Research classified by Journal of Economic Literature (JEL) codes

2012

• 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 Antolín & 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.
• Alessandro Bucciol & Raffaele Miniaci, 2012, "Financial Risk Aversion, Economic Crises and Past Risk Perception," Working Papers, University of Verona, Department of Economics, number 28/2012, Oct.
• Liberda Barbara & Pęczkowski Marek & Gucwa-Leśny Ewa, 2012, "How Do We Value Our Income from which We Save?," Scientific Annals of Economics and Business, Sciendo, volume 59, issue 2, pages 93-104, December, DOI: 10.2478/v10316-012-0034-5.
• Klapper, Leora & Lusardi, Annamaria & Panos, Georgios A., 2012, "Financial literacy and the financial crisis," Policy Research Working Paper Series, The World Bank, number 5980, Feb.
• Ackermann, Hagen & Fochmann, Martin & Mihm, Benedikt, 2012, "Biased effects of taxes and subsidies on portfolio choices," arqus Discussion Papers in Quantitative Tax Research, arqus - Arbeitskreis Quantitative Steuerlehre, number 138.
• von Kalckreuth, Ulf & Eisele, Martin & Le Blanc, Julia & Schmidt, Tobias & Zhu, Junyi, 2012, "The PHF: A comprehensive panel survey on household finances and wealth in Germany," Discussion Papers, Deutsche Bundesbank, number 13/2012.
• Podlech, Nils, 2012, "Dividenden und Aktienrückkäufe unter der Abgeltungssteuer," Manuskripte aus den Instituten für Betriebswirtschaftslehre der Universität Kiel, Christian-Albrechts-Universität zu Kiel, Institut für Betriebswirtschaftslehre, number 656.
• Wermers, Russ, 2012, "Runs on money market mutual funds," CFR Working Papers, University of Cologne, Centre for Financial Research (CFR), number 12-05.
• Gu, Yiquan & Wenzel, Tobias, 2012, "Strategic obfuscation and consumer protection policy in financial markets: Theory and experimental evidence," DICE Discussion Papers, Heinrich Heine University Düsseldorf, Düsseldorf Institute for Competition Economics (DICE), number 76.
• Chatterjee, Swarn & Palmer, Lance & Goetz, Joseph, 2012, "Individual wealth accumulation: Why does dining together as a family matter?," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, volume 8, issue 2, pages 1-22.
• Barasinska, Nataliya & Schäfer, Dorothea & Stephan, Andreas, 2012, "Individual Risk Attitudes and the Composition of Financial Portfolios: Evidence from German Household Portfolios," EconStor Open Access Articles and Book Chapters, ZBW - Leibniz Information Centre for Economics, volume 52, issue 1, pages 1-14.
• Podlech, Nils, 2012, "Dividenden und Aktienrückkäufe unter der Abgeltungssteuer," EconStor Preprints, ZBW - Leibniz Information Centre for Economics, number 75273.
• Dick, Christian D. & Knobloch, Michael & Al-Umaray, Kerim S. & Jaroszek, Lena & Schröder, Michael & Tiffe, Achim, 2012, "Studie zu Dispozinsen / Ratenkrediten - Forschungsvorhaben zur Bereitstellung wissenschaftlicher Entscheidungshilfe für das Bundesministerium für Ernährung, Landwirtschaft und Verbraucherschutz (BMELV)," EconStor Research Reports, ZBW - Leibniz Information Centre for Economics, number 65418, Jul.
• Ambrosius, Christian, 2012, "Are remittances a substitute for credit? Carrying the financial burden of health shocks in national and transnational households," Discussion Papers, Free University Berlin, School of Business & Economics, number 2012/9.
• Schmidt, Ulrich, 2012, "Insurance demand and prospect theory," Kiel Working Papers, Kiel Institute for the World Economy, number 1750.
• Schmidt, Ulrich, 2012, "Insurance demand under prospect theory: A graphical analysis," Kiel Working Papers, Kiel Institute for the World Economy, number 1764.
