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Does product familiarity matter for participation?
Fuchs-Schündeln, Nicola; Chaliasos, Michaēl - 2014
. This paper uses household-level data from the 'experiment' of German reunification that (exogenously) offered to East …-unification participation of former East and West Germans in financial products, controlling for relevant household characteristics. We vary …
Persistent link: https://www.econbiz.de/10010384336
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Credit counseling : a substitute for consumer financial literacy?
Disney, Richard; Gathergood, John; Weber, Jörg - 2014
Is financial literacy a substitute or complement for financial advice? In this paper we analyze the decision by consumers to seek financial advice in the form of credit counseling concerning their credit and debt. Credit counseling is an important component of the consumer credit sector for...
Persistent link: https://www.econbiz.de/10010429152
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Self-Control, Financial Literacy and Consumer Over-Indebtedness
Gathergood, John - 2012
debt among a sample of U.K. consumers using data from a household survey. Both lack of self-control and financial …
Persistent link: https://www.econbiz.de/10013114543
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Self-control, financial literacy and the co-holding puzzle
Gathergood, John; Weber, Joerg - 2012
We use UK household survey data incorporating measures of financial literacy and behavioural characteristics to analyse … the puzzling co-existence of high cost revolving consumer credit alongside low yield liquid savings in household balance … the household. Our results lend empirical support to theoretical models in which sophisticated households co-hold as a …
Persistent link: https://www.econbiz.de/10009535534
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What drives the demand for high-cost consumption loans?
Hansen, Emil Toft - 2022
This paper utilizes high-quality transaction data from the largest bank in Denmark to study what drives the demand for high-cost consumption loans. I investigate the extent to which adverse events drive loan demand, or if it is more likely to be explained by borrowers' personality traits. I find...
Persistent link: https://www.econbiz.de/10013279865
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Household debt and crises of confidence
Hintermaier, Thomas; Koeniger, Winfried - 2015
We show that the size of collateralized household debt determines an economy's vulnerability to crises of confidence …
Persistent link: https://www.econbiz.de/10011430780
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Household debt and crises of confidence
Hintermaier, Thomas; Koeniger, Winfried - 2015 - This version: October 1, 2015
We show that the size of collateralized household debt determines an economy's vulnerability to crises of confidence …
Persistent link: https://www.econbiz.de/10011346295
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Household debt and crises of confidence
Hintermaier, Thomas; Koeniger, Winfried - 2015
We show that the size of collateralized household debt determines an economy's vulnerability to crises of confidence …
Persistent link: https://www.econbiz.de/10011347156
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Did consumers want less debt? : consumer credit demand versus supply in the wake of the 2008 - 2009 financial crisis
Gropp, Reint; Krainer, John; Laderman, Elizabeth Stromberg - 2014
We explore the sources of household balance sheet adjustment following the collapse of the housing market in 2006 …
Persistent link: https://www.econbiz.de/10010252065
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Catching up with the Joneses and borrowing constraints : an agent-based analysis of household debt
König, Nadja; Größl, Ingrid - 2014
We study an Agent-based model of household-bank relationships where households borrow for the purpose of consumption …
Persistent link: https://www.econbiz.de/10010425727