrative data for Norway to estimate an incomplete-market life cycle model of retired singles and couples with a bequest motive, health-dependent utility, and uncertain longevity and health. We allow the parameters of the bequest utility to differ between households with and without...
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it is supported by measures, such as a lower loan interest rate and a substantial share of the loan amount. Compared to …
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