decision making with large stakes. Using a natural field experiment that generates nearly 40,000 observations, we find that …. Our natural field experiment highlights that behavioral economics is much more than a series of empirical exercises to …

relation to household incomes. This paper examines the determinants of households' ability to service this stock of secured … found that past experience of payment problems increases the probability that the household has difficulties servicing its … secured debt today. At the household level, becoming unemployed, interest income gearing of 20% and above, high loan to value …