Research classified by Journal of Economic Literature (JEL) codes

2013

• Elisabeth Beckmann & Isabella Moder, 2013, "Households’ Expectations and Macroeconomic Outcomes – Evidence from the Euro Survey," Focus on European Economic Integration, Oesterreichische Nationalbank (Austrian Central Bank), issue 4, pages 65-76.
• Nicolas Albacete & Peter Lindner, 2013, "Household Vulnerability in Austria – A Microeconomic Analysis Based on the Household Finance and Consumption Survey," Financial Stability Report, Oesterreichische Nationalbank (Austrian Central Bank), issue 25, pages 57-73.
• Pirmin Fessler & Martin Schürz, 2013, "Cross-Country Comparability of the Eurosystem Household Finance and Consumption Survey," Monetary Policy & the Economy, Oesterreichische Nationalbank (Austrian Central Bank), issue 2, pages 29-50.
• Branko Matic & Hrvoje Serdarusic & Maja Vretenar Cobovic, 2013, "The Impact Of Financial Population Education On Managing Personal Finances," Interdisciplinary Management Research, Josip Juraj Strossmayer University of Osijek, Faculty of Economics, Croatia, volume 9, pages 503-511.
• Irina A. Telyukova, 2013, "Household Need for Liquidity and the Credit Card Debt Puzzle," The Review of Economic Studies, Review of Economic Studies Ltd, volume 80, issue 3, pages 1148-1177.
• Sule Alan & Gyongyi Loranth, 2013, "Subprime Consumer Credit Demand: Evidence from a Lender's Pricing Experiment," The Review of Financial Studies, Society for Financial Studies, volume 26, issue 9, pages 2353-2374.
• Nicodim Liliana & Tileagã Cosmin, 2013, "Analysis of the Impacts of Foreign Currency SavingsAbstract:Studying the ways of training, of the influence factors and of the ways to place people's savings by making such research, offers the possib," Ovidius University Annals, Economic Sciences Series, Ovidius University of Constantza, Faculty of Economic Sciences, volume 0, issue 2, pages 653-657, May.
• Collin Raymond & Daniel J. Benjamin & Matthew Rabin, 2013, "A Model of Non-Belief in the Law of Large Numbers," Economics Series Working Papers, University of Oxford, Department of Economics, number 672, Sep.
• John Gathergood, 2013, "personal debt and psychological health," The New Palgrave Dictionary of Economics, Palgrave Macmillan, chapter 1, in: Steven N. Durlauf & Lawrence E. Blume.
• Bista, Raghu, 2013, "Environmental Investment in Community Forest Management (CFM): Its effects on Social Protection of the poor households of Mid Hill Nepal," MPRA Paper, University Library of Munich, Germany, number 100280, Jan, revised 13 Jan 2013.
• Spataro, Luca & Corsini, Lorenzo, 2013, "Endogenous financial literacy, saving and stock market participation," MPRA Paper, University Library of Munich, Germany, number 44342, Feb.
• Gasiorowska, Agata, 2013, "Skala Postaw Wobec Pieniędzy SPP: Konstrukcja i walidacja narzędzia pomiarowego
  [Money Attitudes Questionnaire MAQ: Development and validation of measurement scale]," MPRA Paper, University Library of Munich, Germany, number 46515.
• Cai, Jing & Song, Changcheng, 2013, "Do Hypothetical Experiences Affect Real Financial Decisions? Evidence from Insurance Take-up," MPRA Paper, University Library of Munich, Germany, number 46862, May.
• Cai, Jing, 2013, "The Impact of Insurance Provision on Households’ Production and Financial Decisions," MPRA Paper, University Library of Munich, Germany, number 46864, May.
• Gasiorowska, Agata, 2013, "Skrócona wersja Skali Postaw Wobec Pieniędzy SPP-25. Dobór pozycji i walidacja narzędzia
  [Short version of Money Attitudes Questionnaire. Items selection and scale validation]," MPRA Paper, University Library of Munich, Germany, number 48169, Jan, revised Apr 2013.
• Raval, Vishvesh & Vyas, Khyati, 2013, "Financial freedom experience of Indian Male and Female Executives," MPRA Paper, University Library of Munich, Germany, number 49460, Sep.
• Janda, Karel & Turbat, Batbayar, 2013, "Factors Influencing Portfolio Yield of Microfinance Institutions in Central Asia," MPRA Paper, University Library of Munich, Germany, number 49549, Sep.
• Rahajeng, DIAN, 2013, "The Role of Islamic Banking System as the Milestone towards Indonesia Micro Economy Development," MPRA Paper, University Library of Munich, Germany, number 50465, Sep.
• Campiglio, Luigi Pierfranco, 2013, "Famiglia e pressione fiscale
  [Households and tax burden in Italy: 1991-2012]," MPRA Paper, University Library of Munich, Germany, number 50592, Oct.
• Polterovich, Victor & Starkov, Oleg & Ilinskiy, Dmitry, 2013, "Разработка И Исследование Ссудо-Сберегательных Программ Ипотечного Кредитования: Динамическая Модель
  [Designing and Analyzing the Programs of Contractual Savings for Housing: а Dynamic Model]," MPRA Paper, University Library of Munich, Germany, number 52719, Nov.
• Cebula, Richard & Foley, Maggie, 2013, "Teaching the Economics of Income Tax Evasion," MPRA Paper, University Library of Munich, Germany, number 56784, Mar.
• Tomáš Cipra, 2013, "Some Annuity Problems in the Framework of Czech Pension Systems," Prague Economic Papers, Prague University of Economics and Business, volume 2013, issue 3, pages 307-323, DOI: 10.18267/j.pep.454.