• Santosh Anagol & Hugh Hoikwang Kim, 2012, "The Impact of Shrouded Fees: Evidence from a Natural Experiment in the Indian Mutual Funds Market," American Economic Review, American Economic Association, volume 102, issue 1, pages 576-593, February.
• Michael Kirchler & Jurgen Huber & Thomas Stockl, 2012, "Thar She Bursts: Reducing Confusion Reduces Bubbles," American Economic Review, American Economic Association, volume 102, issue 2, pages 865-883, April.
• Fernando Alvarez & Luigi Guiso & Francesco Lippi, 2012, "Durable Consumption and Asset Management with Transaction and Observation Costs," American Economic Review, American Economic Association, volume 102, issue 5, pages 2272-2300, August.
• Liran Einav & Amy Finkelstein & Iuliana Pascu & Mark R. Cullen, 2012, "How General Are Risk Preferences? Choices under Uncertainty in Different Domains," American Economic Review, American Economic Association, volume 102, issue 6, pages 2606-2638, October.
• Daniel Aaronson & Sumit Agarwal & Eric French, 2012, "The Spending and Debt Response to Minimum Wage Hikes," American Economic Review, American Economic Association, volume 102, issue 7, pages 3111-3139, December.
• Susan E. Woodward & Robert E. Hall, 2012, "Diagnosing Consumer Confusion and Sub-optimal Shopping Effort: Theory and Mortgage-Market Evidence," American Economic Review, American Economic Association, volume 102, issue 7, pages 3249-3276, December.
• Jay H. Hong & José-Víctor Ríos-Rull, 2012, "Life Insurance and Household Consumption," American Economic Review, American Economic Association, volume 102, issue 7, pages 3701-3730, December.
• Paul J. Gertler & Sebastian W. Martinez & Marta Rubio-Codina, 2012, "Investing Cash Transfers to Raise Long-Term Living Standards," American Economic Journal: Applied Economics, American Economic Association, volume 4, issue 1, pages 164-192, January.
• Katrine V. Løken & Magne Mogstad & Matthew Wiswall, 2012, "What Linear Estimators Miss: The Effects of Family Income on Child Outcomes," American Economic Journal: Applied Economics, American Economic Association, volume 4, issue 2, pages 1-35, April.
• Joseph P. Kaboski & Robert M. Townsend, 2012, "The Impact of Credit on Village Economies," American Economic Journal: Applied Economics, American Economic Association, volume 4, issue 2, pages 98-133, April.
• Jonathan Robinson, 2012, "Limited Insurance within the Household: Evidence from a Field Experiment in Kenya," American Economic Journal: Applied Economics, American Economic Association, volume 4, issue 4, pages 140-164, October, DOI: 10.1257/app.4.4.140.
• Kartik Athreya & Xuan S. Tam & Eric R. Young, 2012, "A Quantitative Theory of Information and Unsecured Credit," American Economic Journal: Macroeconomics, American Economic Association, volume 4, issue 3, pages 153-183, July, DOI: 10.1257/mac.4.3.153.
• Chadi S. Abdallah & William D. Lastrapes, 2012, "Home Equity Lending and Retail Spending: Evidence from a Natural Experiment in Texas," American Economic Journal: Macroeconomics, American Economic Association, volume 4, issue 4, pages 94-125, October, DOI: 10.1257/mac.4.4.94.
• Damon Jones, 2012, "Inertia and Overwithholding: Explaining the Prevalence of Income Tax Refunds," American Economic Journal: Economic Policy, American Economic Association, volume 4, issue 1, pages 158-185, February.
• Mark Armstrong & John Vickers, 2012, "Consumer Protection and Contingent Charges," Journal of Economic Literature, American Economic Association, volume 50, issue 2, pages 477-493, June.
• Roman Inderst & Marco Ottaviani, 2012, "Financial Advice," Journal of Economic Literature, American Economic Association, volume 50, issue 2, pages 494-512, June.
