Search Results

A quoi sert l’épargne annuelle des Français ?,
André Babeau, in Revue d'économie financière (2019)

Modern Forms of Consumer Lending in Retail Trade,
Bisser Petkov, in Nauchni trudove (2023)
Keywords: consumer credit, POS lending, buy now pay later (BNPL)

Has there been a change in household saving behavior in the low inflation and interest rate environment?,
Sami Oinonena and Matti E. E. Virén, from Bank of Finland (2022)
Keywords: household saving, private saving, inflation, debt neutrality

Effects of Easing LTV·DTI Regulations on the Debt Structure and Credit Risk of Borrowers,
Meeroo Kim and Yoon Hae Oh, in KDI Journal of Economic Policy (2021)
Keywords: LTV, DTI, Mortgage Loan, Credit Risk

Implementing artificial intelligence in forecasting the risk of personal bankruptcies in Poland and Taiwan,
Tomasz Korol and Anestis K. Fotiadis, in Oeconomia Copernicana (2022)
Keywords: fuzzy logic; genetic algorithms; artificial neural networks; consumer bankruptcy; the financial crisis of households

Investor decision making within retirement savings schemes,
Christopher Bebbington, Robert B. Durand and Joyce Khuu, in Pacific-Basin Finance Journal (2024)
Keywords: Behavioral finance; Retirement savings; Superannuation; Personal finance;

Time to Repay or Time to Delay? The Effect of Having More Time before a Payday Loan Is Due,
Susan Carter, Kuan Liu, Paige Marta Skiba and Justin Sydnor, in American Economic Journal: Applied Economics (2022)

The role of risk attitudes and expectations in household borrowing: evidence from Estonia,
Eva Branten, in Baltic Journal of Economics (2022)
Keywords: household debt, mortgage loans, non-mortgage loans, borrowing decisions, income and price expectations, risk attitudes, Household Finance and Consumption Survey

CREDIT CARD DELINQUENCY IN MALAYSIA,
Wai Leng Chia, Roy W.L. Khong, Priscilla Lim and Patricia Mei Mei Ang, in Bulletin of Monetary Economics and Banking (2023)
Keywords: Credit card delinquency, Expectation, Non-performing loan, Regulatory interventions, ARDL.

Socioeconomic status and individual investors’ behavior during a financial crisis,
Koresh Galil, Avia Spivak and Aviad Tur-Sinai, in Journal of Behavioral and Experimental Finance (2023)
Keywords: Financial crisis; Household finance; Household saving; Personal finance; COVID-19; Socioeconomic status; SES;

Institutional Quality, Trust, and Stock Market Participation: Learning to Forget,
Hossein Asgharian, Lu Liu and Frederik Lundtofte, in Quarterly Journal of Finance (QJF) (2024)
Keywords: Households’ stock ownership, institutional quality, trust, immigration, direct and indirect effects, learning ability

Financial planning in Slovakia: results of empirical research,
Ján Morvai, Mihály Ormos, Imrich Antalík, Ladislav Mura, Adam Páldi and Barnabás Szabó, in Entrepreneurship and Sustainability Issues (2022)
Keywords: finance, financial literacy, financial planning, financial concepts, Slovakia

The heterogeneous relationship of owner-occupied and investment property with household portfolio choice,
Marco Felici and Franz Fuerst, in Journal of Housing Economics (2023)
Keywords: Household finance; Property; Portfolio choice;

Fixed rate mortgages: The cost of interest rate risk aversion,
Kwangwon Ahn, Joetta Forsyth, Hanwool Jang and Dongshin Kim, in Finance Research Letters (2022)
Keywords: Mortgage; Interest rate risk; Risk aversion;

Political consequences of (consumer) debt relief,
Toke Aidt, Zareh Asatryan and Lusine Badalyan, from ZEW - Leibniz Centre for European Economic Research (2024)
Keywords: Consumer debt relief, US student debt, distributive politics, vote buying, elections

