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THE SYSTEM OF HOUSE FINANCING IN ROMANIA

BANICA, Gina Cristina; PARLOG, Cornelia - In: Theoretical and Empirical Researches in Urban Management 2 (2007) 2, pp. 56-63

The system of house financing represents a part of the system for house building and acquisition. It is made up of a net of intermediaries which offer, on one side, the financial instruments needed for savings and inputs mobilization, while on the other side they offer credits (outputs) for...

Persistent link: https://www.econbiz.de/10005138503

Inter-institutional cooperation and migrants' financial education : an Italian case study

Nocito, Samuel; Venturini, Alessandra - 2024

institutions, cooperatives, and non-profit associations in expanding the reach and effectiveness of financial education projects …

Persistent link: https://www.econbiz.de/10015046100

The Racial Saving Gap Enigma: Unraveling the Role of Institutions

Belton, Willie; Uwaifo Oyelere, Ruth - Agricultural and Applied Economics Association - AAEA - 2008

of the long-lived nature of institutions and the link between institutions and culture. In this paper, we provide an … scaffolding erected many years earlier. Using a novel within race decomposition we provide evidence that past institutions … be attributed solely to racial discrimination but can be explained by the response of culture to institutional …

Persistent link: https://www.econbiz.de/10005523050

Ethnicity and Retirement Wealth

Naylor, Michael - 2011

outside of the USA.The article uses data from a detailed nation-wide survey to examine what demographic factors and socio …

Persistent link: https://www.econbiz.de/10013123463

Racial/Ethnic Discrepancies in Household Overspending

Zan, Hua - 2016

An analysis of 6,113 households with four quarters of expenditure data in the 2004-2005 U.S. Consumer Expenditure Interview Survey found that 43% of households had outlays more than aftertax income, and 25% of households had outlays that were 127% or more of aftertax income. Black and...

Persistent link: https://www.econbiz.de/10012977728

The Role of Credit Attributes in Explaining the Homeownership Gap between Whites and Minorities since the Financial Crisis, 2012–18

Brown, Lariece M - 2020

Homeownership rates have been slow to recover since the financial crisis. Minority groups such as Blacks and Hispanics have been particularly slow to transition into homeownership. Using uniquely constructed anonymized household panel data obtained from a credit bureau, we find that Blacks and...

Persistent link: https://www.econbiz.de/10012850260

The Impact of Financial Inclusion on Minorities : Evidence from the Freedman's Savings Bank

Celerier, Claire; Tak, Purnoor - 2021

This paper investigates whether minorities always benefit from financial inclusion. We show that the Freedman's Savings Bank, established in 1865 after the Civil War, collected deposits from recently freed enslaved people through an intensive marketing campaign based on coercive language and...

Persistent link: https://www.econbiz.de/10013224064

Public Concern about Immigration and Customer Complaints against Minority Financial Advisors

Law, Kelvin; Zuo, Luo - 2021

We examine the relation between public concern about immigration and customer complaints against minority financial advisors in the United States. We find that minority advisors are more likely to receive complaints in periods of high public concern about immigration than in other periods,...

Persistent link: https://www.econbiz.de/10013212689

Social Influence in the Housing Market

Pan, Carrie H. - 2013

We utilize the decennial U.S. Census to study social effects in housing consumption across 4 million households from 126 ethnic groups and 2,071 geographic locations in the U.S. We find that the home ownership decisions within ethnic groups are locally correlated, after controlling for the home...

Persistent link: https://www.econbiz.de/10013077742

Minority Loan Officers and Minorities’ Access to Mortgage Credit

Frame, W. Scott; Huang, Ruidi; Mayer, Erik J.; Sunderam, Adi - 2022

We study the relationship between the labor market for loan officers and access to credit in the residential mortgage market. Using novel data matching the (near) universe of mortgage applications to loan officers, we find that minorities are significantly underrepresented among mortgage loan...

Persistent link: https://www.econbiz.de/10013297237