• Emmanuel Farhi & Ivan Werning, , "Estate Taxation with Altruism Heterogeneity," Working Paper, Harvard University OpenScholar, number 71016.
• Alisdair McKay, 2013, "Online Appendix to "Search for Financial Returns and Social Security Privatization"," Online Appendices, Review of Economic Dynamics, number 12-80.
• Galina Vereshchagina, 2013, "Code files for "Preferences for Risk in Dynamic Models with Adjustment Costs Corresponding"," Computer Codes, Review of Economic Dynamics, number 11-155, revised .
• Alisdair McKay, 2013, "Search for Financial Returns and Social Security Privatization," Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics, volume 16, issue 2, pages 253-270, April, DOI: 10.1010/j.red.2013.01.001.
• Igor Livshits & Natalia Kovrijnykh, 2013, "Screening as a Unified Theory of Delinquency, Renegotiation and Bankruptcy," 2013 Meeting Papers, Society for Economic Dynamics, number 1014.
• Alp Simsek & Anton Korinek, 2013, "Liquidity Trap and Excessive Leverage," 2013 Meeting Papers, Society for Economic Dynamics, number 1369.
• Noam Yuchtman & Florian Ederer & Bruno Ferman & Leonardo Bursztyn, 2013, "Understanding Peer Effects in Financial Decisions: Evidence from a Field Experiment," 2013 Meeting Papers, Society for Economic Dynamics, number 222.
• S. Viswanathan & Adriano Rampini, 2013, "Household risk management," 2013 Meeting Papers, Society for Economic Dynamics, number 647.
• Xavier Gine & James Vickery & Shawn Cole, 2013, "How Does Risk Management Influence Production Decisions? Evidence From a Field Experiment," 2013 Meeting Papers, Society for Economic Dynamics, number 676.
• Marianna Brunetti & Rocco Ciciretti & Ljubica Djordjevic, 2015, "The Determinants of Household's Bank Switching," Working Paper series, Rimini Centre for Economic Analysis, number 15-24, Jul.
• Ludmila Nivorozhkina & Lilia Ovcharova & Tatiana Sinyavskaya, 2013, "Econometric modeling risk of consumer loans," Applied Econometrics, Russian Presidential Academy of National Economy and Public Administration (RANEPA), volume 30, issue 2, pages 65-76.
• Anne-Sophie Bergerès & Philippe D'Astous & Georges Dionne, 2013, "Is there any dependence between consumer credit line utilization and default probability on a term loan? Evidence from bank-level data," Working Papers, HEC Montreal, Canada Research Chair in Risk Management, number 11-3, Feb.
• Vincenzo Atella & Agar Brugiavini & Noemi Pace, 2013, "The health care system reform in China: effects on out-of-pocket expenses and saving," CEIS Research Paper, Tor Vergata University, CEIS, number 296, Oct, revised 22 Oct 2013.
• James Marton & Stephen A. Woodbury, 2013, "Retiree Health Benefits as Deferred Compensation," Public Finance Review, , volume 41, issue 1, pages 64-91, January, DOI: 10.1177/1091142112449375.
• Łukasz Gębski, 2013, "Nadmierne zadłużenie gospodarstw domowych – problem finansowo-prawny czy społeczny?," Gospodarka Narodowa. The Polish Journal of Economics, Warsaw School of Economics, issue 4, pages 83-108.
• Anna Szymanska, 2013, "Upadlosc konsumencka w wybranych krajach Unii Europejskiej a kryzys gospodarczy. (Consumer bankruptcy in selected European Union Member Countries in relation to the economic crisis.)," Problemy Zarzadzania, University of Warsaw, Faculty of Management, volume 11, issue 40, pages 54-67.
• John Shoven & Sita Slavov, 2013, "Recent Changes In The Gains From Delaying Social Security," Discussion Papers, Stanford Institute for Economic Policy Research, number 13-019, Dec.
• Miguel Ampudia Fraile, 2013, "Stockholding in Spain," SERIEs: Journal of the Spanish Economic Association, Springer;Spanish Economic Association, volume 4, issue 4, pages 415-435, November, DOI: 10.1007/s13209-013-0099-x.
• Sebastian Lobe & Christoph Schmidhammer & Jennifer Pickel, 2013, "Don’t Cry for Me Germania?," Schmalenbach Journal of Business Research, Springer, volume 65, issue 7, pages 688-706, December, DOI: 10.1007/BF03372889.
• Andreas Fagereng & Charles Gottlieb & Luigi Guiso, 2013, "Asset market participation and portfolio choice over the life-cycle," Discussion Papers, Statistics Norway, Research Department, number 758, Oct.
• Atalay, Kadir & Bakhtiar, Fayzan & Cheung, Stephen L. & Slonim, Robert, 2013, "Savings and Prize-Linked Savings Accounts," Working Papers, University of Sydney, School of Economics, number 2013-12, Jun.
• Christoph Kneiding & Alexander S. Kritikos, 2013, "Funding self-employment -- the role of consumer credit," Applied Economics, Taylor & Francis Journals, volume 45, issue 13, pages 1741-1749, May, DOI: 10.1080/00036846.2011.637895.
• Dorothee Crayen & Christa Hainz & Christiane St�h de Mart�nez, 2013, "Remittances, Banking Status and the Usage of Insurance Schemes," Journal of Development Studies, Taylor & Francis Journals, volume 49, issue 6, pages 861-875, June, DOI: 10.1080/00220388.2013.777706.
• Trina R. Williams Shanks & Lewis Mandell & Deborah Adams, 2013, "Financial Education and Financial Access: Lessons Learned from Child Development Account Research," Innovations: Technology, Governance, Globalization, MIT Press, volume 8, issue 1-2, pages 159-175, October.