Effects of remittances on financial inclusion gender gap in developing countries,
Eric Abokyi, in Research in Economics (2023)
Keywords: Remittances; Financial inclusion gender gap; Instrumental variable; Developing countries;

The Effect of Housing Wealth on Household Portfolio Choice,
Qize Li, Dirk Brounen Brounen, Jianjun Li and Xu Wei, in Annals of Economics and Finance (2022)
Keywords: Housing portfolio choices, Housing wealth effect, Financial market participation

Personal bankruptcy costs, union bargaining power, and capital structure,
Joseph T. Halford, Rachel M. Hayes and Valeriy Sibilkov, in Journal of Banking & Finance (2024)
Keywords: Capital structure; Personal bankruptcy costs; BAPCPA; Union bargaining power;

Tracking the economy during the Covid-19 pandemic: the contribution of high-frequency indicators,
Jean-Charles Bricongne, Jerome Coffinet, Delbos Jean-Brieux, Kaiser Vojtech, Kien Jean-Noël, Etienne Kintzler, Lestrade Ariane, Baptiste Meunier, Mouliom Michel and Théo Nicolas, in Bulletin de la Banque de France (2020)

Personal bankruptcy prediction using machine learning techniques,
Brygała Magdalena and Korol Tomasz, in Economics and Business Review (2024)
Keywords: personal bankruptcy, SVM, random forest, AdaBoost, XGBoost, LightGBM, CatBoost , SHAP

How Micro Data Improve the Estimation of Household Credit Risk Within the Macro Stress Testing Framework,
Ján Klacso, in Computational Economics (2024)
Keywords: Macro stress testing, Microdata, Household credit risk, Incomplete credit cycle

Debt, Financial Vulnerability and Repayment Behaviour in Older Canadian Households,
Jie Zhou, from The University of Winnipeg, Department of Economics (2021)

Do Neighborhoods Affect the Credit Market Decisions of Low-Income Borrowers? Evidence from the Moving to Opportunity Experiment,
Sarah Miller and Cindy K Soo, in The Review of Financial Studies (2021)

Loan forbearance takeup in the Covid-era - The role of time preferences and locus of control,
Edina Berlinger, Hubert Janos Kiss and Sára Khayouti, in Finance Research Letters (2022)
Keywords: Loan forbearance; Locus of control; Present bias; Time discounting; Time preferences;

Income volatility and saving decisions: Experimental evidence,
Nathan Wang-Ly and Ben R. Newell, in Journal of Behavioral and Experimental Finance (2024)
Keywords: Income volatility; Precautionary saving; Uncertainty; Financial decision making;

Mobile payment and Chinese rural household consumption,
Chunkai Zhao, Yaqian Wu and Jianhao Guo, in China Economic Review (2022)
Keywords: Mobile payment; Household consumption; Transaction costs; Liquidity constraints; Inclusive finance;

Born to Be (Sub)Prime: An Exploratory Analysis,
Helena Bach, Pietro Campa, Giacomo De Giorgi, Jaromir Nosal and Davide Pietrobon, in AEA Papers and Proceedings (2023)

COVID-19, home equity and retirement funding,
Vishaal Baulkaran and Pawan Jain, in Finance Research Letters (2023)
Keywords: Covid-19; Home equity; Retirement funding;

Endeudamiento de las personas físicas en Uruguay,
Rodrigo Arnabal, Santiago Taroco, Cecilia Dassatti, Victoria Landaberry and Jorge Ponce, from Banco Central del Uruguay (2023)
Keywords: Endeudamiento, personas físicas, Uruguay

Endeudamiento de los jóvenes en Uruguay,
Rodrigo Arnabal, Santiago Taroco, Cecilia Dassatti, Victoria Landaberry and Jorge Ponce, from Banco Central del Uruguay (2024)
Keywords: endeudamiento, jóvenes, Uruguay

A dynamic analysis of household debt using a self-organizing map,
Hyun Hak Kim, in Empirical Economics (2022)
Keywords: Household debt, Self-organizing map, Cluster analysis

