Research classified by Journal of Economic Literature (JEL) codes

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Top JEL
/ D: Microeconomics
/ / D1: Household Behavior
/ / / D14: Household Saving; Personal Finance

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This topic is covered by the following reading lists:

1. SOEP based publications

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Most recent items first, undated at the end.

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2017 Tax arbitrage incentives for mortgage prepayment behavior: Evidence from Dutch micro data
by Stefan Groot & Arjan Lejour

2017 Financial consulting: A qualitative study on its role in financial decision making
by Sprenger, Julia

2017 Pay cash, buy less trash? – Evidence from German payment diary data
by Eschelbach, Martina

2017 Does Social Security crowd out Private Savings? The Case of Bismarck’s System of Social Insurance
by Lehmann-Hasemeyer, Sibylle & Streb, Jochen

2017 Consumer Loan Response to Permanent Labor Income Shocks: Evidence from a Major Minimum Wage Increase
by Guney, Ibrahim Ethem & Hacihasanoglu, Yavuz Selim & Tumen, Semih

2017 The financial support for long-term elderly care and household saving behaviour
by Ohinata, Asako & Picchio, Matteo

2017 Labour supply and informal care supply: The impacts of financial support for long-term elderly care
by Hollingsworth, Bruce & Ohinata, Asako & Picchio, Matteo & Walker, Ian

2017 Intra-household allocation of non-mandatory retirement savings
by Metzger, Christoph

2017 Wage dispersion and pension funds: Financialisation of non-financial corporations in the USA, 1966-2013
by Dögüs, Ilhan

2017 Financial Capacity: Do students know what they need to know?
by Ewa Mazurek-Krasodomska & Gabriela Golawska & Anna Rzeczycka

2017 Financial and insurance literacy in Poland
by Marcin Kawiński & Piotr Majewski

2017 Culture and Financial Literacy
by Brown, Martin & Henchoz, Caroline & Spycher, Thomas

2017 Born Under a Lucky Star: Financial Aid, College Completion, Labor Supply, and Credit Constraints
by Jeffrey T. Denning

2017 Linking risk aversion, time preference and fertilizer use in Burkina Faso
by Le Cotty, T. & Maître d’Hôtel, E. & Soubeyran, R. & Subervie, J.

2017 Immigrants and Savers: A Rich New Database on the Irish in 1850s New York
by Simone Wegge & Tyler Anbinder & Cormac Ó Gráda

2017 God insures those who pay?Formal insurance and religious offerings in Ghana
by Auriol, Emmanuelle & Lassebie, Julie & Panin, Amma & Raiber, Eva & Seabright, Paul

2017 Why do Poor People Co-hold Debt and Liquid Savings?
by Carolina Laureti

2017 Financial Hardship and Saving Behaviour: Bayesian Analysis of British Panel Data
by Sarah Brown & Pulak Ghosh & Bhuvanesh Pareek & Karl Taylor

2017 Does education improve financial outcomes? Quasi-experimental evidence from Britain
by Daniel Gray & Alberto Montagnoli & Mirko Moro

2017 Financial Literacy and Attitudes to Redistribution
by Alberto Montagnoli & Mirko Moro & Georgios A. Panos & Robert E. Wright

2017 Saving Behaviour and Biomarkers: A High-Dimensional Bayesian Analysis of British Panel Data
by Sarah Brown & Pulak Ghosh & Daniel Gray & Bhuvanesh Pareek & Jennifer Roberts

2017 Asymmetric Consumption Effects of Transitory Income Shocks
by Dimitris Christelis & Dimitris Georgarakos & Tullio Jappelli & Luigi Pistaferri & Maarten van Rooij

2017 Does Financial Education Impact Financial Literacy and Financial Behavior, and if so, When?
by Kaiser, Tim & Menkhoff, Lukas

2017 Measuring Applicant Quality to Detect Discrimination In Peer-to-Peer Lending
by Weizsäcker, Georg & Zankiewicz, Christian

2017 How Australians Pay: Evidence from the 2016 Consumer Payments Survey
by Mary-Alice Doyle & Chay Fisher & Ed Tellez & Anirudh Yadav

2017 Thailand's Household Debt through the Lens of Credit Bureau Data: Debt and Delinquency
by Sommarat Chantarat & Atchana Lamsam & Krislert Samphantharak & Bhumjai Tangsawasdirat

2017 Formal and informal household savings: how does trust in financial institutions influence the choice of saving instruments?
by Beckmann, Elisabeth & Mare, Davide Salvatore

2017 How Does Mortgage Debt Affect Household Consumption? Micro Evidence from China
by Fan, Ying & Yavas, Abdullah

2017 Precautionary Saving: a review of the theory and the evidence
by Lugilde, Alba & Bande, Roberto & Riveiro, Dolores

2017 The impact of economic factors on the change in the structure of Polish households expenditure – use of Markov chains
by Katarzyna Osiecka

2017 Do ‘Catch-up Limits’ Raise Retirement Saving? Evidence from a Regression Discontinuity Design
by Adam M. Lavecchia

2017 Behavioural economics and financial consumer protection
by Anne-Francoise Lefevre & Michael Chapman

2017 FinTech Adoption Across Generations: Financial Fitness in the Information Age
by Bruce Carlin & Arna Olafsson & Michaela Pagel

2017 Credit Growth and the Financial Crisis: A New Narrative
by Stefania Albanesi & Giacomo De Giorgi & Jaromir Nosal

2017 Social Security Claiming Decisions: Survey Evidence
by John B. Shoven & Sita Nataraj Slavov & David A. Wise

2017 Debt and Financial Vulnerability on the Verge of Retirement
by Annamaria Lusardi & Olivia S. Mitchell & Noemi Oggero

2017 Quicksand or Bedrock for Behavioral Economics? Assessing Foundational Empirical Questions
by Victor Stango & Joanne Yoong & Jonathan Zinman

2017 Paternalism and Pseudo-Rationality
by Itzik Fadlon & David Laibson

2017 Why Do Defaults Affect Behavior? Experimental Evidence from Afghanistan
by Joshua Blumenstock & Michael Callen & Tarek Ghani

2017 Targeted Debt Relief and the Origins of Financial Distress: Experimental Evidence from Distressed Credit Card Borrowers
by Will Dobbie & Jae Song

2017 Social Security and Saving: An Update
by Sita Slavov & Devon Gorry & Aspen Gorry & Frank N. Caliendo

2017 Myopia and Discounting
by Xavier Gabaix & David Laibson

2017 Banking on Trust: How Debit Cards Enable the Poor to Save More
by Pierre Bachas & Paul Gertler & Sean Higgins & Enrique Seira

2017 The Quest for Parsimony in Behavioral Economics: New Methods and Evidence on Three Fronts
by Victor Stango & Joanne Yoong & Jonathan Zinman

2017 Non-Cognitive Abilities and Financial Delinquency: The Role of Self-Efficacy in Avoiding Financial Distress
by Camelia M. Kuhnen & Brian T. Melzer

2017 The impact of inflation expectations on Polish consumers’ spending and saving
by Filip Premik & Ewa Stanisławska

2017 Angus Deaton, prix à la mémoire d'Alfred Nobel 2015 : un maître de l'économie appliquée
by François Gardes

2017 Individual Heterogeneity and Pension Choices: How to Communicate an Effective Message?
by Giovanni Gallo & Costanza Torricelli & Arthur van Soest

2017 Causes and Impacts of Remittances: Household Survey Evidence from Egypt
by Mohammad Reza Farzanegan & Sherif Maher Hassan & Ribal Abi Raad

2017 The Intergenerational Causal Effect of Tax Evasion: Evidence from the Commuter Tax Allowance in Austria
by Wolfgang Frimmel & Martin Halla & Joerg Paetzold

2017 Labour Supply and Informal Care Supply: The Impacts of Financial Support for Long-Term Elderly Care
by Hollingsworth, Bruce & Ohinata, Asako & Picchio, Matteo & Walker, Ian

2017 Does Reminding of Behavioural Biases Increase Returns from Financial Trading? A Field Experiment
by De Paola, Maria & Gioia, Francesca & Piluso, Fabio

2017 Financial Hardship and Saving Behaviour: Bayesian Analysis of British Panel Data
by Brown, Sarah & Ghosh, Pulak & Pareek, Bhuvanesh & Taylor, Karl

2017 Consumer Loan Response to Permanent Labor Income Shocks: Evidence from a Major Minimum Wage Increase
by Guney, Ibrahim Ethem & Hacihasanoglu, Yavuz Selim & Tumen, Semih

2017 Financial Literacy and Attitudes to Redistribution
by Montagnoli, Alberto & Moro, Mirko & Panos, Georgios A. & Wright, Robert E.

2017 Genetic Ability, Wealth, and Financial Decision-Making
by Barth, Daniel & Papageorge, Nicholas W. & Thom, Kevin

2017 The Intergenerational Causal Effect of Tax Evasion: Evidence from the Commuter Tax Allowance in Austria
by Frimmel, Wolfgang & Halla, Martin & Paetzold, Jörg

2017 Stock market participation in the aftermath of an accounting scandal
by Renuka Sane

2017 Monetary Policy According to HANK
by Greg Kaplan & Benjamin Moll & Giovanni L. Violante

2017 Keep Calm and Consume? Subjective Uncertainty and Precautionary Savings
by Barbara Broadway & John P. Haisken-DeNew

2017 Credit Growth and the Financial Crisis: A New Narrative
by Stefania Albanesi & Giacomo DeGiorgi & Jaromir Nosal

2017 Is Household Diversification Increasing in Wealth? Norwegian Evidence
by Odegaard, Bernt Arne

2017 How long do equity owners hang on to their stocks?
by Odegaard, Bernt Arne

2017 Financial Literacy Externalities
by Haliassos, Michael & Jansson, Thomas & Karabulut, Yigitcan

2017 What Do People 'Learn By Looking' at Direct Feedback on their Energy Consumption? Results of a Field Study in Southern France
by Adnane Kendel & Nathalie Lazaric & Kevin Maréchal

2017 Financial Literacy and Attitudes to Redistribution
by Alberto Montagnoli & Mirko Moro & Georgios A. Panos & Robert E. Wright

2017 Weather and income: effect on household saving and well-being in South Africa
by Helena Ting & Martina Bozzola & Timothy Swanson

2017 Household sector: income, consumer and labor markets
by Avraamova Elena & Loginov Dmitry & Grishina Elena & Florinskaya Yulia & Mkrtchian Nikita & Lyashok Viktor & Burdyak Alexandra & Maleva Tatiana & Poliakova Aleksandra

2017 Household Credit and Local Economic Uncertainty
by DiMaggio, Marco & Kermani, Amir & Ramcharan, Rodney & Yu, Edison

2017 Import competition and household debt
by Barrot, Jean-Noël & Loualiche, Erik & Plosser, Matthew & Sauvagnat, Julien

2017 Echoes of rising tuition in students’ borrowing, educational attainment, and homeownership in post-recession America
by Bleemer, Zachary & Brown, Meta & Lee, Donghoon & Strair, Katherine & Van der Klaauw, Wilbert

2017 Disaster (over-)insurance: the long-term financial and socioeconomic consequences of Hurricane Katrina
by Bleemer, Zachary & Van der Klaauw, Wilbert

2017 The Anatomy of Financial Vulnerabilities and Crises
by Seung Jung Lee & Kelly E. Posenau & Viktors Stebunovs

2017 Consumer Mistakes and Advertising : The Case of Mortgage Refinancing
by Grundl, Serafin J. & Kim, You Suk

2017 Borrowers in Search of Feedback : Evidence from Consumer Credit Markets
by Inessa Liskovich & Maya Shaton

2017 The Display of Information and Household Investment Behavior
by Maya Shaton

2017 Where Credit is Due : The Relationship between Family Background and Credit Health
by Sarena Goodman & Alice M. Henriques & Alvaro A. Mezza

2017 Minimum Wages and Consumer Credit : Impacts on Access to Credit and Traditional and High-Cost Borrowing
by Dettling, Lisa J. & Hsu, Joanne W.

2017 Credit Scores, Social Capital, and Stock Market Participation
by Jesse Bricker & Geng Li

2017 Payment discounts and surcharges: the role of consumer preferences
by Stavins, Joanna & Wu, Huijia

2017 Measuring consumer expenditures with payment diaries
by Schuh, Scott

2017 How do consumers make their payment choices?
by Stavins, Joanna

2017 Losing Public Health Insurance: TennCare Disenrollment and Personal Financial Distress
by Argys, Laura & Friedson, Andrew & Pitts, M. Melinda & Tello-Trillo, D. Sebastian

2017 Health Status as a Determinant for Pre-Retirement Savings
by Jana Votapkova & Pavlina Zilova

2017 Earnings volatility and 401(k) contributions
by Teresa Ghilarducci, Joelle Saad-Lessler, Gayle Reznik

2017 Risk aversion and wealth: evidence from person-to-person lending portfolios
by Daniel Paravisini & Veronica Rappoport & Enrichetta Ravina

2017 The financial fragility of Estonian households: Evidence from stress tests on the HFCS microdata
by Tairi Rõõm & Jaanika Meriküll

2017 Heterogeneity in house price dynamics
by Gabriele Galati & Federica Teppa

2017 Payments data: do consumers want to keep them in a safe or turn them into gold?
by Carin van der Cruijsen

2017 Asymmetric consumption effects of transitory income shocks
by Dimitris Christelis & Dimitris Georgarakos & Tullio Jappelli & Luigi Pistaferri & Maarten van Rooij

2017 To stay or go? Consumer bank switching behaviour after government interventions
by Maaike Diepstraten & Carin van der Cruijsen

2017 Does Financial Literacy Improve Financial Inclusion? Cross Country Evidence
by Antonia Grohmann & Theres Klühs & Lukas Menkhoff

2017 Household Economic Strengthening through Saving and Budgeting: Evidence from a Field Experiment in South Africa
by Janina Isabel Steinert & Lucie Dale Cluver & Franziska Meinck & Jenny Doubt & Sebastian Vollmer

2017 Household Debt and Monetary Policy: Revealing the Cash-Flow Channel
by Flodén, Martin & Kilström, Matilda & Sigurdsson, Josef & Vestman, Roine

2017 Credit Growth and the Financial Crisis: A New Narrative
by Albanesi, Stefania & De Giorgi, Giacomo & Nosal, Jaromir

2017 Why Do Defaults Affect Behavior? Experimental Evidence from Afghanistan
by Blumenstock, Joshua & Callen, Michael & Ghani, Tarek

2017 Financial Literacy Externalities
by Haliassos, Michael & Jansson, Thomas & Karabulut, Yigitcan

2017 Overpersistence Bias in Individual Income Expectations and its Aggregate Implications
by Rozsypal, Filip & Schlafmann, Kathrin

2017 Asymmetric Consumption Effects of Transitory Income Shocks
by Christelis, Dimitris & Georgarakos, Dimitris & Jappelli, Tullio & Pistaferri, Luigi & Van Rooij, Maarten

2017 Myopia and Discounting
by Gabaix, Xavier & Laibson, David

2017 Understanding the Determinants of Financial Outcomes and Choices: The Role of Noncognitive Abilities
by Parise, Gianpaolo & Peijnenburg, Kim

2017 Optimal Monetary Policy and Liquidity with Heterogeneous Households
by Bilbiie, Florin Ovidiu & Ragot, Xavier

2017 Does Reminding Of Behavioural Biases Increase Returns From Financial Trading? A Field Experiment
by Maria De Paola & Francesca Gioia & Fabio Piluso

2017 Household behaviour in times of political change: Evidence from Egypt
by Yvonne Giesing & Almedina Music

2017 Wealth Taxation, Non-listed Firms, and the Risk of Entrepreneurial Investment
by Dirk Schindler

2017 Portfolio Selection by Households: An Empirical Analysis Using Dynamic Panel Data Models
by Yuichiro Ito & Yasutaka Takizuka & Shigeaki Fujiwara

2017 Portfolio Selection by Japanese Households: Investigation Using Japanese and US Households Questionnaire Survey
by Yuichiro Ito & Yasutaka Takizuka & Shigeaki Fujiwara

2017 Accounting for debt service : The painful legacy of credit booms
by Drehmann, Mathias & Juselius, Mikael & Korinek, Anton

2017 The effect of house prices on household borrowing: a new approach
by Cloyne, James & Huber, Kilian & Ilzetzki, Ethan & Kleven, Henrik

2017 Accounting for debt service: the painful legacy of credit booms
by Mathias Drehmann & Mikael Juselius & Anton Korinek

2017 Understanding the determinants of financial outcomes and choices: the role of noncognitive abilities
by Gianpaolo Parise & Kim Peijnenburg

2017 Social ties and the demand for financial services
by Eleonora Patacchini & Edoardo Rainone

2017 Informal loans, liquidity constraints and local credit supply: evidence from Italy
by Michele Benvenuti & Luca Casolaro & Emanuele Ciani

2017 From few to many: product differentiation in the Italian mortgage market
by Silvia Del Prete & Cristina Demma & Paola Rossi

2017 Household debt burden and financial vulnerability in Luxembourg
by Gaston Giordana & Michael Ziegelmeyer

2017 The Luxembourg Household Finance and Consumption Survey: Results from the 2nd wave
by Anastasia Girshina & Thomas Y. Mathä & Michael Ziegelmeyer

2017 Adoption Costs of Financial Innovation: Evidence from Italian ATM Cards
by Kim Huynh & Philipp Schmidt-Dengler & Gregor W. Smith & Angelika Welte

2017 Does Financial Education Matter? Education Literacy among Undergraduates in Malaysia
by Siew-Yong Yew & Chen-Chen Yong & Kee-Cheok Cheong & Nai-Peng Tey

2017 Consumption habits and humps
by Holger Kraft & Claus Munk & Frank Thomas Seifried & Sebastian Wagner

2017 Affective reactions influence investment decisions: evidence from a laboratory experiment with taxation
by Martin Fochmann & Johannes Hewig & Dirk Kiesewetter & Katharina Schüßler

2017 Do individual investors learn from their mistakes?
by Maximilian Koestner & Benjamin Loos & Steffen Meyer & Andreas Hackethal

2017 Towards more sustainable debt attitudes and behaviors: the importance of basic economic skills
by Michael Goedde-Menke & Carsten Erner & Michael Oberste

2017 Financial literacy, financial advice, and financial behavior
by Oscar A. Stolper & Andreas Walter

2017 Determinants of Private Saving Level: Evidence from Turkey
by Mevlüt TATLIYER

2017 Default and naive diversification heuristics in annuity choice
by Hazel Bateman & Christine Eckert & Fedor Iskhakov & Jordan Louviere & Stephen Satchell & Susan Thorp

2017 Enterprise Potential, Entrepreneurial Intentions and Envy
by Edit Terek & Milan Nikolić & Dragan Ćoćkalo & Sanja Božić & Aleksandra Nastasić

2017 Causality Illusion and Overconfidence in Predicting (Quasi)Stochastic Financial Events
by Petr Houdek & Petr Koblovský & Jan Plaček & Luboš Smrčka

2017 The Impact of Changes in the Socio-Economic Environment on Financial Literacy. Comparison of the OECD 2010 and 2015 Research Results
by Boglárka Zsótér & Erzsébet Németh & Alexandra Luksander

2017 The Role of the Second and Third Pension Pillar in the Hungarian Pension System
by Anett Pandurics & Péter Szalai

2017 Does Aggregated Returns Disclosure Increase Portfolio Risk Taking?
by John Beshears & James J. Choi & David Laibson & Brigitte C. Madrian

2017 How Does Risk Management Influence Production Decisions? Evidence from a Field Experiment
by Shawn Cole & Xavier Giné & James Vickery

2017 Abusing ETFs
by Utpal Bhattacharya & Benjamin Loos & Steffen Meyer & Andreas Hackethal

2017 The Impact of Financial Advice on Trade Performance and Behavioral Biases
by Daniel Hoechle & Stefan Ruenzi & Nic Schaub & Markus Schmid

2017 Do Financial Advisors Provide Tangible Benefits for Investors? Evidence from Tax-Motivated Mutual Fund Flows
by Gjergji Cici & Alexander Kempf & Christoph Sorhage

2017 Expectations-Based Reference-Dependent Life-Cycle Consumption
by Michaela Pagel

2017 The resilience of households in bank bail-ins
by Peter Lindner & Vanessa Redak

2017 Simulating the impact of borrower-based macroprudential policies on mortgages and the real estate sector in Austria – evidence from the Household Finance and Consumption Survey 2014
by Nicolas Albacete & Peter Lindner

2017 Obesity and Household Financial Distress
by Guthrie, Katherine & Sokolowsky, Jan

2017 Household wealth in Poland: the results of a new survey of household finance
by Kacper Grejcz & Zbigniew Żółkiewski

2017 The impact of consumer behavior on financial security of households in Poland
by Maria Piotrowska

2017 Experiences of the National Deposit Insurance Fund on the Age Composition of Depositors and on the Distribution of Deposit Amounts
by Katalin Csaba-Kalló & Balázs Vajai

2017 Consumer Bankruptcy Pathologies
by Edward R. Morrison & Antoine Uettwiller

2017 Endogenous Financial Literacy, Saving, and Stock Market Participation
by Luca Spataro & Lorenzo Corsini

2017 For whom does social comparison induce risk-taking?
by Oege Dijk

2017 The valuation “by-tranche” of composite investment instruments
by Doron Sonsino & Mosi Rosenboim & Tal Shavit

2017 The impact of sex ratios before marriage on household saving in two Asian countries: The competitive saving motive revisited
by Charles Yuji Horioka & Akiko Terada-Hagiwara

2017 Social Ties and the Demand for Financial Services
by Eleonora Patacchini & Edoardo Rainone

2017 Banking Products: You Can Take Them with You, So Why Don’t You?
by Carin Cruijsen & Maaike Diepstraten

2017 Inheritances and Bequest Planning: Evidence from the Survey of Consumer Finances
by Dale R. DeBoer & Edward C. Hoang

2017 Factors Affecting Credit Card Debt Payment in Malaysia
by Fen Nee Chong

2017 Household Debt and the Great Recession
by Garriga, Carlos & Noeth, Bryan J. & Schlagenhauf, Don E.

2017 “Family Achievements?”: How a College Degree Accumulates Wealth for Whites and Not For Blacks
by Meschede, Tatjana & Taylor, Joanna & Mann, Alexis & Shapiro, Thomas M.

2017 Religious activity, risk-taking preferences and financial behaviour: Empirical evidence from German survey data
by León, Anja Köbrich & Pfeifer, Christian

2017 Do personality traits influence investors’ portfolios?
by Bucciol, Alessandro & Zarri, Luca

2017 The market sensitivity of retirement and defined contribution pensions: Evidence from the public sector
by Gustafson, Matthew T.

2017 Housing choices and labor income risk
by Jansson, Thomas

2017 Awareness of low self-control: Theory and evidence from a homeless shelter
by Incekara-Hafalir, Elif & Linardi, Sera

2017 Dispositional optimism and stock investments
by Angelini, Viola & Cavapozzi, Danilo

2017 Exponential-growth bias and overconfidence
by Levy, Matthew R. & Tasoff, Joshua

2017 Accounting for the bias against the life-cycle hypothesis in survey data: An example for Russia
by Bussolo, Maurizio & Schotte, Simone & Matytsin, Mikhail

2017 Housing equity dynamics and home improvements
by Bian, Xun

2017 Legacies of homeownership: Housing wealth and bequests
by Begley, Jaclene

2017 Socioeconomic status and learning from financial information
by Kuhnen, Camelia M. & Miu, Andrei C.

2017 WSJ Category Kings – The impact of media attention on consumer and mutual fund investment decisions
by Kaniel, Ron & Parham, Robert

2017 Systematic mistakes in the mortgage market and lack of financial sophistication
by Agarwal, Sumit & Ben-David, Itzhak & Yao, Vincent

2017 From personalized exchange towards anonymous trade: A field experiment on the workings of the invisible hand
by Bulte, Erwin & Kontoleon, Andreas & List, John & Turley, Ty & Voors, Maarten

2017 Reverse mortgages: What homeowners (don’t) know and how it matters
by Davidoff, Thomas & Gerhard, Patrick & Post, Thomas

2017 Misled and mis-sold: financial misbehaviour in retail banks?
by Sane, Renuka & Halan, Monika

2017 Financial literacy among Mexican high school teenagers
by Arceo-Gómez, Eva O. & Villagómez, F. Alejandro

2017 Optimal consumption, investment and housing with means-tested public pension in retirement
by Andréasson, Johan G. & Shevchenko, Pavel V. & Novikov, Alex

2017 The effects of age pension on retirement drawdown choices
by Wiafe, Osei K. & Basu, Anup K. & Chen, John

2017 Return expectations and risk aversion heterogeneity in household portfolios
by Bucciol, Alessandro & Miniaci, Raffaele & Pastorello, Sergio

2017 Measurement of diversification between asset classes in the Survey of Consumer Finances
by Shin, Su Hyun & Seay, Martin C. & Kim, Kyong Tae

2017 How does gender really affect investment behavior?
by Marinelli, Nicoletta & Mazzoli, Camilla & Palmucci, Fabrizio

2017 Be patient when measuring hyperbolic discounting: Stationarity, time consistency and time invariance in a field experiment
by Janssens, Wendy & Kramer, Berber & Swart, Lisette

2017 Do disaster experience and knowledge affect insurance take-up decisions?
by Cai, Jing & Song, Changcheng

2017 Rationality of longevity expectations: Evidence from the Korean Longitudinal Study of Aging
by Pak, Tae-Young & Choung, Youngjoo

2017 Rationality of longevity expectations: Evidence from the Korean Longitudinal Study of Aging
by Pak, Tae-Young & Choung, Youngjoo

2017 About depression babies and red diaper babies: Do macroeconomic experiences affect everybody’s risk taking in the same way?
by Cordes, Henning & Dierkes, Maik

2017 About depression babies and red diaper babies: Do macroeconomic experiences affect everybody’s risk taking in the same way?
by Cordes, Henning & Dierkes, Maik

2017 Determinants of the conditional probability that a household has informal loans given liquidity constraints regarding access to credit banking channels
by Zanin, Luca

2017 Determinants of the conditional probability that a household has informal loans given liquidity constraints regarding access to credit banking channels
by Zanin, Luca

2017 Retirement Preparedness in Saudi Arabia
by Alassane Diaw

2017 Das Erbvolumen in Deutschland dürfte um gut ein Viertel größer sein als bisher angenommen
by Anita Tiefensee & Markus M. Grabka

2017 Schlechte Evaluierung rentiert sich kaum: Lehren aus dem Bereich der finanziellen Bildung
by Tim Kaiser & Lukas Menkhoff

2017 Possibilities of use of the noble metals market in the life insurance
by Lukasz Jasinski

2017 Imperfect Credit Markets and Crime
by Baumann Florian & Friehe Tim

2017 Household Finance after a Natural Disaster: The Case of Hurricane Katrina
by Justin Gallagher & Daniel Hartley

2017 The Vulnerability of Minority Homeowners in the Housing Boom and Bust: Corrigendum
by Patrick Bayer & Fernando Ferreira & Stephen L. Ross

2017 Are Information Disclosures Effective? Evidence from the Credit Card Market
by Enrique Seira & Alan Elizondo & Eduardo Laguna-Müggenburg

2017 The Interest Rate Elasticity of Mortgage Demand: Evidence from Bunching at the Conforming Loan Limit
by Anthony A. DeFusco & Andrew Paciorek

2017 Moving to a Job: The Role of Home Equity, Debt, and Access to Credit
by Yuliya Demyanyk & Dmytro Hryshko & María Jose Luengo-Prado & Bent E. Sørensen

2017 Some Lasting Effects of Undergraduate Economics on Retirement Planning
by William Bosshardt & William B. Walstad

2017 How Children with Mental Disabilities Affect Household Investment Decisions
by Vicki L. Bogan & Jose M. Fernandez

2017 Retirement Contribution Rate Nudges and Plan Participation: Evidence from a Field Experiment
by Jacob Goldin & Tatiana Homonoff & Will Tucker-Ray

2017 Tying the Double-Knot: The Role of Assets in Marriage Commitment
by Jeanne Lafortune & Corinne Low

2017 Borrowing on the Wrong Credit Card? Evidence from Mexico
by Alejandro Ponce & Enrique Seira & Guillermo Zamarripa

2017 The Social Cost of Near-Rational Investment
by Tarek A. Hassan & Thomas M. Mertens

2017 Modeling the Revolving Revolution: The Debt Collection Channel
by Lukasz A. Drozd & Ricardo Serrano-Padial

2016 Negative Home Equity and Household Mobility: Evidence from Administrative Data
by Sander van Veldhuizen & Benedikt Vogt & Bart Voogt

2016 Relationship Banking in the Residential Mortgage Market? Evidence from Switzerland
by Martin Brown & Matthias Hoffmann

2016 Do savings increase in response to salient information about retirement and expected pensions?
by Dolls, Mathias & Doerrenberg, Philipp & Peichl, Andreas & Stichnoth, Holger

2016 The demand for index-based flood insurance in a high-income country
by Achtnicht, Martin & Osberghaus, Daniel

2016 Commitment and Borrower Heterogeneity: Evidence from Revolving Consumer Credit
by Lukas, Moritz & Nöth, Markus

2016 Cultural Determinants of Household Saving Behavior
by Paule-Paludkiewicz, Hannah & Fuchs-Schündeln, Nicola & Masella, Paolo

2016 Risk-type and preference-based selection and stability of funeral insurance associations in Thailand
by Zenker, Juliane & Herrmann, Tabea

2016 Mental Accounting, Access Motives, and Overinsurance
by Fels, Markus

2016 Economic systems and risk preferences: evidence from East and West Germany
by Neugart, Michael

2016 The effect of personal financing disruptions on entrepreneurship
by Hanspal, Tobin

2016 Does feedback on personal investment success help?
by Meyer, Steffen & Urban, Linda & Ahlswede, Sophie

2016 Putting the pension back in 401(k) plans: Optimal versus default longevity income annuities
by Horneff, Vanya & Maurer, Raimond & Mitchell, Olivia S.

2016 Predictors and portfolios over the life cycle
by Kraft, Holger & Munk, Claus & Weiss, Farina

2016 Financialisation and work: New transdisciplinary insights from micro-level survey data
by Betzelt, Sigrid & Santos, Ana C. & Lopes, Cláudia A.

2016 The modern tontine: An innovative instrument for longevity risk management in an aging society
by Weinert, Jan-Hendrik & Gründl, Helmut

2016 Intra-household allocation of non-mandatory retirement savings
by Metzger, Christoph

2016 Intergenerational transfers and wealth in the Euro-area: The relevance of inheritances and gifts in absolute and relative terms
by Tiefensee, Anita & Westermeier, Christian

2016 Die Relevanz von Replikationen in der experimentellen Steuerforschung: Eine Replikationsstudie zu Wahrnehmungsverzerrungen bei Subventionen
by Renz, André

2016 Mjerenje financijske pismenosti studenata Sveučilišta u Zagrebu
by Mihovil Anđelinović & Ana Pavković & Domagoj Mišević

2016 Closing Down the Shop: Optimal Health and Wealth Dynamics near the End of Life
by Hugonnier, J. & Pelgrin, F. & St-Amour, P.