• Christopher Avery & Sarah Turner, 2012, "Student Loans: Do College Students Borrow Too Much--Or Not Enough?," Journal of Economic Perspectives, American Economic Association, volume 26, issue 1, pages 165-192, Winter.
• Bryan, Gharad & Karlan, Dean S. & Zinman, Jonathan, 2012, "You Can Pick Your Friends, But You Need to Watch Them: Loan Screening and Enforcement in a Referrals Field Experiment," Center Discussion Papers, Yale University, Economic Growth Center, number 121674, Jan, DOI: 10.22004/ag.econ.121674.
• Swarn CHATTERJEE & John R. SALTER & Nathan HARNESS, 2012, "Annuitization Decisions Of Retirees: The Role Of Risk Aversion And Financial Advice," Review of Economic and Business Studies, Alexandru Ioan Cuza University, Faculty of Economics and Business Administration, issue 9, pages 35-52, June.
• Pavel Ciaian & Jan Fałkowski & D’Artis Kancs, 2012, "Productivity and credit constraints: A firm-level propensity score evidence for agricultural farms in central and east European countries," Acta Oeconomica, Akadémiai Kiadó, Hungary, volume 62, issue 4, pages 459-487, December.
• Henry T.C. Hu, 2012, "Efficient Markets and the Law: A Predictable Past and an Uncertain Future," Annual Review of Financial Economics, Annual Reviews, volume 4, issue 1, pages 179-214, October.
• Lance Lochner & Alexander Monge-Naranjo, 2012, "Credit Constraints in Education," Annual Review of Economics, Annual Reviews, volume 4, issue 1, pages 225-256, July.
• Loretti Dobrescu & Dimitris Christelis & Alberto Motta, 2012, "Early Life Conditions and Financial Risk-taking in Older Age," Working Papers, ARC Centre of Excellence in Population Ageing Research (CEPAR), Australian School of Business, University of New South Wales, number 201208, Mar.
• Patricia Apps & Yuri Andrienko & Ray Rees, 2012, "Risk and Saving in Two-Person Households: More Scope for Precautionary Saving," CEPR Discussion Papers, Centre for Economic Policy Research, Research School of Economics, Australian National University, number 674, Nov.
• Emanuele Bacchiocchi & Luisa Anderloni & Daniela Vandone, 2012, "Households’ financial vulnerability in the new scenario," BANCARIA, Bancaria Editrice, volume 10, pages 94-107, October.
• Ramdane Djoudad, 2012, "A Framework to Assess Vulnerabilities Arising from Household Indebtedness Using Microdata," Discussion Papers, Bank of Canada, number 12-3, DOI: 10.34989/sdp-2012-3.
• Thomas Y. Mathä & Alessandro Porpiglia & Michael Ziegelmeyer, 2012, "The Luxembourg Household Finance and Consumption Survey (LU-HFCS): Introduction and Results," BCL working papers, Central Bank of Luxembourg, number 73, May.
• Michael Ziegelmeyer & Julius Nick, 2012, "Backing out of private pension provision - Lessons from Germany," BCL working papers, Central Bank of Luxembourg, number 74, Jul.
• Roberto Blanco & Ricardo Gimeno, 2012, "Determinants of default ratios in the segment of loans to households in Spain," Working Papers, Banco de España, number 1210, Feb.
• Giuseppe Cappelletti, 2012, "Do wealth fluctuations generate time-varying risk aversion? Italian micro-evidence on household asset allocation," Temi di discussione (Economic working papers), Bank of Italy, Economic Research and International Relations Area, number 845, Jan.
• Estaban Gómez González & Nancy Zamudio Gómez, 2012, "Las capacidades financieras de la población colombiana," Borradores de Economia, Banco de la Republica de Colombia, number 725, Jul, DOI: 10.32468/be.725.
• Jérémy Montornès, 2012, "L’évolution de la monnaie et du crédit en 2011," Bulletin de la Banque de France, Banque de France, issue 187, pages 39-44.
• Haas, P., 2012, "Les Français et l’économie. Synthèse de l’enquête quantitative Banque de France/TNS Sofres. Journées de l’économie à Lyon," Bulletin de la Banque de France, Banque de France, issue 190, pages 153-160.