• Barry Scholnick, 2013, "Consumption Smoothing after the Final Mortgage Payment: Testing the Magnitude Hypothesis," The Review of Economics and Statistics, MIT Press, volume 95, issue 4, pages 1444-1449, October.
• Onafowokan O. Oluyombo, 2013, "Impact Of Cooperative Societies Savings Scheme In Rural Finance: Some Evidence From Nigeria," Economic Review: Journal of Economics and Business, University of Tuzla, Faculty of Economics, volume 11, issue 1, pages 77-88.
• Can, B. & Erdem, O., 2013, "Present-bias in different income groups," Research Memorandum, Maastricht University, Graduate School of Business and Economics (GSBE), number 008, Jan, DOI: 10.26481/umagsb.2013008.
• Salamanca, N. & de Grip, A. & Sleijpen, O.C.H.M., 2013, "How individuals react to defined benefit pension risk," Research Memorandum, Maastricht University, Graduate School of Business and Economics (GSBE), number 046, Jan, DOI: 10.26481/umagsb.2013046.
• Salamanca, N. & de Grip, A. & Fouarge, D. & Montizaan, R.M., 2013, "Locus of control and investment in risky assets," Research Memorandum, Maastricht University, Graduate School of Business and Economics (GSBE), number 052, Jan, DOI: 10.26481/umagsb.2013052.
• Salamanca Acosta, N. & de Grip, A. & Sleijpen, O.C.H.M., 2013, "How individuals react to defined benefit pension risk," ROA Research Memorandum, Maastricht University, Research Centre for Education and the Labour Market (ROA), number 015, Jan, DOI: 10.26481/umaror.2013015.
• Salamanca Acosta, N. & de Grip, A. & Fouarge, D. & Montizaan, R.M., 2013, "Locus of control and investment in risky assets," ROA Research Memorandum, Maastricht University, Research Centre for Education and the Labour Market (ROA), number 016, Jan, DOI: 10.26481/umaror.2013016.
• Brown, Martin & Hoffmann, Matthias, 2013, "Relationship Banking in the Residential Mortgage Market? Evidence from Switzerland," Working Papers on Finance, University of St. Gallen, School of Finance, number 1310, Aug, revised Jun 2015.
• Brown, Martin & Guin, Benjamin & Morkoetter, Stefan, 2013, "Deposit Withdrawals from Distressed Commercial Banks: The Importance of Switching Costs," Working Papers on Finance, University of St. Gallen, School of Finance, number 1319, Nov, revised Dec 2017.
• Hazel Bateman & Isabella Dobrescu & Ben R. Newell & Andreas Ortmann & Susan Thorp, 2013, "As Easy as Pie: How Retirement Savers use Prescribed Investment Disclosures," Research Paper Series, Quantitative Finance Research Centre, University of Technology, Sydney, number 326, Mar.
• Lance Lochner & Todd Stinebrickner & Utky Suleymanoglu, 2013, "The Importance of Financial Resources for Student Loan Repayment," University of Western Ontario, Centre for Human Capital and Productivity (CHCP) Working Papers, University of Western Ontario, Centre for Human Capital and Productivity (CHCP), number 20137.
• Alessandro Bucciol & Luca Zarri, 2013, "Financial Risk Aversion and Personal Life History," Working Papers, University of Verona, Department of Economics, number 05/2013, Feb.
• Michael P. Cameron & Richard Calderwood & Ashleigh Cox & Steven Lim & Michio Yamaoka, 2013, "Personal Financial Literacy Among High School Students in New Zealand, Japan and the United States," Working Papers in Economics, University of Waikato, number 13/04, Mar.
• Michael P. Cameron & Richard Calderwood & Ashleigh Cox & Steven Lim & Michio Yamaoka, 2013, "Factors Associated with Financial Literacy among High School Students," Working Papers in Economics, University of Waikato, number 13/05, Mar.
• Berg,Gunhild & Zia,Bilal Husnain, 2013, "Harnessing emotional connections to improve financial decisions : evaluating the impact of financial education in mainstream media," Policy Research Working Paper Series, The World Bank, number 6407, Apr.
• Cole,Shawn A. & Gine,Xavier & Vickery,James, 2013, "How does risk management influence production decisions? evidence from a field experiment," Policy Research Working Paper Series, The World Bank, number 6546, Jul.
• Edlira Narazani, 2013, "A Micro Level Perspective of Euroization in Albania," wiiw Balkan Observatory Working Papers, The Vienna Institute for International Economic Studies, wiiw, number 109, Feb.
• Yiing Jia Loke & Steven T. Yen & Andrew K. G. Tan, 2013, "Credit Card Ownership And Debt Status In Malaysia," The Singapore Economic Review (SER), World Scientific Publishing Co. Pte. Ltd., volume 58, issue 03, pages 1-26, DOI: 10.1142/S0217590813500161.
• Alstadsæter, Annette & Jacob, Martin, 2013, "The effect of awareness and incentives on tax evasion," arqus Discussion Papers in Quantitative Tax Research, arqus - Arbeitskreis Quantitative Steuerlehre, number 147.
• Krupkina, Anna & Ponomarenko, Alexey, 2013, "Money demand models for Russia: A sectoral approach," BOFIT Discussion Papers, Bank of Finland Institute for Emerging Economies (BOFIT), number 31/2013.
• Podlech, Nils, 2013, "Die Auswirkungen des Steuersystemwechsels vom Halbeinkünfteverfahren zur Abgeltungssteuer auf die Ausschüttungspolitik von Unternehmen," Manuskripte aus den Instituten für Betriebswirtschaftslehre der Universität Kiel, Christian-Albrechts-Universität zu Kiel, Institut für Betriebswirtschaftslehre, number 655.
