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Heckman, Stuart - 2012

This study explored saving behavior among low-income households through the institutional theory of saving behavior by (1) determining asset differences between saving and non-saving households, (2) exploring factors related to saving behavior, and (3) identifying differences between two saving...

Persistent link: https://www.econbiz.de/10013097790

Parameter Assumptions in Normative Analyses of Household Financial Decisions

Hanna, Sherman D. - 2012

Normative analyses of household financial decisions typically assume parameters of the household utility function. Some … household analyses appearing in finance and economics journals, examine the parameters assumed for risk aversion, intertemporal … have provided estimates of household parameter values are examined. None of the normative articles cited an independent …

Persistent link: https://www.econbiz.de/10013097856

Ji, HoJun - 2012

Consumer Finances datasets. Based on regression analyses of two ratios, business assets to total household assets and business … income to total household income, we find that vulnerability in terms of both ratios increases with the number of employees … married couples in terms of the business to household income ratio. Those willing to take substantial investment risks have …

Persistent link: https://www.econbiz.de/10013101242

Obesity and Household Financial Distress

Guthrie, Katherine - 2014

Obesity provides a potentially informative signal about individuals' choices and preferences. Using NLSY survey data, we estimate that debt delinquency is 20 percent higher among the obese than the non-obese after controlling for an extensive set of financial and economic credit risk factors....

Persistent link: https://www.econbiz.de/10013068424

Why Are Some Households So Poorly Insured?

Gathergood, John - 2017

We explore how households insure themselves against consumption volatility. We asked households how they would fund an unexpected emergency consumption expense equivalent to one month's income. Answers reveal a range of consumption insurance mechanisms, including borrowing from credit markets...

Persistent link: https://www.econbiz.de/10012964370

Triggers and Determinants of Severe Household Indebtedness in Germany

Keese, Matthias - 2009

-) indebtedness which relate household income and debt services to different concepts of subsistence levels, this paper investigates … whether severe household indebtedness is driven by trigger events such as unemployment, childbirth, divorce, or the death of … are likely to cause severe household indebtedness. Unemployment also worsens the relative debt situation mainly due to the …

Persistent link: https://www.econbiz.de/10013153334

Triggers and Determinants of Severe Household Indebtedness in Germany

Keese, Matthias - 2009

Persistent link: https://www.econbiz.de/10013153546

Confidence, Financial Literacy and Investment in Risky Assets : Evidence from the Survey of Consumer Finances

Cupák, Andrej - 2020

We employ recent Survey of Consumer Finances (SCF) microdata from the US to analyze the impacts of confidence in one's own financial knowledge, confidence in the economy, and objective financial literacy on investment in risky financial assets (equity and bonds) on both the extensive and...

Persistent link: https://www.econbiz.de/10012834179

MPC Heterogeneity and Household Balance Sheets

Fagereng, Andreas - 2020

and saved over time, and how households' marginal propensities to consume (MPCs) vary with household characteristics and …

Persistent link: https://www.econbiz.de/10012838129

Effect of Financial Inclusion on Poverty and Vulnerability to Poverty : Evidence Using a Multi-Dimensional Measure of Financial Inclusion

Koomson, Isaac - 2020

effects on household poverty. First, it is associated with a decline in a household's likelihood of being poor by 27 percent …. Second, it prevents a household's exposure to future poverty by 28 percent. Female-headed households have a greater chance of …

Persistent link: https://www.econbiz.de/10012844229