2016 Does Saving Education Received From Parents Make Adults More Future-Oriented?
by Alessandro Bucciol & Luca Zarri

2016 Liquidity Constraints, Wealth Transfers and Home Ownership
by Blickle, Kristian & Brown, Martin

2016 Immigration, Real Estate Prices and the Consumption Decisions of Native Households
by Adams, Zeno & Blickle, Kristian

2016 Thinking of incentivizing care? The effect of demand subsidies on informal caregiving and intergenerational transfers
by Joan Costa-Font & Sergi Jiménez-Martín & Cristina Vilaplana-Prieto

2016 Encuesta Financiera de los Hogares Uruguayos (EFHU-2): Resultados relativos a hogares con negocios
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2016 Encuesta Financiera de los Hogares Uruguayos (EFHU-2): Descripción y Resultados
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2016 Microcredit Contracts, Risk Diversification and Loan Take-Up
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2016 Financial literacy and attitudes to redistribution
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2016 MPC heterogeneity and household balance sheets
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2016 The Price of Deposit Liquidity: Banks versus Microfinance Institutions
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2016 Portfolio Allocation, Income Uncertainty and Households' Flight from Risk
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2016 A study into UK Financial Planners opinions on risk tolerance and risk perception
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2016 Household Savings In Turkey: Evidence From Microdata
by Egemen ?pek & Ozlem Sekmen

2016 Public Health Insurance and Household Portfolio Choices: Unraveling Financial “Side Effects” of Medicare
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2016 Till Mortgage Do Us Part: Refinancing Costs and Mortgage Shopping
by Marianna Brunetti & Rocco Ciciretti & Ljubica Djordjevic

2016 Child Health, Human Capital and Adult Financial Behavior
by Luik, Marc-André

2016 Child Health, Human Capital and Adult Financial Behavior
by Luik, Marc-André

2016 What’s In It for Me? Profiling Opportunity Seeking Customers in Malaysian Islamic Banking
by Seck, Ousmane & Ismail, Abdul Ghafar

2016 Gamblers, scratchers and their financial education
by Becchetti, Leonardo & Bellucci, Davide & Rossetti, Fiammetta

2016 The Impact of Sex Ratios before Marriage on Household Saving in Two Asian Countries: The Competitive Saving Motive Revisited
by Horioka, Charles Yuji & Terada-Hagiwara, Akiko

2016 Reforming student financial aid – estimates from a structural model
by Karhunen, Hannu & Määttänen, Niku & Uusitalo, Roope

2016 Acceso a servicios financieros de los hogares en el Perú
by Alfageme, Augusta & Ramírez-Rondán, Nelson

2016 Improved Wealth Measures in the Health and Retirement Study: Asset Reconciliation and Cross-Wave Imputation
by Hurd, Michael D. & Meijer, Erik & Moldoff, Michael B. & Rohwedder, Susann

2016 Welfare Impacts of Index Insurance in the Presence of a Poverty Trap
by Sommarat Chantarat & Andrew Mude & Christopher Barrett & Calum Turvey

2016 Bad Credit, No Problem? Credit and Labor Market Consequences of Bad Credit Reports
by Will Dobbie & Paul Goldsmith-Pinkham & Neale Mahoney & Jae Song

2016 Debt Relief or Debt Restructuring? Evidence from an Experiment with Distressed Credit Card Borrowers
by Will Dobbie & Jae Song

2016 A review of the global financial crisis and its effects on U.S. working class households - a tale of vulnerability and neglect
by De Koning, Kees

2016 Readiness to retirement planning of estate sector employees in Sri Lanka
by Heenkenda, Shirantha

2016 Consumption Smoothing and Borrowing Constraints: Evidence from Household Surveys of Iran
by Einian, Majid & Nili, Masoud

2016 Precautionary saving in Spain during the Great Recession: evidence from a panel of uncertainty indicators
by Lugilde, Alba & Bande, Roberto & Riveiro, Dolores

2016 The Agricultural Origins of Time Preference
by Galor, Oded & Özak, Ömer

2016 Household debt in OECD countries: Stylised facts and policy issues
by Christophe André

2016 Financial Education Policies in Asia and the Pacific
by Flore-Anne Messy & Chiara Monticone

2016 Complex Decision Making: The Roles of Cognitive Limitations, Cognitive Decline and Ageing
by Michael P. Keane & Susan Thorp

2016 Misled and Mis-sold: Financial Misbehaviour in Retail Banks?
by Halan, Monika & Sane, Renuka

2016 The Historical Evolution of the Wealth Distribution: A Quantitative-Theoretic Investigation
by Joachim Hubmer & Per Krusell & Anthony A. Smith, Jr.

2016 Cross-Sectional Patterns of Mortgage Debt during the Housing Boom: Evidence and Implications
by Christopher L. Foote & Lara Loewenstein & Paul S. Willen

2016 The Hidden Resources of Women Working Longer: Evidence from Linked Survey-Administrative Data
by C. Adam Bee & Joshua Mitchell

2016 Locked in by Leverage: Job Search during the Housing Crisis
by Jennifer Brown & David A. Matsa

2016 Portfolio Choices, Firm Shocks and Uninsurable Wage Risk
by Andreas Fagereng & Luigi Guiso & Luigi Pistaferri

2016 Accelerator or Brake? Cash for Clunkers, Household Liquidity, and Aggregate Demand
by Daniel Green & Brian T. Melzer & Jonathan A. Parker & Arcenis Rojas

2016 Leaving Big Money on the Table: Arbitrage Opportunities in Delaying Social Security
by Gila Bronshtein & Jason Scott & John B. Shoven & Sita N. Slavov

2016 The Impact of Consumer Credit Access on Employment, Earnings and Entrepreneurship
by Kyle Herkenhoff & Gordon Phillips & Ethan Cohen-Cole

2016 Heterogeneity and Persistence in Returns to Wealth
by Andreas Fagereng & Luigi Guiso & Davide Malacrino & Luigi Pistaferri

2016 Minimum Payments and Debt Paydown in Consumer Credit Cards
by Benjamin J. Keys & Jialan Wang

2016 Late-in-Life Risks and the Under-Insurance Puzzle
by John Ameriks & Joseph Briggs & Andrew Caplin & Matthew D. Shapiro & Christopher Tonetti

2016 Putting the Pension Back in 401(k) Plans: Optimal versus Default Longevity Income Annuities
by Vanya Horneff & Raimond Maurer & Olivia S. Mitchell

2016 Do Savings Increase in Response to Salient Information about Retirement and Expected Pensions?
by Mathias Dolls & Philipp Doerrenberg & Andreas Peichl & Holger Stichnoth

2016 The Persistent Power of Behavioral Change: Long-Run Impacts of Temporary Savings Subsidies for the Poor
by Simone Schaner

2016 The Marginal Propensity to Consume Over the Business Cycle
by Tal Gross & Matthew J. Notowidigdo & Jialan Wang

2016 Family Descent as a Signal of Managerial Quality: Evidence from Mutual Funds
by Oleg Chuprinin & Denis Sosyura

2016 Life-Cycle Consumption Patterns at Older Ages in the US and the UK: Can Medical Expenditures Explain the Difference?
by James Banks & Richard Blundell & Peter Levell & James P. Smith

2016 Banking the Unbanked? Evidence From Three Countries
by Pascaline Dupas & Dean Karlan & Jonathan Robinson & Diego Ubfal

2016 Time Discounting and Economic Decision-making Among the Elderly
by David Huffman & Raimond Maurer & Olivia S. Mitchell

2016 The Labor Market Effects of Credit Market Information
by Marieke Bos & Emily Breza & Andres Liberman

2016 The Impact of Pre-marital Sex Ratios on Household Saving in Two Asian Countries: The Competitive Saving Motive Revisited
by Charles Yuji Horioka & Akiko Terada-Hagiwara

2016 Do Disaster Experience and Knowledge Affect Insurance Take-up Decisions?
by Jing Cai & Changcheng Song

2016 Household Risk Management
by Adriano A. Rampini & S. Viswanathan

2016 The Economic Consequences of Hospital Admissions
by Carlos Dobkin & Amy Finkelstein & Raymond Kluender & Matthew J. Notowidigdo

2016 Social Networks and Housing Markets
by Michael Bailey & Ruiqing Cao & Theresa Kuchler & Johannes Stroebel

2016 International Comparative Household Finance
by Cristian Badarinza & John Y. Campbell & Tarun Ramadorai

2016 The Market for Financial Adviser Misconduct
by Mark Egan & Gregor Matvos & Amit Seru

2016 The Implications of Richer Earnings Dynamics for Consumption and Wealth
by Mariacristina De Nardi & Giulio Fella & Gonzalo Paz Pardo

2016 Simplifying Choices in Defined Contribution Retirement Plan Design
by Donald B. Keim & Olivia S. Mitchell

2016 Unemployment risk and over-indebtedness : A micro-econometric perspective
by Philip Du Caju & François Rycx & Ilan Tojerow

2016 Individual heterogeneity and pension choices: How to communicate an effective message?
by Giovanni Gallo & Costanza Torricelli & Arthur van Soest

2016 Individual heterogeneity and pension choices: How to communicate an effective message?
by Giovanni Gallo & Costanza Torricelli & Arthur van Soest

2016 The impact of a rural microcredit scheme targeting women on household vulnerability and empowerment: evidence from South West Nigeria
by Damilola Olajide & Divine Ikenwilo & Kehinde Omotosho & Ngozi Ibeji & Olufemi Obembe

2016 Measuring and profiling financial literacy in South Africa
by Elizabeth Lwanga Nanziri & Murray Leibbrandt

2016 Money Illusion and Household Finance
by Thomas A. Stephens & Jean-Robert Tyran

2016 Does Homeownership Promote Wealth Accumulation?
by Leo Kaas & Georgi Kocharkov & Edgar Preugschat

2016 Determinants of borrowers' default in P2P lending under consideration of the loan risk class
by Michal Polena & Tobias Regner

2016 Are Consumers Planning Consumption According to an Euler Equation?
by Lena Dräger

2016 The Great Recession and Life Satisfaction: The Unique Decline for Americans Approaching Retirement Age
by Ifcher, John & Zarghamee, Homa & Cabacungan, Amanda

2016 Portfolio Allocation, Income Uncertainty and Households' Flight from Risk
by Brown, Sarah & Gray, Daniel & Harris, Mark N. & Spencer, Christopher

2016 Locus of Control and Investment in Risky Assets
by Salamanca, Nicolas & de Grip, Andries & Fouarge, Didier & Montizaan, Raymond

2016 Financial Literacy and Political Orientation in Great Britain
by Montagnoli, Alberto & Moro, Mirko & Panos, Georgios A. & Wright, Robert E.

2016 Return Plans and Migrants' Behavior
by Chabé-Ferret, Bastien & Machado, Joel & Wahba, Jackline

2016 On the diversity of assets holdings in the United States in 2007 and 2009
by SIERMINSKA Eva & SILBER Jacques

2016 From participation to repurchase: Low income households and micro-insurance
by Renuka Sane & Susan Thomas

2016 The Distribution of Household Savings in Germany
by Jochen Späth & Kai Daniel Schmid

2016 Life-cycle consumption patterns at older ages in the US and the UK: can medical expenditures explain the difference?
by James Banks & Richard Blundell & Peter Levell & James Smith

2016 Housing equity, saving and debt dynamics over the Great Recession
by William Elming & Andreas Ermler

2016 Formal Saving in Developing Economies: Barriers, Interventions, and Effects
by Sonia Di Giannatale & María José Roa

2016 The Effect of Non-contributory Pensions on Saving in Mexico
by Jorge Alonso & Catalina Amuedo-Dorantes & Laura Juárez

2016 The Distribution of Household Savongs in Germany
by Jochen Späth & Kai Daniel Schmid

2016 Does Biological Endowment Matter for Demand for Financial Services? Evidence from Russian Household Survey
by Irina Andrievskaya & Maria Semenova

2016 Age Dependent Discount Rates, Time Inconsistent Behavior and Welfare Measurement
by Sjögren, Tomas

2016 Economic Scarcity and Consumers’ Credit Choice
by Bos, Marieke & Le Coq, Chloé & van Santen, Peter

2016 Fed Liftoff and Subprime Loan Interest Rates: Evidence from the Peer-to-Peer Lending Market
by Bertsch, Christoph & Hull, Isaiah & Zhang, Xin

2016 Saving and Bequest in China: An Analysis of Intergenerational Exchange
by Almås, Ingvild & Freddi, Eleonora & Thøgersen, Øystein

2016 No. 2015/2 :Learning to Take Risks? The Effects of Education on Risk-Taking in Finacial Markets
by E. Black, Sandra & J. Devereux, Paul & Lundborg, Etter & Majlesi, Kaveh

2016 The Effect of Unexpected Inheritances on Wealth Accumulation: Precautionary Savings or Liquidity Constraints?
by Martinello, Alessandro

2016 Relationships between bank customers’ risk attitudes and their balance sheets
by Hermansson, Cecilia

2016 Relationships between bank customers’ risk attitudes and their balance sheets
by Hermansson, Cecilia

2016 Are Consumers Planning Consumption According to an Euler Equation?
by Lena Dräger

2016 The impact of major life events on Australian household financial decision-making and portfolio rebalancing
by Tracey West & Andrew C Worthington

2016 Risk-type and preference-based selection and stability of funeral insurance associations in Thailand
by Tabea Herrmann & Juliane Zenker

2016 Financial Literacy and Political Orientation in Great Britain
by Alberto Montagnoli & Mirko Moro & Georgios A. Panos & Robert E. Wright

2016 The Design of Optimal Collateralized Contracts
by Dan Cao & Roger Lagunoff

2016 Identity Theft As A Teachable Moment
by Blascak, Nathan & Cheney, Julia S. & Hunt, Robert M. & Mikhed, Vyacheslav & Ritter, Dubravka & Vogan, Michael

2016 The Consequences of Gentrification: A Focus on Residents’ Financial Health in Philadelphia
by Ding, Lei & Hwang, Jackelyn

2016 The dynamics of subprime adjustable-rate mortgage default: a structural estimation
by Fang, Hanming & Kim, You Suk & Li, Wenli

2016 The Secured Credit Card Market
by Santucci, Lawrence

2016 Future Potential versus Past Performance: MPOWER Financing’s Innovation in Student Loan Underwriting
by Herbst-Murphy, Susan

2016 What Happened to the Revolving Credit Card Balances of 2009?
by Santucci, Lawrence

2016 Bad credit, no problem? Credit and labor market consequences of bad credit reports
by Dobbie, Will & Goldsmith-Pinkham, Paul & Mahoney, Neale & Song, Jae

2016 Tracking and stress-testing U.S. household leverage
by Fuster, Andreas & Guttman-Kenney, Benedict & Haughwout, Andrew F.

2016 The Effects of Mortgage Credit Availability : Evidence from Minimum Credit Score Lending Rules
by Steven Laufer & Andrew D. Paciorek

2016 For Better and for Worse? Effects of Access to High-Cost Consumer Credit
by Christine L. Dobridge

2016 Do Rising Top Incomes Lead to Increased Borrowing in the Rest of the Distribution?
by Jeffrey P. Thompson

2016 Student Loans and Homeownership
by Mezza, Alvaro A. & Ringo, Daniel R. & Sherlund, Shane M. & Sommer, Kamila

2016 Intergenerational Linkages in Household Credit
by Ghent, Andra C. & Kudlyak, Marianna

2016 Does Greater Inequality Lead to More Household Borrowing? New Evidence from Household Data
by Coibion, Olivier & Gorodnichenko, Yuriy & Kudlyak, Marianna & Mondragon, John

2016 Partially Disaggregated Household-level Debt Service Ratios: Construction and Validation
by Elvery, Joel & Schweitzer, Mark E.

2016 The credit card debt puzzle: the role of preferences, credit risk, and financial literacy
by Gorbachev, Olga & Luengo-Prado, Maria Jose

2016 The effect of demographics on payment behavior: panel data with sample selection
by Stavins, Joanna

2016 Cross-sectional patterns of mortgage debt during the housing boom: evidence and implications
by Foote, Christopher L. & Loewenstein, Lara & Willen, Paul S.

2016 The 2014 survey of consumer payment choice: technical appendix
by Angrisani, Marco & Foster, Kevin & Hitczenko, Marcin

2016 The 2014 survey of consumer payment choice: summary results
by Greene, Claire & Schuh, Scott & Stavins, Joanna

2016 Did the Target data breach change consumer assessments of payment card security?
by Greene, Claire & Stavins, Joanna

2016 Killer Debt: The Impact of Debt on Mortality
by Argys, Laura & Friedson, Andrew & Pitts, M. Melinda

2016 FESSUD Finance and Well-being Survey; Report
by Ana C. Santos & Claudia Lopes & Vânia Costa

2016 Access to Short-term Credit and Consumption Smoothing within the Paycycle
by Mary Zaki

2016 Super behaviour: a note on young Australian adults’ engagement with their superannuation accounts
by Malcolm Anderson & Martin Clark & Ian Ramsay & Chander Shekhar

2016 University differences in the graduation minorities in STEM fields: evidence from California
by Peter Arcidiacono & Esteban M. Aucejo & V. Joseph Hotz

2016 Banking the Unbanked? Evidence from Three Countries
by Dean Karlan & Pascaline Dupas & Jonathan Robinson & Diego Ubfal

2016 What are the triggers for arrears on debt? Evidence from quarterly panel data
by Merike Kukk

2016 Debt repayment problems: what are the implications for consumption?
by Merike Kukk

2016 Late-in-Life Risks and the Under-Insurance Puzzle
by Ameriks, John & Briggs, Joseph & Caplin, Andrew & Shapiro, Matthew D. & Tonetti, Christopher

2016 Systematic Mistakes in the Mortgage Market and Lack of FInancial Sophistication
by Agarwal, Sumit & Ben-David, Itzhak & Yao, Vincent W.

2016 Will helicopter money be spent? New evidence
by Maarten van Rooij & Jakob de Haan

2016 Pension profile preferences: the influence of trust and expected expenses
by Carin van der Cruijsen & Nicole Jonker

2016 Payment behaviour: the role of socio-psychological factors
by Carin van der Cruijsen & Frank van der Horst

2016 Consumption uncertainty and precautionary saving
by Dimitris Christelis & Dimitris Georgarakos & Tullio Jappelli & Maarten van Rooij

2016 Financial Literacy: Thai Middle Class Women Do Not Lag behind
by Antonia Grohmann & Olaf Hübler & Roy Kouwenberg & Lukas Menkhoff

2016 Does Financial Education Impact Financial Literacy and Financial Behavior, and if So, When?
by Tim Kaiser & Lukas Menkhoff

2016 How Does Maternal Pension Wealth Affect Family Old-Age Savings in Germany?
by Andreas Thiemann

2016 Intergenerational Transfers and Wealth in the Euro-Area: The Relevance of Inheritances and Gifts in Absolute and Relative Terms
by Anita Tiefensee & Christian Westermeier

2016 Return Plans and Migrants' Behavior
by Bastien Chabé-Ferret & Joël Machado & Jackline Wahba

2016 Money Illusion and Household Finance
by Stephens, Thomas A. & Tyran, Jean-Robert

2016 Once Bitten, Twice Shy: The Role of Inertia and Personal Experiences in Risk Taking
by Andersen, Steffen & Hanspal, Tobin & Nielsen, Kasper Meisner

2016 Life-Cycle Consumption Patterns at Older Ages in the US and the UK: Can Medical Expenditures Explain the Difference?
by Banks, James & Blundell, Richard William & Levell, Peter & Smith, James P

2016 Banking the Unbanked? Evidence from three countries
by Dupas, Pascaline & Karlan, Dean S. & Robinson, Jonathan & Ubfal, Diego

2016 Social Networks and Housing Markets
by Bailey, Michael & Cao, Ruiqing & Kuchler, Theresa & Ströbel, Johannes

2016 Monetary Policy According to HANK
by Kaplan, Greg & Moll, Benjamin & Violante, Giovanni L.

2016 Mercado del crédito informal en Colombia: una aproximación empírica
by Edwin Arbey Hernández García & Andrés Felipe Oviedo Gómez

2016 Restricciones Crediticias y Transmisión Intergeneracional de Capital Humano
by Carlos Andres Parra Moreno & Lady Catherine Sarmiento Moreno

2016 Determinants and Financial Triggers of Private Bankruptcy in German Households for the Period 1990-2015
by Wilson Enrique Amaya Muñoz & Isis Catalina Páramo Herrera

2016 Banking the Unbanked: Evidence from Three Countries - Working Paper 440
by Pascaline Dupas, Dean Karlan, Jonathan Robinson and Diego Ubfal

2016 Financial Inclusion in Latin America: Facts and Obstacles - Working Paper 439
by Liliana Rojas-Suarez

2016 Are Consumers Planning Consumption According to an Euler Equation?
by Lena Dräger

2016 How does the Flow of Remittances Affect the Trade Balance of the Middle East and North Africa?
by Mohammad Reza Farzanegan & Sherif Maher Hassan

2016 Does the Expansion of Public Long-Term Care Funding Affect Savings Behaviour?
by Joan Costa-i-Font & Cristina Vilaplana

2016 Thinking of Incentivizing Care? The Effect of Demand Subsidies on Informal Caregiving and Intergenerational Transfers
by Joan Costa-i-Font & Sergi Jimenez-Martin & Cristina Vilaplana

2016 Determinants of Financial Inclusion of Urban Poor in India: An Empirical Analysis
by Dhananjay Bapat & Biswa Nath Bhattacharyay

2016 Inherited Wealth and Demographic Aging
by Harun Onder & Pierre Pestieau

2016 Social Networks and Housing Markets
by Michael Bailey & Ruiqing Cao & Theresa Kuchler & Johannes Ströbel

2016 Does Homeownership Promote Wealth Accumulation?
by Leo Kaas & Georgi Kocharkov & Edgar Preugschat

2016 Home Ownership and Household Portfolio Choice
by Thomas Michielsen & Remco Mocking & Sander van Veldhuizen

2016 Trends in Family Wealth, 1989 to 2013
by Congressional Budget Office

2016 Mortgage modifications and loan performance
by Danne, Christian & McGuinness, Anne

2016 Thinking of incentivizing care? The effect of demand subsidies on informal caregiving and intergenerational transfers
by Joan Costa-Font & Sergi Jiménez-Martín & Cristina Vilaplana Prieto

2016 Analyse des taux de revalorisation des contrats individuels en 2015
by Gandolphe, S. & Frey, L.

2016 Étude sur les taux de revalorisation des contrats collectifs d’assurance-vie et PERP au titre de 2015
by Gandolphe, S.

2016 Le taux technique en assurance vie (Code des Assurances)
by Darpeix P.-E.

2016 Household debt and income inequality: evidence from Italian survey data
by David Loschiavo

2016 How does bank capital affect the supply of mortgages? Evidence from a randomized experiment
by Valentina Michelangeli & Enrico Sette

2016 With (more than) a little help from my bank. Loan-to-value ratios and access to mortgages in Italy
by Danilo Liberati & Valerio Vacca

2016 The Impact of Macroprudential Housing Finance Tools in Canada: 2005–10
by Jason Allen & Timothy Grieder & Brian Peterson & Tom Roberts

2016 Financial Inclusion—What’s it Worth?
by Miguel Ampudia & Michael Ehrmann

2016 The Impact of Bankruptcy Reform on Insolvency Choice and Consumer Credit
by Jason Allen & Kiana Basiri

2016 Housing and Tax-Deferred Retirement Accounts
by Anson T. Y. Ho & Jie Zhou

2016 Acceso a servicios financieros de los hogares en el Perú
by Augusta Alfageme & Nelson R. Ramírez Rondán

2016 What Piketty said in Capital in the Twenty-first Century and how economists reacted
by Riccardo De Bonis

2016 The Impact of Pre-marital Sex Ratios on Household Saving in Two Asian Countries: The Competitive Saving Motive Revisited
by Horioka, Charles Yuji & Terada-Hagiwara, Akiko

2016 Are the Japanese Unique? Evidence from Household Saving and Bequest Behavior
by Horioka, Charles Yuji

2016 Current risks in the CESEE residential property market: evidence from the OeNB Euro Survey
by Elisabeth Beckmann, & Antje Hildebrandt & Krisztina Jäger-Gyovai

2016 Household debt in OECD countries: stylised facts and policy issues
by Christophe André

2016 Neue Empirie zur betrieblichen Altersvorsorge: Verbreitung besser als ihr Ruf
by Beznoska, Martin & Pimpertz, Jochen

2016 Rates of Return on Open-End Debt Investment Funds and Bank Deposits in Poland in the Years 1995–2015 – A Comparative Analysis
by Dittmann Iwona

2016 Assessment of the Degree of the Divergence and Inequality of Household Income Distribution in Poland in the Years 2005–2013
by Gęstwicki Filip Edmund & Wędrowska Ewa

2016 Household debt and housing bubbles: a Minskian approach to boom-bust cycles
by Soon Ryoo

2016 When expectations become aspirations: reference-dependent preferences and liquidity constraints
by Berber Kramer

2016 Revisiting the Relationship Between Marriage and Wellbeing: Does Marriage Quality Matter?
by Bruce Chapman & Cahit Guven

2016 Assessment of the Financial Situation of the Elderly in Poland, with Particular Emphasis on Wealth and Debt (Ocena sytuacji finansowej osob starszych w Polsce ze szczegolnym uwzglednieniem zasobnosci i zadluzenia)
by Beata Swiecka

2016 Consumer Credit as an Aspect of Everyday Life of Workers in Developing Countries
by Elif Karacimen

2016 Variable Annuities and Aggregate Mortality Risk
by Martin Weale & Justin van de Ven

2016 Financialization Of The Economy And The Need For Personal Finance Advisory Services
by Krzysztof Waliszewski

2016 Low interest rates - do they revise household saving motives in the Euro area?
by Katarzyna Kochaniak

2016 Art as an investment in Poland - the first 20 years after the collapse of the central planning economy
by Tomasz Potocki & Anna Rogoziñska

2016 Policy Options for European Household Saving
by Bouyon, Sylvain

2016 Farmland Ownership and Its Impact on the Debt Servicing Capacity Among U.S. Married-Couple Farm Households
by Hisham S. El-Osta

2016 Analysis of payment protection insurance on the Czech consumer credit market
by Mária Oborilová & Libor Coufal

2016 Differences In Unemployment Among Persons In A Special Situation On The Labour Market On The Example Of Polish Provinces
by Anna Murawska

2016 Savings and Consumption When Children Move Out
by Simon Rottke & Alexander Klos

2016 Rushing into the American Dream? House Prices Growth and the Timing of Homeownership
by Sumit Agarwal & Luojia Hu & Xing Huang

2016 Saving, portfolio and loan decisions of households when interest rates are very low – survey evidence for Austrian households
by Christian Beer & Ernest Gnan & Doris Ritzberger-Grünwald

2016 Belarus in recession, banking sector in difficulties – Russia to the rescue
by Stephan Barisitz

2016 The distribution of household wealth in Belgium : initial findings of the second wave of the Household Finance and Consumption Survey (HFCS)
by Ph. Du Caju

2016 The Wealth Position of Hungarian Households based on HFCS
by Anna Boldizsár & Zsuzsa Kékesi & Balázs Kóczián & Balázs Sisak

2016 Access to Finance and Agency: An Overview of the Constraints to Female-Run Enterprises
by Farah Said

2016 Household Over-indebtedness and Financial Vulnerability in Korea: Evidence from Credit Bureau Data
by Young Il Kil & Hyoung Chan Kim & Joo Hee Yoo

2016 Do religious beliefs affect borrowing behavior? Evidence from Chinese households
by Zhong Chunping & Pan Li & Shu Lingwei

2016 Terrorism and philanthropy: the effect of terror attacks on the scope of giving by individuals and households
by Claude Berrebi & Hanan Yonah

2016 Government Subsidies and Household Debt Burden After the Great Recession
by Kyoung Tae Kim & Melissa J. Wilmarth

2016 Complexity and biases
by Kenan Kalaycı & Marta Serra-Garcia

2016 The impact of inheritances on the retirement behavior of older Europeans
by Andreas Eder

2016 Probability Numeracy and Health Insurance Purchase
by Rik Dillingh & Peter Kooreman & Jan Potters

2016 Effects of entering adulthood during a recession
by Lisa Dettling

2016 The Distribution of Debt across Euro-Area Countries: The Role of Individual Characteristics, Institutions, and Credit Conditions
by Olympia Bover & Jose Maria Casado & Sonia Costa & Philip Du Caju & Yvonne McCarthy & Eva Sierminska & Panagiota Tzamourani & Ernesto Villanueva & Tibor Zavadil

2016 Household Saving Behavior in the Euro Area
by Julie Le Blanc & Alessandro Porpiglia & Federica Teppa & Junyi Zhu & Michael Ziegelmeyer

2016 Savings And Financial Control In Students Of Economic Area And Administrative Region South High Jalisco, Mexico, El Ahorro Y Control Financiero En Estudiantes Del Area Economicoadministrativa De La Region Altos Sur De Jalisco, Mexico
by Nadia Natasha Reus Gonzalez & Tania Reus Gonzalez

2016 Competencia y diferenciación de productos en el mercado mexicano de tarjetas de crédito
by Estrada, Ernesto

2016 Alfabetismo financiero en jóvenes preparatorianos en la Zona Metropolitana del Valle de México
by Villagómez, F. Alejandro

2016 Debt trajectories and mental health
by Hojman, Daniel A. & Miranda, Álvaro & Ruiz-Tagle, Jaime

2016 The investment decisions of young adults under relaxed borrowing constraints
by Insler, Michael & Compton, James & Schmitt, Pamela

2016 Analyzing an elder’s desire for a reverse mortgage using an economic model that considers house bequest motivation, random death time and stochastic house price
by Chiang, Shu Ling & Tsai, Ming Shann

2016 Understanding the rural and urban household saving rise in China
by Pan, Yao

2016 Household risk taking after the financial crisis
by Necker, Sarah & Ziegelmeyer, Michael

2016 Perceived inflation: The role of product accessibility and attitudes towards inflation
by Del Missier, Fabio & Ranyard, Rob & Bonini, Nicolao

2016 Intrinsic and extrinsic effects on behavioral tax biases in risky investment decisions
by Fochmann, Martin & Hemmerich, Kristina & Kiesewetter, Dirk

2016 Personality and wealth accumulation among older couples: Do dispositional characteristics pay dividends?
by Mosca, Irene & McCrory, Cathal

2016 The significance of financial self-efficacy in explaining women’s personal finance behaviour
by Farrell, Lisa & Fry, Tim R.L. & Risse, Leonora

2016 Numeracy and wealth
by Estrada-Mejia, Catalina & de Vries, Marieke & Zeelenberg, Marcel

2016 Household finances and well-being in Australia: An empirical analysis of comparison effects
by Brown, Sarah & Gray, Daniel

2016 The effects of rewards on tax compliance decisions
by Fochmann, Martin & Kroll, Eike B.

2016 Joint liability lending and credit risk: Evidence from the home equity market
by Agarwal, Sumit & Ambrose, Brent W. & Chomsisengphet, Souphala & Liu, Chunlin

2016 Decision-making approaches and the propensity to default: Evidence and implications
by Brown, Jeffrey R. & Farrell, Anne M. & Weisbenner, Scott J.

2016 Time is money: Rational life cycle inertia and the delegation of investment management
by Kim, Hugh Hoikwang & Maurer, Raimond & Mitchell, Olivia S.

2016 The value of a good credit reputation: Evidence from credit card renegotiations
by Liberman, Andres

2016 Ambiguity aversion and household portfolio choice puzzles: Empirical evidence
by Dimmock, Stephen G. & Kouwenberg, Roy & Mitchell, Olivia S. & Peijnenburg, Kim

2016 Memorable consumption
by Gilboa, Itzhak & Postlewaite, Andrew & Samuelson, Larry

2016 Financial literacy, confidence and financial advice seeking
by Kramer, Marc M.

2016 Time inconsistent preferences and the annuitization decision
by Schreiber, Philipp & Weber, Martin

2016 As easy as pie: How retirement savers use prescribed investment disclosures
by Bateman, Hazel & Dobrescu, Loretti I. & Newell, Ben R. & Ortmann, Andreas & Thorp, Susan

2016 How did household indebtedness hamper consumption during the recession? Evidence from micro data
by Kukk, Merike

2016 Mortgage risks, debt literacy and financial advice
by van Ooijen, Raun & van Rooij, Maarten C.J.

2016 Some defaults are deeper than others: Understanding long-term mortgage arrears
by Kelly, Robert & McCann, Fergal

2016 Myopic loss aversion and stock investments: An empirical study of private investors
by Lee, Boram & Veld-Merkoulova, Yulia

2016 Early influences on saving behaviour: Analysis of British panel data
by Brown, Sarah & Taylor, Karl

2016 The perception-reality gap in financial literacy: Evidence from the most literate state in India
by Kiliyanni, Abdul Latheef & Sivaraman, Sunitha

2016 Minimizing the probability of lifetime drawdown under constant consumption
by Angoshtari, Bahman & Bayraktar, Erhan & Young, Virginia R.