• Cici, Gjergji & Kempf, Alexander & Sorhage, Christoph, 2013, "Are financial advisors useful? Evidence from tax-motivated mutual fund flows," CFR Working Papers, University of Cologne, Centre for Financial Research (CFR), number 12-09 [rev.2].
• Kim, Hugh H. & Maurer, Raimond & Mitchell, Olivia S., 2013, "Time is money: Life cycle rational inertia and delegation of investment management," CFS Working Paper Series, Center for Financial Studies (CFS), number 2013/08.
• Podlech, Nils, 2013, "Die Auswirkungen des Steuersystemwechsels vom Halbeinkünfteverfahren zur Abgeltungssteuer auf die Ausschüttungspolitik von Unternehmen," EconStor Preprints, ZBW - Leibniz Information Centre for Economics, number 75274.
• Gottschalch, Sören, 2013, "Urbanization in China and how urban housing demand can be met," IPE Working Papers, Berlin School of Economics and Law, Institute for International Political Economy (IPE), number 27/2013.
• Calvet, Laurent E. & Sodini, Paolo, 2013, "Twin picks: Disentangling the determinants of risk-taking in household portfolios," SAFE Working Paper Series, Leibniz Institute for Financial Research SAFE, number 13, DOI: 10.2139/ssrn.2244168.
• Kraft, Holger & Munk, Claus & Seifried, Frank Thomas & Wagner, Sebastian, 2013, "Consumption habits and humps," SAFE Working Paper Series, Leibniz Institute for Financial Research SAFE, number 15, DOI: 10.2139/ssrn.2259613.
• Winter, Joachim & Lührmann, Melanie & Serra Garcia, Marta, 2013, "The effects of financial literacy training: Evidence from a field experiment in German high schools," VfS Annual Conference 2013 (Duesseldorf): Competition Policy and Regulation in a Global Economic Order, Verein für Socialpolitik / German Economic Association, number 79744.
• Klos, Alexander & Rottke, Simon, 2013, "Saving and Consumption When Children Move Out," VfS Annual Conference 2013 (Duesseldorf): Competition Policy and Regulation in a Global Economic Order, Verein für Socialpolitik / German Economic Association, number 79786.
• Kirchkamp, Oliver & Prömpers, Henning, 2013, "Discharge of residual debt: Do private and institutional lenders differ?," VfS Annual Conference 2013 (Duesseldorf): Competition Policy and Regulation in a Global Economic Order, Verein für Socialpolitik / German Economic Association, number 79851.
• Dick, Christian D. & Jaroszek, Lena M., 2013, "Knowing what not to do: Financial literacy and consumer credit choices," ZEW Discussion Papers, ZEW - Leibniz Centre for European Economic Research, number 13-027.

2012

• Christopher Carroll & Jiri Slacalek & Martin Sommer, 2012, "Dissecting Saving Dynamics: Measuring Wealth, Precautionary, and Credit Effects," Economics Working Paper Archive, The Johns Hopkins University,Department of Economics, number 602, Sep.
• Li Gan & Tarun Sabarwal & Shuoxun Zhang, 2012, "Personal Bankruptcy: Reconciling Adverse Events and Strategic Filing Hypotheses Using Heterogeneity in Filing Types," WORKING PAPERS SERIES IN THEORETICAL AND APPLIED ECONOMICS, University of Kansas, Department of Economics, number 201239, Oct, revised Oct 2012.
• Raphael Bostic & Souphala Chomsisengphet & Kathleen Engel & Patricia McCoy & Anthony Pennington-Cross & Susan Wachter, 2012, "Mortgage Product Substitution and State Anti-predatory Lending Laws: Better Loans and Better Borrowers?," Atlantic Economic Journal, Springer;International Atlantic Economic Society, volume 40, issue 3, pages 273-294, September, DOI: 10.1007/s11293-012-9325-3.
• Soo Chew & Richard Ebstein & Songfa Zhong, 2012, "Ambiguity aversion and familiarity bias: Evidence from behavioral and gene association studies," Journal of Risk and Uncertainty, Springer, volume 44, issue 1, pages 1-18, February, DOI: 10.1007/s11166-011-9134-0.
• Sule Alan & Thomas Crossley & Hamish Low, 2012, "Saving on a Rainy Day, Borrowing for a Rainy Day," Koç University-TUSIAD Economic Research Forum Working Papers, Koc University-TUSIAD Economic Research Forum, number 1212, May.
• Kalaycı, Kenan & Serra-Garcia, Marta, 2012, "Complexity and Biases," Discussion Papers in Economics, University of Munich, Department of Economics, number 13035, May.
• Lührmann, Melanie & Serra-Garcia, Marta & Winter, Joachim, 2012, "Teaching teenagers in finance: does it work?," Discussion Papers in Economics, University of Munich, Department of Economics, number 14101, Oct.
• Thomas Lalime & Pierre-Carl Michaud, 2012, "Littératie financière et préparation à la retraite au Québec et dans le reste du Canada," Cahiers de recherche, CIRPEE, number 1237.
• Martin Fochmann & Arne Kleinstück, 2012, "Steueraversion - Sind wir wirklich bereit auf Einkommen zu verzichten, nur um Steuern zu sparen?," FEMM Working Papers, Otto-von-Guericke University Magdeburg, Faculty of Economics and Management, number 120024, Oct.
• Ziegelmeyer, Michael & Nick, Julius, 2012, "Backing out of private pension provision - Lessons from Germany," MEA discussion paper series, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy, number 201211, Aug.
• Martin Fochmann & Dirk Kiesewetter & Abdolkarim Sadrieh, 2012, "The Biased Effect of Aggregated and Disaggregated Income Taxation on Investment Decisions," Journal of Institutional and Theoretical Economics (JITE), Mohr Siebeck, Tübingen, volume 168, issue 3, pages 519-545, September.