• J. Montornès., 2012, "Monetary and credit developments in 2011," Quarterly selection of articles - Bulletin de la Banque de France, Banque de France, issue 25, pages 53-62, Spring.
• Raquel Fonseca & Kathleen J. Mullen & Gema Zamarro & Julie Zissimopoulos, 2012, "What Explains the Gender Gap in Financial Literacy? The Role of Household Decision Making," Journal of Consumer Affairs, Wiley Blackwell, volume 46, issue 1, pages 90-106, March, DOI: j.1745-6606.2011.01221.x.
• Murizah Osman Salleh & Aziz Jaafar & M. Shahid Ebrahim, 2012, "Can an interest-free credit facility be more efficient than a usurious payday loan?," Working Papers, Bangor Business School, Prifysgol Bangor University (Cymru / Wales), number 12008, Jul.
• Kyeongwon Yoo & Hae Won Byun, 2012, "The Increase in Household Debt and Borrowing Constraints (in Korean)," Economic Analysis (Quarterly), Economic Research Institute, Bank of Korea, volume 18, issue 1, pages 61-83, March.
• M. Fort & F. Manaresi & S. Trucchi, 2012, "Banks Information Policies, Financial Literacy and Household Wealth," Working Papers, Dipartimento Scienze Economiche, Universita' di Bologna, number wp852, Nov.
• Brutscher, P-B., 2012, "Making Sense of Oil Stamp Saving Schemes," Cambridge Working Papers in Economics, Faculty of Economics, University of Cambridge, number 1203, Jan.
• Brutscher, P., 2012, "Self-Disconnection Among Pre-Payment Customers - A Behavioural Analysis," Cambridge Working Papers in Economics, Faculty of Economics, University of Cambridge, number 1214, Mar.
• Alan, S. & Crossley, T. & Low, H., 2012, "Saving on a Rainy Day, Borrowing for a Rainy Day," Cambridge Working Papers in Economics, Faculty of Economics, University of Cambridge, number 1222, May.
• Agnese Romiti & Mariacristina Rossi, 2012, "Housing wealth decumulation, portfolio composition and financial literacy among the European elderly," Carlo Alberto Notebooks, Collegio Carlo Alberto, number 289.
• Dupas, Pascaline & Robinson, Jonathan, 2012, "Savings Constraints and Microenterprise Development: Evidence from a Field Experiment in Kenya," Santa Cruz Department of Economics, Working Paper Series, Department of Economics, UC Santa Cruz, number qt1rg2d9mm, Oct.
• Dupas, Pascaline & Robinson, Jonathan, 2012, "Why Don't the Poor Save More? Evidence from Health Savings Experiments," Santa Cruz Department of Economics, Working Paper Series, Department of Economics, UC Santa Cruz, number qt94w3m4r9, Nov.
• Telyukova, Irina A., 2012, "Household Need for Liquidity and the Credit Card Debt Puzzle," University of California at San Diego, Economics Working Paper Series, Department of Economics, UC San Diego, number qt0ww2c04z, Oct.
• Telyukova, Irina, 2008, "Household Need for Liquidity and the Credit Card Debt Puzzle," University of California at San Diego, Economics Working Paper Series, Department of Economics, UC San Diego, number qt4c67r71r, Jan.
• Philippe Bracke & Christian Hilber & Olmo Silva, 2012, "Homeownerhip and Entrepreneurship," SERC Discussion Papers, Centre for Economic Performance, LSE, number 0103, Apr.
• Stefan Arent, 2012, "Erwartungen und Sparen: wie wirken Arbeitslosigkeits- und Gesundheitserwartungen auf die Sparentscheidung von Haushalten?," ifo Dresden berichtet, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, volume 19, issue 02, pages 13-18, April.
• Stefan Arent, 2012, "Expectations and Saving Behavior: An Empirical Analysis," ifo Working Paper Series, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, number 128.