Seasonal sugarcane harvesters of Gujarat: trapped in a cycle of poverty,
Leela Visaria and Harish Joshi, in Journal of Social and Economic Development (2021)
Keywords: Seasonal migration, Dangs, Koyta, Labour contractor, Indebtedness, Poverty

Multi-factor fuzzy sets decision system forecasting consumer insolvency risk,
Tomasz Korol, in DECISION: Official Journal of the Indian Institute of Management Calcutta (2024)
Keywords: Consumer bankruptcy, Multi-factor system, Early warning system, Insolvency risk, Fuzzy sets, Personal finance

Consumer Debt and Poverty: the Default Risk Gap,
Graciela Sanroman, Lucía Bertoletti and Fernando Borraz, from Asociación Argentina de Economía Política (2024)

Wealth transfer intentions, family decision-making style and sustainable investing: The case of millionaires,
Ylva Baeckström and Jeanette Carlsson Hauff, in Finance Research Letters (2024)
Keywords: Wealthy individuals; Philanthropy; Sustainable investing; Decision-making style;

The Market Risk Premium for Unsecured Consumer Credit Risk,
Matthias Fleckenstein and Francis Longstaff, from National Bureau of Economic Research, Inc (2020)

The Cross-Section of Household Preferences,
Laurent Calvet, John Campbell, Francisco Gomes and Paolo Sodini, from National Bureau of Economic Research, Inc (2021)

Who Owns What? A Factor Model for Direct Stock Holding,
Vimal Balasubramaniam, John Campbell, Tarun Ramadorai and Benjamin Ranish, from National Bureau of Economic Research, Inc (2021)

New Evidence on the Demand for Advice within Retirement Plans,
Jonathan Reuter and David P. Richardson, from National Bureau of Economic Research, Inc (2022)

Employer-Based Short-Term Savings Accounts,
Sarah Holmes Berk, John Beshears, Jay Garg, James Choi and David Laibson, from National Bureau of Economic Research, Inc (2024)

Automating Short-Term Payroll Savings: Evidence from Two Large U.K. Experiments,
Sarah Holmes Berk, James Choi, Jay Garg, John Beshears and David Laibson, from National Bureau of Economic Research, Inc (2024)

Financial Outcomes in Adolescence and Early Adulthood in Australian Longitudinal Data,
John de New, David Ribar, Christopher Ryan and Clement Wong, from Melbourne Institute of Applied Economic and Social Research, The University of Melbourne (2019)
Keywords: financial outcomes; adolescence; early adulthood; HILDA survey; LSAY; LSAC

Financial Inclusion Across the United States,
Motohiro Yogo, Andrew Whitten and Natalie Cox, from National Bureau of Economic Research, Inc (2024)

Income expectations, risk attitudes and household borrowing decisions,
Eva Branten, from Bank of Estonia (2024)
Keywords: household borrowing, financial expectations, risk attitudes, Eurosystem Household Finance and Consumption Survey

The role of risk attitudes and expectations in household borrowing in Estonia,
Eva Brandten, from Bank of Estonia (2021)
Keywords: household debt, mortgage loans, non-mortgage loans, borrowing decisions, income and price expectations, risk attitudes, Household Finance and Consumption Survey

Do Lenders Still Discriminate? A Robust Approach for Assessing Differences in Menus,
Paul Willen and David Hao Zhang, from Federal Reserve Bank of Boston (2020)
Keywords: mortgage pricing discrimination; minority borrowers; Home Mortgage Disclosure Act

Behavioral Messages and Debt Repayment,
Giorgia Barboni, Juan-Camilo Cardenas and Nicolás de Roux, from Universidad de los Andes, Facultad de Economía, CEDE (2022)
Keywords: Loan Delinquency, Behavioral Messages, Personal loans, Field Experiments

Buy Now Pay Later: market overview and outlook,
Lorenzo Gobbi, from Bank of Italy, Economic Research and International Relations Area (2022)
Keywords: Buy Now Pay Later (BNPL), Fintech, Digital credit