• Éva Divéki & Dániel Listár, 2012, "Better safe than sorry: views of the Hungarian public on the security of payment instruments," MNB Bulletin (discontinued), Magyar Nemzeti Bank (Central Bank of Hungary), volume 7, issue 3, pages 7-27, October.
• Marianna Brunetti & Elena Giarda & Costanza Torricelli, 2012, "Is financial fragility a matter of illiquidity? An appraisal for Italian households," Centro Studi di Banca e Finanza (CEFIN) (Center for Studies in Banking and Finance), Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi", number 0032, Jun.
• Mariacristina De Nardi & Eric French & John Bailey Jones, 2012, "Medicaid Insurance in Old Age," Working Papers, University of Michigan, Michigan Retirement Research Center, number wp278, Dec.
• Ken Brown & Bulent Uyar, 2012, "The Impact of Transferring and Time-to-Graduation on Student Debt," Journal of Economic Insight, Missouri Valley Economic Association, volume 38, issue 2, pages 65-78.
• Philip Du Caju, 2012, "Asset formation by households during the financial crisis," Economic Review, National Bank of Belgium, issue i, pages 87-100, June.
• David A. Wise, 2012, "Investigations in the Economics of Aging," NBER Books, National Bureau of Economic Research, Inc, number wise11-2, January-J.
• John Beshears & James Choi & David Laibson & Brigitte C. Madrian & Stephen P. Zeldes, 2012, "What Makes Annuitization More Appealing?," NBER Chapters, National Bureau of Economic Research, Inc, "Retirement Benefits for State and Local Employees: Designing Pension Plans for the Twenty-First Century".
• Robert W. Fairlie & Dean Karlan & Jonathan Zinman, 2012, "Behind the GATE Experiment: Evidence on Effects of and Rationales for Subsidized Entrepreneurship Training," NBER Working Papers, National Bureau of Economic Research, Inc, number 17804, Feb.
• James M. Poterba & Steven F. Venti & David A. Wise, 2012, "Were They Prepared for Retirement? Financial Status at Advanced Ages in the HRS and AHEAD Cohorts," NBER Working Papers, National Bureau of Economic Research, Inc, number 17824, Feb.
• James J. Choi & Emily Haisley & Jennifer Kurkoski & Cade Massey, 2012, "Small Cues Change Savings Choices," NBER Working Papers, National Bureau of Economic Research, Inc, number 17843, Feb.
• Pascaline Dupas & Sarah Green & Anthony Keats & Jonathan Robinson, 2012, "Challenges in Banking the Rural Poor: Evidence from Kenya's Western Province," NBER Working Papers, National Bureau of Economic Research, Inc, number 17851, Feb.
• John B. Shoven & Sita Nataraj Slavov, 2012, "The Decision to Delay Social Security Benefits: Theory and Evidence," NBER Working Papers, National Bureau of Economic Research, Inc, number 17866, Feb.
• Gharad T. Bryan & Dean Karlan & Jonathan Zinman, 2012, "Referrals: Peer Screening and Enforcement in a Consumer Credit Field Experiment," NBER Working Papers, National Bureau of Economic Research, Inc, number 17883, Mar.
• Leora F. Klapper & Annamaria Lusardi & Georgios A. Panos, 2012, "Financial Literacy and the Financial Crisis," NBER Working Papers, National Bureau of Economic Research, Inc, number 17930, Mar.
• Axel H. Börsch-Supan & Michela Coppola & Anette Reil-Held, 2012, "Riester Pensions in Germany: Design, Dynamics, Targetting Success and Crowding-In," NBER Working Papers, National Bureau of Economic Research, Inc, number 18014, Apr.
• Christopher L. Foote & Kristopher S. Gerardi & Paul S. Willen, 2012, "Why Did So Many People Make So Many Ex Post Bad Decisions? The Causes of the Foreclosure Crisis," NBER Working Papers, National Bureau of Economic Research, Inc, number 18082, May.
• John Chalmers & Jonathan Reuter, 2012, "Is Conflicted Investment Advice Better than No Advice?," NBER Working Papers, National Bureau of Economic Research, Inc, number 18158, Jun.
• John B. Shoven & Sita Nataraj Slavov, 2012, "When Does It Pay to Delay Social Security? The Impact of Mortality, Interest Rates, and Program Rules," NBER Working Papers, National Bureau of Economic Research, Inc, number 18210, Jul.
• Brigitte C. Madrian, 2012, "Matching Contributions and Savings Outcomes: A Behavioral Economics Perspective," NBER Working Papers, National Bureau of Economic Research, Inc, number 18220, Jul.
• Leonardo Bursztyn & Florian Ederer & Bruno Ferman & Noam Yuchtman, 2012, "Understanding Peer Effects in Financial Decisions: Evidence from a Field Experiment," NBER Working Papers, National Bureau of Economic Research, Inc, number 18241, Jul.
• Justine S. Hastings & Brigitte C. Madrian & William L. Skimmyhorn, 2012, "Financial Literacy, Financial Education and Economic Outcomes," NBER Working Papers, National Bureau of Economic Research, Inc, number 18412, Sep.
• Felipe Kast & Stephan Meier & Dina Pomeranz, 2012, "Under-Savers Anonymous: Evidence on Self-Help Groups and Peer Pressure as a Savings Commitment Device," NBER Working Papers, National Bureau of Economic Research, Inc, number 18417, Sep.
• Elizabeth M. Caucutt & Lance Lochner, 2012, "Early and Late Human Capital Investments, Borrowing Constraints, and the Family," NBER Working Papers, National Bureau of Economic Research, Inc, number 18493, Oct.