• Dorothee Crayen & Christa Hainz & Christiane Ströh de Martinez, 2012, "Remittances, Banking Status and the Usage of Insurance Schemes," ifo Working Paper Series, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, number 137.
• Pierre-Carl Michaud & Thomas Lalime, 2012, "Littératie financière et préparation à la retraite au Québec et dans le reste du Canada," CIRANO Working Papers, CIRANO, number 2012s-35, Dec.
• Esteban G�mez Gonz�lez & Nancy Zamudio G�mez, 2012, "Las capacidades financieras de la poblaci�n colombiana," Borradores de Economia, Banco de la Republica, number 9828, Jul.
• Zinman, Jonathan & Karlan, Dean & Bryan, Gharad, 2012, "You Can Pick Your Friends, But You Need to Watch Them: Loan Screening and Enforcement in a Referrals Field Experiment," CEPR Discussion Papers, C.E.P.R. Discussion Papers, number 8857, Feb.
• Lóránth, Gyöngyi & Alan, Sule, 2012, "Subprime Consumer Credit Demand: Evidence from a Lender's Pricing Experiment," CEPR Discussion Papers, C.E.P.R. Discussion Papers, number 9210, Nov.
• Fougère, Denis & Poulhès, Mathilde, 2012, "The Effect of Housing on Portfolio Choice: A Reappraisal Using French Data," CEPR Discussion Papers, C.E.P.R. Discussion Papers, number 9213, Nov.
• Schröder, Carsten, 2012, "Profitability of pension contributions – evidence from real-life employment biographies," Journal of Pension Economics and Finance, Cambridge University Press, volume 11, issue 3, pages 311-336, July.
• Kornelia Hagen, 2012, "Dokumentation der Diskussionsbeiträge auf dem Workshop des DIW Berlin zum Thema "Riester-Rente - Grundlegende Reform dringend geboten!?": [Online-Artikel]," Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research, DIW Berlin, German Institute for Economic Research, volume 81, issue 2, pages 280-311, DOI: 10.3790/vjh.81.2.280.
• Kornelia Hagen, 2012, "Streitfall Bewertung des Riester-Sparens," Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research, DIW Berlin, German Institute for Economic Research, volume 81, issue 2, pages 133-163, DOI: 10.3790/vjh.81.2.133.
• Johannes Geyer, 2012, "Riester-Rente und Niedrigeinkommen: was sagen die Daten?," Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research, DIW Berlin, German Institute for Economic Research, volume 81, issue 2, pages 165-180, DOI: 10.3790/vjh.81.2.165.
• Axel Kleinlein, 2012, "Verschärfung der Ineffizienz der Riesterrente-Angebote 2012 und in den Folgejahren," Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research, DIW Berlin, German Institute for Economic Research, volume 81, issue 2, pages 103-114, DOI: 10.3790/vjh.81.2.103.
• Barbara Sternberger-Frey, 2012, "Was bringen Riester-Produkte dem Verbraucher?: Analyseergebnisse einer anbieterunabhängigen Testorganisation," Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research, DIW Berlin, German Institute for Economic Research, volume 81, issue 2, pages 115-132, DOI: 10.3790/vjh.81.2.115.
• Andrew T. Hill & Bonnie T. Meszaros & Brian Tyson, 2012, "Evidence of Student Achievement in a High School Personal Finance Course," Working Papers, University of Delaware, Department of Economics, number 13-01.
• Régis Blazy & Bertrand Chopard & Eric Langlais & Ydriss Ziane, 2012, "L’effacement des dettes des particuliers surendettés : Une étude empirique des décisions judiciaires," EconomiX Working Papers, University of Paris Nanterre, EconomiX, number 2012-10.
• Abu N.M. Wahid & Muhammad Shahbaz & Mehmood Shah & Mohammad Salahuddin, 2012, "Does Financial Sector Development Increase Income Inequality? Some Econometric Evidence from Bangladesh," Indian Economic Review, Department of Economics, Delhi School of Economics, volume 47, issue 1, pages 89-107.