Determinants of Stock Market Participation,
Lukas Menkhoff and Jannis Westermann, from DIW Berlin, German Institute for Economic Research (2024)
Keywords: Stock market participation, transaction costs, information, return volatility, risk tolerance

Socioeconomic Status and Individual Investors’ Behavior during a Financial Crisis,
Koresh Galil, Avia Spivak and Aviad Tur-Sinai, from Ben-Gurion University of the Negev, Department of Economics (2023)
Keywords: financial crisis, household finance, household saving, personal finance, COVID-19, socioeconomic status, SES

What are the consequences of missed payments on consumer debts?,
Jonathan Lanning and Jonathan D. Rose, in Chicago Fed Letter (2020)
Keywords: Consumer debt; alternative credit; auto loans; credit cards; mortgages; student loans; delinquency and default; household finances; household saving and borrowing; household debt

New Evidence on Where Payday Lenders Locate Their Storefronts,
Nathan Anderson, Tori Healey and Jonathan Lanning, in Chicago Fed Letter (2024)
Keywords: financial economics; community development

Incorporating Individual Retail Loan Data into the Macro Stress Testing Framework,
Ján Klacso, from Research Department, National Bank of Slovakia (2022)

Decomposition of retail loan growth,
Martin Cesnak, from Research Department, National Bank of Slovakia (2023)

Does Increasing Access to Formal Credit Reduce Payday Borrowing?,
Sarah Miller and Cindy K. Soo, from National Bureau of Economic Research, Inc (2020)

Time discounting predicts loan forbearance takeup,
Edina Berlinger, Sára Khayouti and Hubert Janos Kiss, from Institute of Economics, Centre for Economic and Regional Studies (2022)
Keywords: loan forbearance, locus of control, time discounting

The Anatomy of Consumption in a Household Foreign Currency Debt Crisis,
Gyozo Gyongyosi, Judit Rariga and Emil Verner, from Magyar Nemzeti Bank (Central Bank of Hungary) (2022)
Keywords: Household debt, foreign currency debt, consumption.

The Rise in Mortgage Fees: Evidence from HMDA Data,
Neil Bhutta and Lauren Lambie-Hanson, from Federal Reserve Bank of Philadelphia (2024)
Keywords: mortgage; closing costs; nonbanks; FinTech

The Fed’s Balance Sheet Runoff: The Role of Levered NBFIs and Households,
Marco Cipriani, James A. Clouse, Lorie Logan, Antoine Martin and Will Riordan, from Federal Reserve Bank of New York (2022)
Keywords: balance sheet runoff; Federal Reserve; money market funds (MMFs); nonbank financial institutions (NBFIs); treasuries

Introducing the SCE Public Policy Survey,
Gizem Kosar, Kyle Smith and Wilbert van der Klaauw, from Federal Reserve Bank of New York (2019)
Keywords: Survey of Consumer Expectations Public Policy Survey; Medicare reform; Wilbert van der Klaauw; Center for Microeconomic Data; Survey of Consumer Expectations; minimum wage policy; Social Security reform; public policy outlook; Medicare expansion;

Financial Inclusion Across the United States,
Motohiro Yogo, Andrew Whitten and Natalie Cox, from Princeton University. Economics Department. (2021)
Keywords: Financial participation, Household finance, Inequality, Racial disparities, Tax policy

Stokvels as an instrument and channel to extend credit to poor households in South Africa: An inquiry,
Christie Schoeman and Polly Mashigo, from Economic Research Southern Africa (2010)
Keywords: Financial Accounting, Social welfare, South Africa

Diversification measures and the optimal number of Stocks in a portfolio: An information theoretic explanation,
Adeola Oyenubi, from Economic Research Southern Africa (2017)
Keywords: econometric modelling, Information Systems, investment, Quantitative Methods

INTEREST INCOME AND DEPOSIT MONEY BANKS (DMBs) PERFORMANCE IN NIGERIA,
Russell Olukayode Christopher Somoye, Bamidele M. Ilo and Lateef Adewale Yunusa, in Economic Review: Journal of Economics and Business (2019)
Keywords: bank performance, deposit money banks, interest income, return on asset, loans and advances

