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Automatic Enrollment with a 12% Default Contribution Rate

Beshears, John; Guo, Ruofei; Laibson, David I.; … - National Bureau of Economic Research - 2023

We study a retirement savings plan with a default contribution rate of 12% of income, which is much higher than …

Persistent link: https://www.econbiz.de/10014337834

Uptake, Use, and Impact of Islamic Savings : Evidence from a Field Experiment in Pakistan

Ahmad, Syedah; Lensink, Robert; Mueller, Annika - 2021

This study examines the take-up, use, and impact of Islamic savings accounts for poor Muslim clients of an MFI in … Pakistan, using a randomized controlled trial. We specifically focus on the impact of opening Islamic savings accounts on women …’s empowerment. The main results strongly suggest that a successful intervention to increase uptake of savings among a sample of …

Persistent link: https://www.econbiz.de/10013242400

Saving Behaviour : Factors That Affect Saving Decisions (Systematic Literature Review Approach)

Jumena, Bayu Bastian; Siaila, Steven; Widokarti, Joko Rizkie - 2022

Savings have an important role as alternative funding when the primary income is in trouble. Previous research on …, anticipatory, psychological and social, profit, self-obligation, financial service, savings product marketing, job profile, self …

Persistent link: https://www.econbiz.de/10014236196

Unsustainable household debt : problems of measurement

Gibbons, Damon - In: Vierteljahrshefte zur Wirtschaftsforschung 89 (2020) 1, pp. 101-113

In the wake of the Global Financial Crisis, a significant research effort has been made to better understand the links between household debt levels, financial stability risks, and the ongoing implications of the ‘debt overhang’ for economic growth. However, accurately measuring the...

Persistent link: https://www.econbiz.de/10012507225

The effect of self-control on borrowing : experimental evidence

Grohmann, Antonia; Hamdan, Jana S. - 2020

This paper examines the effect of reduced self-control on debt-taking in a laboratory experiment. We manipulate self-control using an ego depletion task and show that it is effective. Following the ego depletion task, participants can anonymously buy hot drinks on credit. We find no significant...

Persistent link: https://www.econbiz.de/10012500130

Cash-back Rewards, Spending, and Debt Accumulation

Agarwal, Sumit; Ang, Swee Hoon; Wang, Yonglin; Zhang, Jian - 2023

Using account-level administrative data set from a large U.S. financial institution, we assess the impact on consumption and debt repayment of a credit card incentive program that offers cash-back rewards for usage. Using a generalized difference-in-differences design, we find that the program...

Persistent link: https://www.econbiz.de/10014349564

Covered Interest Rate Parity Deviations In External Emerging Market Sovereign Debt

Hartley, Jonathan - 2020

market country policymakers could create fiscal savings by instead more cheaply issuing external sovereign debt in dollars … with currency forward and spot transactions. Such hypothetical fiscal savings from switching to dollar funding collectively …

Persistent link: https://www.econbiz.de/10012847937

Income Inequality, Debt Burden and COVID-19

Davydiuk, Tetiana - 2020

There have been stark differences in the ability of low-income and high-income individuals to protect themselves during the COVID-19 pandemic. Using a triple difference specification, we document that debt burdens contribute to this inequity by disproportionately increasing the cost to...

Persistent link: https://www.econbiz.de/10012829343

Are two sources of credit better than one?: credit access and debt among microfinance clients in Bangladesh

Shreya, Nudrat Faria - 2021

The recent collapse of several microfinance sectors as well as the current COVID-19 pandemic has given rise to a growing concern about the risk of multiple borrowing among microcredit clients in developing countries. Researchers argue that availability of multiple sources of credit has tempted...

Persistent link: https://www.econbiz.de/10012488435

Effects of Easing LTV·DTI Regulations on the Debt Structure and Credit Risk of Borrowers

Kim, Meeroo; Oh, Yoon Hae - 2021

With CB data in South Korea, this study examines whether the credit risk of borrowers changes when the regulation on bank mortgage supply is relaxed. We analyze the effect of deregulation on LTV and DTI limits in the Seoul-metropolitan area in August 2014 with a difference-in-difference...

Persistent link: https://www.econbiz.de/10013211958

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