• Slacalek, Jiri & Sommer, Martin & Carroll, Christopher, 2012, "Dissecting saving dynamics: measuring wealth, precautionary and credit effects," Working Paper Series, European Central Bank, number 1474, Sep.
• Agarwal, Sumit & Ben-David, Itzhak & Amromin, Gene & Chomsisengphet, Souphala & Evanoff, Douglas D., 2012, "Predatory Lending and the Subprime Crisis," Working Paper Series, Ohio State University, Charles A. Dice Center for Research in Financial Economics, number 2012-08, May.
• Karlan, Dean, 2012, "Behind the GATE Experiment: Evidence on Effects of and Rationales for Subsidized Entrepreneurship Training," Working Papers, Yale University, Department of Economics, number 95, Jan.
• Bryan, Gharad & Karlan, Dean & Zinman, Jonathan, 2012, "You Can Pick Your Friends, but You Need to Watch Them: Loan Screening and Enforcement in a Referrals Field Experiment," Working Papers, Yale University, Department of Economics, number 99, Jan.
• Jaanika Merikull, 2012, "Households borrowing during a creditless recovery," Bank of Estonia Working Papers, Bank of Estonia, number wp2012-2, Feb, revised 22 Feb 2012.
• Wang, Xin & Wen, Yi, 2012, "Housing prices and the high Chinese saving rate puzzle," China Economic Review, Elsevier, volume 23, issue 2, pages 265-283, DOI: 10.1016/j.chieco.2011.11.003.
• Cai, Jun & Ge, Chenliang, 2012, "Multi-objective private wealth allocation without subportfolios," Economic Modelling, Elsevier, volume 29, issue 3, pages 900-907, DOI: 10.1016/j.econmod.2011.11.013.
• Buscha, Franz, 2012, "Financial expectations and the ‘left–right’ political value scale: Testing for the POUM hypothesis," Economics Letters, Elsevier, volume 115, issue 3, pages 460-464, DOI: 10.1016/j.econlet.2011.12.121.
• Dawson, Chris & Henley, Andrew, 2012, "Something will turn up? Financial over-optimism and mortgage arrears," Economics Letters, Elsevier, volume 117, issue 1, pages 49-52, DOI: 10.1016/j.econlet.2012.04.063.
• Pflug, Georg Ch. & Pichler, Alois & Wozabal, David, 2012, "The 1/N investment strategy is optimal under high model ambiguity," Journal of Banking & Finance, Elsevier, volume 36, issue 2, pages 410-417, DOI: 10.1016/j.jbankfin.2011.07.018.
• Atella, Vincenzo & Brunetti, Marianna & Maestas, Nicole, 2012, "Household portfolio choices, health status and health care systems: A cross-country analysis based on SHARE," Journal of Banking & Finance, Elsevier, volume 36, issue 5, pages 1320-1335, DOI: 10.1016/j.jbankfin.2011.11.025.
• Kaustia, Markku & Rantapuska, Elias, 2012, "Rational and behavioral motives to trade: Evidence from reinvestment of dividends and tender offer proceeds," Journal of Banking & Finance, Elsevier, volume 36, issue 8, pages 2366-2378, DOI: 10.1016/j.jbankfin.2012.04.015.
• Fochmann, Martin & Kiesewetter, Dirk & Sadrieh, Abdolkarim, 2012, "Investment behavior and the biased perception of limited loss deduction in income taxation," Journal of Economic Behavior & Organization, Elsevier, volume 81, issue 1, pages 230-242, DOI: 10.1016/j.jebo.2011.10.014.
• Kelly, Robert & McCarthy, Yvonne & McQuinn, Kieran, 2012, "Impairment and negative equity in the Irish mortgage market," Journal of Housing Economics, Elsevier, volume 21, issue 3, pages 256-268, DOI: 10.1016/j.jhe.2012.05.001.
• Keese, Matthias, 2012, "Who feels constrained by high debt burdens? Subjective vs. objective measures of household debt," Journal of Economic Psychology, Elsevier, volume 33, issue 1, pages 125-141, DOI: 10.1016/j.joep.2011.08.002.