The Social and Economic Impact of the State Pension,
Liliana Roxana Ionescu, in Ovidius University Annals, Economic Sciences Series (2020)
Keywords: ension system, social insurance, contributions

Análisis del impacto de las reformas financieras de 2014 en las sociedades cooperativas de ahorro y préstamo de México,
Luis Miguel Cruz Lázaro and Felipe Abelardo Pérez Sosa, in REVESCO: Revista de estudios cooperativos (2020)
Keywords: Análisis estructural; Sector financiero; Regulación financiera; Inclusión financiera; Ahorro y crédito popular; Crédito cooperativo.

Evaluación de la estructura de capital de las Sociedades Cooperativas de Ahorro y Préstamo de México,
Luis Miguel Cruz Lázaro and Felipe Abelardo Pérez Sosa, in REVESCO: Revista de estudios cooperativos (2020)
Keywords: Fuentes de financiamiento; Teoría del orden jerárquico; Decisiones de financiamiento; Ahorro y crédito popular; Crédito cooperativo.

Households Expectations and Investing in Safe and Risky Financial Assets,
Silvo Dajcman, in Czech Journal of Economics and Finance (Finance a uver) (2020)
Keywords: household expectations, household financial portfolio, safe assets, risky assets

Investigating a Fund Return Distribution when the Value of the Fund under Management is Irregularly Observed,
KiHoon Jimmy Hong and Stephen Satchell, in Bankers, Markets & Investors (2016)
Keywords: Fund Value under Management; Heteroskedasticity; Irregularly Spaced Time Series; Ornstein Uhlenbeck; Return Distribution

Why do households participate in the loan moratorium in Hungary? Theoretical and empirical considerations,
Bálint Dancsik and Zita Fellner, in Acta Oeconomica (2021)
Keywords: loan moratorium, household finances, life-cycle, permanent income, borrowing, coronavirus, Hungary

The Impаct of Tаxаtion аnd Crisis on Sаvings – An Interdisciplinаry Рpproаch,
Oаnа Oprisan and Рnа-Mаriа Dumitrаche (Șerbănescu), in Ovidius University Annals, Economic Sciences Series (2021)
Keywords: fiscаl system, fiscаl policy, tаx, fiscаl burden, economic-finаnciаl crises

Dynamique de l'endettement privé en Chine: risques et enjeux,
Camille Macaire, in Revue d'économie financière (2021)

Which Loans Do We Take? A Micro-Level Analysis of Croatian Households' Debt Participation,
Krunoslav Zauder and Mate Rosan, in Croatian Economic Survey (2022)
Keywords: age profiles of borrowing, credit constraints, household debt, Household Finance and Consumption Survey, secured vs. unsecured debt

Social Norms Concerning Financial Liability for Various Indebtedness Experiences and Borrowing Plans: Evidence from Poland*,
Anna M. Helka and Tomasz Grzyb, in European Research Studies Journal (2021)
Keywords: Social norm, loan, credit use, debt, financial liability.

Macroeconomic Determinants of Household Indebtedness in Romania: An Econometric Approach,
Enache Calcedonia, in Journal of Social and Economic Statistics (2022)
Keywords: Household debt, Interest rate, Vector autoregressive model, Sims-Bernanke decomposition, variance decomposition

The Impact of the COVID19 Pandemic on the Credit Market in Poland,
Alina Danilowska, in European Research Studies Journal (2021)
Keywords: Credit market, COVID-19 pandemic, commercial banks’ credit policy, interest rate, nonfinancial sector indebtedness.

Encuesta Financiera de las Familias (EFF) 2020: métodos, resultados y cambios desde 2017,
Dirección General de Economía y Estadística, in Boletín Económico (2022)
Keywords: Hogares, riqueza, renta, endeudamiento, datos de encuesta.

Survey of household finances (EFF) 2020: methods, results and changes since 2017,
Directorate General Economics, Statistics and Research, in Economic Bulletin (2022)
Keywords: Households, wealth, income, debt, survey data.