• Britta Augsburg & Ralph De Haas & Heike Harmgart & Costas Meghir, 2012, "The Impacts of Microcredit: Evidence from Bosnia and Herzegovina," NBER Working Papers, National Bureau of Economic Research, Inc, number 18538, Nov.
• John Beshears & James J. Choi & David Laibson & Brigitte C. Madrian & Stephen P. Zeldes, 2012, "What Makes Annuitization More Appealing?," NBER Working Papers, National Bureau of Economic Research, Inc, number 18575, Nov.
• Fabian Duarte & Justine S. Hastings, 2012, "Fettered Consumers and Sophisticated Firms: Evidence from Mexico's Privatized Social Security Market," NBER Working Papers, National Bureau of Economic Research, Inc, number 18582, Dec.
• Eric Doviak & Sean MacDonald, 2012, "Who Defaults on their Home Mortgage?," New York Economic Review, New York State Economics Association (NYSEA), volume 43, issue 1, pages 75-98.
• Angela Hung & Joanne Yoong & Elizabeth Brown, 2012, "Empowering Women Through Financial Awareness and Education," OECD Working Papers on Finance, Insurance and Private Pensions, OECD Publishing, number 14, Mar, DOI: 10.1787/5k9d5v6kh56g-en.
• Adele Atkinson & Flore-Anne Messy, 2012, "Measuring Financial Literacy: Results of the OECD / International Network on Financial Education (INFE) Pilot Study," OECD Working Papers on Finance, Insurance and Private Pensions, OECD Publishing, number 15, Mar, DOI: 10.1787/5k9csfs90fr4-en.
• Andrea Grifoni & Flore-Anne Messy, 2012, "Current Status of National Strategies for Financial Education: A Comparative Analysis and Relevant Practices," OECD Working Papers on Finance, Insurance and Private Pensions, OECD Publishing, number 16, Apr, DOI: 10.1787/5k9bcwct7xmn-en.
• Adele Atkinson & Debbie Harrison & Flore-Anne Messy & Juan Yermo, 2012, "Lessons from National Pensions Communication Campaigns," OECD Working Papers on Finance, Insurance and Private Pensions, OECD Publishing, number 18, May, DOI: 10.1787/5k98xwz5z09v-en.
• Pablo Antolín & Debbie Harrison, 2012, "Annual DC Pension Statements and the Communications Challenge," OECD Working Papers on Finance, Insurance and Private Pensions, OECD Publishing, number 19, Jun, DOI: 10.1787/5k97gkd06kth-en.
• Sue Lewis & Flore-Anne Messy, 2012, "Financial Education, Savings and Investments: An Overview," OECD Working Papers on Finance, Insurance and Private Pensions, OECD Publishing, number 22, Jul, DOI: 10.1787/5k94gxrw760v-en.
• Flore-Anne Messy & Chiara Monticone, 2012, "The Status of Financial Education in Africa," OECD Working Papers on Finance, Insurance and Private Pensions, OECD Publishing, number 25, Jul, DOI: 10.1787/5k94cqqx90wl-en.
• Pablo Antolin & Olga Fuentes, 2012, "Communicating Pension Risk to DC Plan Members: The Chilean Case of a Pension Risk Simulator," OECD Working Papers on Finance, Insurance and Private Pensions, OECD Publishing, number 28, Oct, DOI: 10.1787/5k9181hxzmlr-en.
• Elisabeth Beckmann & Thomas Scheiber, 2012, "Not So Trustworthy Anymore? The Euro as a Safe Haven Asset in Central, Eastern and Southeastern Europe," Focus on European Economic Integration, Oesterreichische Nationalbank (Austrian Central Bank), issue 2, pages 65-71.
• Elisabeth Beckmann & Thomas Scheiber, 2012, "The Impact of Memories of High Inflation on Households’ Trust in Currencies," Focus on European Economic Integration, Oesterreichische Nationalbank (Austrian Central Bank), issue 4, pages 80-93.
• Nicolas Albacete & Pirmin Fessler & Martin Schürz, 2012, "Risk Buffer Profiles of Foreign Currency Mortgage Holders," Financial Stability Report, Oesterreichische Nationalbank (Austrian Central Bank), issue 23, pages 58-71.
• Doris Ritzberger-Grünwald & Thomas Scheiber, 2012, "Euro Cash in Central, Eastern and Southeastern Europe," Monetary Policy & the Economy, Oesterreichische Nationalbank (Austrian Central Bank), issue 1, pages 41-55.
• Christian Beer & Karin Wagner, 2012, "Housing Cost Burden of Austrian Households: Results of a Recent Survey," Monetary Policy & the Economy, Oesterreichische Nationalbank (Austrian Central Bank), issue 4, pages 78-89.
• Elisabeth Beckmann & Jarko Fidrmuc & Helmut Stix, 2012, "Foreign Currency Loans and Loan Arrears of Households in Central and Eastern Europe," Working Papers, Oesterreichische Nationalbank (Austrian Central Bank), number 181, Nov.
• Scott Schuh & Oz Shy & Joanna Stavins & Robert Triest, 2012, "An Economic Analysis Of The 2011 Settlement Between The Department Of Justice And Credit Card Networks," Journal of Competition Law and Economics, Oxford University Press, volume 8, issue 1, pages 107-144.
• John Chalmers & Jonathan Reuter, 2012, "How Do Retirees Value Life Annuities? Evidence from Public Employees," The Review of Financial Studies, Society for Financial Studies, volume 25, issue 8, pages 2601-2634.
• Marta Borda & Anna Jedrzychowska, 2012, "Attitudes and decisions of the motor insurance buyers in Poland," Business and Economic Horizons (BEH), Prague Development Center, volume 8, issue 2, pages 23-32, December.
