Branten, Eva - In: Baltic journal of economics 22 (2022) 2, pp. 126-145
economic and sociodemographic characteristics in predicting applications for credit and the size of debt. The paper uses … microdata from the Estonian Household Finance and Consumption Survey (HFCS) and estimates probit and Heckman models. My analysis … larger. The variables describing the household's expectations for its future financial situation are on their own related to …