2016 Financial fragility of euro area households
by Ampudia, Miguel & van Vlokhoven, Has & Żochowski, Dawid

2016 The determinants of household’s bank switching
by Brunetti, M. & Ciciretti, R. & Djordjevic, Lj.

2016 Bequest motive and incentive to retire: Consumption, investment, retirement, and life insurance strategies
by Lim, Byung Hwa & Kwak, Minsuk

2016 Financial literacy and over-indebtedness in low-income households
by French, Declan & McKillop, Donal

2016 Benefits from social trading? Empirical evidence for certificates on wikifolios
by Oehler, Andreas & Horn, Matthias & Wendt, Stefan

2016 Immigrant-native differences in stockholding – The role of cognitive and non-cognitive skills
by Luik, Marc-André & Steinhardt, Max Friedrich

2016 Effects of dependent coverage mandate on household precautionary savings: Evidence from the 2010 Affordable Care Act
by Lee, Daeyong

2016 Gender differences and stereotypes in financial literacy: Off to an early start
by Driva, Anastasia & Lührmann, Melanie & Winter, Joachim

2016 The Joneses’ income and debt market participation: Empirical evidence from bank account data
by Berlemann, Michael & Salland, Jan

2016 The annuity puzzle remains a puzzle
by Peijnenburg, Kim & Nijman, Theo & Werker, Bas J.M.

2016 Optimal asset allocation with fixed-term securities
by Desmettre, Sascha & Seifried, Frank Thomas

2016 How does investor confidence lead to trading? Linking investor return experiences, confidence, and investment beliefs
by Hoffmann, Arvid O.I. & Post, Thomas

2016 How does investor confidence lead to trading? Linking investor return experiences, confidence, and investment beliefs
by Hoffmann, Arvid O.I. & Post, Thomas

2016 The Credit Card Use and Debt: Is there a trade-off between compulsive buying and ill-being perception?
by Vieira, Kelmara Mendes & de Oliveira, Marta Olivia Rovedder & Kunkel, Franciele Inês Reis

2016 The Credit Card Use and Debt: Is there a trade-off between compulsive buying and ill-being perception?
by Vieira, Kelmara Mendes & de Oliveira, Marta Olivia Rovedder & Kunkel, Franciele Inês Reis

2016 Gender Gap in der finanziellen Bildung: Einkommen, Bildung und Erfahrung erklären ihn nur zum Teil
by Antonia Grohmann

2016 Die Höhe der vererbten Beträge unterscheidet sich deutlich zwischen den Ländern: Acht Fragen an Christian Westermeier
by Corporate author

2016 Erbschaften in Europa: wer viel verdient, bekommt am meisten
by Christian Westermeier & Anita Tiefensee & Markus M. Grabka

2016 The Gender Gap in Financial Literacy: Income, Education, and Experience Offer Only Partial Explanations
by Antonia Grohmann

2016 Value of Inheritances Varies Considerably from Country to Country: Eight Questions to Christian Westermeier
by Corporate author

2016 Inheritances in Europe: High Earners Reap the Most Benefits
by Christian Westermeier & Anita Tiefensee & Markus M. Grabka

2016 Una nueva mirada a la inclusión financiera en Chile
by Cristián Cuevas Valdés

2016 A Comparison of Saving Rates: Microdata Evidence from Seventeen Latin American and Caribbean Countries
by Néstor Gandelman

2016 Determinantes del acceso a los productos financieros en los hogares colombianos
by Santiago Rodri?guez-Raga & Fe?lix Francisco Riaño Rodri?guez

2016 Kommunale und private Schulden in Deutschland – Eine Frage der Mentalität?
by Felix Rösel

2016 Insolvency and its Consequences: A Historical Perspective
by Michel Robe & Eva Maria Steiger

2016 Personal Bankruptcy and Social Insurance
by Jeffrey Traczynski

2016 Recourse Structure of Mortgages: A Comparison between the US and Europe
by Ron Harris & Asher Meir

2016 Personal Bankruptcy in the US: Effects of the 2005 Reform
by Stefania Albanesi & Jaromir Nosal

2016 Economics of Personal Bankruptcy and Insolvency
by Michelle J. White

2016 Les transferts d'épargne des migrants vers les pays d'origine : un enjeu économique pour le développement
by El Mouhoub Mouhoud

2016 Money and its counterparts in France and in the euro area
by J. Morenas & B. Rudelle

2016 Structure et évolution des portefeuilles-titres des personnes physiques : des comportements qui diffèrent selon l’âge, la catégorie socio-professionnelle et le montant des portefeuilles
by HODEAU, A.

2016 La monnaie et ses contreparties en France et en zone euro
by MORENAS, J. & RUDELLE, B.

2016 La destination finale des placements financiers des ménages avant et pendant la crise
by BACHELLERIE, A. & CHARAVEL, C. & PFISTER, C.

2016 Wykorzystanie nowoczesnych technologii przez instytucje finansowe w procesie przeciwdziałania wykluczeniu finansowemu / The Use of Modern Technology by Financial Institutions in Combating Financial Exclusion
by Ewa Cichowicz

2016 Gauging Households’ Debt Tolerance: Evidence from Thailand
by Athiphat Muthitacharoen

2016 Nonparametric Evidence on the Effects of Financial Incentives on Retirement Decisions
by Day Manoli & Andrea Weber

2016 The Effects of the Massachusetts Health Reform on Household Financial Distress
by Bhashkar Mazumder & Sarah Miller

2016 The Impact of Insurance Provision on Household Production and Financial Decisions
by Jing Cai

2016 Assessing Financial Education: Evidence from Boot Camp
by William Skimmyhorn

2016 The Vulnerability of Minority Homeowners in the Housing Boom and Bust
by Patrick Bayer & Fernando Ferreira & Stephen L. Ross

2016 A Theory of Rational Demand for Index Insurance
by Daniel J. Clarke

2016 Debt Portfolios and Homestead Exemptions
by Thomas Hintermaier & Winfried Koeniger

2016 A Road Map for Efficiently Taxing Heterogeneous Agents
by Marios Karabarbounis

2016 What Does Debt Relief Do for Development? Evidence from India's Bailout for Rural Households
by Martin Kanz

2016 The Impact of High School Financial Education: Evidence from a Large-Scale Evaluation in Brazil
by Miriam Bruhn & Luciana de Souza Leão & Arianna Legovini & Rogelio Marchetti & Bilal Zia

2016 Do Employer Pension Contributions Reflect Employee Preferences? Evidence from a Retirement Savings Reform in Denmark
by Itzik Fadlon & Jessica Laird & Torben Heien Nielsen

2016 Runs on Money Market Mutual Funds
by Lawrence Schmidt & Allan Timmermann & Russ Wermers

2016 Capital Taxation under Political Constraints
by Florian Scheuer & Alexander Wolitzky

2016 Macroeconomic Effects of Bankruptcy and Foreclosure Policies
by Kurt Mitman

2016 The Realization Effect: Risk-Taking after Realized versus Paper Losses
by Alex Imas

2016 Interest Rates and Equity Extraction during the Housing Boom
by Neil Bhutta & Benjamin J. Keys

2016 Network Structure and the Aggregation of Information: Theory and Evidence from Indonesia
by Vivi Alatas & Abhijit Banerjee & Arun G. Chandrasekhar & Rema Hanna & Benjamin A. Olken

2016 To Buy or Not to Buy: Consumer Constraints in the Housing Market
by Andreas Fuster & Basit Zafar

2016 Debt Constraints and the Labor Wedge
by Patrick Kehoe & Virgiliu Midrigan & Elena Pastorino

2016 A Simple Model of Subprime Borrowers and Credit Growth
by Alejandro Justiniano & Giorgio E. Primiceri & Andrea Tambalotti

2016 On the Optimal Inflation Rate
by Markus K. Brunnermeier & Yuliy Sannikov

2016 Medicare Part D and Portfolio Choice
by Padmaja Ayyagari & Daifeng He

2016 Has the Increased Attachment of Women to the Labor Market Changed a Family's Ability to Smooth Income Shocks?
by Olga Gorbachev

2016 Russia's Billionaires
by Daniel Treisman

2016 Restoring Rational Choice: The Challenge of Consumer Financial Regulation
by John Y. Campbell

2016 Taxpayer Confusion: Evidence from the Child Tax Credit
by Naomi E. Feldman & Peter Katuš?ák & Laura Kawano

2016 Liquidity Trap and Excessive Leverage
by Anton Korinek & Alp Simsek

2016 University Differences in the Graduation of Minorities in STEM Fields: Evidence from California
by Peter Arcidiacono & Esteban M. Aucejo & V. Joseph Hotz

2016 Consumption Inequality and Family Labor Supply
by Richard Blundell & Luigi Pistaferri & Itay Saporta-Eksten

2016 Poverty and Economic Decision-Making: Evidence from Changes in Financial Resources at Payday
by Leandro S. Carvalho & Stephan Meier & Stephanie W. Wang

2015 Households’ access to financial services: some evidence from survey data
by Gilberto M. Llanto

2015 Long-Term Portfolio Investment: New Insight into Return and Risk
by A. Abramov & A. Radygin & M. Chernova.

2015 Financial Literacy and Financial Capability: Definitions, Measurement Methods, and Analysis in the Case of Russia
by O. Kuzina.

2015 Effectiveness of Pension Saving Management: Theoretical and Empirical Aspects
by A. Abramov & A. Radygin & M. Chernova & K. Akshentseva.

2015 The Moral Nature of Debt and the Making of Responsible Debtor
by G. Yudin.

2015 Deposit Withdrawals from Distressed Commercial Banks
by Guin, Benjamin & Brown, Martin & Morkötter, Stefan

2015 Does a personalized feedback on investment success mitigate investment mistakes of private investors? Answers from large natural field experiment
by Meyer, Steffen & Urban, Linda & Ahlswede, Sophie

2015 Hidden skewness: On the difficulty of multiplicative compounding under random shocks
by Zankiewicz, Christian & Ensthaler, Ludwig & Nottmeyer, Olga & Weizsäcker, Georg

2015 Econometric analysis of the wealth gap between East and West Germany
by Becker, Gideon

2015 Financial education, literacy and investment attitudes
by Brugiavini, Agar & Cavapozzi, Danilo & Padula, Mario & Pettinicchi, Yuri

2015 Housing habits and their implications for life-cycle consumption and investment
by Kraft, Holger & Munk, Claus & Wagner, Sebastian

2015 Will they take the money and work? An empirical analysis of people's willingness to delay claiming social security benefits for a lump sum
by Maurer, Raimond & Mitchell, Olivia S. & Rogalla, Ralph & Schimetschek, Tatjana

2015 Preferences over bank and family loans in rural Rwanda
by Peters, Jörg & Schoofs, Annekathrin & Sievert, Maximiliane

2015 Mental accounting, access motives, and overinsurance
by Fels, Markus

2015 Die Auswirkungen von Niedrigzinsen und unkonventionellen geldpolitischen Maßnahmen auf die Vermögensverteilung
by Demary, Markus & Niehues, Judith

2015 The Impact of Risk Attitudes on Financial Investments
by Hyll, Walter & Irrek, Maike

2015 Meet the need for inclusive urbanization in China: Migrants' urban housing demand along their socio-economic transition
by Gottschalch, Sören

2015 Immigrant-native differences in stockholding: The role of cognitive and non-cognitive skills
by Luik, Marc-André & Steinhardt, Max Friedrich

2015 Who is saving privately for retirement and how much? New evidence for Germany
by Metzger, Christoph

2015 What drives tax refund maximization from inter-temporal loss usage? Evidence from the German taxpayer panel
by Werdt, Clive

2015 Distributional effects of subsidizing retirement savings accounts: Evidence from Germany
by Corneo, Giacomo & Schröder, Carsten & König, Johannes

2015 Do financial advisors provide tangible benefits for investors? Evidence from tax-motivated mutual fund flows
by Cici, Gjergji & Kempf, Alexander & Sorhage, Christoph

2015 Distributional consequences of asset price inflation in the euro area
by Adam, Klaus & Tzamourani, Panagiota

2015 Intrinsic and extrinsic effects on behavioral tax biases in risky investment decisions
by Fochmann, Martin & Hemmerich, Kristina & Kiesewetter, Dirk

2015 Mental accounting in tax evasion decisions: An experiment on underreporting and overdeducting
by Fochmann, Martin & Wolf, Nadja

2015 How does the type of subsidization affect investments: Experimental evidence
by Ackermann, Hagen

2015 Can Risk Averse Households Make Risky Investments? The Role of Trust in Others
by Alessandro Bucciol & Barbara Cavasso & Luca Zarri

2015 Does Investors' Personality Influence their Portfolios?
by Alessandro Bucciol & Luca Zarri

2015 Return Expectations and Risk Aversion Heterogeneity in Household Portfolios
by Alessandro Bucciol & Raffaele Miniaci & Sergio Pastorello

2015 Risk attitudes, investment behavior and linguistic variation
by Matija Kovacic & Francesco Costantini & Juliana Bernhofer

2015 Dispositional optimism and stock investments
by Viola Angelini & Danilo Cavapozzi

2015 The Exposure of Mortgage Borrowers to Interest Rate Risk, Income Risk and House Price Risk – Evidence from Swiss Loan Application Data
by Brown, Martin & Guin, Benjamin

2015 Poverty persistence and informal risk management: Micro evidence from urban Ethiopia
by Azomahou T.T. & Yitbarek E.

2015 Learning to Take Risks? The Effect of Education on Risk-Taking in Financial Markets
by Sandra E. Black & Paul J. Devereux & Petter Lundborg & Kaveh Majleshi

2015 Wealth and the Effect of Subjective Survival Probability
by Sanna Nivakoski

2015 Mobile Money, Trade Credit and Economic Development : Theory and Evidence
by Beck, T.H.L. & Pamuk, H. & Uras, R.B. & Ramrattan, R.

2015 Be patient when measuring Hyperbolic Discounting: Stationarity, Time Consistency and Time Invariance in a Field Experiment
by Wendy Janssens & Berber Kramer & Lisette Swart

2015 The Impact of Financial Education for Youth in Ghana
by James Berry & Dean Karlan & Menno Pradhan

2015 Government Subsidized Individual Retirement System
by Okan Eren & Serife Genc Ileri

2015 Are indebted households poorer? Evidence from Slovakia
by Tibor Zavadil & Teresa Messner

2015 Imputing consumption from Norwegian income and wealth registry data
by Andreas Fagereng & Elin Halvorsen

2015 Unemployment Risk and Over-indebtedness A Micro-econometric Perspective
by Philip Du Caju & François Rycx & Ilan Tojerow

2015 The Debt Puzzle in Dhaka’s Slums: Do Poor People Co-hold for Liquidity Needs?
by Carolina Laureti

2015 Mortgage arrears in Europe: The impact of monetary and macroprudential policies
by Petra Gerlach-Kristen & Seán Lyons

2015 Why has the mortgage debt increased by so much in Canada?
by Mario Fortin

2015 Personal finance management of young households in Lithuania
by Tadas Gudaitis & Evelina Zigmantavi?i?t?

2015 Spending Patterns Of Food Secure And Food Insecure Households In Urban Areas: The Case Of Low Income Neighborhoods
by Wynand Carel Johannes Grobler & Steve Dunga

2015 Consumption Uncertainty and Precautionary Saving
by Dimitris Christelis & Dimitris Georgarakos & Tullio Jappelli & Maarten van Rooij

2015 Financial Education in Asia: Assessment and Recommendations
by Yoshino, Naoyuki & Morgan, Peter & Wignaraja, Ganeshan

2015 The Competitive Saving Motive: Concept, Evidence, and Implications
by Wei , Shang-Jin & Zhang, Xiaobo

2015 Financial Inclusion in Asia: An Overview
by Ayyagari , Meghana & Beck, Thorsten

2015 Life-Cycle Consumption Patterns at Older Ages in the US and the UK: Can Medical Expenditures Explain the Difference?
by Banks, James & Blundell, Richard & Levell, Peter & Smith, James P.

2015 Gauging Households? Debt Tolerance: Evidence from Thailand
by Athiphat Muthitacharoen

2015 Transaksi drop shipping perspektif ekonomi syari’ah
by Busthomi, Achmad Otong

2015 Overconfident investors, predictable returns, and excessive trading
by Hirshleifer, David & Daniel, Kent

2015 Корпоративные Программы Помощи Сотрудникам В Приобретении Жилья: Проблема Выбора Институциональной Структуры
by Polterovich, Victor

2015 Перспективы Развития Вендингового Бизнеса В Российской Федерации
by Alexeev, Anton

2015 Zroznicowanie bezrobocia osob bedacych w szczegolnej sytuacji na rynku pracy na przykladzie polskich wojewodztw
by Anna Murawska

2015 Il ruolo emergente dell'edutainment nei percorsi di educazione finanziaria
by B. Ronchini

2015 Losing from Naive Reinforcement Learning: A Survival Analysis of Individual Repurchase Decisions
by Peiran Jiao

2015 Finance and Inclusive Growth
by Boris Cournède & Oliver Denk & Peter Hoeller

2015 Enhancing the financing of the real economy and financial stability in the United Kingdom
by Olena Havrylchyk & Rafal Kierzenkowski

2015 Household finance and income inequality in the euro area
by Oliver Denk & Alexandre Cazenave-Lacroutz

2015 Finance and income inequality in OECD countries
by Oliver Denk & Boris Cournède

2015 Financial Education for Long-term Savings and Investments: Review of Research and Literature
by Adele Atkinson & Flore-Anne Messy & Lila Rabinovich & Joanne Yoong

2015 Financial Education for Migrants and their Families
by Adele Atkinson & Flore-Anne Messy

2015 The Dynamics of Adjustable-Rate Subprime Mortgage Default: A Structural Estimation
by Hanming Fang & You Suk Kim & Wenli Li

2015 Controlling for the Compromise Effect Debiases Estimates of Risk Preference Parameters
by Jonathan P. Beauchamp & Daniel J. Benjamin & Christopher F. Chabris & David I. Laibson

2015 Explaining Consumption Excess Sensitivity with Near-Rationality: Evidence from Large Predetermined Payments
by Lorenz Kueng

2015 Piketty's Book and Macro Models of Wealth Inequality
by Mariacristina De Nardi & Giulio Fella & Fang Yang

2015 House Prices and Consumer Spending
by David Berger & Veronica Guerrieri & Guido Lorenzoni & Joseph Vavra

2015 Moral Incentives: Experimental Evidence from Repayments of an Islamic Credit Card
by Leonardo Bursztyn & Stefano Fiorin & Daniel Gottlieb & Martin Kanz

2015 The Financial Feasibility of Delaying Social Security: Evidence from Administrative Tax Data
by Gopi Shah Goda & Shanthi Ramnath & John B. Shoven & Sita Nataraj Slavov

2015 Self Control and Commitment: Can Decreasing the Liquidity of a Savings Account Increase Deposits?
by John Beshears & James J. Choi & Christopher Harris & David Laibson & Brigitte C. Madrian & Jung Sakong

2015 Contributions to Defined Contribution Pension Plans
by James J. Choi

2015 Why Don't Households Smooth Consumption? Evidence from a 25 Million Dollar Experiment
by Jonathan A. Parker

2015 The Effect of Savings Accounts on Interpersonal Financial Relationships: Evidence from a Field Experiment in Rural Kenya
by Pascaline Dupas & Anthony Keats & Jonathan Robinson

2015 Risk and Risk Management in the Credit Card Industry
by Florentin Butaru & QingQing Chen & Brian Clark & Sanmay Das & Andrew W. Lo & Akhtar Siddique

2015 Time-Inconsistency and Saving: Experimental Evidence from Low-Income Tax Filers
by Damon Jones & Aprajit Mahajan

2015 Medical Spending of the U.S. Elderly
by Mariacristina De Nardi & Eric French & John Bailey Jones & Jeremy McCauley

2015 Savings After Retirement: A Survey
by Mariacristina De Nardi & Eric French & John B. Jones

2015 Socioeconomic Status and Learning from Financial Information
by Camelia M. Kuhnen & Andrei C. Miu

2015 Social Networks, Reputation and Commitment: Evidence from a Savings Monitors Experiment
by Emily Breza & Arun G. Chandrasekhar

2015 Liquidity in Retirement Savings Systems: An International Comparison
by John Beshears & James J. Choi & Joshua Hurwitz & David Laibson & Brigitte C. Madrian

2015 Quantitative Models of Wealth Inequality: A Survey
by Mariacristina De Nardi

2015 Borrowing from the Future: 401(k) Plan Loans and Loan Defaults
by Timothy (Jun) Lu & Olivia S. Mitchell & Stephen P. Utkus & Jean A. Young

2015 The Impact of Financial Education for Youth in Ghana
by James Berry & Dean Karlan & Menno Pradhan

2015 Wealth Inequality, Family Background, and Estate Taxation
by Mariacristina De Nardi & Fang Yang

2015 Learning to Take Risks? The Effect of Education on Risk-Taking in Financial Markets
by Sandra E. Black & Paul J. Devereux & Petter Lundborg & Kaveh Majlesi

2015 Consumer Bankruptcy and Financial Health
by Will Dobbie & Paul Goldsmith-Pinkham & Crystal Yang

2015 Unshrouding Effects on Demand for a Costly Add-on: Evidence from Bank Overdrafts in Turkey
by Sule Alan & Mehmet Cemalcılar & Dean Karlan & Jonathan Zinman

2015 Decision-Making Approaches and the Propensity to Default: Evidence and Implications
by Jeffrey R. Brown & Anne M. Farrell & Scott J. Weisbenner

2015 Racial Disparities in Savings Behavior for a Continuously Employed Cohort
by Kai Yuan Kuan & Mark R. Cullen & Sepideh Modrek

2015 Borrowing Trouble? Student Loans, the Cost of Borrowing, and Implications for the Effectiveness of Need-Based Grant Aid
by Benjamin M. Marx & Lesley J. Turner

2015 Student Loans and Repayment: Theory, Evidence and Policy
by Lance Lochner & Alexander Monge-Naranjo

2015 The implications of household size and children for life-cycle saving
by Bram De Rock & Bart Capéau

2015 Beyond Information: Disclosure, Distracted Attention, and Investor Behavior
by Adrian Hillenbrand & André Schmelzer

2015 Second homes: households' life dream or (wrong) investment?
by Marianna Brunetti & Costanza Torricelli

2015 Some (Mis)facts about Myopic Loss Aversion
by Inigo Iturbe-Ormaetxe & Giovanni Ponti & Josefa Tomás

2015 Labor market effects of improved access to credit among the poor: evidence from Cape Verde
by Paolo Casini & Olivia Riera & Paulo Santos Monteiro

2015 The financial support for long-term elderly care and household savings behaviour
by Asako Ohinata & Matteo Picchio

2015 Life-Cycle Consumption and Children: Evidence from a Structural Estimation
by Thomas Høgholm Jørgensen

2015 Unemployment Risk and Over-Indebtedness: A Micro-Econometric Perspective
by Du Caju, Philip & Rycx, Francois & Tojerow, Ilan

2015 The Financial Support for Long-Term Elderly Care and Household Savings Behaviour
by Ohinata, Asako & Picchio, Matteo

2015 Do Natural Disasters Stimulate Individual Saving? Evidence from a Natural Experiment in a Highly Developed Country
by Berlemann, Michael & Steinhardt, Max F. & Tutt, Jascha

2015 Finance for All: The Impact of Financial Literacy Training in Compulsory Secondary Education in Spain
by Hospido, Laura & Villanueva, Ernesto & Zamarro, Gema

2015 Some (Mis)facts about Myopic Loss Aversion
by Iñigo Iturbe-Ormaetxe Kortajarene & Giovanni Ponti & Josefa Tomás Lucas

2015 La partecipazione alla previdenza a capitalizzazione in Italia: le determinanti e gli effetti economici
by Mauro Marè & Antonello Motroni & Francesco Porcelli

2015 Life-cycle consumption patterns at older ages in the US and the UK: can medical expenditures explain the difference?
by James Banks & Richard Blundell & Peter Levell & James Smith

2015 Understanding Domestic Saving in Latin America and the Caribbean: The Case of Mexico
by Miguel Székely & Pamela Mendoza & Jonathan Karver

2015 A Comparison of Saving Rates: Micro Evidence from Seventeen Latin American and Caribbean Countries
by Néstor Gandelman

2015 Do the Rich Save More in Latin America?
by Néstor Gandelman

2015 Socioeconomic Status and Learning from Financial Information
by Camelia Kuhnen & Andrei Mui

2015 Student Loans and Repayment: Theory, Evidence and Policy
by Lance Lochner & Alexander Monge-Naranjo

2015 Take a Risk - Social Interaction, Gender Identity, and the Role of Family Ties in Financial Decision-Making
by Zetterdahl, Emma

2015 Scenes from a Marriage: Divorce and Financial Behavior
by Zetterdahl, Emma

2015 Ladies and Gentlemen: Gender Identity and Financial Risk-Taking
by Zetterdahl, Emma & Hellström, Jörgen

2015 Who’s listening? Heterogeneous Impact of Social Interaction on Individuals’ Stock Market Participation
by Zetterdahl, Emma & Hellström, Jörgen

2015 Learning to Take Risks? The Effect of Education on Risk-Taking in Financial Markets
by Black, Sandra E. & Devereux, Paul J. & Lundborg, Petter & Majlesi, Kaveh

2015 Mortgages denominated in domestic and foreign currencies: Simple models
by Julia Kiraly & Andras Simonovits

2015 Billions on the Sidewalk: Improving Savings by Reducing Investment Mistakes
by Ugo Panizza

2015 Saving by Default: Evidence from a Field Experiment in Rural India
by Lore Vandewalle & Vincent Somville

2015 Intergenerational Linkages in Household Credit
by Ghent, Andra C. & Kudlyak, Marianna

2015 Out of sight, out of mind: consumer reaction to news on data breaches and identity theft
by Mikhed, Vyacheslav & Vogan, Michael

2015 Who is screened out of social insurance programs by entry barriers? Evidence from consumer bankruptcies
by Mikhed, Vyacheslav & Scholnick, Barry

2015 Gentrification and residential mobility in Philadelphia
by Ding, Lei & Hwang, Jackelyn & Divringi, Eileen

2015 Do student loan borrowers opportunistically default? Evidence from bankruptcy reform
by Darolia, Rajeev & Ritter, Dubravka

2015 Exploring the use of anonymized consumer credit information to estimate economic conditions: an application of big data
by Wilshusen, Stephanie M.

2015 Financial management tools and consumer confidence: chase blueprint
by Santucci, Lawrence

2015 Can credit cards with access to complimentary credit score information benefit consumers and lenders?
by Mikhed, Vyacheslav

2015 A tale of two vintages: credit limit management before and after the CARD act and Great Recession
by Santucci, Lawrence

2015 Determinants of mortgage default and consumer credit use: the effects of foreclosure laws and foreclosure delays
by Chan, Sewin & Haughwout, Andrew F. & Hayashi, Andrew & Van der Klaauw, Wilbert

2015 Insolvency after the 2005 bankruptcy reform
by Albanesi, Stefania & Nosal, Jaromir B.

2015 Student debt and higher education financing: a public finance perspective
by McAndrews, James J.

2015 Credit Scores and Committed Relationships
by Dokko, Jane & Li, Geng & Hayes, Jessica

2015 End of the Line: Behavior of HELOC Borrowers Facing Payment Changes
by Johnson, Kathleen W. & Sarama, Robert F.

2015 The Dynamics of Adjustable-Rate Subprime Mortgage Default: A Structural Estimation
by Fang, Hanming & Kim, You Suk & Li, Wenli

2015 The Evolution of Retirement Wealth
by Devlin-Foltz, Sebastian & Henriques, Alice M. & Sabelhaus, John

2015 Consumer revolving credit and debt over the life cycle and business cycle
by Fulford, Scott L. & Schuh, Scott

2015 Can't pay or won't pay?: unemployment, negative equity, and strategic default
by Gerardi, Kristopher S. & Herkenhoff, Kyle F. & Ohanian, Lee E. & Willen, Paul S.

2015 Payment instrument adoption and use in the United States, 2009–2013, by consumers' demographic characteristics
by Connolly, Sean & Stavins, Joanna

2015 The 2013 Survey of Consumer Payment Choice: technical appendix
by Angrisani, Marco & Foster, Kevin & Hitczenko, Marcin

2015 The 2013 Survey of Consumer Payment Choice: summary results
by Schuh, Scott & Stavins, Joanna

2015 U.S. consumer holdings and use of $1 Bills
by Fulford, Scott L. & Greene, Claire & Murdock, William

2015 How do speed and security influence consumers' payment behavior?
by Schuh, Scott & Stavins, Joanna

2015 Referrals: peer screening and enforcement in a consumer credit field experiment
by Gharad Bryan & Dean Karlan & Jonathan Zinman

2015 The Impact of Financial Education for Youth in Ghana
by Dean Karlan & James Berry & Menno Pradhan

2015 Unshrouding Effects on Demand for a Costly Add-on: Evidence from Bank Overdrafts in Turkey
by Sule Alan & Dean Karlan & Mehmet Cemalcilar & Jonathan Zinman

2015 Debt, Inequality and House Prices: Explaining the Dynamics of Household Borrowing Prior to the Great Recession
by Alessia De Stefani

2015 Banking products: you can take them with you, so why don't you?
by Carin van der Cruijsen & Maaike Diepstraten

2015 An Ounce of Prevention at Half Price:Evaluating a Subsidy on Health Investments
by Matthew N. White

2015 Childhood Roots of Financial Literacy
by Antonia Grohmann & Roy Kouwenberg & Lukas Menkhoff

2015 Do Natural Disasters Stimulate Individual Saving? Evidence from a Natural Experiment in a Highly Developed Country
by Michael Berlemann & Max Steinhardt & Jascha Tutt

2015 The Risk of Polygamy and Wives' Saving Behavior
by Marie Boltz & Isabelle Chort

2015 French households financial wealth: which changes in 20 years?
by J.-B. BERNARD & L. BERTHET

2015 Measuring expectations from household surveys: New results on subjective probabilities of future house prices
by Bover, Olympia

2015 Cross-Licensing and Competition
by Jeon, Doh-Shin & Lefouili, Yassine

2015 The Distribution of Debt Across Euro Area Countries: The Role of Individual Characteristics, Institutions and Credit Conditions
by Bover, Olympia & Casado, José Maria & Costa, Sonia & Du Caju, Philip & McCarthy, Yvonne & Sierminska, Eva & Tzamourani, Panagiota & Villanueva, Ernesto & Zavadil, Tibor

2015 WSJ Category Kings - the impact of media attention on consumer and mutual fund investment decisions
by Kaniel, Ron & Parham, Robert

2015 Mobile Money, Trade Credit, and Economic Development: Theory and Evidence
by Beck, Thorsten & Pamuk, Haki & Ramrattan, Ravindra & Uras, Rasim Burak

2015 The supply side of household finance
by Foà, Gabriele & Gambacorta, Leonardo & Guiso, Luigi & Mistrulli, Paolo Emilio

2015 On the Origins of Risk-Taking
by Black, Sandra & Devereux, Paul J. & Lundborg, Petter & Majlesi, Kaveh

2015 The Effect of Savings Accounts on Interpersonal Financial Relationships: Evidence from a Field Experiment in Rural Kenya
by Dupas, Pascaline & Keats, Anthony & Robinson, Jonathan

2015 Personal Pensions with Risk sharing: Affordable, Adequate and Stable Private Pensions in Europe
by Bovenberg, A Lans & Nijman, Theo E

2015 Insolvency After the 2005 Bankruptcy Reform
by Albanesi, Stefania & Nosal, Jaromir

2015 The Impact of Financial Education for Youth in Ghana
by Berry, James & Karlan, Dean S. & Pradhan, Menno

2015 Learning to Take Risks? The Effect of Education on Risk-Taking in Financial Markets
by Black, Sandra & Devereux, Paul J. & Lundborg, Petter & Majlesi, Kaveh

2015 Trickle-Down Consumption
by Bertrand, Marianne & Morse, Adair

2015 Unshrouding Effects on Demand for a Costly Add-on: Evidence from Bank Overdrafts in Turkey
by Alan, Sule & Cemalcilar, Mehmet & Karlan, Dean S. & Zinman, Jonathan

2015 Time Inconsistent Preferences and the Annuitization Decision
by Schreiber, Philipp & Weber, Martin

2015 Home Ownership and Household Portfolio Choice
by Thomas Michielsen & Remco Mocking & Sander van Veldhuizen

2015 Public vs. Private Mental Accounts: Experimental Evidence from Savings Groups in Colombia
by Luz Magdalena Salas

2015 Financial Education Programs in Colombia: Challenges in Assessing their Effectiveness
by Diego A. Restrepo Tobón & Pilar B. Álvarez Franco & Melisa Muñoz Murillo

2015 Características de personalidad y cognitivas: Efectos sobre el comportamiento de repago
by Sonia Di Giannatale & Alexander Elbittar & María José Roa

2015 Financial Inclusion in Latin America and the Caribbean: Access, Usage and Quality
by María José Roa García

2015 History-Dependent Risk Preferences: Evidence from Individual Choices and Implications for the Disposition Effect
by Angie ANDRIKOGIANNOPOULOU & Filippos PAPAKONSTANTINOU

2015 The Standard Portfolio Choice Problem in Germany
by Steffen Huck & Tobias Schmidt & Georg Weizsäcker

2015 Do Natural Disasters Stimulate Individual Saving? Evidence from a Natural Experiment in a Highly Developed Country
by Michael Berlemann & Max Steinhardt & Jascha Tutt

2015 A History of Violence: Field Evidence on Trauma, Discounting and Present Bias
by Alex Imas & Michael A. Kuhn & Vera Mironova

2015 Does Loan Maturity Matter in Risk-Based Pricing? Evidence from Consumer Loan Data
by Gabriela Kuvikova

2015 Mortgage debt and entrepreneurship
by Bracke, Philippe & Hilber, Christian & Silva, Olmo

2015 Household debt and spending in the United Kingdom
by Bunn, Philip & Rostom, May

2015 Interest rates, debt and intertemporal allocation: evidence from notched mortgage contracts in the United Kingdom
by Best, Michael Carlos & Cloyne, James & Ilzetzki, Ethan & Kleven, Henrik Jacobsen

2015 Inflation, currency depreciation and households balance sheet in Uruguay
by Rodrigo Lluberas & Juan Odriozola

2015 Financial Risk of Uruguayan Households
by Fernando Borraz & Nicolás González Pampillón

2015 Why Financial Advice Cannot Substitute for Financial Literacy?
by M. Debbich

2015 Dynamic Competition in Deceptive Markets
by Johannes Johnen

2015 Bancarizing with Credit Cards: Experimental Evidence on Interest Rates and Minimum Payments Elasticities for New Clients
by Seira Enrique & Castellanos Pascacio Sara Gabriela & Jiménez Hernández Diego J.