• Shim, Soyeon & Serido, Joyce & Tang, Chuanyi, 2012, "The ant and the grasshopper revisited: The present psychological benefits of saving and future oriented financial behaviors," Journal of Economic Psychology, Elsevier, volume 33, issue 1, pages 155-165, DOI: 10.1016/j.joep.2011.08.005.
• Davies, Peter & Lundholm, Cecilia, 2012, "Students’ understanding of socio-economic phenomena: Conceptions about the free provision of goods and services," Journal of Economic Psychology, Elsevier, volume 33, issue 1, pages 79-89, DOI: 10.1016/j.joep.2011.08.003.
• Croson, David C. & Minniti, Maria, 2012, "Slipping the surly bonds: The value of autonomy in self-employment," Journal of Economic Psychology, Elsevier, volume 33, issue 2, pages 355-365, DOI: 10.1016/j.joep.2011.05.001.
• Garðarsdóttir, Ragna B. & Dittmar, Helga, 2012, "The relationship of materialism to debt and financial well-being: The case of Iceland’s perceived prosperity," Journal of Economic Psychology, Elsevier, volume 33, issue 3, pages 471-481, DOI: 10.1016/j.joep.2011.12.008.
• Ranyard, Rob & McHugh, Sandie, 2012, "Defusing the risk of borrowing: The psychology of payment protection insurance decisions," Journal of Economic Psychology, Elsevier, volume 33, issue 4, pages 738-748, DOI: 10.1016/j.joep.2012.02.002.
• Van de Venter, Gerhard & Michayluk, David & Davey, Geoff, 2012, "A longitudinal study of financial risk tolerance," Journal of Economic Psychology, Elsevier, volume 33, issue 4, pages 794-800, DOI: 10.1016/j.joep.2012.03.001.
• van Schie, Ron J.G. & Donkers, Bas & Dellaert, Benedict G.C., 2012, "Savings adequacy uncertainty: Driver or obstacle to increased pension contributions?," Journal of Economic Psychology, Elsevier, volume 33, issue 4, pages 882-896, DOI: 10.1016/j.joep.2012.04.004.
• Dezső, Linda & Loewenstein, George, 2012, "Lenders’ blind trust and borrowers’ blind spots: A descriptive investigation of personal loans," Journal of Economic Psychology, Elsevier, volume 33, issue 5, pages 996-1011, DOI: 10.1016/j.joep.2012.06.002.
• Steinorth, Petra, 2012, "The demand for enhanced annuities," Journal of Public Economics, Elsevier, volume 96, issue 11, pages 973-980, DOI: 10.1016/j.jpubeco.2012.07.007.
• Barasinska, Nataliya & Schäfer, Dorothea & Stephan, Andreas, 2012, "Individual risk attitudes and the composition of financial portfolios: Evidence from German household portfolios," The Quarterly Review of Economics and Finance, Elsevier, volume 52, issue 1, pages 1-14, DOI: 10.1016/j.qref.2011.10.001.
• Malapit, Hazel Jean L., 2012, "Why do spouses hide income?," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, volume 41, issue 5, pages 584-593, DOI: 10.1016/j.socec.2012.04.007.
• Altman, Morris, 2012, "Implications of behavioural economics for financial literacy and public policy," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, volume 41, issue 5, pages 677-690, DOI: 10.1016/j.socec.2012.06.002.
• Manturuk, Kim & Dorrance, Jessica & Riley, Sarah, 2012, "Factors affecting completion of a matched savings program: Impacts of time preference, discount rate, and financial hardship," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, volume 41, issue 6, pages 836-842, DOI: 10.1016/j.socec.2012.08.006.
• Scodellaro, Claire & Khlat, Myriam & Jusot, Florence, 2012, "Intergenerational financial transfers and health in a national sample from France," Social Science & Medicine, Elsevier, volume 75, issue 7, pages 1296-1302, DOI: 10.1016/j.socscimed.2012.04.042.