• Botos, Katalin & Botos, József & Béres, Dániel & Csernák, József & Németh, Erzsébet, 2012, "Financial Literacy and Risk-Taking of Households in the Hungarian Central Great Plain," Public Finance Quarterly, Corvinus University of Budapest, volume 57, issue 3, pages 267-285.
• Zsótér, Boglárka & Nagy, Péter, 2012, "Our Everyday Emotions and Finances – The role money-related attitudes and materialistic orienta-tion play in developing financial culture," Public Finance Quarterly, Corvinus University of Budapest, volume 57, issue 3, pages 286-297.
• Béres, Dániel & Huzdik, Katalin, 2012, "Financial Literacy and Macro-economics," Public Finance Quarterly, Corvinus University of Budapest, volume 57, issue 3, pages 298-312.
• David ARISTEI & Manuela Gallo, 2012, "The Drivers of Household Over-Indebtedness and Delinquency on Mortgage Loans: Evidence from Italian Microdata," Quaderni del Dipartimento di Economia, Finanza e Statistica, Università di Perugia, Dipartimento Economia, number 105/2012, Sep.
• Badruddoza, S., 2012, "Pins in the shoes of microfinance," MPRA Paper, University Library of Munich, Germany, number 37944, Apr.
• Hernandez-Hernandez, Emilio & Sam, Abdoul G. & Gonzalez-Vega, Claudio & Chen, Joyce J., 2012, "Does the insurance effect of public and private transfers favor financial deepening? evidence from rural Nicaragua," MPRA Paper, University Library of Munich, Germany, number 38339, Feb.
• Hernandez-Hernandez, Emilio & Schreiner, Mark, 2012, "A method to monitor poverty dynamics among microfinance clients: An example using survey data from Bangladesh," MPRA Paper, University Library of Munich, Germany, number 38977, Jan.
• Pfau, Wade Donald & Kariastanto, Bayu, 2012, "An international perspective on “safe” savings rates for retirement," MPRA Paper, University Library of Munich, Germany, number 39066, May.
• Pfau, Wade Donald, 2012, "Choosing a Retirement Income Strategy: Outcome Measures and Best Practices," MPRA Paper, University Library of Munich, Germany, number 39145, May.
• Pfau, Wade Donald, 2012, "Choosing a retirement income strategy: a new evaluation framework," MPRA Paper, University Library of Munich, Germany, number 39169, Jun.
• Bachev, Hrabrin, 2012, "Competitiveness of Bulgarian Farms in Conditions of EU CAP Implementation," MPRA Paper, University Library of Munich, Germany, number 41657, Aug.
• Azam, Rehan & Muhammad, Danish & Syed Akbar, Suleman, 2012, "The significance of socioeconomic factors on personal loan decision a study of consumer banking local private banks in Pakistan," MPRA Paper, University Library of Munich, Germany, number 42322, Oct.
• Gasiorowska, Agata, 2012, "Psychologiczne skutki aktywacji idei pieniędzy a obdarowywanie bliskich
  [The psychological consequences of mere exposure to money and gift-giving]," MPRA Paper, University Library of Munich, Germany, number 48170, Oct.
• Liberda, Barbara & Peczkowski, Marek & Gucwa-Lesny, Ewa, 2012, "How do we value our income from which we save?," MPRA Paper, University Library of Munich, Germany, number 52529, revised 2012.
• Alisdair McKay, 2012, "Code and data files for "Search for Financial Returns and Social Security Privatization"," Computer Codes, Review of Economic Dynamics, number 12-80, revised .
• Carolina Achury & Sylwia Hubar & Christos Koulovatianos, 2012, "Saving Rates and Portfolio Choice with Subsistence Consumption," Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics, volume 15, issue 1, pages 108-126, January, DOI: 10.1016/j.red.2011.01.002.
• Lee Lockwood, 2012, "Bequest Motives and the Annuity Puzzle," Review of Economic Dynamics, Elsevier for the Society for Economic Dynamics, volume 15, issue 2, pages 226-243, April, DOI: 10.1016/j.red.2011.03.001.
• Wilbert van der Klaauw & Wandi Bruine de Bruin & Giorgio Topa & Basit Zafar & Olivier Armantier, 2012, "Inflation Expectations and Behavior: Do Survey Respondents Act on their Beliefs?," 2012 Meeting Papers, Society for Economic Dynamics, number 121.
• Lance Lochner & Elizabeth Caucutt, 2012, "Early and Late Human Capital Investments, Borrowing Constraints, and the Family," 2012 Meeting Papers, Society for Economic Dynamics, number 128.
• Moritz Kuhn & Mark Wright & Tom Krebs, 2012, "Human Capital Risk, Contract Enforcement, and the Macroeconomy," 2012 Meeting Papers, Society for Economic Dynamics, number 159.
• Kurt Mitman, 2012, "Macroeconomic Effects of Bankruptcy and Foreclosure Policies," 2012 Meeting Papers, Society for Economic Dynamics, number 563.
• Luigi Guiso & Charles Gottlieb & Andreas Fagereng, 2012, "Asset Market Participation and Portfolio Choice over the Life-Cycle," 2012 Meeting Papers, Society for Economic Dynamics, number 783.
• Jeffrey Campbell & Zvi Hercowitz, 2012, "Liquidity Constraints of the Middle Class," 2012 Meeting Papers, Society for Economic Dynamics, number 98.
• Sebastien Bradley, 2012, "Property Tax Salience and Payment Delinquency," School of Economics Working Paper Series, LeBow College of Business, Drexel University, number 2012-9, Nov.
• Marianna Brunetti & Elena Giarda & Costanza Torricelli, 2012, "Is Financial Fragility a Matter of Illiquidity? An Appraisal for Italian Households," CEIS Research Paper, Tor Vergata University, CEIS, number 242, Jul, revised 18 Jul 2012.