2015 The supply side of household finance
by Gabriele Foà & Leonardo Gambacorta & Luigi Guiso & Paolo Emilio Mistrulli

2015 Measuring expectations from household surveys: new results on subjective probabilities of future house prices
by Olympia Bover

2015 Finance For All: The Impact Of Financial Literacy Training In Compulsory Secondary Education In Spain
by Laura Hospido & Ernesto Villanueva & Gema Zamarro

2015 Ambiguity and portfolio decisions
by Eduardo Corso

2015 Other real estate property in selected euro area countries
by Michael Ziegelmeyer

2015 El ahorro en condiciones formales e informales
by Mariano Bosch & Angel Melguizo & Ximena Peña & David Tuesta

2015 Savings under formal and informal conditions
by Mariano Bosch & Angel Melguizo & Ximena Peña & David Tuesta

2015 Inclusion financiera y sus determinantes: el caso argentino
by David Tuesta & Gloria Sorensen & Adriana Haring & Noelia Camara

2015 Financial inclusion and its determinants: the case of Argentina
by David Tuesta & Gloria Sorensen & Adriana Haring & Noelia Camara

2015 The Financial Support for Long-Term Elderly Care and Household Savings Behaviour
by Asako OHINATA & Matteo PICCHIO

2015 How Did Household Indebtedness Hamper Consumption during the Recession? Evidence from Micro Data
by Merike Kukk

2015 The Life And Work Of Martin Stuart ("Marty") Feldstein
by Horioka, Charles Yuji

2015 IS Imbalances and Current Account Surpluses in Japan: In Memory of Professor Ronald I. McKinnon
by Horioka, Charles Yuji

2015 Challenges in Securities Markets Regulation: Investor Protection and Corporate Governance
by Paul Tucker & Michael Haliassos & Theodor Kockelkoren & Juan Carlos Ureta & José Manuel González-Páramo & Lori J. Schock & Colin Mayer & Eddy Wymeersch

2015 Ahorro, crédito y acumulación de activos en presencia de adultos mayores y contingencias económicas
by Owen Eli Ceballos Mina

2015 Payment Habits of Rural Population in Poland: Barriers and Challenges for the Financial Services System (Zwyczaje platnicze ludnosci wiejskiej w Polsce – bariery i wyzwania dla systemu uslug finansowych)
by Michal Soliwoda

2015 Mobile Payments as Innovations on the Retail Cashless Payments Market (Platnosci mobilne jako innowacje na rynku detalicznych platnoœci bezgotowkowych)
by Beata Swiecka

2015 The Exposure of Mortgage Borrowers to Interest Rate Risk and House Price Risk – Evidence from Swiss Loan Application Data
by Martin Brown & Benjamin Suman Guin

2015 Personal and social impacts of significant financial loss
by Aaron G Bruhn

2015 Financial literacy, financial judgement, and retirement self-efficacy of older trustees of self-managed superannuation funds
by Joanne K Earl & Paul Gerrans & Anthony Asher & Julia Woodside

2015 Requirements for intermediaries and advisors in the area of mortgages resulting from Mortgage Credit Directive – implications for Poland
by Krzysztof Waliszewski

2015 Does Financial Education at School work? Evidence from Italy
by Angela Romagnoli & Maurizio Trifilidis

2015 Profilul gospodariilor care economisesc – instrument important in segmentarea pietei bancare
by Andreea CAMBIR & Cornelia BARTI & Sofica MUSAT & Gheorghe Emanoil VAIDA

2015 The effectiveness of mutual funds: theoretical approaches and the experience of Russia
by Abramov, Alexander & Akshentseva, Kseniya & Radygin, Alexander

2015 Projecting Pension Outcomes at Retirement - Towards an Industry Reporting Standard
by Kees De Vaan & Daniele Fano

2015 Financial Issues Perceived By Youth: Preliminary Survey For Financial Literacy Evaluation In The Baltics
by Jelena Titko & Natalja Lace & Tatjana Polajeva

2015 Managing Personal Finances: Examples And Lessons From Croatian Student Population
by Branko Matic & Hrvoje Serdarusic & Maja Vretenar Cobovic

2015 Financial literacy gaps of the Austrian population
by Bettina Greimel-Fuhrmann & Maria Antoinette Silgoner & Rosa Weber

2015 Foreign currency borrowers in Austria – evidence from the Household Finance and Consumption Survey
by Nicolas Albacete & Peter Lindner

2015 Current risks in the CESEE residential property market: evidence from the OeNB Euro Survey
by Elisabeth Beckmann & Antje Hildebrandt & Krisztina Jäger-Gyovai

2015 What can we learn from Eurosystem Household Finance and Consumption Survey data? – An application to household debt in Slovakia
by Pirmin Fessler & Krisztina Jäger-Gyovai & Teresa Messner

2015 A Local or a Foreign Currency Loan? Evidence on the Role of Loan Characteristics, Preferences of Households and the Effect of Foreign Banks
by Elisabeth Beckmann & Anita Roitner & Helmut Stix

2015 Economic Functions of Contemporary Bulgarian Family
by Mihail Mirchev

2015 Financial Literacy in Nepal: A Survey Analysis from College Students
by Bharat Singh Thapa & Surendra Raj Nepal

2015 Synthesis of Microfinance and Technical Efficiency: Implications for Poverty Reduction in Ghana
by Samuel Erasmus Alnaa & Ferdinand Ahiakpor

2015 The Financial Asset and Liability in Japanese Household Statistics
by Saeko Maeda

2015 Show me how you pay and I will tell you who you are – Socio-demographic determinants of payment habits
by Tamás Ilyés & Lóránt Varga

2015 Changes in the Pension System: Lessons for Privatisation in the UK /Cambios en el sistema de pensiones: Lecciones para la privatización en el Reino Unido
by BOOTH, PHILIP & NIEMIETZ, KRISTIAN

2015 Lakossági svájcifrank-hitelek árazása - narratíván innen és túl?
by Schepp, Zoltán & Szabó, Zoltán

2015 Jelzáloghitel-törlesztés forintban és devizában - egyszerű modellek
by Simonovits, András & Király, Júlia

2015 The relationship between inflation and financial development in Saudi Arabia
by Abdullah Mohammed Almalki & Khaled Ibrahim Batayneh

2015 Evaluación De La Sensibilidad De La Cuota De Los Préstamos A Interés Variable A La Variación Del Índice De Referencia. Evidencia Empírica En El Mercado Hipotecario Español En El Periodo 2009-2013 / Evaluating The Sensibility Of Adjustable Rate Loan Annuities To Fluctuations Of Interest Rates. Empirical Application In Spanish Mortgage Market 2009-2013
by de Andrés Sánchez, Jorge

2015 Currency-Adjusted Stock Index Causality
by Terrance Jalbert

2015 Relationship Between Female Illness And Savings: Evidence From Japanese Women
by Yoko Mimura & Kim Love-Myers & Janine E. Aronson

2015 Can Assessment Improve How Personal Finance Is Taught?
by Daniel H. Boylan

2015 Residential Property and Household Stock Holdings: Evidence from Japanese Micro Data
by Iwaisako, Tokuo & Ono, Arito & Saito, Amane & Tokuda, Hidenobu

2015 Do we know what we owe? Consumer debt as reported by borrowers and lenders
by Brown, Meta & Haughwout, Andrew F. & Lee, Donghoon & Van der Klaauw, Wilbert

2015 The Welfare Cost of Business Cycles with Heterogeneous Trading Technologies
by Chien, YiLi

2015 The post-1980 debt disinflation: an exercise in historical accounting
by J.W. Mason & Arjun Jayadev

2015 Merchant steering of consumer payment choice: Evidence from a 2012 diary survey
by Stavins, Joanna & Shy, Oz

2015 Long-term portfolio investments: New insight into return and risk
by Abramov, Alexander & Radygin, Alexander & Chernova, Maria

2015 Do lottery payments induce savings behavior? Evidence from the lab
by Filiz-Ozbay, Emel & Guryan, Jonathan & Hyndman, Kyle & Kearney, Melissa & Ozbay, Erkut Y.

2015 Making work pay for the indebted? Assessing the effects of debt services on welfare recipients
by Koning, Pierre

2015 Can the Dutch meet their own retirement expenditure goals?
by de Bresser, Jochem & Knoef, Marike

2015 Personality and young adult financial distress
by Xu, Yilan & Beller, Andrea H. & Roberts, Brent W. & Brown, Jeffrey R.

2015 Effects of informational nudges on consumer debt repayment behaviors
by Jones, Lauren E. & Loibl, Cäzilia & Tennyson, Sharon

2015 Promoting later planned retirement: Construal level intervention impact reverses with age
by van Schie, Ron J.G. & Dellaert, Benedict G.C. & Donkers, Bas

2015 Intergenerational transfer of time and risk preferences
by Brown, Heather & van der Pol, Marjon

2015 Investor happiness
by Merkle, Christoph & Egan, Daniel P. & Davies, Greg B.

2015 Debt out of control: The links between self-control, compulsive buying, and real debts
by Achtziger, Anja & Hubert, Marco & Kenning, Peter & Raab, Gerhard & Reisch, Lucia

2015 The shadow of the past: Financial risk taking and negative life events
by Bucciol, Alessandro & Zarri, Luca

2015 Measuring consumer perceptions of payment mode
by Khan, Jashim & Belk, Russell W. & Craig-Lees, Margaret

2015 Rational and behavioural predictors of pre-retirement cash-outs
by Reyers, Michelle & van Schalkwyk, Cornelis Hendrik & Gouws, Daniël Gerhardus

2015 The causal effect of house prices on mortgage demand and mortgage supply: Evidence from Switzerland
by Basten, Christoph & Koch, Catherine

2015 Social interaction at work
by Hvide, Hans K. & Östberg, Per

2015 State bankruptcy laws and the responsiveness of credit card demand
by Dawsey, Amanda E.

2015 Skills in the marketplace: Market efficiency, social orientation, and ability in a field-based experiment
by Fiala, Nathan

2015 Subjective life horizon and portfolio choice
by Spaenjers, Christophe & Spira, Sven Michael

2015 Social interaction, Internet access and stock market participation—An empirical study in China
by Liang, Pinghan & Guo, Shiqi

2015 Deleveraging and mortgage curtailment
by McCollum, Meagan N. & Lee, Hong & Pace, R. Kelley

2015 Ambiguity aversion and stock market participation: An empirical analysis
by Antoniou, Constantinos & Harris, Richard D.F. & Zhang, Ruogu

2015 Teaching teenagers in finance: Does it work?
by Lührmann, Melanie & Serra-Garcia, Marta & Winter, Joachim

2015 The role of life insurance in an emerging economy: Human capital protection, assets allocation and social interaction
by Shi, Xiaojun & Wang, Hung-Jen & Xing, Chunbing

2015 The effect of objective formulation on retirement decision making
by Butt, Adam & Khemka, Gaurav

2015 Less is more: Increasing retirement gains by using an upside terminal wealth constraint
by Donnelly, Catherine & Gerrard, Russell & Guillén, Montserrat & Nielsen, Jens Perch

2015 Optimal life cycle portfolio choice with variable annuities offering liquidity and investment downside protection
by Horneff, Vanya & Maurer, Raimond & Mitchell, Olivia S. & Rogalla, Ralph

2015 Living up to expectations: Estimating direct and indirect rebound effects for UK households
by Chitnis, Mona & Sorrell, Steve

2015 Is there any dependence between consumer credit line utilization and default probability on a term loan? Evidence from bank-customer data
by Bergerès, Anne-Sophie & d'Astous, Philippe & Dionne, Georges

2015 Microlevel impacts of remittances on household behavior: Viet Nam case study
by Bui, Thi Thanh Nga & Le, Thi Thanh Ngan & Daly, Kevin James

2015 The Impact of Obesity on Consumer Bankruptcy
by Guettabi, Mouhcine & Munasib, Abdul

2015 The surprisingly low importance of income uncertainty for precaution
by Fulford, Scott L.

2015 Gender, stock market participation and financial literacy
by Almenberg, Johan & Dreber, Anna

2015 Social networks as a catalyst of economic change
by Sauter, Nicolas

2015 Cohort and target age effects on subjective survival probabilities: Implications for models of the retirement phase
by Wu, Shang & Stevens, Ralph & Thorp, Susan

2015 Banking the poor via savings accounts: Evidence from a field experiment
by Prina, Silvia

2015 The health care system reform in China: Effects on out-of-pocket expenses and saving
by Atella, Vincenzo & Brugiavini, Agar & Pace, Noemi

2015 Cut your losses and let your profits run: How shifting feelings of personal responsibility reverses the disposition effect
by Aspara, Jaakko & Hoffmann, Arvid O.I.

2015 Cut your losses and let your profits run: How shifting feelings of personal responsibility reverses the disposition effect
by Aspara, Jaakko & Hoffmann, Arvid O.I.

2015 Investment competence and advice seeking
by Bachmann, Kremena & Hens, Thorsten

2015 Investment competence and advice seeking
by Bachmann, Kremena & Hens, Thorsten

2015 Lay people beliefs in professional and naïve stock investors’ proneness to judgmental biases
by Peterson, Daniel & Carlander, Anders & Gamble, Amelie & Gärling, Tommy & Holmen, Martin

2015 Lay people beliefs in professional and naïve stock investors’ proneness to judgmental biases
by Peterson, Daniel & Carlander, Anders & Gamble, Amelie & Gärling, Tommy & Holmen, Martin

2015 Is financial literacy an economic good?
by Castro, Rubén & Fortunato, Andrés

2015 ¿Se comporta el alfabetismo financiero como un bien económico?
by Castro, Rubén & Fortunato, Andrés

2015 Viele Menschen kennen sich auch mit einfachen finanziellen Konzepten zu wenig aus: Sieben Fragen an Antonia Grohmann
by Corporate author

2015 Schule, Eltern und finanzielle Bildung bestimmen das Finanzverhalten
by Antonia Grohmann & Lukas Menkhoff

2015 Vermögensteuer auf Immobilien: Gefahr der Vernachlässigung von Marktsignalen
by Dimitris Christelis

2015 Wealth Taxation of Real Estate During the Greek Crisis: The Perils of Ignoring Market Signals
by Dimitris Christelis

2015 Many People Have Inadequate Understanding of Basic Financial Concepts: Seven Questions to Antonia Grohmann
by Corporate author

2015 School, Parents, and Financial Literacy Shape Future Financial Behavior
by Antonia Grohmann & Lukas Menkhoff

2015 Die Verschuldung der privaten Haushalte in Europa und die Bedeutung eines wirksamen Insolvenzrechts
by Marcus Drometer & Katrin Oesingmann

2015 Household Debt and the Importance of Effective Private Insolvency Laws
by Marcus Drometer & Katrin Oesingmann

2015 Mortgaged to the Hilt: Risks From The Distribution of Household Mortgage Debt
by Craig Alexander & Paul Jacobson

2015 Nouvelles technologies et protection des épargnants : l’action de l’AMF
by Majdi Debbich & Gérard Rameix

2015 Is the Brazilian saving enough to retire?
by Ricardo D. Brito & Paulo T. P. Minari

2015 Monetary and credit developments in 2014
by J. Morenas. & Y. Wicky.

2015 L’évolution de la monnaie et du crédit en 2014
by MORENAS, J. & WICKY, Y.

2015 Ambiguity, Ambiguity Aversion and Reserve of Value in Argentina
by Eduardo Ariel Corso

2015 Household Debt: Facts, Puzzles, Theories, and Policies
by Jonathan Zinman

2015 Contributions to Defined Contribution Pension Plans
by James J. Choi

2015 Cryptocurrency with a Conscience: Using Artificial Intelligence to Develop Money that Advances Human Ethical Values
by Matthew E. Gladden

2015 Overconfident Investors, Predictable Returns, and Excessive Trading
by Kent Daniel & David Hirshleifer

2015 The Impact of Regulation on Mortgage Risk: Evidence from India
by John Y. Campbell & Tarun Ramadorai & Benjamin Ranish

2015 The Effects of Medicare on Medical Expenditure Risk and Financial Strain
by Silvia Helena Barcellos & Mireille Jacobson

2015 Complex Tax Incentives
by Johannes Abeler & Simon Jäger

2015 Is There a Link between Foreclosure and Health?
by Janet Currie & Erdal Tekin

2015 Bankruptcy: Is It Enough to Forgive or Must We Also Forget?
by Ronel Elul & Piero Gottardi

2015 Referrals: Peer Screening and Enforcement in a Consumer Credit Field Experiment
by Gharad Bryan & Dean Karlan & Jonathan Zinman

2015 The Effect of Income on Religiousness
by Thomas Buser

2015 Do Opposites Detract? Intrahousehold Preference Heterogeneity and Inefficient Strategic Savings
by Simone Schaner

2015 Microcredit Impacts: Evidence from a Randomized Microcredit Program Placement Experiment by Compartamos Banco
by Manuela Angelucci & Dean Karlan & Jonathan Zinman

2015 Estimating the Impact of Microcredit on Those Who Take It Up: Evidence from a Randomized Experiment in Morocco
by Bruno Crépon & Florencia Devoto & Esther Duflo & William Parienté

2015 Six Randomized Evaluations of Microcredit: Introduction and Further Steps
by Abhijit Banerjee & Dean Karlan & Jonathan Zinman

2015 The Welfare Economics of Default Options in 401(k) Plans
by B. Douglas Bernheim & Andrey Fradkin & Igor Popov

2015 Yours, Mine, and Ours: Do Divorce Laws Affect the Intertemporal Behavior of Married Couples?
by Alessandra Voena

2015 FOMC Forward Guidance and Investor Beliefs
by Arunima Sinha

2015 Household Asset Allocation, Offspring Education, and the Sandwich Generation
by Vicki L. Bogan

2015 Connecting Student Loans to Labor Market Outcomes: Policy Lessons from Chile
by Harald Beyer & Justine Hastings & Christopher Neilson & Seth Zimmerman

2015 Liquidity in Retirement Savings Systems: An International Comparison
by John Beshears & James J. Choi & Joshua Hurwitz & David Laibson & Brigitte C. Madrian

2015 Bankruptcy Rates among NFL Players with Short-Lived Income Spikes
by Kyle Carlson & Joshua Kim & Annamaria Lusardi & Colin F. Camerer

2015 Testing for the Disposition Effect on Optimal Stopping Decisions
by Jacopo Magnani

2015 The Great Recession and Credit Trends across Income Groups
by Gene Amromin & Leslie McGranahan

2015 The Housing Market(s) of San Diego
by Tim Landvoigt & Monika Piazzesi & Martin Schneider

2015 Debt Relief and Debtor Outcomes: Measuring the Effects of Consumer Bankruptcy Protection
by Will Dobbie & Jae Song

2015 Inequality, Leverage, and Crises
by Michael Kumhof & Romain Rancière & Pablo Winant

2015 Thar SHE Blows? Gender, Competition, and Bubbles in Experimental Asset Markets
by Catherine C. Eckel & Sascha C. Füllbrunn

2015 Bankruptcy as Implicit Health Insurance
by Neale Mahoney

2015 Optimal Annuitization with Stochastic Mortality and Correlated Medical Costs
by Felix Reichling & Kent Smetters

2015 Human Capital Risk, Contract Enforcement, and the Macroeconomy
by Tom Krebs & Moritz Kuhn & Mark L. J. Wright

2015 Disability Insurance and the Dynamics of the Incentive Insurance Trade-Off
by Hamish Low & Luigi Pistaferri

2014 Household Finance after a Natural Disaster: The Case of Hurricane Katrina
by Hartley, Daniel & Gallagher, Justin

2014 Wspolczesne wyzwania rynku finansowego (Contemporary challenges of the financial market)
by

2014 İşsiz Bireylerin Kredi Kartlarına İlişkin Tutum ve Davranışlarının Yapısal Eşitlik Modeliyle İncelenmesi: Eskişehir Örneği
by Özer ÖZAYDIN & Özcan DAĞDEMİR & Murat DOĞAN & Veysel YILMAZ

2014 Skills in the Marketplace: Market Equilibrium, Personality and Ability in a Field-Based Experiment
by Fiala, Nathan

2014 The causal effect of house prices on mortgage demand and mortgage supply
by Christoph Basten & Cathérine Koch

2014 The standard portfolio choice problem in Germany
by Huck, Steffen & Schmidt, Tobias & Weizsäcker, Georg

2014 The long Shadow of Socialism: On East-West German Differences in Financial Literacy
by Bucher-Koenen, Tabea & Lamla, Bettina

2014 Roots of Financial Literacy
by Grohmann, Antonia & Kouwenberg, Roy & Menkhoff, Lukas

2014 Rates of Return and Early Retirement Disincentives: Evidence from a German Pension Reform
by Lüthen, Holger

2014 Financial literacy and financial behavior: Do women lag behind?
by Menkhoff, Lukas & Grohmann, Antonia & Hübler, Olaf & Kouwenberg, Roy

2014 Knowing What Not To Do: Financial Literacy and Consumer Credit Choices
by Jaroszek, Lena & Dick, Christian D.

2014 Can Survey Participation Alter Household Saving Behavior?
by Winter, Joachim & Crossley, Thomas & de Bresser, Jochem & Delaney, Liam

2014 Institutional Reform and Depositors’ Portfolio Choice: Evidence from Censored Quantile Regressions
by Luik, Marc-André & Berlemann, Michael

2014 The portfolio structure of German households: A multinomial fractional response approach with unobserved heterogeneity
by Becker, Gideon

2014 Labor income risk and the reluctance of fouseholds to invest in risky financial assets: A panel data analysis
by Becker, Gideon & Dimpfl, Thomas

2014 Control thyself: Self-control failure and household wealth
by Biljanovska, Nina & Palligkinis, Spyros

2014 Consumption and wage humps in a life-cycle model with education
by Kraft, Holger & Munk, Claus & Seifried, Frank Thomas & Steffensen, Mogens

2014 Life insurance demand under health shock risk
by Kraft, Holger & Schendel, Lorenz S. & Steffensen, Mogens

2014 The role of demographics in small business loan pricing
by Neuberger, Doris & Räthke-Döppner, Solvig

2014 Financial literacy and its consequences in the emerging middleclass
by Grohmann, Antonia & Kouwenberg, Roy & Menkhoff, Lukas

2014 Do remittances increase borrowing?
by Ambrosius, Christian & Cuecuecha, Alfredo

2014 Rates of return and early retirement disincentives: Evidence from a German pension reform
by Lüthen, Holger

2014 Price Level Changes and the Redistribution of Nominal Wealth Across the Euro Area
by Adam, Klaus & Zhu, Junyi

2014 Fitting parsimonious household- portfolio models to data
by Hubar, Sylwia & Koulovatianos, Christos & Li, Jian

2014 The impact of health insurance on stockholding: A regression discontinuity approach
by Christelis, Dimitris & Georgarakos, Dimitris & Sanz-de-Galdeano, Anna

2014 Household saving behavior and credit constraints in the Euro area
by Le Blanc, Julia & Porpiglia, Alessandro & Teppa, Federica & Zhu, Junyi & Ziegelmeyer, Michael

2014 The distribution of debt across euro area countries: The role of individual characteristics, institutions and credit conditions
by Bover, Olympia & Casado, Jose Maria & Costa, Sonia & Du Caju, Philip & McCarthy, Yvonne & Sierminska, Eva & Tzamourani, Panagiota & Villanueva, Ernesto & Zavadil, Tibor

2014 The effects of rewards on tax compliance decisions
by Fochmann, Martin & Kroll, Eike B.

2014 Affective reactions influence investment decisions: Evidence from a laboratory experiment with taxation
by Schüßler, Katharina & Hewig, Johannes & Kiesewetter, Dirk & Fochmann, Martin

2014 The effect of straight-line and accelerated depreciation rules on risky investment decisions: An experimental study
by Ackermann, Hagen & Fochmann, Martin

2014 Real tax effects and tax perception effects in decisions on asset allocation
by Fochmann, Martin & Hemmerich, Kristina

2014 What drives the association between health and portfolio choice?
by Kronenberg, C. & van Kippersluis, H. & Rohde, K.I.M.

2014 Student Loans and Repayment: Theory, Evidence and Policy
by Lance Lochner & Alexander Monge-Naranjo

2014 The Impact of Financial Advice on Trade Performance and Behavioral Biases
by Hoechle, Daniel & Ruenzi, Stefan & Schaub, Nic & Schmid, Markus

2014 Who Holds Credit Cards and Bank Accounts in Uruguay? Evidence from Survey of Uruguayan Households Finances
by Graciela Sanromán & Guillermo Santos

2014 Financial literacy in Colombia seen through the lens of the interest rate bias
by Mantilla, Cesar

2014 Entrepreneurial Saving Practices and Reinvestment : Theory and Evidence
by Beck, T.H.L. & Pamuk, H. & Uras, R.B.

2014 Making Work pay for the Indebted. The Effect of Debt Services on the Exit Rates of Unemployed Individuals
by Pierre Koning

2014 The Optimal Time for Claiming Social Security Benefits: A Methodological Note
by Joseph Friedman

2014 Regional differences in household wealth across Slovakia
by Tibor Zavadil & Teresa Messner

2014 L’évolution en Europe du profil des ménages propriétaires pendant la crise
by Pierre Madec & Sabine Le Bayon

2014 The Liquidity Premium: Commercial Banks versus Microfinance Institutions
by Carolina Laureti & Ariane Szafarz

2014 Household Finances and Well-Being: An Empirical Analysis of Comparison Effects
by Sarah Brown & Daniel Gray

2014 Financial Concerns and Overall Life Satisfaction: A Joint Modelling Approach
by Daniel Gray

2014 The sensitivity of households to interest rate - analysis of the relationship of interest rates and the amount of loans and deposits in the Czech Republic
by Jiri Rotschedl

2014 The Impact of Contactless Payment on Spending
by Tobias Truetsch

2014 Financial literacy: A review of literature
by Elif Akben Selcuk

2014 Distinguishing the Components of Household Financial Wealth: the Impact of Liabilities on Assets in Euro Area Countries
by Merike Kukk

2014 Has Household Indebtedness Hampered Consumption during the Recession? Evidence from Micro Data
by Merike Kukk

2014 The Impact of Health Insurance on Stockholding: A Regression Discontinuity Approach
by Dimitris Christelis & Dimitris Georgarakos & Anna Sanz-de-Galdeano

2014 The Determinants of Household's Bank Switching
by Marianna Brunetti & Rocco Ciciretti & Ljubica Djordjevic

2014 The Effects of Student Loans on Long-Term Household Financial Stability
by Gicheva, Dora & Thompson, Jeffrey

2014 The Changing Way We Pay: Trends in Consumer Payments
by Crystal Ossolinski & Tai Lam & David Emery

2014 Household Saving in Australia
by Richard Finlay & Fiona Price

2014 Has US Household Deleveraging Ended? A Model-Based Estimate of Equilibrium Debt
by Bruno Albuquerque & Ursel Baumann & Georgi Krustev

2014 Determination of Financial Risk Tolerance among Different Household Sectors in Sri Lanka
by Heenkenda, Shirantha

2014 Анализ экономической целесообразности открытия франшизы Subway в Крыму
by Tsoy, Nataly

2014 Loan Refusal, Household Income and Savings in Ghana
by Koomson, Isaac & Annim, Samuel Kobina & Peprah, James Atta

2014 Analysis of deviance in household financial portfolio choice: evidence from Spain
by Callado Muñoz, Francisco Jose & González Chapela, Jorge & Utrero González, Natalia

2014 Линейки Ссудо-Сберегательных Тарифных Планов: Обобщение Идеи Стройсберкасс
by Polterovich, Victor & Starkov, Oleg & Ilinskiy, Dmitry

2014 The relationship between objective and subjective wealth is moderated by financial control and mediated by money anxiety
by Gasiorowska, Agata

2014 Inequalities in the Financial Inclusion in Sri Lanka: An Assessment of the Functional Financial Literacy
by Heenkkenda, Shirantha

2014 Social service delivery and access to financial innovation. The impact of Oportunidades’ electronic payment system in Mexico
by Masino, Serena & Niño-Zarazúa, Miguel

2014 The Life and Work Of Martin Stuart (“Marty”) Feldstein
by Charles Yuji Horioka

2014 Why Do People Leave Bequests? For Love or Self-Interest? Evidence from a New International Survey of Bequest Plans
by Charles Yuji Horioka

2014 El sistema previsional del Perú: Diagnóstico 1996-2013, proyecciones 2014-2050 y reforma
by María Amparo Cruz-Saco & Juan Mendoza & Bruno Seminario

2014 Addressing High Household Debt in Korea
by Randall S. Jones & Myungkyoo Kim

2014 Making the Banking Sector More Resilient and Reducing Household Debt in the Netherlands
by Rafał Kierzenkowski & Olena Havrylchyk & Pierre Beynet

2014 Intergenerational Developments in Household Saving Behaviour
by Mark Vink

2014 The Effect of Public Pension Eligibility Age on Household Saving: Evidence from a New Zealand Natural Experiment
by Talosaga Talosaga & Mark Vink

2014 How financially literate are women? An overview and new insights
by Tabea Bucher-Koenen & Annamaria Lusardi & Rob Alessie & Maarten van Rooij

2014 Does Front-Loading Taxation Increase Savings? Evidence from Roth 401(k) Introductions
by John Beshears & James J. Choi & David Laibson & Brigitte C. Madrian

2014 What are the Headwaters of Formal Savings? Experimental Evidence from Sri Lanka
by Michael Callen & Suresh De Mel & Craig McIntosh & Christopher Woodruff

2014 Retail Financial Advice: Does One Size Fit All?
by Stephen Foerster & Juhani T. Linnainmaa & Brian T. Melzer & Alessandro Previtero

2014 House Prices, Local Demand, and Retail Prices
by Johannes Stroebel & Joseph Vavra

2014 The Effect of Financial Education on the Quality of Decision Making
by Sandro Ambuehl & B. Douglas Bernheim & Annamaria Lusardi

2014 Will They Take the Money and Work? An Empirical Analysis of People's Willingness to Delay Claiming Social Security Benefits for a Lump Sum
by Raimond Maurer & Olivia S. Mitchell & Ralph Rogalla & Tatjana Schimetschek

2014 Housing Collateral, Credit Constraints and Entrepreneurship - Evidence from a Mortgage Reform
by Thais Lærkholm Jensen & Søren Leth-Petersen & Ramana Nanda

2014 Insurance Markets for the Elderly
by Hanming Fang

2014 Household Debt: Facts, Puzzles, Theories, and Policies
by Jonathan Zinman

2014 Assessing Asset Pricing Models Using Revealed Preference
by Jonathan B. Berk & Jules H. van Binsbergen

2014 What Calls to ARMs? International Evidence on Interest Rates and the Choice of Adjustable-Rate Mortgages
by Cristian Badarinza & John Y. Campbell & Tarun Ramadorai

2014 Positive Externalities of Social Insurance: Unemployment Insurance and Consumer Credit
by Joanne W. Hsu & David A. Matsa & Brian T. Melzer

2014 Time Preferences and Consumer Behavior
by David Bradford & Charles Courtemanche & Garth Heutel & Patrick McAlvanah & Christopher Ruhm

2014 Financial Literacy and Retirement Planning in Canada
by David Boisclair & Annamaria Lusardi & Pierre-Carl Michaud

2014 Social Networks as Contract Enforcement: Evidence from a Lab Experiment in the Field
by Arun G. Chandrasekhar & Cynthia Kinnan & Horacio Larreguy

2014 Saving More to Borrow Less: Experimental Evidence from Access to Formal Savings Accounts in Chile
by Felipe Kast & Dina Pomeranz

2014 Visual Tools and Narratives: New Ways to Improve Financial Literacy
by Annamaria Lusardi & Anya Savikhin Samek & Arie Kapteyn & Lewis Glinert & Angela Hung & Aileen Heinberg

2014 Five Steps to Planning Success. Experimental Evidence from U.S. Households
by Aileen Heinberg & Angela A. Hung & Arie Kapteyn & Annamaria Lusardi & Anya Savikhin Samek & Joanne Yoong

2014 Are Americans and Indians More Altruistic than the Japanese and Chinese? Evidence from a New International Survey of Bequest Plans
by Charles Yuji Horioka