ToTEM III: The Bank of Canada’s Main DSGE Model for Projection and Policy Analysis,
Paul Corrigan, Hélène Desgagnés, José Dorich, Vadym Lepetyuk, Wataru Miyamoto and Yang Zhang, from Bank of Canada (2021)
Keywords: Business fluctuations and cycles, Economic models, Housing, Interest rates, Monetary policy

Earnings Risk in the Household: Evidence from Millions of US Tax Returns,
Seth Pruitt and Nicholas Turner, in American Economic Review: Insights (2020)

FOSTERING FINANCIAL INCLUSION: THE DETERMINANTS OF THE USERS BEHAVIOUR OF THE SMART ACT BRANCHLESS BANKING SERVICE,
Supramono Supramono, Elsa Stefanie and Theresia Woro Damayanti, in Oradea Journal of Business and Economics (2020)
Keywords: Financial inclusion, banking service, attitude, Intention, user behaviour.

A Cross-Country Comparison of Old-Age Financial Readiness in Asian Countries versus the United States: The Case of Japan and the Republic of Korea,
Isaac Ehrlich and Yong Yin, in Asian Development Review (ADR) (2022)
Keywords: education, financial markets development, health and wealth, household portfolio management, old-age financial preparedness and inclusion, public and private pensions

KONUTTA ALTERNATİF FİNANS YÖNTEMİ OLARAK TASARRUFA DAYALI FAİZSİZ FİNANS SİSTEMİ,
Mehmet Yazıcı, in Academic Review of Humanities and Social Sciences (2019)
Keywords: Faizsiz finans; Tasarrufa dayalı faizsiz finans; Alternatif finansman; Konut finansmanı

Avrupa Birliği’nde Hanehalkı Borcunun Ekonomik Büyüme Üzerindeki Etkisi: Hanehalkı Borcu Ne Zaman “Çok Fazla”? (The Effect of Household Debt on Economic Growth in European Union: When is Household Debt “Too Much”?),
Zuhal Kurul, in Business and Economics Research Journal (2021)
Keywords: European Union; Household Debt; Economic Growth; Consumption Growth; Dynamic Panel Threshold Model

Household debt, liquidity constraints and the interest rate elasticity of private consumption,
Samu Kärkkäinen and Aino Silvo, from Bank of Finland (2023)
Keywords: consumption, interest rates, household debt, liquidity constraints

Quantiles of growth: Household debt and growth vulnerabilities in Finland,
Juho Nyholm and Ville Voutilainen, from Bank of Finland (2021)
Keywords: household debt, GDP forecasting, quantile regression

Forbearance vs. Interest Rates: Tests of Liquidity and Strategic Default Triggers in a Randomized Debt Relief Experiment,
Deniz Aydin, from ZBW - Leibniz Information Centre for Economics (2023)
Keywords: debt relief, forbearance, interest rates, liquidity, strategic, randomized field experiment

Entwicklung des Geldvermögens der privaten Haushalte in Zeiten niedriger Zinsen,
Markus Demary, in IW-Trends – Vierteljahresschrift zur empirischen Wirtschaftsforschung (2020)
Keywords: Ersparnis, Geldpolitik, Niedrigzinsen, Vermögensbildung

The effects of lowering the statutory maximum interest rate on non-bank credit loans,
Meeroo Kim, in KDI Journal of Economic Policy (2022)
Keywords: Statutory Maximum Interest Rate, Household Loan, Market Exclusion, Non-banking Sector

Zum Problem inflationsbedingter Liquiditätsrestriktionen bei der Immobilienfinanzierung,
Andrea Gubitz, Karl-Heinz Tödter and Gerhard Ziebarth, from Goethe University Frankfurt, Institute for Monetary and Financial Stability (IMFS) (2023)
Keywords: EZB, Geldpolitik, Liquiditätseffekte der Zinspolitik, front loading Effekte, Wohnungsfinanzierung, Hypothekarkredite, ECB, monetary policy, cash flow effects of interest rate policy, front loading effects, housing investments, mortgage loans