• Marianna Brunetti & Costanza Torricelli, 2012, "Second Homes: Households' Life Dream or (Wrong) Investment?," CEIS Research Paper, Tor Vergata University, CEIS, number 351, Aug, revised 04 Aug 2012.
• Claes Ohlsson, 2012, "The Rhetoric of Financial Literacy," Journal of Interdisciplinary Economics, , volume 24, issue 1, pages 55-75, January.
• Pablo Antolin & Olga Fuentes, 2012, "Communicating Pension Risk To Dc Plan Members: The Chilean Case Of A Pension Risk Simulator," Working Papers, Superintendencia de Pensiones, number 55, Nov, revised Nov 2012.
• Monika Książek, 2012, "Modele ukrytych łańcuchów Markowa jako metoda analizy danych panelowych," Collegium of Economic Analysis Annals, Warsaw School of Economics, Collegium of Economic Analysis, issue 27, pages 27-39.
• Sarah Brown & Jolian McHardy & Karl Taylor, 2012, "On Modelling the Social Interaction of Couples," Working Papers, The University of Sheffield, Department of Economics, number 2012001, Jan.
• Sarah Brown & Karl Taylor, 2012, "Household Finances and Social Interaction," Working Papers, The University of Sheffield, Department of Economics, number 2012007.
• Li Su & Sarah Brown & Pulak Ghosh & Karl Taylor, 2012, "Modelling Household Debt and Financial Assets: A Bayesian Approach to a Bivariate Two-Part Model," Working Papers, The University of Sheffield, Department of Economics, number 2012009.
• Sarah Brown & Karl Taylor, 2012, "Expectations and the Saving Behaviour of Children: Analysis of the U.S. Panel Study of Income Dynamics," Working Papers, The University of Sheffield, Department of Economics, number 2012015.
• Michael Anderson & Sanjiv Jaggia, 2012, "Return, purchase, or skip? Outcome, duration, and consumer behavior in the rent-to-own market," Empirical Economics, Springer, volume 43, issue 1, pages 313-334, August, DOI: 10.1007/s00181-011-0461-4.
• Cahit Guven & Bent Sørensen, 2012, "Subjective Well-Being: Keeping Up with the Perception of the Joneses," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, volume 109, issue 3, pages 439-469, December, DOI: 10.1007/s11205-011-9910-x.
• Heski Bar-Isaac & Vicente Cuñat, 2012, "Long-term Debt and Hidden Borrowing," Working Papers, New York University, Leonard N. Stern School of Business, Department of Economics, number 12-05.
• Stefan Hochguertel & Henry Ohlsson, 2012, "Who is at the Top? Wealth Mobility over the Life Cycle," Tinbergen Institute Discussion Papers, Tinbergen Institute, number 12-004/3, Jan.
• Ron J.G. van Schie & Bas Donkers & Benedict G.C. Dellaert, 2012, "Savings Adequacy Uncertainty: Driver or Obstacle to Increased Pension Contributions?," Tinbergen Institute Discussion Papers, Tinbergen Institute, number 12-037/1, Apr.
• William N. Evans & Timothy J. Moore, 2012, "Liquidity, Economic Activity, and Mortality," The Review of Economics and Statistics, MIT Press, volume 94, issue 2, pages 400-418, May.
• Richard Sandlant, 2012, "Consumer financial protection: future directions," Economic Roundup, The Treasury, Australian Government, issue 1, pages 31-44, May.
• Yiquan Gu & Tobias Wenzel, 2012, "Strategic Obfuscation and Consumer Protection Policy in Financial Markets: Theory and Experimental Evidence," Working Paper series, University of East Anglia, Centre for Competition Policy (CCP), Centre for Competition Policy, University of East Anglia, Norwich, UK., number 2012-14, Dec.
• Sergio Mayordomo & María Rodríguez-Moreno & Juan Ignacio Peña, 2012, "Portfolio Choice with Indivisible and Illiquid Housing Assets: The Case of Spain," Faculty Working Papers, School of Economics and Business Administration, University of Navarra, number 24/12, Dec.
• Oana NITU & Claudiu Valentin NITU & Cosmin TILEAGA, 2012, "Saving In Foreign Currency And Its Effects: An Empirical Analysis," HOLISTICA Journal of Business and Public Administration, Association Holistic Research Academic (HoRA), volume 3, issue 2, pages 7-17, July - De.
• Rüştü YAYAR & Süleyman Serdar KARACA, 2012, "Identifying The Factors Affecting The Consumer Credit Card Ownership: Empirical Evidence From Turkey," Journal of Applied Economic Sciences, Spiru Haret University, Faculty of Financial Management and Accounting Craiova, volume 7, issue 2(20)/ Su, pages 195-204.
• Lance Lochner & Alexander Monge-Naranjo, 2012, "Credit Constraints in Education," University of Western Ontario, Centre for Human Capital and Productivity (CHCP) Working Papers, University of Western Ontario, Centre for Human Capital and Productivity (CHCP), number 20121.
• Elizabeth M. Caucutt & Lance Lochner, 2012, "Early and Late Human Capital Investments, Borrowing Constraints, and the Family," University of Western Ontario, Centre for Human Capital and Productivity (CHCP) Working Papers, University of Western Ontario, Centre for Human Capital and Productivity (CHCP), number 20125.
• Alessandra Coli, 2012, "Matching survey and administrative data for studying poverty at the local level," Rivista Internazionale di Scienze Sociali, Vita e Pensiero, Pubblicazioni dell'Universita' Cattolica del Sacro Cuore, volume 120, issue 1, pages 107-116.