• Gharad Bryan & Dean Karlan & Jonathan Zinman, 2012, "You Can Pick Your Friends, But You Need to Watch Them: Loan Screening and Enforcement in a Referrals Field Experiment," Working Papers, Economic Growth Center, Yale University, number 1009, Jan.
• Onur SUNAL, 2012, "Finansal Ýyilik Hali Ölçeði (FÝHÖ): Geçerlik ve Güvenirlik Çalýþmasý," Ege Academic Review, Ege University Faculty of Economics and Administrative Sciences, volume 12, issue 2, pages 209-214.
• Bracke, Philippe & Hilber, Christian A. L. & Silva, Olmo, 2012, "Homeownerhip and entrepreneurship," LSE Research Online Documents on Economics, London School of Economics and Political Science, LSE Library, number 58436, Apr.
• Philipp-Bastian Brutscher, 2012, "Making Sense of Oil Stamp Saving Schemes," Working Papers, Energy Policy Research Group, Cambridge Judge Business School, University of Cambridge, number EPRG 1202, Jan.
• Philipp-Bastian Brutscher, 2012, "Self-disconnection among pre-payment customers: a behavioural analysis," Working Papers, Energy Policy Research Group, Cambridge Judge Business School, University of Cambridge, number EPRG 1207, Mar.
• Jim Campen, 2012, "Small-Dollar Lending: Is There A Responsible Path Forward?," CEPR Reports and Issue Briefs, Center for Economic and Policy Research (CEPR), number 2012-22, Aug.
• Christopher L. Foote & Kristopher Gerardi & Paul S. Willen, 2012, "Why did so many people make so many ex post bad decisions? the causes of the foreclosure crisis," FRB Atlanta Working Paper, Federal Reserve Bank of Atlanta, number 2012-07.
• Fumiko Hayashi & Joanna Stavins, 2012, "Effects of credit scores on consumer payment choice," Public Policy Discussion Paper, Federal Reserve Bank of Boston, number 12-1.
• Andreas Fuster & Paul S. Willen, 2012, "Payment size, negative equity, and mortgage default," Public Policy Discussion Paper, Federal Reserve Bank of Boston, number 12-10.
• Christopher L. Foote & Kristopher Gerardi & Paul S. Willen, 2012, "Why did so many people make so many ex post bad decisions?: the causes of the foreclosure crisis," Public Policy Discussion Paper, Federal Reserve Bank of Boston, number 12-2.
• Thomas A. Durkin & Gregory E. Elliehausen, 2012, "Consumers and debt protection products: results of a new consumer survey," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), volume 98, issue Dec, December, DOI: 10.17016/bulletin.2012.98-9.
• Mariacristina De Nardi & Eric French & John Bailey Jones, 2012, "Medicaid insurance in old age," Working Paper Series, Federal Reserve Bank of Chicago, number WP-2012-13.
• Fumiko Hayashi & Joanna Stavins, 2012, "Effects of credit scores on consumer payment choice," Research Working Paper, Federal Reserve Bank of Kansas City, number RWP 12-03.
• Xin Wang & Yi Wen, 2012, "Housing prices and the high Chinese saving rate puzzle," Working Papers, Federal Reserve Bank of St. Louis, number 2012-038, DOI: 10.20955/wp.2012.038.
• William Hardin & Sheng Guo, 2012, "Wealth, Composition, Housing, Income, and Consumption," Working Papers, Florida International University, Department of Economics, number 1201, Mar.
• Ekaterina V. Galishnikova, 2012, "Financial Behavior of the Population: Saving or Spending," Finansovyj žhurnal — Financial Journal, Financial Research Institute, Moscow 125375, Russia, issue 2, pages 133-140, April.
• Barbara Cavalletti & Corrado Lagazio & Daniela Vandone & Elena Lagomarsino, 2012, "The role of financial position on consumer indebted-ness. An empirical analysis in Italy," DEP - series of economic working papers, University of Genoa, Research Doctorate in Public Economics, number 8/2012, Sep.