2014 Financial Knowledge and 401(k) Investment Performance
by Robert L. Clark & Annamaria Lusardi & Olivia S. Mitchell

2014 Small Victories: Creating Intrinsic Motivation in Savings and Debt Reduction
by Alexander L. Brown & Joanna N. Lahey

2014 The Effectiveness of Mandatory Mortgage Counseling: Can One Dissuade Borrowers from Choosing Risky Mortgages?
by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas Evanoff

2014 Does Greater Inequality Lead to More Household Borrowing? New Evidence from Household Data
by Olivier Coibion & Yuriy Gorodnichenko & Marianna Kudlyak & John Mondragon

2014 Family ties: occupational responses to cope with a household income shock
by Massimo Baldini & Costanza Torricelli & Maria Cesira Urzì Brancati

2014 Family ties: occupational responses to cope with a household income shock
by Massimo Baldini & Costanza Torricelli & Maria Cesira Urzì Brancati

2014 Price Level Changes and the Redistribution of Nominal Wealth Across the Euro Area
by Adam, Klaus & Zhu, Junyi

2014 Consumer debt and financial fragility in Italy
by Barbara CAVALLETTI & Corrado LAGAZIO & Daniela VANDONE & Elena LAGOMARSINO

2014 Savings in times of demographic change: Lessons from the German experience
by Börsch-Supan, Axel & Bucher-Koenen, Tabea & Coppola, Michela & Lamla, Bettina

2014 Should I Stay or Should I Go? The Role of Actuarial Reduction Rates in Individual Retirement Planning in Germany
by Kluth, Sebastian

2014 Household Risk Taking after the Financial Crisis
by Necker, Sarah & Ziegelmeyer, Michael

2014 Survey-Based Assessment of Household Borrowers' Financial Vulnerability
by Mikus Arins & Nadezda Sinenko & Laura Laube

2014 Measuring Poverty using both Income and Wealth: A Cross-Country Comparison between the U.S. and Spain
by Francisco Azpitarte

2014 Measuring Poverty using both Income and Wealth: A Cross-Country Comparison between the U.S. and Spain
by Francisco Azpitarte

2014 Euler Equation Estimation: Children and Credit Constraints
by Thomas Høgholm Jørgensen

2014 Life-Cycle Consumption and Children
by Thomas H. Jørgensen

2014 An Experimental Study of Intergenerational Altruism with Parent-Child Pairs
by Hideo Akabayashi & Akiko Kamesaka & Ryosuke Nakamura & Masao Ogaki & Teruyuki Tamura

2014 Strategic or Non-Strategic: The Role of Financial Benefit in Bankruptcy
by Li Gan & Tarun Sabarwal & Shuoxun Zhang

2014 The Impact of Health Insurance on Stockholding: A Regression Discontinuity Approach
by Christelis, Dimitris & Georgarakos, Dimitris & Sanz-de-Galdeano, Anna

2014 Household Finances and Well-Being: An Empirical Analysis of Comparison Effects
by Brown, Sarah & Gray, Daniel

2014 Household Finances and Social Interaction: Bayesian Analysis of Household Panel Data
by Brown, Sarah & Ghosh, Pulak & Taylor, Karl

2014 Does Greater Inequality Lead to More Household Borrowing? New Evidence from Household Data
by Coibion, Olivier & Gorodnichenko, Yuriy & Kudlyak, Marianna & Mondragon, John

2014 Behavioral determinants of home bias - theory and experiment
by Dennis Dlugosch & Kristian Horn & Mei Wang

2014 The impact of financial education on adolescents' intertemporal choices
by Melanie Lührmann & Marta Serra-Garcia & Joachim K. Winter

2014 Measuring Adequacy of Retirement Savings
by John Burnett & Kevin Davis & Carsten Murawski & Roger Wilkins & Nicholas Wilkinson

2014 Gambling to Leapfrog in Status?
by Mario Mechtel & Tim Friehe

2014 日本の家計のポートフォリオ選択：居住用不動産が株式保有に及ぼす影響
by 祝迫, 得夫 & 小野, 有人 & 齋藤, 周 & 徳田, 秀信

2014 Mortgage Loan Characteristics , Unobserved Heterogeneity and the Performance of United Kingdom Securitised Sub-Prime Loans
by Lanot, Gauthier & Leece, David

2014 Evaluating the Link between Consumers' Savings Portfolio Decisions, their Inflation Expectations and Economic News
by Eva Arnold & Lena Dräger & Ulrich Fritsche

2014 Equity risk versus retirement adequacy: Asset allocation solutions for KiwiSaver
by Kirsten L MacDonald & Robert J Bianchi & Michael E Drew

2014 Livestock as an Imperfect Buffer Stock in Poorly Integrated Markets
by Simon Lange & Malte Reimers

2014 Does Greater Inequality Lead to More Household Borrowing? New Evidence from Household Data
by Coibion, Olivier & Gorodnichenko, Yuriy & Kudlyak, Marianna & Mondragon, John

2014 Identity theft as a teachable moment
by Cheney, Julia S. & Hunt, Robert M. & Mikhed, Vyacheslav & Ritter, Dubravka & Vogan, Michael

2014 Financial benefits, travel costs, and bankruptcy
by Mikhed, Vyacheslav & Scholnick, Barry

2014 Consumer use of fraud alerts and credit freezes: an empirical analysis
by Cheney, Julia S. & Hunt, Robert M. & Mikhed, Vyacheslav & Ritter, Dubravka & Vogan, Michael

2014 Tuition, jobs, or housing: what's keeping millennials at home?
by Bleemer, Zachary & Brown, Meta & Lee, Donghoon & Van der Klaauw, Wilbert

2014 Measuring student debt and its performance
by Lee, Donghoon & Van der Klaauw, Wilbert & Haughwout, Andrew F. & Brown, Meta & Scally, Joelle

2014 Health and Mortality Delta: Assessing the Welfare Cost of Household Insurance Choice
by Yogo, Motohiro & Koijen, Ralph S.J. & Van Nieuwerburgh, Stijn

2014 Consumer Debt Dynamics: Follow the Increasers
by Braxton, John Carter & Knotek, Edward S.

2014 Nudging credit scores in the field: the effect of text reminders on creditworthiness in the United States
by Bracha, Anat & Meier, Stephan

2014 Consumer cash usage: a cross-country comparison with payment diary survey data
by Bagnall, John & Bounie, David & Huynh, Kim P. & Kosse, Anneke & Schmidt, Tobias & Schuh, Scott & Stix, Helmut

2014 Merchant steering of consumer payment choice: evidence from a 2012 Diary survey
by Shy, Oz & Stavins, Joanna

2014 U.S. consumers' holdings and use of $100 bills
by Greene, Claire & Schuh, Scott

2014 The 2011 and 2012 Surveys of Consumer Payment Choice: technical appendix
by Angrisani, Marco & Foster, Kevin & Hitczenko, Marcin

2014 The 2011 and 2012 Surveys of Consumer Payment Choice
by Schuh, Scott & Stavins, Joanna

2014 The Wealth of Households: An Analysis of the 2013 Survey of Consumer Finances
by David Rosnick & Dean Baker

2014 Does a financial crisis make consumers increasingly prudent?
by Noordegraaf-Eelens, L.H.J. & Franses, Ph.H.B.F.

2014 Alfabetismo financiero en jóvenes mexicanos de 15 a 18 años
by F. Alejandro Villagómez

2014 Co-residence, Life-Cycle Savings and Inter- Generational Support in Urban China
by Mark Rosenzweig & Junsen Zhang

2014 Offsets to compulsory superannuation: do people consciously choose their level of retirement saving?
by Akshay Shanker & Sacha Vidler

2014 Distinguishing the components of household financial wealth: the impact of liabilities on assets in Euro Area countries
by Merike Kukk

2014 Co-residence, Life-Cycle Savings and Inter-generational Support in Urban China
by Rosenzweig, Mark R. & Zhang, Junsen

2014 Unbanked Households: Evidence of Supply-Side Factors
by Matray , Adrien & Celerier , Claire

2014 Mortgage risks, debt literacy and financial advice
by Raun van Ooijen & Maarten van Rooij

2014 Cash versus debit card: the role of budget control
by Lola Hernandez & Nicole Jonker & Anneke Kosse

2014 Household saving behaviour and credit constraints in the Euro area
by Julia Le Blanc & Alessandro Porpiglia & Federica Teppa & Junyi Zhu & Michael Ziegelmeyer

2014 Rates of Return and Early Retirement Disincentives: Evidence from a German Pension Reform
by Holger Lüthen

2014 John Doe's Old-Age Provision: Dollar Cost Averaging and Time Diversification
by Dirk Ulbricht

2014 The Standard Portfolio Choice Problem in Germany
by Steffen Huck & Tobias Schmidt & Georg Weizsäcker

2014 Making access to credit more democratic: tools and practices between social innovation and old inequalities
by Valentina Moiso

2014 Entrepreneurial Saving Practices and Reinvestment: Theory and Evidence from Tanzanian MSEs
by Thorsten Beck & Haki Pamuk & Burak R. Uras

2014 Price Level Changes and the Redistribution of Nominal Wealth Across the Euro Area
by Adam, Klaus & Zhu, Junyi

2014 Corporate Scandals and Household Stock Market Participation
by Giannetti, Mariassunta & Wang, Tracey Yue

2014 Housing Collateral, Credit Constraints and Entrepreneurship - Evidence from a Mortgage Reform
by Laerkholm Jensen, Thais & Leth-Petersen, Søren & Nanda, Ramana

2014 Are Information Disclosure Mandates Effective? Evidence from the Credit Card Market
by Alan Elizondo & Enrique Seira

2014 Borrowing on the Wrong Credit Card:Evidence from Mexico
by Alejandro Ponce & Enrique Seira & Guillermo Zamarripa

2014 Understanding Latin America’s Financial Inclusion Gap - Working Paper 367
by Liliana Rojas-Suarez and Maria Alejandra Amado

2014 Homeownership and Entrepreneurship: The Role of Mortgage Debt and Commitment
by Philippe Bracke & Christian Hilber & Olmo Silva

2014 Adults' Financial Literacy and Households' Financial Assets: The Role of Banks Information Policies
by Margherita Fort & Francesco Manaresi & Serena Trucchi

2014 The Impact of Financial Education on Adolescents' Intertemporal Choices
by Melanie Lührmann & Marta Serra-Garcia & Joachim Winter

2014 Crowding Out of Long-Term Care Insurance: Evidence from European Expectations Data
by Joan Costa-i-Font & Christophe Courbage

2014 Hidden Skewness: On the Difficulty of Multiplicative Compounding under Random Shocks
by Ludwig Ensthaler & Olga Nottmeyer & Georg Weizsäcker & Christian Zankiewicz

2014 When Commitment Fails - Evidence from a Regular Saver Product in the Philippines
by Anett John (née Hofmann)

2014 Just a Few Cents Each Day: Can Fixed Regular Deposits Overcome Savings Constraints?
by Anett John (née Hofmann)

2014 Wealth decumulation, portfolio composition and financial literacy among European elderly
by Agnese Romiti & Mariacristina Rossi

2014 Modelling default transitions in the UK mortgage market
by McCann, Fergal

2014 Deleveraging in a highly indebted property market: Who does it and are there implications for household consumption?
by McCarthy, Yvonne & McQuinn, Kieran

2014 The distribution of debt across Euro Area countries: The role of individual characteristics, institutions and credit conditions
by Bover, Olympia & Casado, Jose Maria & Costa, Sonia & Du Caju, Philip & McCarthy, Yvonne & Sierminska, Eva & Tzamourani, Panagiota & Villanueva, Ernesto & Zavadil, Tibor

2014 Dis-entangling the mortgage arrears crisis: The rolw of the labour market, income volatility and housing equity
by McCarthy, Yvonne

2014 Childhood experience of father's job loss and stock market participation
by Lehtoranta, Antti

2014 The surprisingly low importance of income uncertainty for precaution
by Scott Fulford

2014 Access to Consumer Credit in the UK
by Solomon Y. Deku & Alper Kara & Phil Molyneux

2014 Paper or plastic? Payment instrument choice in Uruguay
by Rodrigo Lluberas & Joaquín Saldain

2014 Are Information Disclosure Mandates Effective? Evidence from the Credit Card Market
by Alan Elizondo & Enrique Seira

2014 Borrowing on the Wrong Credit Card: Evidence from Mexico
by Alejandro Ponce & Enrique Seira & Guillermo Zamarripa

2014 A microsimulation model to evaluate Italian households� financial vulnerability
by Valentina Michelangeli & Mario Pietrunti

2014 Household saving behaviour and credit constraints in the euro area
by Julia Le Blanc & Alessandro Porpiglia & Federica Teppa & Junyi Zhu & Michael Ziegelmeyer

2014 Household Risk Taking after the Financial Crisis
by Sarah Necker & Michael Ziegelmeyer

2014 Macroeconomic Experiences and Risk Taking of Euro Area Households
by Miguel Ampudia & Michael Ehrmann

2014 Factors that Matter for Financial Inclusion: Evidence from Peru
by Noelia Camara & Ximena Pena & David Tuesta

2014 Educación e Inclusión Financieras en América Latina y el Caribe: Programas de los bancos centrales y las superintendencias financieras Banco de la República y CEMLA
by María José Roa García & Gloria A. Alonso Másmela & Nidia García Bohórquez & Diego Andrés Rodríguez Pinilla

2014 Financial Education and Inclusion in Latin America and the Caribbean: Programs of Central Banks and Financial Superintendencies
by María José Roa García & Gloria A. Alonso Másmela & Nidia García Bohórquez & Diego Andrés Rodríguez Pinilla

2014 Microfinanzas: evolución histórica de sus instituciones y de su impacto en el desarrollo
by María Luisa Garayalde Niño & Sara González Fernández & Juan Mascareñas Pérez-Iñigo

2014 Consumer Inertia, Choice Dependence, and Learning from Experience in a Repeated Decision Problem
by Eugenio J. Miravete & Ignacio Palacios-Huerta

2014 Liquidity Constraints and Consumer Bankruptcy: Evidence from Tax Rebates
by Tal Gross & Matthew J. Notowidigdo & Jialan Wang

2014 Information Sharing and Stock Market Participation: Evidence from Extended Families
by Geng Li

2014 Planowanie finansow osobistych (zarzadzanie finansami osobistymi) z udzialem doradcow finansowych – znaczenie dla gospodarstw domowych i gospodarki . (Personal financial planning (personal financial management) with the participation of financial advisers – significance for households and the economy.)
by Krzysztof Waliszewski

2014 Preferences for Risk in Dynamic Models with Adjustment Costs
by Galina Vereshchagina

2014 The Impact of Contactless Payment on Spending
by Tobias Trütsch

2014 Peculiarities of selection of iInvestment artworks
by Daiva Jurevičienė & Božena Kostecka

2014 An Empirical Study of Financial Literacy versus Risk Tolerance Among Higher Education Students
by Katalin Huzdik & Dániel Béres & Erzsébet Németh

2014 What Influences the Savings Decisions of the Hungarian Population?
by Annamária Horváthné Kökény & Zsuzsanna Széles

2014 Analysis of the Factors that influence the financial literacy of young people studying in higher education
by Alexandra Luksander, Dániel Béres, Katalin Huzdik, Erzsébet Németh

2014 Saving in Foreign Currency
by Niþu Oana & Niþu Claudiu Valentin & Tileagã Cosmin

2014 Principle Of Fairness In Regard To Personal Income Tax
by Renata Peric & Emina Jerkovic

2014 Economic Circumstances And Personal Finance Management
by Branko Matic & Hrvoje Serdarusic & Maja Vretenar Cobovic

2014 Risk-Bearing Capacity of Households – Linking Micro-Level Data to the Macroprudential Toolkit
by Nicolas Albacete & Judith Eidenberger & Gerald Krenn & Peter Lindner & Michael Sigmund

2014 How Did CESEE Households Weather the Crisis? Evidence from the OeNB Euro Survey
by Majken Corti & Thomas Scheiber

2014 Household indebtedness : evolution and distribution
by Ph. Du Caju & Th. Roelandt & Chr. Van Nieuwenhuyze & M.-D. Zachary

2014 Evidences of investors’ risk tolerance in Nairobi securities exchange: Does education or specialization matter?
by Tobias Olweny

2014 A Microsimulation Model to evaluate Italian Households’ Financial Vulnerability
by Valentina Michelangeli & Mario Pietrunti

2014 Students Use And Manegement Of Credit Cards, Uso Y Manejo Del Credito En Estudiantes Universitarios
by Karen C. Castro-Gonzalez & Cristina Delgado-Ortiz & Jomar Rodriguez-Madera

2014 Financial Literacy And Retirement Planning: Evidence From Puerto Rico
by Karen C. Castro-González

2014 Baby-Boomers and the Romanian Financial System
by Tudor Ciumara

2014 Asset Holdings of Young Households: Trends and Patterns
by Merry, Ellen A. & Thomas, Logan

2014 Toward Healthy Balance Sheets: Are Savings Accounts a Gateway to Young Adults’ Asset Diversification and Accumulation?
by Friedline, Terri & Johnson, Paul & Hughes, Robert

2014 The State of Young Adults’ Balance Sheets: Evidence from the Survey of Consumer Finances
by Dettling, Lisa J. & Hsu, Joanne W.

2014 Las políticas públicas para promover la previsión social complementaria
by Juan Yermo

2014 Self-attribution bias in consumer financial decision-making: How investment returns affect individuals’ belief in skill
by Hoffmann, Arvid O.I. & Post, Thomas

2014 Retirement savings investment choices: Sophisticated or naive?
by Gerrans, Paul & Yap, Ghialy

2014 Financial literacy and mortgage equity withdrawals
by Duca, John V. & Kumar, Anil

2014 Household finances and the ‘Big Five’ personality traits
by Brown, Sarah & Taylor, Karl

2014 Mortgage choice, house price externalities, and the default rate
by Shi, Xinyan & Riley, Sarah F.

2014 Take-up of mortgage assistance for distressed homeowners: The role of geographic accessibility
by Russell, Blair D. & Moulton, Stephanie & Greenbaum, Robert T.

2014 Income hedging and portfolio decisions
by Bonaparte, Yosef & Korniotis, George M. & Kumar, Alok

2014 Stock market returns and annuitization
by Previtero, Alessandro

2014 Predatory lending and the subprime crisis
by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D.

2014 Risk tolerance and entrepreneurship
by Hvide, Hans K. & Panos, Georgios A.

2014 Are risk-seekers more optimistic? Non-parametric approach
by Weinstock, Eyal & Sonsino, Doron

2014 Do positional goods inhibit saving? Evidence from a life-cycle experiment
by Feltovich, Nick & Ejebu, Ourega-Zoé

2014 Credit card borrowing and the monoamine oxidase A (MAOA) gene
by De Neve, Jan-Emmanuel & Fowler, James H.

2014 Savings and prize-linked savings accounts
by Atalay, Kadir & Bakhtiar, Fayzan & Cheung, Stephen & Slonim, Robert

2014 Everyone believes in redemption: Nudges and overoptimism in costly task completion
by Tasoff, Joshua & Letzler, Robert

2014 Long term savings decisions: Financial reform, peer effects and ethnicity
by Mugerman, Yevgeny & Sade, Orly & Shayo, Moses

2014 Payday loans and consumer financial health
by Bhutta, Neil

2014 Loss severities on residential real estate debt during the Great Recession
by Andersson, Fredrik & Mayock, Tom

2014 Credit CARD Act of 2009: What did banks do?
by Jambulapati, Vikram & Stavins, Joanna

2014 Prepayment behaviors of Japanese residential mortgages
by Kishimoto, Naoki & Kim, Yong-Jin

2014 Factors associated with financial literacy among high school students in New Zealand
by Cameron, Michael P. & Calderwood, Richard & Cox, Ashleigh & Lim, Steven & Yamaoka, Michio

2014 The cross-section of speculator skill: Evidence from day trading
by Barber, Brad M. & Lee, Yi-Tsung & Liu, Yu-Jane & Odean, Terrance

2014 Insurance demand and first-order risk increases under (μ,σ)-preferences revisited
by Eichner, Thomas & Wagener, Andreas

2014 Effects of the BAPCPA on the chapter composition of consumer bankruptcies
by Cornwell, Christopher & Xu, Bing

2014 Dynamic asset allocation when bequests are luxury goods
by Ding, Jie & Kingston, Geoffrey & Purcal, Sachi

2014 The minimal impact of a large-scale financial education program in Mexico City
by Bruhn, Miriam & Lara Ibarra, Gabriel & McKenzie, David

2014 The demand for insurance against common shocks
by de Janvry, A. & Dequiedt, V. & Sadoulet, E.

2014 When a son is born: The impact of fertility patterns on family finance in rural China
by Ding, Weili & Zhang, Yuan

2014 Speculating in gains, waiting in losses: A closer look at the disposition effect
by Talpsepp, Tõnn & Vlcek, Martin & Wang, Mei

2014 Speculating in gains, waiting in losses: A closer look at the disposition effect
by Talpsepp, Tõnn & Vlcek, Martin & Wang, Mei

2014 Die Tücken des Zinseszinseffekts: Privatanleger unterschätzen Verlustrisiken bei Finanzprodukten
by Christian Zankiewicz

2014 Invalidität als Armutsrisiko - können private Berufsunfähigkeitsrenten die Versorgungslücken schließen?: Analyseergebnisse einer unabhängigen Testorganisation
by Barbara Sternberger-Frey

2014 Reformoptionen für die kapitalgedeckte Altersvorsorge: eine kritische Analyse
by Thomas Lueg & Peter Schwark

2014 Pitfalls of Compound Interest Effect: Private Investors Underestimate Loss Risks of Financial Products
by Christian Zankiewicz

2014 Sparen, wenn das Geld gerade so zum Leben reicht: Das Risiko des Abbruchs privater Altersvorsorge unter den Rahmenbedingungen von Riester-Förderung und Sozialgesetzbuch II
by Christina Wübbeke

2014 Comportamiento de los ingresos por comisiones bancarias en Colombia durante el periodo 2006-2010
by Roberto Stein Bronfman

2014 L'évolution en Europe du profil des ménages propriétaires pendant la crise
by Sabine Le Bayon & Pierre Madec

2014 L’intérêt des Français pour l’économie et leur perception de la situation économique en 2014. Résultats du sondage présentés aux Journées de l’économie
by HAAS, P.

2014 L’évolution de la monnaie et du crédit en 2013
by ROERO, C.

2014 Insurance culture of young people in Bulgaria
by Alexander Aldev & Mihaela Mihaleva & Evgeny Evgeniev

2014 Italian households and mortgages affordability index
by Vincenzo Chiorazzo & Pierluigi Morelli

2014 Financing Old Age Dependency
by Shinichi Nishiyama & Kent Smetters

2014 The Economic Importance of Financial Literacy: Theory and Evidence
by Annamaria Lusardi & Olivia S. Mitchell

2014 The Dividend Clientele Hypothesis: Evidence from the 2003 Tax Act
by Laura Kawano

2014 Fiscal Policy and MPC Heterogeneity
by Tullio Jappelli & Luigi Pistaferri

2014 "Fisher Dynamics" in US Household Debt, 1929-2011
by J. W. Mason & Arjun Jayadev

2014 The Distributive Impacts of Financial Development: Evidence from Mortgage Markets during US Bank Branch Deregulation
by Ishani Tewari

2014 Mortgage Modification and Strategic Behavior: Evidence from a Legal Settlement with Countrywide
by Christopher Mayer & Edward Morrison & Tomasz Piskorski & Arpit Gupta

2014 Wall Street and the Housing Bubble
by Ing-Haw Cheng & Sahil Raina & Wei Xiong

2014 Who Is (More) Rational?
by Syngjoo Choi & Shachar Kariv & Wieland M?ller & Dan Silverman

2014 All for One? Family Size and Children's Educational Distribution under Credit Constraints
by Jeanne Lafortune & Soohyung Lee

2014 Disparities in Wealth Accumulation and Loss from the Great Recession and Beyond
by Signe-Mary McKernan & Caroline Ratcliffe & Eugene Steuerle & Sisi Zhang

2014 The Aggregate Impact of Household Saving and Borrowing Constraints: Designing a Field Experiment in Uganda
by Joseph P. Kaboski & Molly Lipscomb & Virgiliu Midrigan

2014 Retirement Security in an Aging Population
by James M. Poterba

2014 Risk and Precautionary Saving in Two-Person Households
by Patricia Apps & Yuri Andrienko & Ray Rees

2014 How Financial Incentives Induce Disability Insurance Recipients to Return to Work
by Andreas Ravndal Kostol & Magne Mogstad

2014 Consumption and Debt Response to Unanticipated Income Shocks: Evidence from a Natural Experiment in Singapore
by Sumit Agarwal & Wenlan Qian

2014(XXIV) The psychological cost of saving – an agent-based modelling approach
by Elena DRUICA & Rodica IANOLE & Viorel CORNESCU

2013 Knowing what not to do: Financial literacy and consumer credit choices
by Dick, Christian D. & Jaroszek, Lena M.

2013 Discharge of residual debt: Do private and institutional lenders differ?
by Kirchkamp, Oliver & Prömpers, Henning

2013 Saving and Consumption When Children Move Out
by Klos, Alexander & Rottke, Simon

2013 The effects of financial literacy training: Evidence from a field experiment in German high schools
by Winter, Joachim & Lührmann, Melanie & Serra Garcia, Marta

2013 Consumption habits and humps
by Kraft, Holger & Munk, Claus & Seifried, Frank Thomas & Wagner, Sebastian

2013 Twin picks: Disentangling the determinants of risk-taking in household portfolios
by Calvet, Laurent E. & Sodini, Paolo

2013 Urbanization in China and how urban housing demand can be met
by Gottschalch, Sören

2013 Die Auswirkungen des Steuersystemwechsels vom Halbeinkünfteverfahren zur Abgeltungssteuer auf die Ausschüttungspolitik von Unternehmen
by Podlech, Nils

2013 Die Auswirkungen des Steuersystemwechsels vom Halbeinkünfteverfahren zur Abgeltungssteuer auf die Ausschüttungspolitik von Unternehmen
by Podlech, Nils

2013 The effect of awareness and incentives on tax evasion
by Alstadsæter, Annette & Jacob, Martin

2013 A Micro Level Perspective of Euroization in Albania
by Edlira Narazani

2013 Factors Associated with Financial Literacy among High School Students
by 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
by Michael P. Cameron & Richard Calderwood & Ashleigh Cox & Steven Lim & Michio Yamaoka

2013 Financial Risk Aversion and Personal Life History
by Alessandro Bucciol & Luca Zarri

2013 As Easy as Pie: How Retirement Savers use Prescribed Investment Disclosures
by Hazel Bateman & Isabella Dobrescu & Ben R. Newell & Andreas Ortmann & Susan Thorp

2013 Deposit Withdrawals from Distressed Commercial Banks: The Importance of Switching Costs
by Brown, Martin & Guin, Benjamin & Morkoetter, Stefan

2013 Relationship Banking in the Residential Mortgage Market? Evidence from Switzerland
by Brown, Martin & Hoffmann, Matthias

2013 Present-bias in different income groups
by Erdem O. & Can B.

2013 Asset market participation and portfolio choice over the life-cycle
by Andreas Fagereng & Charles Gottlieb & Luigi Guiso

2013 The health care system reform in China: effects on out-of-pocket expenses and saving
by Vincenzo Atella & Agar Brugiavini & Noemi Pace

2013 Teaching the Economics of Income Tax Evasion
by Cebula, Richard & Foley, Maggie

2013 Разработка И Исследование Ссудо-Сберегательных Программ Ипотечного Кредитования: Динамическая Модель
by Polterovich, Victor & Starkov, Oleg & Ilinskiy, Dmitry

2013 Famiglia e pressione fiscale
by Campiglio, Luigi Pierfranco

2013 The Role of Islamic Banking System as the Milestone towards Indonesia Micro Economy Development
by Rahajeng, DIAN

2013 Factors Influencing Portfolio Yield of Microfinance Institutions in Central Asia
by Janda, Karel & Turbat, Batbayar

2013 Financial freedom experience of Indian Male and Female Executives
by Raval, Vishvesh & Vyas, Khyati

2013 Skrócona wersja Skali Postaw Wobec Pieniędzy SPP-25. Dobór pozycji i walidacja narzędzia
by Gasiorowska, Agata

2013 The Impact of Insurance Provision on Households’ Production and Financial Decisions
by Cai, Jing

2013 Do Hypothetical Experiences Affect Real Financial Decisions? Evidence from Insurance Take-up
by Cai, Jing & Song, Changcheng

2013 Skala Postaw Wobec Pieniędzy SPP: Konstrukcja i walidacja narzędzia pomiarowego
by Gasiorowska, Agata

2013 Endogenous financial literacy, saving and stock market participation
by Spataro, Luca & Corsini, Lorenzo

2013 A Model of Non-Belief in the Law of Large Numbers
by Collin Raymond & Daniel J. Benjamin & Matthew Rabin

2013 Promoting Financial Inclusion through Financial Education: OECD/INFE Evidence, Policies and Practice
by Adele Atkinson & Flore-Anne Messy

2013 Financial Education in Latin America and the Caribbean: Rationale, Overview and Way Forward
by Nidia García & Andrea Grifoni & Juan Carlos López & Diana Mejía

2013 Time is Money: Life Cycle Rational Inertia and Delegation of Investment Management
by Hugh Hoikwang Kim & Raimond Maurer & Olivia S. Mitchell

2013 Consumer Credit: Too Much or Too Little (or Just Right)?
by Jonathan Zinman

2013 Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market
by Sumit Agarwal & Itzhak Ben-David & Vincent Yao

2013 Predatory Lending and the Subprime Crisis
by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas D. Evanoff

2013 How Product Standardization Affects Choice: Evidence from the Massachusetts Health Insurance Exchange
by Keith M. Marzilli Ericson & Amanda Starc

2013 Regulating Consumer Financial Products: Evidence from Credit Cards
by Sumit Agarwal & Souphala Chomsisengphet & Neale Mahoney & Johannes Stroebel

2013 Household Finance: Education, Permanent Income and Portfolio Choice
by Russell Cooper & Guozhong Zhu

2013 On Measuring Time Preferences
by James Andreoni & Michael A. Kuhn & Charles Sprenger

2013 Recent Changes in the Gains from Delaying Social Security
by John B. Shoven & Sita Nataraj Slavov

2013 Optimal Annuitization with Stochastic Mortality Probabilities
by Felix Reichling & Kent Smetters

2013 Optimal Life Cycle Portfolio Choice with Variable Annuities Offering Liquidity and Investment Downside Protection
by Vanya Horneff & Raimond Maurer & Olivia S. Mitchell & Ralph Rogalla

2013 Who Uses the Roth 401(k), and How Do They Use It?
by John Beshears & James J. Choi & David Laibson & Brigitte C. Madrian

2013 Medicaid Insurance in Old Age
by Mariacristina De Nardi & Eric French & John Bailey Jones

2013 Loans for Higher Education: Does the Dream Come True?
by Tomás Rau & Eugenio Rojas & Sergio Urzúa

2013 Do Lottery Payments Induce Savings Behavior: Evidence from the Lab
by Emel Filiz-Ozbay & Jonathan Guryan & Kyle Hyndman & Melissa Schettini Kearney & Erkut Y. Ozbay

2013 Borrowing High vs. Borrowing Higher: Sources and Consequences of Dispersion in Individual Borrowing Costs
by Victor Stango & Jonathan Zinman

2013 Financial Education and Choice in State Public Pension Systems
by Julie Agnew & Joshua Hurwitz

2013 Sales Force and Competition in Financial Product Markets: The Case Of Mexico’s Social Security Privatization
by Justine S. Hastings & Ali Hortaçsu & Chad Syverson

2013 Ambiguity Aversion and Household Portfolio Choice: Empirical Evidence
by Stephen G. Dimmock & Roy Kouwenberg & Olivia S. Mitchell & Kim Peijnenburg

2013 The distribution of debt across euro area countries: The role of individual characteristics, institutions and credit conditions
by Olympia Bover & Jose Maria Casado & Sonia Costa & Philip Du Caju & Yvonne McCarthy & Eva Sierminska & Panagiota Tzamourani & Ernesto Villanueva & Tibor Zavadil

2013 Financial Literacy and Remittance Behaviour of Skilled and Unskilled Immigrant Groups in Australia
by Wasana Karunarathne & John Gibson

2013 Religious Activity, Risk Taking Preferences, and Financial Behaviour: Empirical Evidence from German Survey Data
by Anja Koebrich Leon & Christian Pfeifer

2013 Religion and Economic Outcomes – Household Savings Behavior in the USA
by Anja Koebrich Leon

2013 Analytical Guidance for Fitting Parsimonious Household-Portfolio Models to Data
by Sylwia Hubar & Christos Koulovatianos & Jian Li

2013 Making Work Pay for the Indebted: The Effect of Debt Services on the Exit Rates of Unemployed Individuals
by Koning, Pierre

2013 Homeownership and Entrepreneurship: The Role of Commitment and Mortgage Debt
by Bracke, Philippe & Hilber, Christian & Silva, Olmo

2013 Myopic Loss Aversion under Ambiguity and Gender Effects
by Iñigo Iturbe-Ormaetxe Kortajarene & Giovanni Ponti & Josefa Tomás

2013 Financial Literacy, Financial Behaviour and Individuals’ Over-indebtedness
by Elisabete Santos & Margarida Abreu

2013 In search of inclusion: informal sector participation in a voluntary, defined contribution pension system
by Renuka Sane & Susan Thomas

2013 The real cost of credit constraints: Evidence from micro-finance
by Renuka Sane & Susan Thomas

2013 Estimating losses to customers on account of mis-selling life insurance policies in India
by Monika Halan & Renuka Sane & Susan Thomas

2013 The Influence of Decision Costs on Investments in Indivudual Savings Accounts
by Justin van de Ven

2013 Informal loans in Russia: credit rationing or borrower’s choice?
by Maria Semenova & Victoria Rodina

2013 The Influence of Non-Cognitive and Cognitive Ability on Individuals’ Stock Market Participation
by Gyllenram, André & Hanes, Niklas & Hellström, Jörgen

2013 Housing Choices and Labor Income Risk
by Jansson, Thomas

2013 Saving More to Borrow Less: Experimental Evidence from Access to Formal Savings Accounts in Chile
by Felipe Kast & Dina Pomeranz

2013 Residential Migration, Entry, and Exit as Seen Through the Lens of Credit Bureau Data
by Wardrip, Keith & Hunt, Robert M.

