We explore whether behavioral biases impede the effective processing and interpretation of soft information in private lending. Taking advantage of the internal reporting system of a large federal credit union, we delineate three important biases likely to affect the lending process: (1) limited...

This paper uses 1998 household level data from urban Malawi to look at the impact on consumption patterns of the share of total household income accruing to different individuals within the household. Specifically, male and female income shares and other factors which may influence...

In this paper we examine the mobility of Polish households with regard to saving rates during the years 2007-2010 and compare it with the households’ saving mobility during the years 1997-2000. The analysis for 2007-2010 is based on the household budget panel data from three panels of 15,000...

The paper deals with the assessment of income situation of the Czech households with the head person working or self-employed in the farm sector. Actual analyses result from initial consideration of the rise and dynamics of income disparities in our country. Primary data source are obtained from...

Saving behavior at the household level in Chile has not been analyzed in recent decades. Based on 1988 and 1996-1997 Chilean microeconomic evidence (Household Budget Survey), this article studies household saving behavior. The analysis is extended to incl

En este documento se presenta un análisis del comportamiento del ahorro de los hogares y sus determinantes, considerando una perspectiva de largo plazo para el periodo 1950-2004 y una de corto plazo a nivel microeconómico, utilizando la información de las encuestas de calidad de vida de 1997...

This article aims to confront Foucault’s (2001) concept of heterotopia (2001) – the physical location of an utopia – with a "new, "informal and non-institutionalized retail space for gleaning second hand items : the sidewalk during the time of bulky item collection. A qualitative survey...

Research indicates that consumers are particularly concerned about the safety of meat. Higher processed meat is perceived as more unsafe than fresh or natural meats, i.e. consumers trust processed meat less. This paper studies the relationship between perceived trust and day-to-day purchase...

This paper presents evidence on the impact of individual as well as regional characteristics on the dynamics of fat, protein, alcohol and cigarette consumption, and on the diversity of the diet in Russia between 1994 and 2005. All those aspects of nutritional behavior are important inputs to the...

It is important to consider the interweaving nature of online and offline social networks when we examine social network evolution. However, it is difficult to find any research that examines the process of social tie formation from an integrated perspective. In our study, we quantitatively...