2013 Financial education and the debt behavior of the young
by Brown, Meta & Van der Klaauw, Wilbert & Wen, Jaya & Zafar, Basit & Grigsby, John

2013 Rushing into American Dream? House Prices, Timing of Homeownership, and Adjustment of Consumer Credit
by Agarwal, Sumit & Hu, Luojia & Huang, Xing

2013 How many cards do you use?
by Shy, Oz

2013 Security of retail payments: the new strategic objective
by Stavins, Joanna

2013 The Credit CARD Act of 2009: what did banks do?
by Jambulapati, Vikram & Stavins, Joanna

2013 The 2010 Survey of Consumer Payment Choice: technical appendix
by Angrisani, Marco & Foster, Kevin & Hitczenko, Marcin

2013 The 2010 Survey of Consumer Payment Choice
by Foster, Kevin & Schuh, Scott & Zhang, Hanbing

2013 Can't Pay or Won't Pay? Unemployment, Negative Equity, and Strategic Default
by Gerardi, Kristopher & Herkenhoff, Kyle F. & Ohanian, Lee E. & Willen, Paul S.

2013 Towards a Material Culture of Financialisation
by Ben Fine

2013 Financial Literacy, Financialisation and Neo-liberalism
by Ana C. Santos

2013 Asset Market Participation and Portfolio Choice over the Life-Cycle
by Andreas Fagereng & Charles Gottlieb & Luigi Guiso

2013 New Policies for an Older Unemployed Population
by Joelle Saad-Lessler & Teresa Ghilarducci

2013 Subjective Life Horizon and Portfolio Choice
by Spaenjers , Christophe & Spira, Sven Michael

2013 When does the general public lose trust in banks?
by David-Jan Jansen & Robert Mosch & Carin van der Cruijsen

2013 Heterogeneity in house price dynamics
by Gabriele Galati & Federica Teppa & Rob Alessie

2013 Hidden Skewness: On the Difficulty of Multiplicative Compounding under Random Shocks
by Ludwig Ensthaler & Olga Nottmeyer & Georg Weizsäcker & Christian Zankiewicz

2013 Savings and Consumption When Children Move Out
by Simon Rottke & Alexander Klos

2013 Asset Market Participation and Portfolio Choice over the Life Cycle
by Fagereng, Andreas & Gottlieb, Charles & Guiso, Luigi

2013 Risk tolerance and entrepreneurship
by Hvide, Hans K & Panos, Georgios

2013 Acceso a servicios financieros en Colombia
by Carlos Gustavo Cano & Maria del Pilar Esguerra Umaña & Nidia García & Leonardo Rueda

2013 Economic hardship, housing cost burden and tenure status: evidence from EU-SILC
by M. Deidda

2013 The Importance of Financial Resources for Student Loan Repayment
by Lance Lochner & Todd Stinebrickner & Utku Suleymanoglu

2013 The Effect of Awareness and Incentives on Tax Evasion
by Annette Alstadsæter & Martin Jacob

2013 Gambling to Leapfrog in Status?
by Tim Friehe & Mario Mechtel

2013 Screening as a Unified Theory of Delinquency, Renegotiation, and Bankruptcy
by Natalia Kovrijnykh & Igor Livshits

2013 Implementing Income Verification in Australia
by Yogi Vidyattama & Robert Tanton & Alan Duncan & Ross Gayler

2013 The effect of awareness and incentives on tax evasion
by Annette Alstadsæter & Martin Jacob

2013 Job Insecurity and Financial Distress
by C. Giannetti & M. Madia & L. Moretti

2013 Money demand models for Russia : A sectoral approach
by Krupkina, Anna & Ponomarenko, Alexey

2013 Access to Credit: Awareness and Use of Formal and Informal Credit Institutions
by Alejandra Campero & Karen Kaiser

2013 Households� indebtedness and financial vulnerability in the Italian regions
by Valerio Vacca (coordinator) & Daniele Coin & Antonio Maria Conti & Luigi Leva & Danilo Liberati & Elisabetta Manzoli & Daniele Marangoni & Sauro Mocetti & Giuseppe Saporito & Lucia Sironi

2013 Does financial education at school work? Evidence from Italy
by Angela Romagnoli & Maurizio Trifilidis

2013 The distribution of debt across euro area countries: the role of individual characteristics, institutions and credit conditions
by Olympia Bover & Jose Maria Casado & Ernesto Villanueva & Sonia Costa & Philip Du Caju & Yvonne McCarthy & Eva Sierminska & Panagiota Tzamourani & Tibor Zavadil

2013 House Prices, Consumption and the Role of Non-Mortgage Debt
by Katya Kartashova & Ben Tomlin

2013 Demand factors that influence financial inclusion in Mexico: analysis of the barriers based on the ENIF survey
by Carmen Hoyo & Ximena Pena & David Tuesta

2013 Factores de demanda que influyen en la Inclusion Financiera en Mexico. Analisis de las barreras a partir de la ENIF
by Carmen Hoyo & Ximena Pena & David Tuesta

2013 Financing retirement with real estate assets: an analysis of Mexico
by Carmen Hoyo & David Tuesta

2013 Financiando la jubilacion con activos inmobiliarios: un analisis de caso para Mexico
by Carmen Hoyo & David Tuesta

2013 Tendencias a medio plazo en la banca espanola
by Santiago Fernandez de Lis & Ana Rubio

2013 Determinantes de la inclusion financiera en Peru
by Noelia Camara & Ximena Pena & David Tuesta

2013 Potentiality of reverse mortgages to supplement pension: the case of Chile
by Javier Alonso & Maria Lamuedra & David Tuesta

2013 Potencialidad del desarrollo de hipotecas inversas como complemento pensionario: el caso de Chile
by Javier Alonso & David Tuesta & Maria Lamuedra

2013 Impact Of Cooperative Societies Savings Scheme In Rural Finance: Some Evidence From Nigeria
by Onafowokan O. Oluyombo

2013 Consumption Smoothing after the Final Mortgage Payment: Testing the Magnitude Hypothesis
by Barry Scholnick

2013 Financial Education and Financial Access: Lessons Learned from Child Development Account Research
by Trina R. Williams Shanks & Lewis Mandell & Deborah Adams

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.)
by Anna Szymanska

2013 Econometric modeling risk of consumer loans
by Nivorozhkina, Ludmila & Ovcharova, Lilia & Sinyavskaya, Tatiana

2013 Search for Financial Returns and Social Security Privatization
by Alisdair McKay

2013 Some Annuity Problems in the Framework of Czech Pension Systems
by Tomáš Cipra

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 possibility of scientific development and reasoning of the appropriate model of population on saving in the difficult conditions in which it is now Romania. Household savings trends are reflected in the standards of living and welfare. Savings, as an influencing factor of the standard of living and welfare depends on the level of inflation, the interest rate liabilities and the income, which suggests that, before drawing any conclusion about saving, changes of the size of people savings should be considered. In Romania, in the current period, occures a series of studies and analyzes, in which, statistically, they are assessed and defined multiple concepts of living. These studies were signed by researchers from the National Institute of Statistics, the National Bank and the Deposit Guarantee Fund in the Banking System
by Nicodim Liliana & Tileagã Cosmin

2013 The Impact Of Financial Population Education On Managing Personal Finances
by Branko Matic & Hrvoje Serdarusic & Maja Vretenar Cobovic

2013 Cross-Country Comparability of the Eurosystem Household Finance and Consumption Survey
by Pirmin Fessler & Martin Schürz

2013 Household Vulnerability in Austria – A Microeconomic Analysis Based on the Household Finance and Consumption Survey
by Nicolas Albacete & Peter Lindner

2013 Households’ Expectations and Macroeconomic Outcomes – Evidence from the Euro Survey
by Elisabeth Beckmann & Isabella Moder

2013 Determinants of Households’ Savings in Central, Eastern and Southeastern Europe
by Elisabeth Beckmann & Mariya Hake & Jarmila Urvová

2013 Structure and distribution of household wealth: An analysis based on the HFCS
by Ph. Du Caju

2013 Real estate wealth by institutional sector
by Gh. Poullet

2013 The Effects of Tax Salience and Tax Experience on Individual Work Efforts in a Framed Field Experiment
by Martin Fochmann & Joachim Weimann

2013 Can relationship banking survive the Spanish economic crisis?
by Gary A. Dymski

2013 Are Remittances a Substitute for Credit? Carrying the Financial Burden of Health Shocks in National and Transnational Households
by Ambrosius, Christian & Cuecuecha, Alfredo

2013 Not all financial speculation is treated equally: Laypeople’s moral judgments about speculative short selling
by Lotz, Sebastian & Fix, Andrea R.

2013 Development and validation of the Perceived Investment Value (PIV) scale
by Puustinen, Pekka & Maas, Peter & Karjaluoto, Heikki

2013 Investor home bias and sentiment about the country benefiting from the tax revenue
by Möhlmann, Axel

2013 How people evaluate defined contribution, annuity-based pension arrangements: A behavioral exploration
by Duxbury, Darren & Summers, Barbara & Hudson, Robert & Keasey, Kevin

2013 Goal-setting and self-control
by Hsiaw, Alice

2013 Discounting financial literacy: Time preferences and participation in financial education programs
by Meier, Stephan & Sprenger, Charles D.

2013 Simplification and saving
by Beshears, John & Choi, James J. & Laibson, David & Madrian, Brigitte C.

2013 Sex-hormone genes and gender difference in ultimatum game: Experimental evidence from China and Israel
by Chew, Soo Hong & Ebstein, Richard P. & Zhong, Songfa

2013 Longevity risk, subjective survival expectations, and individual saving behavior
by Post, Thomas & Hanewald, Katja

2013 Mitigating financial fragility with Continuous Workout Mortgages
by Shiller, Robert J. & Wojakowski, Rafał M. & Ebrahim, M. Shahid & Shackleton, Mark B.

2013 Persistency of financial distress amongst Italian households: Evidence from dynamic models for binary panel data
by Giarda, Elena

2013 Optimal smooth consumption and annuity design
by Bruhn, Kenneth & Steffensen, Mogens

2013 Financial literacy and consumer credit portfolios
by Disney, Richard & Gathergood, John

2013 Investing at home and abroad: Different costs, different people?
by Christelis, Dimitris & Georgarakos, Dimitris

2013 Individual investor perceptions and behavior during the financial crisis
by Hoffmann, Arvid O.I. & Post, Thomas & Pennings, Joost M.E.

2013 Who gets credit after bankruptcy and why? An information channel
by Cohen-Cole, Ethan & Duygan-Bump, Burcu & Montoriol-Garriga, Judit

2013 Financial literacy and its consequences: Evidence from Russia during the financial crisis
by Klapper, Leora & Lusardi, Annamaria & Panos, Georgios A.

2013 When can insurers offer products that dominate delayed old-age pension benefit claiming?
by Sanders, Lisanne & De Waegenaere, Anja & Nijman, Theo E.

2013 Individual post-retirement longevity risk management under systematic mortality risk
by Hanewald, Katja & Piggott, John & Sherris, Michael

2013 End use technology choice in the National Energy Modeling System (NEMS): An analysis of the residential and commercial building sectors
by Wilkerson, Jordan T. & Cullenward, Danny & Davidian, Danielle & Weyant, John P.

2013 The effect of the financial crisis on the retirement plans of older workers in England
by Crawford, Rowena

2013 Biased effects of taxes and subsidies on portfolio choices
by Ackermann, Hagen & Fochmann, Martin & Mihm, Benedikt

2013 Social Security claiming decision of married men and widow poverty
by Sass, Steven A. & Sun, Wei & Webb, Anthony

2013 Saving in childhood and adolescence: Insights from developmental psychology
by Otto, Annette

2013 Long-term effects of Individual Development Accounts on postsecondary education: Follow-up evidence from a randomized experiment
by Grinstein-Weiss, Michal & Sherraden, Michael & Gale, William G. & Rohe, William M. & Schreiner, Mark & Key, Clinton

2013 Structural estimation of stock market participation costs
by Khorunzhina, Natalia

2013 The credit rationing of Chinese rural households and its welfare loss: An investigation based on panel data
by Li, Rui & Li, Qinghai & Huang, Shaoan & Zhu, Xi

2013 Housing and Saving with Finance Imperfection
by Yanbin Chen & Fangxing Li & Zhesheng Qiu

2013 Microbonos. Una alternativa de inversión para los Estratos Uno, Dos y Tres
by Miller Janny Ariza Garzón & Elsa Susana Reyes Quintanilla & Luisa Fernanda Velasco Cardona

2013 The Household Finance Survey: description of the 2009 survey and main results on households’ income, wealth and debt in Greece
by Panagiota Tzamourani

2013 Monetary and credit developments in 2012 - Credit distribution grew more quickly in France than in the euro area
by K. Masselier.

2013 Les Français et l’économie – L’enseignement de l’économie devrait tenir une place plus importante dans le système éducatif
by HAAS, P.

2013 L’évolution de la monnaie et du crédit en 2012 – Une distribution des crédits plus dynamique en France que dans la zone euro
by MASSELIER, K.

2013 The Estimation Of Tax-Benefit Automatic Stabilizers In Serbia: A Combined Micro-Macro Approach
by Saša Ranđelović

2013 Financial education among university students in Italy: the state of the art
by Elisa Bocchialini & Maria Adele Milioli & Lucia Poletti & Beatrice Ronchini

2013 Financial Literacy, Financial Education, and Economic Outcomes
by Justine S. Hastings & Brigitte C. Madrian & William L. Skimmyhorn

2013 Household Assets and Rural Finance in Nigeria
by Onafowokan O. Oluyombo

2013 Correction: The Composition and Drawdown of Wealth in Retirement
by James Poterba & Steven Venti & David Wise

2013 Can Owning a Home Hedge the Risk of Moving?
by Todd Sinai & Nicholas Souleles

2013 Long-Term Impacts of Individual Development Accounts on Homeownership among Baseline Renters: Follow-Up Evidence from a Randomized Experiment
by Michal Grinstein-Weiss & Michael Sherraden & William G. Gale & William M. Rohe & Mark Schreiner & Clinton Key

2013 Safety Traps
by Kenza Benhima & Baptiste Massenot

2013 The Wrong Shape of Insurance? What Cross-Sectional Distributions Tell Us about Models of Consumption Smoothing
by Tobias Broer

2013 Information Asymmetries in Consumer Credit Markets: Evidence from Payday Lending
by Will Dobbie & Paige Marta Skiba

2013 Young Adult Obesity and Household Income: Effects of Unconditional Cash Transfers
by Randall Akee & Emilia Simeonova & William Copeland & Adrian Angold & E. Jane Costello

2013 Cognitive Abilities and Household Financial Decision Making
by Sumit Agarwal & Bhashkar Mazumder

2013 Savings Constraints and Microenterprise Development: Evidence from a Field Experiment in Kenya
by Pascaline Dupas & Jonathan Robinson

2013 Barriers to Household Risk Management: Evidence from India
by Shawn Cole & Xavier Gine & Jeremy Tobacman & Petia Topalova & Robert Townsend & James Vickery

2013 Consumer Spending and the Economic Stimulus Payments of 2008
by Jonathan A. Parker & Nicholas S. Souleles & David S. Johnson & Robert McClelland

2013 The Nature of Risk Preferences: Evidence from Insurance Choices
by Levon Barseghyan & Francesca Molinari & Ted O'Donoghue & Joshua C. Teitelbaum

2013 Why Don't the Poor Save More? Evidence from Health Savings Experiments
by Pascaline Dupas & Jonathan Robinson

2013 Salience and Asset Prices
by Pedro Bordalo & Nicola Gennaioli & Andrei Shleifer

2013 Optimal Progressive Labor Income Taxation and Education Subsidies When Education Decisions and Intergenerational Transfers Are Endogenous
by Dirk Krueger & Alexander Ludwig

2013 Estate Taxation with Altruism Heterogeneity
by Emmanuel Farhi & Iván Werning

2013 Income and Substitution Effects of Estate Taxation
by James R. Hines

2013 Inheritances, Intergenerational Transfers, and the Accumulation of Health
by Katherine Grace Carman

2013 The Home Economics of E-Money: Velocity, Cash Management, and Discount Rates of M-Pesa Users
by Isaac Mbiti & David N. Weil

2013 The Effect of Language on Economic Behavior: Evidence from Savings Rates, Health Behaviors, and Retirement Assets
by M. Keith Chen

2013 Inferior Good and Giffen Behavior for Investing and Borrowing
by Felix Kubler & Larry Selden & Xiao Wei

2013 Entropy and the Value of Information for Investors
by Antonio Cabrales & Olivier Gossner & Roberto Serrano

2013,4th quarter update personal debt and psychological health
by John Gathergood

2012 The Impact of Transferring and Time-to-Graduation on Student Debt
by Ken Brown & Bulent Uyar

2012 Optimale Darlehensbündel in der privaten Immobilienfinanzierung bei steigender Zinsstrukturkurve
by Frank Schuhmacher

2012 Does Financial Sector Development Increase Income Inequality? Some Econometric Evidence from Bangladesh
by WAHID, ABU N.M. & SHAHBAZ, MUHAMMAD & SHAH, MEHMOOD & SALAHUDDIN, MOHAMMAD

2012 Insurance demand under prospect theory: A graphical analysis
by Schmidt, Ulrich

2012 Insurance demand and prospect theory
by Schmidt, Ulrich

2012 Are remittances a substitute for credit? Carrying the financial burden of health shocks in national and transnational households
by Ambrosius, Christian

2012 Studie zu Dispozinsen / Ratenkrediten - Forschungsvorhaben zur Bereitstellung wissenschaftlicher Entscheidungshilfe für das Bundesministerium für Ernährung, Landwirtschaft und Verbraucherschutz (BMELV)
by Dick, Christian D. & Knobloch, Michael & Al-Umaray, Kerim S. & Jaroszek, Lena & Schröder, Michael & Tiffe, Achim

2012 Dividenden und Aktienrückkäufe unter der Abgeltungssteuer
by Podlech, Nils

2012 Strategic obfuscation and consumer protection policy in financial markets: Theory and experimental evidence
by Gu, Yiquan & Wenzel, Tobias

2012 Dividenden und Aktienrückkäufe unter der Abgeltungssteuer
by Podlech, Nils

2012 The PHF: A comprehensive panel survey on household finances and wealth in Germany
by von Kalckreuth, Ulf & Eisele, Martin & Le Blanc, Julia & Schmidt, Tobias & Zhu, Junyi

2012 Biased effects of taxes and subsidies on portfolio choices
by Ackermann, Hagen & Fochmann, Martin & Mihm, Benedikt

2012 Financial Risk Aversion, Economic Crises and Past Risk Perception
by Alessandro Bucciol & Raffaele Miniaci

2012 Credit Constraints in Education
by Lance Lochner & Alexander Monge-Naranjo

2012 Portfolio Choice with Indivisible and Illiquid Housing Assets: The Case of Spain
by Sergio Mayordomo & María Rodríguez-Moreno & Juan Ignacio Peña

2012 Savings Adequacy Uncertainty: Driver or Obstacle to Increased Pension Contributions?
by Ron J.G. van Schie & Bas Donkers & Benedict G.C. Dellaert

2012 Who is at the Top? Wealth Mobility over the Life Cycle
by Stefan Hochguertel & Henry Ohlsson

2012 Expectations and the Saving Behaviour of Children: Analysis of the U.S. Panel Study of Income Dynamics
by Sarah Brown & Karl Taylor

2012 Modelling Household Debt and Financial Assets: A Bayesian Approach to a Bivariate Two-Part Model
by Li Su & Sarah Brown & Pulak Ghosh & Karl Taylor

2012 Household Finances and Social Interaction
by Sarah Brown & Karl Taylor

2012 On Modelling the Social Interaction of Couples
by Sarah Brown & Jolian McHardy & Karl Taylor

2012 Communicating Pension Risk To Dc Plan Members: The Chilean Case Of A Pension Risk Simulator
by Pablo Antolin & Olga Fuentes

2012 Second Homes: Households' Life Dream or (Wrong) Investment?
by Marianna Brunetti & Costanza Torricelli

2012 Is Financial Fragility a Matter of Illiquidity? An Appraisal for Italian Households
by Marianna Brunetti & Elena Giarda & Costanza Torricelli

2012 Property Tax Salience and Payment Delinquency
by Bradley, Sebastien

2012 Consequences of the expansion of employer sponsored health insurance to dependent young adults
by David Jason Gershkoff Slusky

2012 How do we value our income from which we save?
by Liberda, Barbara & Peczkowski, Marek & Gucwa-Lesny, Ewa

2012 Psychologiczne skutki aktywacji idei pieniędzy a obdarowywanie bliskich
by Gasiorowska, Agata

2012 The significance of socioeconomic factors on personal loan decision a study of consumer banking local private banks in Pakistan
by Azam, Rehan & Muhammad, Danish & Syed Akbar, Suleman

2012 Competitiveness of Bulgarian Farms in Conditions of EU CAP Implementation
by Bachev, Hrabrin

2012 Choosing a retirement income strategy: a new evaluation framework
by Pfau, Wade Donald

2012 Choosing a Retirement Income Strategy: Outcome Measures and Best Practices
by Pfau, Wade Donald

2012 An international perspective on “safe” savings rates for retirement
by Pfau, Wade Donald & Kariastanto, Bayu

2012 A method to monitor poverty dynamics among microfinance clients: An example using survey data from Bangladesh
by Hernandez-Hernandez, Emilio & Schreiner, Mark

2012 Does the insurance effect of public and private transfers favor financial deepening? evidence from rural Nicaragua
by Hernandez-Hernandez, Emilio & Sam, Abdoul G. & Gonzalez-Vega, Claudio & Chen, Joyce J.

2012 Pins in the shoes of microfinance
by Badruddoza, S.

2012 The Drivers of Household Over-Indebtedness and Delinquency on Mortgage Loans: Evidence from Italian Microdata
by David ARISTEI & Manuela Gallo

2012 Foreign Currency Loans and Loan Arrears of Households in Central and Eastern Europe
by Elisabeth Beckmann & Jarko Fidrmuc & Helmut Stix

2012 Communicating Pension Risk to DC Plan Members: The Chilean Case of a Pension Risk Simulator
by Pablo Antolin & Olga Fuentes

2012 The Status of Financial Education in Africa
by Flore-Anne Messy & Chiara Monticone

2012 Financial Education, Savings and Investments: An Overview
by Sue Lewis & Flore-Anne Messy

2012 Annual DC Pension Statements and the Communications Challenge
by Pablo Antolín & Debbie Harrison

2012 Lessons from National Pensions Communication Campaigns
by Adele Atkinson & Debbie Harrison & Flore-Anne Messy & Juan Yermo

2012 Current Status of National Strategies for Financial Education: A Comparative Analysis and Relevant Practices
by Andrea Grifoni & Flore-Anne Messy

2012 Measuring Financial Literacy: Results of the OECD / International Network on Financial Education (INFE) Pilot Study
by Adele Atkinson & Flore-Anne Messy

2012 Empowering Women Through Financial Awareness and Education
by Angela Hung & Joanne Yoong & Elizabeth Brown

2012 Fettered Consumers and Sophisticated Firms: Evidence from Mexico's Privatized Social Security Market
by Fabian Duarte & Justine S. Hastings

2012 What Makes Annuitization More Appealing?
by John Beshears & James J. Choi & David Laibson & Brigitte C. Madrian & Stephen P. Zeldes

2012 The Impacts of Microcredit: Evidence from Bosnia and Herzegovina
by Britta Augsburg & Ralph De Haas & Heike Harmgart & Costas Meghir

2012 Early and Late Human Capital Investments, Borrowing Constraints, and the Family
by Elizabeth M. Caucutt & Lance Lochner

2012 Under-Savers Anonymous: Evidence on Self-Help Groups and Peer Pressure as a Savings Commitment Device
by Felipe Kast & Stephan Meier & Dina Pomeranz

2012 Financial Literacy, Financial Education and Economic Outcomes
by Justine S. Hastings & Brigitte C. Madrian & William L. Skimmyhorn

2012 Understanding Peer Effects in Financial Decisions: Evidence from a Field Experiment
by Leonardo Bursztyn & Florian Ederer & Bruno Ferman & Noam Yuchtman

2012 Matching Contributions and Savings Outcomes: A Behavioral Economics Perspective
by Brigitte C. Madrian

2012 When Does It Pay to Delay Social Security? The Impact of Mortality, Interest Rates, and Program Rules
by John B. Shoven & Sita Nataraj Slavov

2012 Is Conflicted Investment Advice Better than No Advice?
by John Chalmers & Jonathan Reuter

2012 Why Did So Many People Make So Many Ex Post Bad Decisions? The Causes of the Foreclosure Crisis
by Christopher L. Foote & Kristopher S. Gerardi & Paul S. Willen

2012 Riester Pensions in Germany: Design, Dynamics, Targetting Success and Crowding-In
by Axel H. Börsch-Supan & Michela Coppola & Anette Reil-Held

2012 Financial Literacy and the Financial Crisis
by Leora F. Klapper & Annamaria Lusardi & Georgios A. Panos

2012 Referrals: Peer Screening and Enforcement in a Consumer Credit Field Experiment
by Gharad T. Bryan & Dean Karlan & Jonathan Zinman

2012 The Decision to Delay Social Security Benefits: Theory and Evidence
by John B. Shoven & Sita Nataraj Slavov

2012 Challenges in Banking the Rural Poor: Evidence from Kenya's Western Province
by Pascaline Dupas & Sarah Green & Anthony Keats & Jonathan Robinson

2012 Small Cues Change Savings Choices
by James J. Choi & Emily Haisley & Jennifer Kurkoski & Cade Massey

2012 Were They Prepared for Retirement? Financial Status at Advanced Ages in the HRS and AHEAD Cohorts
by James M. Poterba & Steven F. Venti & David A. Wise

2012 Behind the GATE Experiment: Evidence on Effects of and Rationales for Subsidized Entrepreneurship Training
by Robert W. Fairlie & Dean Karlan & Jonathan Zinman

2012 Is financial fragility a matter of illiquidity? An appraisal for Italian households
by Marianna Brunetti & Elena Giarda & Costanza Torricelli

2012 Backing out of private pension provision - Lessons from Germany
by Ziegelmeyer, Michael & Nick, Julius

2012 Steueraversion - Sind wir wirklich bereit auf Einkommen zu verzichten, nur um Steuern zu sparen?
by Martin Fochmann & Arne Kleinstück

2012 Littératie financière et préparation à la retraite au Québec et dans le reste du Canada
by Thomas Lalime & Pierre-Carl Michaud

2012 Teaching teenagers in finance: does it work?
by Lührmann, Melanie & Serra-Garcia, Marta & Winter, Joachim

2012 Complexity and Biases
by Kalaycı, Kenan & Serra-Garcia, Marta

2012 Saving on a Rainy Day, Borrowing for a Rainy Day
by Sule Alan & Thomas Crossley & Hamish Low

2012 Personal Bankruptcy: Reconciling Adverse Events and Strategic Filing Hypotheses Using Heterogeneity in Filing Types
by Li Gan & Tarun Sabarwal & Shuoxun Zhang

2012 Banks Information Policies, Financial Literacy and Household Wealth
by Fort, Margherita & Manaresi, Francesco & Trucchi, Serena

2012 Savings and Prize-Linked Savings Accounts
by Atalay, Kadir & Bakhtiar, Fayzan & Cheung, Stephen L. & Slonim, Robert

2012 Risk and Saving in Two-Person Households: More Scope for Precautionary Saving
by Apps, Patricia & Andrienko, Yuri & Rees, Ray

2012 Under-Savers Anonymous: Evidence on Self-Help Groups and Peer Pressure as a Savings Commitment Device
by Kast, Felipe & Meier, Stephan & Pomeranz, Dina

2012 Under-Savers Anonymous: Evidence on Self-Help Groups and Peer Pressure as a Savings Commitment Device
by Kast, Felipe & Meier, Stephan & Pomeranz, Dina

2012 Saving on a rainy day, borrowing for a rainy day
by Sule Alan & Thomas Crossley & Hamish Low

2012 The effect of the financial crisis on older households in England
by James Banks & Rowena Crawford & Thomas Crossley & Carl Emmerson

2012 Who is at the top? Wealth mobility over the life cycle
by Hochguertel, Stefan & Ohlsson, Henry

2012 Who is at the top? Wealth mobility over the life cycle
by Hochguertel, Stefan & Ohlsson, Henry

2012 The role of financial position on consumer indebted-ness. An empirical analysis in Italy
by Barbara Cavalletti & Corrado Lagazio & Daniela Vandone & Elena Lagomarsino

2012 Wealth, Composition, Housing, Income, and Consumption
by William Hardin & Sheng Guo

2012 Small-Dollar Lending: Is There A Responsible Path Forward?
by Jim Campen

2012 Homeownerhip and entrepreneurship
by Philippe Bracke & Christian Hilber & Olmo Silva

2012 You Can Pick Your Friends, But You Need to Watch Them: Loan Screening and Enforcement in a Referrals Field Experiment
by Gharad Bryan & Dean Karlan & Jonathan Zinman

2012 Households borrowing during a creditless recovery
by Jaanika Meriküll

2012 You Can Pick Your Friends, but You Need to Watch Them: Loan Screening and Enforcement in a Referrals Field Experiment
by Bryan, Gharad & Karlan, Dean & Zinman, Jonathan

2012 Behind the GATE Experiment: Evidence on Effects of and Rationales for Subsidized Entrepreneurship Training
by Karlan, Dean

2012 L’effacement des dettes des particuliers surendettés : Une étude empirique des décisions judiciaires
by Régis Blazy & Bertrand Chopard & Eric Langlais & Ydriss Ziane

2012 Evidence of Student Achievement in a High School Personal Finance Course
by Andrew T. Hill & Bonnie T. Meszaros & Brian Tyson

2012 The Effect of Housing on Portfolio Choice: A Reappraisal Using French Data
by Fougère, Denis & Poulhes, Mathilde

2012 Subprime Consumer Credit Demand: Evidence from a Lender's Pricing Experiment
by Alan, Sule & Lóránth, Gyöngyi

2012 You Can Pick Your Friends, But You Need to Watch Them: Loan Screening and Enforcement in a Referrals Field Experiment
by Bryan, Gharad & Karlan, Dean S. & Zinman, Jonathan

2012 Las capacidades financieras de la población colombiana
by Esteban Gómez González & Nancy Zamudio Gómez

2012 Littératie financière et préparation à la retraite au Québec et dans le reste du Canada
by Pierre-Carl Michaud & Thomas Lalime

2012 Remittances, Banking Status and the Usage of Insurance Schemes
by Dorothee Crayen & Christa Hainz & Christiane Ströh de Martinez

2012 Expectations and Saving Behavior: An Empirical Analysis
by Stefan Arent

2012 Homeownerhip and Entrepreneurship
by Philippe Bracke & Christian Hilber & Olmo Silva

2012 Housing wealth decumulation, portfolio composition and financial literacy among the European elderly
by Agnese Romiti & Mariacristina Rossi

2012 Saving on a Rainy Day, Borrowing for a Rainy Day
by Alan, S. & Crossley, T. & Low, H.

2012 Self-Disconnection Among Pre-Payment Customers - A Behavioural Analysis
by Brutscher, P.

2012 Making Sense of Oil Stamp Saving Schemes
by Brutscher, P-B.

2012 Banks Information Policies, Financial Literacy and Household Wealth
by M. Fort & F. Manaresi & S. Trucchi

2012 Can an interest-free credit facility be more efficient than a usurious payday loan?
by Murizah Osman Salleh & Aziz Jaafar & M. Shahid Ebrahim

2012 Do wealth fluctuations generate time-varying risk aversion? Italian micro-evidence on household asset allocation
by Giuseppe Cappelletti

2012 Determinants of default ratios in the segment of loans to households in Spain
by Roberto Blanco & Ricardo Gimeno

2012 Backing out of private pension provision - Lessons from Germany
by Michael Ziegelmeyer & Julius Nick

2012 The Luxembourg Household Finance and Consumption Survey (LU-HFCS): Introduction and Results
by Thomas Y. Mathä & Alessandro Porpiglia & Michael Ziegelmeyer

2012 A Framework to Assess Vulnerabilities Arising from Household Indebtedness Using Microdata
by Ramdane Djoudad

2012 Risk and Saving in Two-Person Households: More Scope for Precautionary Saving
by Patricia Apps & Yuri Andrienko & Ray Rees

2012 Early Life Conditions and Financial Risk-taking in Older Age
by Loretti Dobrescu & Dimitris Christelis & Alberto Motta

2012 Individual Risk Attitudes and the Composition of Financial Portfolios: Evidence from German Household Portfolios
by Barasinska, Nataliya & Schäfer, Dorothea & Stephan, Andreas

2012 Individual wealth accumulation: Why does dining together as a family matter?
by Chatterjee, Swarn & Palmer, Lance & Goetz, Joseph

2012 Matching survey and administrative data for studying poverty at the local level
by Alessandra Coli

2012 Identifying The Factors Affecting The Consumer Credit Card Ownership: Empirical Evidence From Turkey
by Rüştü YAYAR & Süleyman Serdar KARACA

2012 Saving in Foreign Currency and Its Effects: An Empirical Analysis
by Oana Nitu & Claudiu Valentin Nitu & Cosmin Tileaga

2012 Consumer financial protection: future directions
by Richard Sandlant

2012 Liquidity, Economic Activity, and Mortality
by William N. Evans & Timothy J. Moore

2012 Modele ukrytych łańcuchów Markowa jako metoda analizy danych panelowych
by Monika Książek

2012 Bequest Motives and the Annuity Puzzle
by Lee Lockwood

2012 Saving Rates and Portfolio Choice with Subsistence Consumption
by Carolina Achury & Sylwia Hubar & Christos Koulovatianos

2012 Financial Literacy and Macro-economics
by Dániel Béres & Katalin Huzdik

2012 Our Everyday Emotions and Finances, The role money-related attitudes and materialistic orientation play in developing financial culture
by Péter Nagy & Boglárka Zsótér

2012 Financial Literacy and Risk-Taking of Households in the Hungarian Central Great Plain
by Katalin Botos & József Botos & Dániel Béres & József Csernák & Erzsébet Németh

2012 Housing Cost Burden of Austrian Households: Results of a Recent Survey
by Christian Beer & Karin Wagner

2012 Euro Cash in Central, Eastern and Southeastern Europe
by Doris Ritzberger-Grünwald & Thomas Scheiber

2012 Risk Buffer Profiles of Foreign Currency Mortgage Holders
by Nicolas Albacete & Pirmin Fessler & Martin Schürz

2012 The Impact of Memories of High Inflation on Households’ Trust in Currencies
by Elisabeth Beckmann & Thomas Scheiber

2012 Not So Trustworthy Anymore? The Euro as a Safe Haven Asset in Central, Eastern and Southeastern Europe
by Elisabeth Beckmann & Thomas Scheiber

2012 Asset formation by households during the financial crisis
by Philip Du Caju

2012 Better safe than sorry: views of the Hungarian public on the security of payment instruments
by Éva Divéki & Dániel Listár

2012 The Biased Effect of Aggregated and Disaggregated Income Taxation on Investment Decisions
by Martin Fochmann & Dirk Kiesewetter & Abdolkarim Sadrieh

2012 Finansal Ýyilik Hali Ölçeði (FÝHÖ): Geçerlik ve Güvenirlik Çalýþmasý
by Onur SUNAL

2012 Factors affecting completion of a matched savings program: Impacts of time preference, discount rate, and financial hardship
by Manturuk, Kim & Dorrance, Jessica & Riley, Sarah

2012 Implications of behavioural economics for financial literacy and public policy
by Altman, Morris

2012 Why do spouses hide income?
by Malapit, Hazel Jean L.

2012 Individual risk attitudes and the composition of financial portfolios: Evidence from German household portfolios
by Barasinska, Nataliya & Schäfer, Dorothea & Stephan, Andreas

2012 The demand for enhanced annuities
by Steinorth, Petra

2012 Lenders’ blind trust and borrowers’ blind spots: A descriptive investigation of personal loans
by Dezső, Linda & Loewenstein, George

2012 Savings adequacy uncertainty: Driver or obstacle to increased pension contributions?
by van Schie, Ron J.G. & Donkers, Bas & Dellaert, Benedict G.C.

2012 A longitudinal study of financial risk tolerance
by Van de Venter, Gerhard & Michayluk, David & Davey, Geoff

2012 Defusing the risk of borrowing: The psychology of payment protection insurance decisions
by Ranyard, Rob & McHugh, Sandie

2012 The relationship of materialism to debt and financial well-being: The case of Iceland’s perceived prosperity
by Garðarsdóttir, Ragna B. & Dittmar, Helga

2012 Slipping the surly bonds: The value of autonomy in self-employment
by Croson, David C. & Minniti, Maria

2012 Students’ understanding of socio-economic phenomena: Conceptions about the free provision of goods and services
by Davies, Peter & Lundholm, Cecilia

2012 The ant and the grasshopper revisited: The present psychological benefits of saving and future oriented financial behaviors
by Shim, Soyeon & Serido, Joyce & Tang, Chuanyi

2012 Who feels constrained by high debt burdens? Subjective vs. objective measures of household debt
by Keese, Matthias

2012 Investment behavior and the biased perception of limited loss deduction in income taxation
by Fochmann, Martin & Kiesewetter, Dirk & Sadrieh, Abdolkarim

2012 Rational and behavioral motives to trade: Evidence from reinvestment of dividends and tender offer proceeds
by Kaustia, Markku & Rantapuska, Elias

2012 Household portfolio choices, health status and health care systems: A cross-country analysis based on SHARE
by Atella, Vincenzo & Brunetti, Marianna & Maestas, Nicole

2012 The 1/N investment strategy is optimal under high model ambiguity
by Pflug, Georg Ch. & Pichler, Alois & Wozabal, David

2012 Something will turn up? Financial over-optimism and mortgage arrears
by Dawson, Chris & Henley, Andrew

2012 Financial expectations and the ‘left–right’ political value scale: Testing for the POUM hypothesis
by Buscha, Franz

2012 Multi-objective private wealth allocation without subportfolios
by Cai, Jun & Ge, Chenliang

2012 Housing prices and the high Chinese saving rate puzzle
by Wang, Xin & Wen, Yi

2012 Was bringen Riester-Produkte dem Verbraucher?: Analyseergebnisse einer anbieterunabhängigen Testorganisation
by Barbara Sternberger-Frey

2012 Verschärfung der Ineffizienz der Riesterrente-Angebote 2012 und in den Folgejahren
by Axel Kleinlein

2012 Riester-Rente und Niedrigeinkommen: was sagen die Daten?
by Johannes Geyer

2012 Streitfall Bewertung des Riester-Sparens
by Kornelia Hagen

2012 Dokumentation der Diskussionsbeiträge auf dem Workshop des DIW Berlin zum Thema "Riester-Rente - Grundlegende Reform dringend geboten!?": [Online-Artikel]
by Kornelia Hagen

2012 Erwartungen und Sparen: wie wirken Arbeitslosigkeits- und Gesundheitserwartungen auf die Sparentscheidung von Haushalten?
by Stefan Arent

2012 Monetary and credit developments in 2011
by J. Montornès.

2012 Les Français et l’économie. Synthèse de l’enquête quantitative Banque de France/TNS Sofres. Journées de l’économie à Lyon
by HAAS, P.

2012 L’évolution de la monnaie et du crédit en 2011
by MONTORNÈS, J.

2012 Households’ financial vulnerability in the new scenario
by Emanuele Bacchiocchi & Luisa Anderloni & Daniela Vandone

2012 Credit Constraints in Education
by Lance Lochner & Alexander Monge-Naranjo

2012 Efficient Markets and the Law: A Predictable Past and an Uncertain Future
by Henry T.C. Hu

2012 Productivity and credit constraints: A firm-level propensity score evidence for agricultural farms in central and east European countries
by Pavel Ciaian & Jan Fałkowski & D’Artis Kancs

2012 Retail Business Owners Preference: Why not Formal Financing?
by Athar Iqbal & Bilal Hamid

2012 Annuitization Decisions Of Retirees: The Role Of Risk Aversion And Financial Advice
by Swarn CHATTERJEE & John R. SALTER & Nathan HARNESS

2012 Student Loans: Do College Students Borrow Too Much--Or Not Enough?
by Christopher Avery & Sarah Turner

2012 Financial Advice
by Roman Inderst & Marco Ottaviani

2012 Consumer Protection and Contingent Charges
by Mark Armstrong & John Vickers

2012 Inertia and Overwithholding: Explaining the Prevalence of Income Tax Refunds
by Damon Jones

2012 Home Equity Lending and Retail Spending: Evidence from a Natural Experiment in Texas
by Chadi S. Abdallah & William D. Lastrapes

2012 A Quantitative Theory of Information and Unsecured Credit
by Kartik Athreya & Xuan S. Tam & Eric R. Young

2012 Limited Insurance within the Household: Evidence from a Field Experiment in Kenya
by Jonathan Robinson

2012 The Impact of Credit on Village Economies
by Joseph P. Kaboski & Robert M. Townsend

2012 What Linear Estimators Miss: The Effects of Family Income on Child Outcomes
by Katrine V. Løken & Magne Mogstad & Matthew Wiswall

2012 Investing Cash Transfers to Raise Long-Term Living Standards
by Paul J. Gertler & Sebastian W. Martinez & Marta Rubio-Codina

2012 Life Insurance and Household Consumption
by Jay H. Hong & José-Víctor Ríos-Rull

2012 Diagnosing Consumer Confusion and Sub-optimal Shopping Effort: Theory and Mortgage-Market Evidence
by Susan E. Woodward & Robert E. Hall

2012 The Spending and Debt Response to Minimum Wage Hikes
by Daniel Aaronson & Sumit Agarwal & Eric French

2011 The German SAVE Study: Design, selected results and future developments
by Coppola, Michela & Börsch-Supan, Axel

2011 Gender behavior in betting markets
by Müller, Helge & Schumacher, Christoph & Feess, Eberhard

2011 Allocating Cash Savings and the Role of Information: Evidence from a Field Experiment in Uganda
by Buehren, Niklas

2011 Early life conditions and financial risk-taking in older age
by Christelis, Dimitris & Dobrescu, Loretti I. & Motta, Alberto

2011 Saving rates and portfolio choice with subsistence consumption
by Achury, Carolina & Hubar, Sylwia & Koulovatianos, Christos

2011 Does a change of occupation lead to higher earnings?
by Barbara Liberda & Marek Pęczkowski

2011 Earning and saving competences of individuals in a local community in Poland
by Barbara Liberda & Magdalena Szymczak

2011 How do we value our income from which we save?
by Barbara Liberda & Marek Pęczkowski & Ewa Gucwa-Leśny

2011 Household Portfolios and Risk Bearing over Age and Time
by Alessandro Bucciol & Raffaele Miniaci

2011 The Persistence of Employee 401(k) Contributions Over a Major Stock Market Cycle: Evidence on the Limited Power of Inertia on Savings Behavior
by Leslie A. Muller & John A. Turner

2011 Higher Order Risk Attitudes, Demographics, and Financial Decisions
by Noussair, C.N. & Trautmann, S.T. & van de Kuilen, G.

2011 The Role of Desicion Making Processes in the Correlation between Wealth and Health
by Binswanger, J. & Carman, K.G.

2011 Credit Cycle and Adverse Selection Effects in Consumer Credit Markets – Evidence from the HELOC Market
by Calem, P. & Cannon, M. & Nakamura, L.I.

2011 Household finances and the 'Big Five' personality traits
by Sarah Brown & Karl Taylor

2011 The Saving Behaviour of Children: Analysis of British Panel Data
by Sarah Brown & Karl Taylor

2011 Early Life Conditions and Financial Risk–Taking in Older Age
by Dimitrios Christelis & Loreti I. Dobrescu & Alberto Motta

2011 Регрессионный Анализ Данных Опроса Населения Краснодара О Готовности Участия В Программе Целевых Жилищных Накоплений
by Shumilov, Andrei

2011 Prospective Demand for an Index-Based Microinsurance in Sri Lanka
by Heenkenda, Shirantha

2011 Does a change of occupation lead to higher earnings?
by Liberda, Barbara & Peczkowski, Marek

2011 Anatomy of the Credit Score
by Arya, Shweta & Eckel, Catherine & Colin, Wichman

2011 Czy dla każdego większa ilość pieniędzy oznacza lepszą sytuację finansową? Postawy wobec pieniędzy a spostrzeganie własnego dochodu
by Gasiorowska, Agata

2011 Withdrawal Rates, Savings Rates, and Valuation-Based Asset Allocation
by Pfau, Wade Donald

2011 Spending flexibility and safe withdrawal rates
by Finke, Michael & Pfau, Wade Donald & Williams, Duncan

2011 تفعيل دور التمويل الإسلامي في تنمية المشروعات الصغيرة والمتوسطة
by Elasrag, Hussein

2011 Who enters the foreclosure process?
by Doviak, Eric & MacDonald, Sean

2011 Who defaults on their home mortgage?
by Doviak, Eric & MacDonald, Sean

2011 Capital market expectations, asset allocation, and safe withdrawal rates
by Pfau, Wade Donald

2011 Diminishing balance model for Islamic home finance: Final version
by Hasan, Zubair

2011 Nearly optimal asset allocations in retirement
by Pfau, Wade Donald

2011 Getting on Track for a Sustainable Retirement: A Reality Check on Savings and Work
by Pfau, Wade Donald

2011 A profile of financially at-risk college students from an emerging market
by Wesley, Mendes-Da-Silva & Wilson, Toshiro Nakamura & Daniel, Carrasqueira de Moraes

2011 Retirement savings guidelines for residents of emerging market countries
by Meng, Channarith & Pfau, Wade Donald

2011 Lifecycle and fixed portfolio allocation strategies: a performance comparison for emerging market countries
by Kumara, Ajantha Sisira & Pfau, Wade Donald

2011 Financial Lie groups
by Carfì, David

2011 Retirement Withdrawal Rates and Portfolio Success Rates: What Can the Historical Record Teach Us?
by Pfau, Wade Donald

2011 Can We Predict the Sustainable Withdrawal Rate for New Retirees?
by Pfau, Wade Donald

2011 Demand Spillovers and Market Outcomes in the Mutual Fund Industry
by Gavazza, Alessandro

2011 Revisiting the Fisher and Statman Study on Market Timing
by Pfau, Wade Donald

2011 Economic Rationality, Risk Presentation, and Retirement Portfolio Choice
by Bateman, Hazel & Ebling, Christine & Geweke, John & Jordan, Louviere & Stephen, Satchell & Susan, Thorp

2011 Safe Savings Rates: A New Approach to Retirement Planning over the Lifecycle
by Pfau, Wade Donald

2011 Financial Consumer Protection and the Global Financial Crisis
by Melecky, Martin & Rutledge, Sue

2011 Islamic house financing:current models and a proposal from social perspective
by Hasan, Zubair

2011 Participation in Rotating Savings and Credit Associations in Indonesia: New Empirical Evidence on Social Capital
by A. Lasagni & E. Lollo

2011 Reinsuring the Poor: Group Microinsurance Design and Costly State Verification
by Daniel J. Clarke

2011 A Theory of Rational Demand for Index Insurance
by Daniel J. Clarke

2011 Financial Sector Reform in India: Time for a Second Wave?
by Richard Herd & Vincent Koen & Ila Patnaik & Ajay Shah

2011 The Effects of Perceived and Actual Financial Knowledge on Credit Card Behavior
by Sam Allgood & William B. Walstad

2011 Does Mandatory Loan Review Affect Mortgage Contract Choice and Performance?
by Itzhak Ben-David & Sumit Agarwal & Gene Amromin & Souphala Chomsisengphet & Douglas D. Evanoff

2011 The Welfare Economics of Default Options in 401(k) Plans
by B. Douglas Bernheim & Andrey Fradkin & Igor Popov

2011 The Composition and Draw-down of Wealth in Retirement
by James M. Poterba & Steven F. Venti & David A. Wise

2011 Credit Constraints in Education
by Lance Lochner & Alexander Monge-Naranjo

2011 The Effect of Providing Peer Information on Retirement Savings Decisions
by John Beshears & James J. Choi & David Laibson & Brigitte C. Madrian & Katherine L. Milkman

2011 Health and Mortality Delta: Assessing the Welfare Cost of Household Insurance Choice
by Ralph Koijen & Stijn Van Nieuwerburgh & Motohiro Yogo

2011 Why Don't the Poor Save More? Evidence from Health Savings Experiments
by Pascaline Dupas & Jonathan Robinson

2011 The Availability and Utilization of 401(k) Loans
by John Beshears & James J. Choi & David Laibson & Brigitte C. Madrian

2011 Financial Literacy and Retirement Planning in Germany
by Tabea Bucher-Koenen & Annamaria Lusardi

2011 Financial Literacy, Retirement Preparation and Pension Expectations in the Netherlands
by Rob J. Alessie & Maarten van Rooij & Annamaria Lusardi

2011 Financial Literacy and Retirement Planning in the United States
by Annamaria Lusardi & Olivia S. Mitchell

2011 Financial Literacy around the World: An Overview
by Annamaria Lusardi & Olivia S. Mitchell

2011 Americans' Financial Capability
by Annamaria Lusardi

2011 Financially Fragile Households: Evidence and Implications
by Annamaria Lusardi & Daniel J. Schneider & Peter Tufano

2011 Limited and Varying Consumer Attention: Evidence from Shocks to the Salience of Bank Overdraft Fees
by Victor Stango & Jonathan Zinman

2011 Framing Effects and Expected Social Security Claiming Behavior
by Jeffrey R. Brown & Arie Kapteyn & Olivia S. Mitchell

2011 Continuous Workout Mortgages
by Robert J. Shiller & Rafal M. Wojakowski & M. Shahid Ebrahim & Mark B. Shackleton

2011 Household Debt and Saving During the 2007 Recession
by Rajashri Chakrabarti & Donghoon Lee & Wilbert van der Klaauw & Basit Zafar

2011 Does Aggregated Returns Disclosure Increase Portfolio Risk-Taking?
by John Beshears & James J. Choi & David Laibson & Brigitte C. Madrian

2011 Learning by Doing with Asymmetric Information: Evidence from Prosper.com
by Seth M. Freedman & Ginger Zhe Jin

2011 Heterogeneity and Risk Sharing in Village Economies
by Pierre-André Chiappori & Krislert Samphantharak & Sam Schulhofer-Wohl & Robert M. Townsend

2011 Consumer Spending and the Economic Stimulus Payments of 2008
by Jonathan A. Parker & Nicholas S. Souleles & David S. Johnson & Robert McClelland

2011 The Drawdown of Personal Retirement Assets
by James M. Poterba & Steven F. Venti & David A. Wise

2011 The link between mobile telephony arrears and credit arrears
by Helga De Doncker

2011 Vulnerabilità e benessere delle famiglie italiane
by Luisa ANDERLONI & Daniela VANDONE

2011 Household financial vulnerability: an empirical analysis
by Luisa ANDERLONI & Emanuele BACCHIOCCHI & Daniela VANDONE

2011 How does household portfolio diversification vary with financial sophistication and advice?
by von Gaudecker, Hans-Martin

2011 Who lost the most? Financial Literacy, Cognitive Abilities, and the Financial Crisis --- forthcoming Review of Finance ----
by Bucher-Koenen, Tabea & Ziegelmeyer, Michael

2011 The Effects of Tax Salience and Tax Experience on Individual Work Efforts in a Framed Field Experiment
by Martin Fochmann & Joachim Weimann

2011 Is there Any Dependence Between Consumer Credit Line Utilization and Default Probability on a Term Loan? Evidence from Bank-Level Data
by Anne-Sophie Bergerès & Philippe d'Astous & Georges Dionne

2011 Subprime Consumer Credit Demand: Evidence from a Lender's Pricing Experiment
by Sule Alan & Ruxandra Dumitrescu & Gyongyi Loranth

2011 Recognition-Based and Familiarity-Based Portfolio Strategies - An Experimental Study
by Linan Diao

2011 Household Finances and the 'Big Five' Personality Traits
by Brown, Sarah & Taylor, Karl

2011 Household Finances and the 'Big Five' Personality Traits
by Brown, Sarah & Taylor, Karl

2011 Funding Self-Employment: The Role of Consumer Credit
by Kneiding, Christoph & Kritikos, Alexander S.

2011 Funding Self-Employment: The Role of Consumer Credit
by Kneiding, Christoph & Kritikos, Alexander S.

2011 The Effects of Tax Salience and Tax Experience on Individual Work Efforts in a Framed Field Experiment
by Fochmann, Martin & Weimann, Joachim

2011 The Effects of Tax Salience and Tax Experience on Individual Work Efforts in a Framed Field Experiment
by Fochmann, Martin & Weimann, Joachim

2011 Exponential Growth Bias and Financial Literacy
by Almenberg, Johan & Gerdes, Christer

2011 Exponential Growth Bias and Financial Literacy
by Almenberg, Johan & Gerdes, Christer

2011 A Regulatory approach to financial product advice and distribution
by M. Sahoo & Renuka Sane

2011 Income Shocks and Household Risk-Coping Strategies: Evidence from Rural Vietnam
by Carol Newman & Fiona Wainwright

2011 Social Capital and Savings Behaviour: Evidence from Vietnam
by Carol Newman & Finn Tarp & Katleen Van Den Broeck

2011 Credit Constraints in Education
by Lance Lochner & Alexander Monge-Naranjo

2011 The context effect in the choice of earthquake insurance contracts in Japan
by SATO, Motohiro & SAITO, Makoto

2011 Tax Regimes and Capital Gains Realizations
by Jacob, Martin

2011 Remittances from Sweden. an Exploration of Swedish Survey Data
by Pelling, Lisa & Hedberg, Charlotta & Malmberg, Bo

2011 Gender, Stock Market Participation and Financial Literacy
by Almenberg, Johan & Dreber, Anna

2011 Price and income elasticity of Australian retail finance: An autoregressive distributed lag (ARDL) approach
by Helen Higgs & Andrew C. Worthington

2011 VAR Estimates of the Housing and Stock Wealth Effects: Cross-country Evidence
by Sheng Guo & Umut Unal

2011 Do we know what we owe? A comparison of borrower- and lender-reported consumer debt
by Brown, Meta & Haughwout, Andrew F. & Lee, Donghoon & Van der Klaauw, Wilbert

2011 An Experimental Analysis of the Brazilian Personal Credit Market
by Cláudio Ribeiro de Lucinda & Rodrigo Luiz Vieira

2011 Access to finance: a functional approach to supply and demand
by Gregory Fischer

2011 Forecasting and Stress Testing Credit Card Default Using Dynamic Models
by Bellotti, Tony & Crook, Jonathan

2011 High Leverage and Willingness to Pay: Evidence from the Residential Housing Market
by Ben-David, Itzhak

2011 The Drawdown of Personal Retirement Assets
by Poterba, James M. & Venti, Steven F. & Wise, David A.

2011 Twin picks: disentangling the determinants of risk-taking in household portfolios
by Calvet, Laurent-Emmanuel & Sodini, Paolo

2011 Household savings behaviour in crisis times
by Carin van der Cruijsen & Jakob de Haan & David-Jan Jansen & Robert Mosch

2011 Macro and micro drivers of house price dynamics: An application to Dutch data
by Gabriele Galati & Federica Teppa & Rob Alessie

2011 Funding Self-Employment: The Role of Consumer Credit
by Christoph Kneiding & Alexander S. Kritikos

2011 The Effect of Language on Economic Behavior: Evidence from Savings Rates, Health Behaviors, and Retirement Assets
by M. Keith Chen

2011 Continuous Workout Mortgages
by Robert J. Shiller & Rafal M. Wojakowski & M. Shahid Ebrahim & Mark B. Shackleton

2011 Bancarizacion y acceso a servicios financieros de beneficiarios urbanos del programa Familias en Acción
by Jorge Higinio Maldonado & María Alejandra Urrea & ma.urrea84@uniandes.edu.co

2011 Who Borrows and Who May Not Repay?
by Alena Bicakova & Zuzana Prelcova & Renata Pasalicova

2011 Impairment and Negative Equity in the Irish Mortgage Market
by Kelly, Robert & McCarthy, Yvonne & McQuinn, Kieran

2011 Behavioural Characteristics and Financial Distress
by McCarthy, Yvonne

2011 What Lies Beneath? Understanding Recent Trends in Irish Mortgage Arrears
by Lydon, Reamonn & McCarthy, Yvonne

2011 Household Debt in Seventeenth-Century Württemberg: Evidence from Personal Inventories
by Ogilvie, S. & Küpker, M. & Maegraith, J.

2011 Liquidity Constraints and High Electricity Use
by Brutscher, P.

2011 The Influence of Bank Ownership on Credit Supply : Evidence from the Recent Financial Crisis
by Fungáčová, Zuzana & Herrala, Risto & Weill, Laurent

2011 The impact of house prices on household debt when controlling for home ownership
by Dag Henning Jacobsen & Bjørn Helge Vatne

2011 Subprime Consumer Credit Demand: Evidence from a Lender?sPricing Experiment
by Sule Alan & Ruxandra Dumitrescu & Gyongyi Loranth

2011 Behavioural Characteristics and Financial Distress
by Yvonne McCarthy

2011 Household Sector Borrowing in the Euro Area: A Micro Data Persective
by Ramon Gomez-Salvador & Adriana Lojschova & Thomas Westermann

2011 Wealth mobility and dynamics over entire individual working life cycles
by Stefan Hochguertel & Henry Ohlsson

2011 Who lost the most? Financial Literacy, Cognitive Abilities, and the Financial Crisis
by Tabea Bucher-Koenen & Michael Ziegelmeyer

2011 Economic Rationality, Risk Presentation, and Retirement Portfolio Choice
by Hazel Bateman & Christine Ebling & John Geweke & Jordan Louviere & Stephen Satchell & Susan Thorp

2011 Financial Competence, Risk Presentation and Retirement Portfolio Preferences
by Hazel Bateman & Christine Eckert & John Geweke & Jordan Louviere & Stephen Satchell & Susan Thorp

2011 Individual Post-Retirement Longevity Risk Management Under Systematic Mortality Risk
by Katja Hanewald & John Piggott & Michael Sherris

2011 Longevity Risk, Subjective Survival Expectations, and Individual Saving Behavior
by Thomas Post & Katja Hanewald

2011 Two New Measures Of Household-Level Investment Risk
by Laurence G. TAFF

2011 Financial Socialization of College Students: A Comparison of University Students in Ankara and Florida
by Zeynep ÇOPUR & Michael S. GUTTER

2011 Household Leverage and the Recession of 2007 to 2009
by Atif Mian & Amir Sufi

2011 OeNB Euro Survey: Growing Uncertainty, but Overall Euroization Not Affected
by Elisabeth Beckmann & Sandra Dvorsky & Thomas Scheiber

2011 How the Crisis Affected Foreign Currency Borrowing in CESEE: Microeconomic Evidence and Policy Implications
by Elisabeth Beckmann & Thomas Scheiber & Helmut Stix

2011 Pre-crisis household consumption behaviour and its heterogeneity according to income, on the basis of micro statistics
by Zsuzsanna Hosszú

2011 Factores determinantes de la demanda eléctrica de los hogares en España: una aproximación mediante regresión cuantílica/Determinants of Household Electricity Demand in Spain: An Approach through Quantile Regression
by MEDINA, EVA & VICÉNS, JOSÉ

2011 The Effect of Ownership Rights on Urban Households' Access to Credit in Lahore
by Misha Saleem

2011 The Rationale Behind Informal Finance: Evidence from Roscas in Bolivia
by Sebastian Baixeras Donoso & Yener Altunbaş & Alper Kara

2011 La Gerencia De Portafolio De Tarjetas De Credito En Colombia
by Santiago Garcia Carvajal & Fernando Aleman Ramirez

2011 Entrepreneurship Under Severe Adverse Conditions: The Northwest Mexican Case
by José Gabriel Aguilar Barceló & Alejandro Mungaray Lagarda & Martín Ramírez Urquidy & Natanael Ramírez Angulo

2011 Decomposing the age effect on risk tolerance
by Yao, Rui & Sharpe, Deanna L. & Wang, Feifei

2011 Investors’ trading activity: A behavioural perspective and empirical results
by Kourtidis, Dimitrios & Šević, Željko & Chatzoglou, Prodromos

2011 Impulsivity and household indebtedness: Evidence from real life
by Ottaviani, Cristina & Vandone, Daniela

2011 Financial capability and psychological health
by Taylor, Mark P. & Jenkins, Stephen P. & Sacker, Amanda

2011 Frequency of price increases and perceived inflation. An experimental investigation
by Huber, Odilo W.

2011 Inflation and Financial Sector Correlation: The Case of Bangladesh
by Abu N. M. Wahid & Muhammad Shahbaz & Pervaz Azim

2011 Employee Benefits in the Hospitality Industry in the US: Inhospitable for Employees?
by Chatterjee, S. & Lauderdale, M & Gilliam, J

2011 Einkommensumverteilung schwächt privaten Verbrauch
by Karl Brenke

2011 Internet-Kreditplattformen ziehen immer mehr traditionelle Kreditnehmer an
by Nataliya Barasinska & Nicola Jentzsch & Dorothea Schäfer

2011 Verschuldung der privaten Haushalte in der Krise nicht erhöht
by Marlene Karl & Dorothea Schäfer

2011 Einkommens- und Vermögenssituation der Babyboomer
by Michela Coppola

2011 Does a change of occupation lead to higher earnings?
by Marek Pęczkowski & Barbara Liberda

2011 Logros, retos y oportunidades para el mercado del microfinanciamiento en colombia
by Hugo Alfonso Hernández Escolar & Jhon Alexander Méndez Sayago & Nubia Stella Carreño Amaya

2011 In Search of Excellence in Research and Policy Advice: Success Factors for International Competitiveness
by Meinhard Knoche

2011 Credit card holders, convenience users and revolvers: A tobit model with binary selection and ordinal treatment
by Andrew K.G. Tan & Steven T. Yen & Yiing Jia Loke

2011 The impact of the functional characteristics of a credit bureau on the level of indebtedness per capita: Evidence from East European countries
by Vladimir Simovic & Vojkan Vaskovic & Marko Rankovic & Slobodan Malinic

2011 Monetary and credit developments in France: 2010, the year of the recovery
by Montornès, J.

2011 Les portefeuilles-titres des résidents français entre 2007 et 2010 d’après les statistiques de détention « titre par titre » de la Banque de France
by LE ROUX, J.

2011 La destination finale des placements financiers des ménages français
by BACHELLERIE, A. & BIROUK, O. & PFISTER, C.

2011 L’évolution de la monnaie et du crédit en France : 2010, l’année de la reprise
by MONTORNÈS, J.

2011 Early twentieth-century Japanese worker saving: precautionary behaviour before a social safety net
by John A. James & Isao Suto

2011 The Composition and Drawdown of Wealth in Retirement
by James Poterba & Steven Venti & David Wise

2011 Annuitization Puzzles
by Shlomo Benartzi & Alessandro Previtero & Richard H. Thaler

2011 Consumer Financial Protection
by John Y. Campbell & Howell E. Jackson & Brigitte C. Madrian & Peter Tufano

2011 Capital Income Taxes with Heterogeneous Discount Rates
by Peter Diamond & Johannes Spinnewijn

2011 Just Keep My Money! Supporting Tax-Time Savings with US Savings Bonds
by Peter Tufano

2011 Did Bankruptcy Reform Cause Mortgage Defaults to Rise?
by Wenli Li & Michelle J. White & Ning Zhu

2011 How Do 401(k)s Affect Saving? Evidence from Changes in 401(k) Eligibility
by Alexander M. Gelber

2011 Personal Retirement Accounts and Saving
by Emma Aguila

2011 Payment Choice, Image Motivation and Contributions to Charity: Evidence from a Field Experiment
by Adriaan R. Soetevent

2011 Hyperbolic Discounting and the Sustainability of Rotational Savings Arrangements
by Karna Basu

2011 Financial Constraints and Inflated Home Prices during the Real Estate Boom
by Itzhak Ben-David

2010 Eine Analyse der Wohnungsbauprämienförderung aus empirischer Sicht
by Waldemar Rotfuß & Peter Westerheide

2010 Broke, Ill, and Obese: The Effect of Household Debt on Health
by Keese, Matthias & Schmitz, Hendrik

2010 The Effect of Saving Subsidies on Household Saving – Evidence from Germanys
by Corneo, Giacomo & Keese, Matthias & Schröder, Carsten

2010 Who Feels Constrained by High Debt Burdens? – Subjective vs. Objective Measures of Household Indebtedness
by Keese, Matthias

2010 The effect of saving subsidies on household saving: Evidence from Germany
by Corneo, Giacomo & Keese, Matthias & Schröder, Carsten

2010 Stockholding: From Participation to Location and to Participation Spillovers
by Dimitris Christelis & Dimitris Georgarakos & Michael Haliassos

2010 Household Economic Decisions under the Shadow of Terrorism
by Dimitris Christelis & Dimitris Georgarakos

2010 The Influence of Retiree Health Benefits on Retirement Patterns
by James Marton & Stephen A. Woodbury

2010 Health Cost Risk and Optimal Retirement Provision : A Simple Rule for Annuity Demand
by Peijnenburg, J.M.J. & Nijman, T.E. & Werker, B.J.M.

2010 When Can Insurers Offer Products That Dominate Delayed Old-Age Pension Benefit Claiming?
by Sanders, E.A.T. & De Waegenaere, A.M.B. & Nijman, T.E.

2010 Optimal Annuitization with Incomplete Annuity Markets and Background Risk During Retirement
by Peijnenburg, J.M.J. & Nijman, T.E. & Werker, B.J.M.

2010 Competing Risks in a Time on the Market Analysis
by Erik R. de Wit

2010 The Downside Risk of Postponing Social Security Benefits
by Joseph Friedman & Herbert E Phillips

2010 Microfinance and Women's Empowerment: Do Relationships Between Women Matter? Lessons from rural Southern India
by Isabelle Guérin & Santosh Kumar & Isabelle Agier

2010 How General Are Risk Preferences? Choices Under Uncertainty in Different Domains
by Mark Cullen & Liran Einav & Amy Finkelstein & Iuliana Pascu

2010 Social Interaction and Stock Market Participation: Evidence from British Panel Data
by Sarah Brown & Karl Taylor

2010 Gambling and the use of credit: an individual and household level analysis
by Sarah Brown & Andy Dickerson & Jolian McHardy & Karl Taylor

2010 No-Fault Divorce and Rent-Seeking
by S. BRACKE & K. SCHOORS & G. VERSCHELDEN

2010 Universalizing Complete Access to Finance: Key Conceptual Issues
by Rai, Suyash & Ananth, Bindu & Mor, Nachiket

2010 Unconditional Quantile Treatment Effects in the Presence of Covariates
by David Powell

2010 Do Risk Disclosures Affect Investment Choice?
by Angela A. Hung & Aileen Heinberg & Joanne K. Yoong

2010 Individuals' Uncertainty about Future Social Security Benefits and Portfolio Choice
by Adeline Delavande & Susann Rohwedder

2010 An Empirical Analysis of Determinants of Recent Federal Personal Income Tax Evasion in the U.S
by Cebula, Richard

2010 Personal-bankruptcy cycles
by Garrett, Thomas A. & Wall, Howard J.

2010 Personal-bankruptcy cycles
by Garrett, Thomas A. & Wall, Howard J.

2010 Fertility and Consumption when Having a Child is a Risky Investment
by Gete, Pedro & Porchia, Paolo

2010 Predicting Sustainable Retirement Withdrawal Rates Using Valuation and Yield Measures
by Pfau, Wade Donald

2010 Islamic Business Contracts and Microfinance-A Case of Mudaraba
by Nadeem, Azhar

2010 Will 2000-era retirees experience the worst retirement outcomes in U.S. history? A progress report after 10 years
by Pfau, Wade Donald

2010 Individual wealth accumulation: Why does dining together as a family matter?
by Chatterjee, Swarn & Palmer, Lance & Goetz, Joseph

2010 Different Effects of Financial Literacy and Financial Education in Germany
by Pahnke, Luise & Honekamp, Ivonne

2010 Self-control and debt: evidence from data on credit counselling
by Nur Ata Nurcan & Alena Bicakova

2010 The Time-crunch Paradox
by Almudena Sevilla-Sanz & Jose Ignacio Gimenez-Nadal

2010 Assessing Default Investment Strategies in Defined Contribution Pension Plans
by Pablo Antolín & Stéphanie Payet & Juan Yermo

2010 Policy Action in Private Occupational Pensions in Japan since the Economic Crisis of the 1990s
by Ministry of Health, Labour and Welfare, Japan & Junichi Sakamoto

2010 The Portfolio Size Effect and Lifecycle Asset Allocation Funds: A Different Perspective
by Wade D. Pfau

2010 Starting a New Chapter: The Role of Credit Counseling in Helping Debtors Recover from Bankruptcy
by Angela C. Lyons & Shawn Howard & Eric Scherpf

2010 The Inefficiency of Refinancing: Why Prepayment Penalties Are Good for Risky Borrowers
by Christopher J. Mayer & Tomasz Piskorski & Alexei Tchistyi

2010 Risk Aversion and Wealth: Evidence from Person-to-Person Lending Portfolios
by Daniel Paravisini & Veronica Rappoport & Enrichetta Ravina

2010 Inertia and Overwithholding: Explaining the Prevalence of Income Tax Refunds
by Damon Jones

2010 Twin Picks: Disentangling the Determinants of Risk-Taking in Household Portfolios
by Laurent E. Calvet & Paolo Sodini

2010 Reassessing FHA Risk
by Diego Aragon & Andrew Caplin & Sumit Chopra & John V. Leahy & Yann LeCun & Marco Scoffier & Joseph Tracy

2010 How general are risk preferences? Choices under uncertainty in different domains
by Liran Einav & Amy Finkelstein & Iuliana Pascu & Mark R. Cullen

2010 Impulsivity and household indebtedness
by Cristina OTTAVIANI & Daniela VANDONE

2010 Stockholding: Participation, Location, and Spillovers
by Haliassos, Michael & Christelis, Dimitris & Georgarakos, Dimitris

2010 The Biased Effect of Aggregated and Disaggregated Income Taxation on Investment Decisions
by Martin Fochmann & Dirk Kiesewetter & Abdolkarim Sadrieh

2010 Investment Behavior and the Biased Perception of Limited Loss Deduction in Income Taxation
by Martin Fochmann & Dirk Kiesewetter & Abdolkarim Sadrieh

2010 Measuring Poverty Using Both Income and Wealth: An Empirical Comparison of Multidimensional Approaches Using Data for the U.S. and Spain
by Francisco Azpitarte

2010 Personal Bankruptcy: Reconciling Adverse Events and Strategic Timing Hypotheses Using Heterogeneity in Filing Types
by Li Gan & Tarun Sabarwal & Shuoxun Zhang

2010 Income Pooling and Household Division of Labor: Evidence from Danish Couples
by Amuedo-Dorantes, Catalina & Bonke, Jens & Grossbard, Shoshana

2010 Income Pooling and Household Division of Labor: Evidence from Danish Couples
by Amuedo-Dorantes, Catalina & Bonke, Jens & Grossbard, Shoshana

2010 Social Interaction and Stock Market Participation: Evidence from British Panel Data
by Brown, Sarah & Taylor, Karl

2010 Social Interaction and Stock Market Participation: Evidence from British Panel Data
by Brown, Sarah & Taylor, Karl

2010 Gambling and the Use of Credit: An Individual and Household Level Analysis
by Brown, Sarah & Dickerson, Andy & McHardy, Jolian & Taylor, Karl

2010 Gambling and the Use of Credit: An Individual and Household Level Analysis
by Brown, Sarah & Dickerson, Andy & McHardy, Jolian & Taylor, Karl

2010 Mortgage Finance in Central and Eastern Europe: Opportunity or Burden?
by Beck, Thorsten & Kibuuka, Katie & Tiongson, Erwin R.

2010 Mortgage Finance in Central and Eastern Europe: Opportunity or Burden?
by Beck, Thorsten & Kibuuka, Katie & Tiongson, Erwin R.

2010 Stochastic Mortality, Subjective Survival Expectations, and Individual Saving Behavior
by Thomas Post & Katja Hanewald

2010 Sociodemographic, Economic, and Psychological Drivers of the Demand for Life Insurance: Evidence from the German Retirement Income Act
by Carolin Hecht & Katja Hanewald

2010 Financial Frictions and Total Factor Productivity: Accounting for the Real Effects of Financial Crises
by Sangeeta Pratap & Carlos Urrutia

2010 Financial Crises and Labor Market Turbulence
by Sangeeta Pratap & Erwan Quintin

2010 地震保険加入行動におけるコンテクスト効果について
by 佐藤, 主光 & 齊藤, 誠

2010 Reducing Vulnerability through Microfinance: Evidence from Indian Self Help Group Program
by Bali Swain, Ranjula & Floro, Maria

2010 How important is variability in consumer credit limits?
by Fulford, Scott L.

2010 Keeping it simple: financial literacy and rules of thumb
by Alejandro Drexler & Gregory Fischer & Antoinette Schoar

2010 The Regulation of Consumer Financial Products: An Introductory Essay with Four Case Studies
by Campbell, John Y. & Jackson, Howell E. & Madrian, Brigitte C. & Tufano, Peter

2010 Universalizing Complete Access to Finance : Key Conceptual Issues
by Suyash Rai & Bindu Ananth & Nachiket Mor

2010 Universalizing Complete Access to Finance : Key Conceptual Issues
by Suyash Rai & Bindu Ananth & Nachiket Mor

2010 Universalizing Complete Access to Finance : Key Conceptual Issues
by Suyash Rai & Bindu Ananth & Nachiket Mor

2010 Universalizing Complete Access to Finance : Key Conceptual Issues
by Suyash Rai & Bindu Ananth & Nachiket Mor

2010 Marital Status is Misunderstood in Happiness Models
by Bruce Chapman & Cahit Guven

2010 Profitability of Pension Contributions: Evidence from Real-Life Employment Biographies
by Carsten Schröder

2010 Broke, Ill, and Obese: The Effect of Household Debt on Health
by Matthias Keese & Hendrik Schmitz

2010 Housing purchases and the dynamics of housing wealth
by Bover, Olympia

2010 Perceptions, Expectations, and Entrepreneurship: The Role of Extreme Events
by Brück, Tilman & Llussá, Fernanda & Tavares, José

2010 Trading on Advice
by Hackethal, Andreas & Inderst, Roman & Meyer, Steffen

2010 Keeping it Simple: Financial Literacy and Rules of Thumb
by Drexler, Alejandro & Fischer, Greg & Schoar, Antoinette S

2010 Durable consumption and asset management with transaction and observation costs
by Alvarez, Fernando & Guiso, Luigi & Lippi, Francesco

2010 Estrategias de suavización del consumo y del ingreso de las madres beneficiarias del programa Familias en Acción: un análisis cualitativo
by Jorge H. Maldonado & Rocío del Pilar Moreno-Sánchez & romoreno@uniandes.edu.co

2010 Who Borrows and Who May Not Repay?
by Alena Bicakova & Zuzana Prelcova & Renata Pasalicova

2010 Over-indebtedness and the interplay of factual and mental money management: An interview study
by Bernadette Kamleitner & Bianca Hornung & Erich Kirchler

2010 Remittances, Banking Status and the Usage of Insurance Schemes
by Dorothee Crayen & Christa Hainz & Christiane Ströh de Martinez

2010 Tax Incentives, Bequest Motives, and the Demand for Life Insurance: Evidence from two Natural Experiments in Germany
by Nicolas Sauter & Jan Walliser & Joachim Winter

2010 An analysis of the determinants of risk attitudes in Ireland and the United Kingdom
by McQuinn, Kieran & O’Donnell, Nuala

2010 Social Welfare Issues of Financial Literacy
by Satchell, S. & Williams, O.J.

2010 What Determines Financial Exclusion? Evidence from Bolivian Household Data
by Yener Altunbas & John Thornton & Alper Kara

2010 Matching Matters in 401(k) Plan Participation
by Keenan Dworak-Fisher

2010 Housing purchases and the dynamics of housing wealth
by Olympia Bover

2010 Reducing Vulnerability through Microfinance: Assessing the Impact of Self-Help Groups in India
by Ranjula Bali Swain & Maria S. Floro

2010 The Effects of Marriage and Divorce on Financial Investments: Learning to Love or Hate Risk?
by Charlotte Christiansen & Juanna Schröter Joensen & Jesper Rangvid

2010 Financial education and consumers’ willingness to change behavior
by Chatterjee, Swarn & Green-Pimentel, Leslie & Turner, Pamela

2010 Default Mortgage Profile: A Micro Analysis Of The Portuguese Case
by João Rebelo & José Vaz Caldas

2010 A Rescue Plan for the Finances of Consumer – the Incomes and Expenses
by Lupasc Ioana & Lupasc Adrian & Zamfir Cristina Gabriela

2010 Euro Survey of Spring 2010: Sovereign Debt Crisis Left Traces in CESEE Households' Sentiment, Foreign Currency Portfolios Broadly Unchanged
by Sandra Dvorsky & Thomas Scheiber & Helmut Stix

2010 Real Effects of Crisis Have Reached CESEE Households: Euro Survey Shows Dampened Savings and Changes in Borrowing Behavior
by Sandra Dvorsky & Thomas Scheiber & Helmut Stix

2010 Household Investment Asset Variation And Wealth
by Nathaniel J. Harness & Michael M. Finke & Swarn Chatterjee

2010 The household wealth distribution in Spain: The role of housing and financial wealth
by Francisco Azpitarte

2010 Évolution de la monnaie et du crédit en France en 2009
by MOSQUERA YON, T.

2010 Characteristics Of Family Businesses In Albania – A Statistical Study
by Lect. Ph.D Brikena Leka & Lect. Ph.D Rezarta Shkurti

2010 Buying Better For Your Money: The Smart Buyer’s Decalogue
by Carmen Costea & Laura Libardea-Vlăducă

2010 Economic Theory and the World of Practice: A Celebration of the ( S , s ) Model
by Andrew Caplin & John Leahy

2010 What the Stock Market Decline Means for the Financial Security and Retirement Choices of the Near-Retirement Population
by Alan L. Gustman & Thomas L. Steinmeier & Nahid Tabatabai

2010 Are Tax Incentives for Charitable Giving Efficient? Evidence from France
by Gabrielle Fack & Camille Landais

2010 Inequality and Markets: Some Implications of Occupational Diversity
by Dilip Mookherjee & Debraj Ray

2010 Accounting for the Rise in Consumer Bankruptcies
by Igor Livshits & James MacGee & Michèle Tertilt

2010 Why Are Saving Rates of Urban Households in China Rising?
by Marcos D. Chamon & Eswar S. Prasad

2010 (Over)insuring Modest Risks
by Justin Sydnor

2010 Information, Preferences, and Public Benefit Participation: Experimental Evidence from the Advance EITC and 401(k) Savings
by Damon Jones

2010 Parents' Incomes and Children's Outcomes: A Quasi-experiment Using Transfer Payments from Casino Profits
by Randall K. Q. Akee & William E. Copeland & Gordon Keeler & Adrian Angold & E. Jane Costello

2010 Present-Biased Preferences and Credit Card Borrowing
by Stephan Meier & Charles Sprenger

2010 Intertemporal Consumption and Credit Constraints: Does Total Expenditure Respond to an Exogenous Shock to Credit?
by Søren Leth-Petersen

2010 The Failure and Promise of Mandated Consumer Mortgage Disclosures: Evidence from Qualitative Interviews and a Controlled Experiment with Mortgage Borrowers
by James M. Lacko & Janis K. Pappalardo

2010 Consumer Confusion in the Mortgage Market: Evidence of Less Than a Perfectly Transparent and Competitive Market
by Susan E. Woodward & Robert E. Hall

2010 The Great Recession: Lessons from Microeconomic Data
by Atif Mian & Amir Sufi

2010 Learning to Cope: Voluntary Financial Education and Loan Performance during a Housing Crisis
by Sumit Agarwal & Gene Amromin & Itzhak Ben-David & Souphala Chomsisengphet & Douglas D. Evanoff

2010 What "Triggers" Mortgage Default?
by Ronel Elul & Nicholas S. Souleles & Souphala Chomsisengphet & Dennis Glennon & Robert Hunt

2010 Gender Differences in Wealth at Retirement
by Urvi Neelakantan & Yunhee Chang

2009 Optimale Darlehensbündel in der privaten Immobilienfinanzierung
by Dennis Kundisch & Jochen Dzienziol

2009 Triggers and Determinants of Severe Household Indebtedness in Germany
by Keese, Matthias

2009 The Competition between Relationship-Based Microfinance and Transaction Lending
by Schrader, Jan

2009 Investing at home and abroad: Different costs, different people
by Christelis, Dimitris & Georgarakos, Dimitris

2009 Debt literacy, financial experiences, and overindebtedness
by Lusardi, Annamaria & Tufano, Peter

2009 Stockholding: From participation to location and to participation spillovers
by Christelis, Dimitris & Georgarakos, Dimitris & Haliassos, Michael

2009 Household economic decisions under the shadow of terrorism
by Christelis, Dimitris & Georgarakos, Dimitris

2009 Behavioral Biases in Annuity Choice: An Experiment
by Robert S. Gazzale & Lina Walker

2009 Limited understanding of individual retirement accounts among chileans
by Claudia Martínez & Claudia sahm

2009 How to Adapt to Changing Markets: Experience and Personality in a Repeated Investment Game
by Hopfensitz, Astrid & Wranik, Tanja

2009 Who Gets the Credit? And Does it Matter? Household vs Firm Lending Across Countries
by Beck, T.H.L. & Büyükkarabacak, B. & Rioja, F. & Valev, N.

2009 Estimating Welfare in Insurance Markets Using Variation in Prices
by Mark Cullen & Liran Einav & Amy Finkelstein

2009 Stockholding: From Participation to Location and to Participation Spillovers
by Dimitrios Christelis & Dimitris Georgarakos & Michael Haliassos

2009 Household Economic Decisions under the Shadow of Terrorism
by Dimitrios Christelis & Dimitris Georgarakos

2009 Estimating the Stochastic Sickness Effect on Employment, Worktime and Saving Decisions
by Chiang-Ming Chen & Kuo-Liang Chang

2009 What Explains the Gender Gap in Financial Literacy? The Role of Household Decision-Making
by Raquel Fonseca & Kathleen Mullen & Gema Zamarro & Julie Zissimopoulos

2009 Saving for retirement and retirement investment choices
by Monica Paiella & Andrea Tiseno

2009 Is the Theory of Planned Behaviour Valid for Islamic home financing?
by Amin, Hanudin & Abdul-Rahman, Abdul-Rahim & Abdul-Razak, Dzuljastri

2009 Pensions at a glance: Asia/Pacific
by Whitehouse, Edward

2009 Fibrations of financial events
by Carfì, David

2009 Litigations, Damages And Solutions In Residential Mortgage-Backed Securities
by Jomadar, Dinesh

2009 Perceived financial barriers and the start-up decision: An econometric analysis of gender differences using GEM data
by Stephen, Roper & Jonathan M., Scott

2009 Microenvironment-specific Effects in the Application Credit Scoring Model
by Khudnitskaya, Alesia S.

2009 Optimal Cash Management Under Uncertainty
by Bensoussan, Alain & Chutani, Anshuman & Sethi, Suresh

2009 Relative indicators of default risk among UK residential mortgages
by Mitropoulos, Atanasios & Zaidi, Rida

2009 How to adapt to changing markets: experience and personality in a repeated investment game
by Hopfensitz, Astrid & Wranik, Tanja

2009 Défaut de paiement stratégique et loi sur les défaillances d'entreprises
by Chopard, Bertrand & Langlais, Eric

2009 Az új paternalizmus: a nem-racionális hitelfelvevõi magatartás és a túlzott eladósodás néhány gazdasági viselkedéstani összefüggése
by Zoltán Szabó

2009 Who borrows among the poor? MC use determinants in Guatemala, with particular reference to social ties
by Masako Hasegawa

2009 Euroization in Central, Eastern and Southeastern Europe – New Evidence On Its Extent and Some Evidence On Its Causes
by Thomas Scheiber & Helmut Stix

2009 Investment Risk and Pensions: Impact on Individual Retirement Incomes and Government Budgets
by Edward R. Whitehouse & Anna Christina D'Addio & Andrew Reilly

2009 Pensions, Purchasing-Power Risk, Inflation and Indexation
by Edward R. Whitehouse

2009 Investment Risk and Pensions: Measuring Uncertainty in Returns
by Anna Christina D'Addio & José Seisdedos & Edward R. Whitehouse

2009 Filling the Pension Gap: Coverage and Value of Voluntary Retirement Savings
by Pablo Antolín & Edward R. Whitehouse

2009 Framework for the Development of Financial Literacy Baseline Surveys: A First International Comparative Analysis
by Elaine Kempson

2009 Investment Regulations and Defined Contribution Pensions
by Pablo Antolín & Sandra Blome & David Karim & Stéphanie Payet & Gerhard Scheuenstuhl & Juan Yermo

2009 Private Pensions and Policy Responses to the Financial and Economic Crisis
by Pablo Antolín & Fiona Stewart

2009 Lifecycle Funds and Wealth Accumulation for Retirement: Evidence for a More Conservative Asset Allocation as Retirement Approaches
by Wade D. Pfau

2009 An Optimizing Framework for the Glide Paths of Lifecycle Asset Allocation Funds
by Wade D. Pfau

2009 Lifecycle Funds and Wealth Accumulation for Retirement:Evidence for a More Conservative Asset Allocation as Retirement Approaches
by Wade D. Pfau

2009 A Tool for Getting By or Getting Ahead? Consumers’ Views on Prepaid Cards
by Jennifer Romich & Sarah Gordon & Eric Waithaka

2009 Which Students Are More Likely to Experience Financial Socialization Opportunities? Exploring the Relationship between Financial Behaviors and Financial Well-Being of College Students
by Michael Gutter & Zeynep Copur & Selena Garrison

2009 How Do Retirees Value Life Annuities? Evidence from Public Employees
by John Chalmers & Jonathan Reuter

2009 Utility from Accumulation
by Louis Kaplow

2009 Financial Literacy and Financial Sophistication Among Older Americans
by Annamaria Lusardi & Olivia S. Mitchell & Vilsa Curto

2009 Extending Life Cycle Models of Optimal Portfolio Choice: Integrating Flexible Work, Endogenous Retirement, and Investment Decisions with Lifetime Payouts
by Jingjing Chai & Wolfram Horneff & Raimond Maurer & Olivia S. Mitchell

2009 Obfuscation, Learning, and the Evolution of Investor Sophistication
by Bruce Ian Carlin & Gustavo Manso

2009 How Does Simplified Disclosure Affect Individuals' Mutual Fund Choices?
by John Beshears & James J. Choi & David Laibson & Brigitte C. Madrian

2009 Depression Babies: Do Macroeconomic Experiences Affect Risk-Taking?
by Ulrike Malmendier & Stefan Nagel

2009 Is Lottery Gambling Addictive?
by Jonathan Guryan & Melissa Schettini Kearney

2009 Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?
by Sumit Agarwal & Paige M. Skiba & Jeremy Tobacman

2009 Postal payment services in Hungary
by Anikó Turján

2009 Financial Literacy and Private Old-age Provision in Germany
by Bucher-Koenen, Tabea

2009 Universal Health Insurance Coverage: Progress and Issues. Twenty-first Annual Herbert Lourie Memorial Lecture on Health Policy
by Jonathan Gruber

2009 Savings in Latvia
by Agnese Bicevska & Aleksejs Melihovs & Krista Kalnberzina

2009 Mortgage Indebtedness and Household Financial Distress
by Georgarakos, Dimitris & Lojschova, Adriana & Ward-Warmedinger, Melanie E.

2009 Mortgage Indebtedness and Household Financial Distress
by Georgarakos, Dimitris & Lojschova, Adriana & Ward-Warmedinger, Melanie E.

2009 Present-Biased Preferences and Credit Card Borrowing
by Meier, Stephan & Sprenger, Charles

2009 Present-Biased Preferences and Credit Card Borrowing
by Meier, Stephan & Sprenger, Charles

2009 Individual Welfare Gains from Deferred Life-Annuities under Stochastic Lee-Carter Mortality
by Thomas Post

2009 The Role of Television in Household Debt: Evidence from the 1950's
by Matthew J. Baker & Lisa M. George

2009 Pension Entitlements and Wealth Accumulation
by Hernæs, Erik & Zhu, Weizhen

2009 Household Asset Portfolio Diversification: Evidence from the Household, Income and Labour Dynamics in Australia (HILDA) Survey
by Andrew C. Worthington

2009 Commitment Contracts
by Gharad Bryan & Dean Karlan & Scott Nelson

2009 What's Advertising Content Worth? Evidence from a Consumer Credit Marketing Field Experiment
by Marianne Bertrand & Sendhil Mullainathan & Dean Karlan & Eldar Shafir & Jonathan Zinman

2009 Commitment Contracts
by Bryan, Gharad & Karlan, Dean & Nelson, Scott

2009 What's Advertising Content Worth? Evidence from a Consumer Credit Marketing Field Experiment
by Bertrand, Marianne & Karlan, Dean & Mullainathan, Sendhil & Shafir, Eldar & Zinman, Jonathan

2009 Learning to Cope: Voluntary Financial Education Programs and Loan Performance during a Housing Crisis
by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D.

2009 Triggers and Determinants of Severe Household Indebtedness in Germany
by Matthias Keese

2009 Financial Risk Aversion and Household Asset Diversification
by Nataliya Barasinska & Dorothea Schäfer & Andreas Stephan

2009 Foreign Currency Borrowing: The Case of Hungary
by Gábor Pellényi & Péter Bilek

2009 Debt Literacy, Financial Experiences, and Overindebtedness
by Annamaria Lusardi & Peter Tufano

2009 Who Gets the Credit? And Does It Matter? Household vs. Firm Lending across Countries
by Beck, Thorsten & Büyükkarabacak, Berrak & Rioja, Felix & Valev, Neven

2009 Consumer Financial Capability: A Comparison of the UK and Ireland
by O’Donnell, Nuala

2009 Financial Capability:New Evidence for Ireland
by Keeney, Mary J. & O’Donnell, Nuala

2009 Credit crunch? : An empirical test of cyclical credit policy
by Herrala, Risto

2009 Simulations du ratio du service de la dette des consommateurs en utilisant des données micro
by Ramdane Djoudad

2009 The Failure of Northern Rock - A Multidimensional Case Study
by Tim Congdon & Charles A.E. Goodhart & Robert A. Eisenbeis & George G. Kaufman & Paul Hamalainen & Rosa M. Lastra & David T. Llewellyn & David G. Mayes & Geoffrey Wood & Alastair Milne & Marco Onado & Michael Taylor

2009 Austrian Households’ Equity Capital – Evidence from Microdata
by Michael Andreasch & Pirmin Fessler

2009 Housing Finance of Austrian Households
by Nicolas Albacete & Karin Wagner

2009 Housing Wealth of Austrian Households
by Pirmin Fessler & Peter Mooslechner & Martin Schürz & Karin Wagner

2009 CESEE Households amid the Financial Crisis: Euro Survey Shows Darkened Economic Sentiment and Changes in Savings Behavior
by Sandra Dvorsky & Thomas Scheiber & Helmut Stix

2009 The 2008 Fall Wave of the OeNB Euro Survey – A First Glimpse of Households’ Reactions to the Global Financial Crisis
by Sandra Dvorsky & Thomas Scheiber & Helmut Stix

2009 The Economic History of Sovereignty: Communal Responsibility, the Extended Family, and the Firm
by Lars Boerner & Albrecht Ritschl

2009 Immigrants Have Lower Participation Rates In U.S. Financial Markets?
by Swarn Chatterjee

2009 An Examination Of Short-Term Borrowing In The United States
by Swarn Chatterjee & Joseph Goetz & Lance Palmer

2009 Financial Management Practices Of College Students
by Kayla Allen & Victoria Kinchen

2009 Private Households Display Strong Aversion to Investment Risk
by Nataliya Barasinska & Dorothea Schäfer & Andreas Stephan

2009 Verbraucherpolitik im Bereich der Finanzdienstleistungen muss mehr sein als Bereitstellung von Information
by Achim Tiffe

2009 The determinants of Greek household indebtedness and financial stress
by Theodoros M. Mitrakos & George T. Simigiannis

2009 Developments in money and credit in France in 2008
by Demuynck, J. & Montornes, J.

2009 Évolutions de la monnaie et du crédit en France en 2008
by DEMUYNCK, J. & MONTORNES, J.

2009 Knowing makes free. Thoughts about financial education
by Umberto Filotto

2009 Life-Cycle Finance and the Design of Pension Plans
by Zvi Bodie & Jérôme Detemple & Marcel Rindisbacher

2009 Consumer Finance
by Peter Tufano

2009 Problems of access to structural funds by the private sector
by Roxana NANU & Ramona GRUESCU

2009 The entropy theory implications in behavioural finance
by Aurora MURGEA

2009 The Riester Scheme and Private Savings: An Empirical Analysis based on the German SOEP
by Giacomo Corneo & Matthias Keese & Carsten Schröder

2009 Changing Household Financial Opportunities and Economic Security
by Karen E. Dynan

2009 The Evolution of Medical Spending Risk
by Jonathan Gruber & Helen Levy

2009 The Rise in Mortgage Defaults
by Christopher Mayer & Karen Pence & Shane M. Sherlund

2009 Heterogeneity in Intra-monthly Consumption Patterns, Self-Control, and Savings at Retirement
by Giovanni Mastrobuoni & Matthew Weinberg

2009 Details Matter: The Impact of Presentation and Information on the Take-Up of Financial Incentives for Retirement Saving
by Emmanuel Saez

2009 Are Women More Credit Constrained? Experimental Evidence on Gender and Microenterprise Returns
by Suresh de Mel & David McKenzie & Christopher Woodruff

2009 Educational Debt Burden and Career Choice: Evidence from a Financial Aid Experiment at NYU Law School
by Erica Field

2009 Spousal Control and Intra-household Decision Making: An Experimental Study in the Philippines
by Nava Ashraf

2009 Reference-Dependent Consumption Plans
by Botond Koszegi & Matthew Rabin

2009 What Do Consumers Really Pay on Their Checking and Credit Card Accounts? Explicit, Implicit, and Avoidable Costs
by Victor Stango & Jonathan Zinman

2009 What Do High-Interest Borrowers Do with Their Tax Rebate?
by Marianne Bertrand & Adair Morse

2009 Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?
by Sumit Agarwal & Paige Marta Skiba & Jeremy Tobacman

2009 Immigration and Poverty in the United States
by Steven Raphael & Eugene Smolensky

2009 Measuring the Financial Sophistication of Households
by Laurent E. Calvet & John Y. Campbell & Paolo Sodini

2009 The Effects of Population Aging on the Relationship among Aggregate Consumption, Saving, and Income
by Karen E. Dynan & Wendy Edelberg & Michael G. Palumbo

2009 Did the 2008 Tax Rebates Stimulate Spending?
by Matthew D. Shapiro & Joel Slemrod

2009 Life Expectancy and Old Age Savings
by Mariacristina De Nardi & Eric French & John Bailey Jones

2009 Immigration and Inequality
by David Card

2009 Liquidity Constraints and Imperfect Information in Subprime Lending
by William Adams & Liran Einav & Jonathan Levin

2008 Health Insurance or Food for the Family? An Examination into Unintended Consequences
by Olufunke A. Alaba & Steven F. Koch

2008 Banking at the Checkout:are retailers really a threat to banks?
by welch, peter & worthington, steve

2008 Financial services for the unbanked in the U.S. -Why,who and what?
by worthington, steve

2008 Credit scoring in the context of European integration: is there a future for generic models?
by Andreeva, Galina & Ansell, Jake & Crook, Jonathan

2008 Üniversite öğrencilerinin kredi kartı kullanım alışkanlıkları
by Gülten YURTSEVEN

2008 Retirement saving and attitude towards financial intermediaries: Evidence for Germany
by Dummann, Kathrin

2008 Financial literacy: An essential tool for informed consumer choice?
by Lusardi, Annamaria

2008 Increasing the effectiveness of financial education in the workplace
by Lusardi, Annamaria

2008 Can governments boost voluntary retirement savings via tax incentives and subsidies? A German case study for low-income households
by Corneo, Giacomo & Keese, Matthias & Schröder, Carsten

2008 Eine Frage der Perspektive? Die Wahrnehmung von Steuern bei Anlageentscheidungen zur privaten Altersvorsorge
by Treisch, Corinna & Jordan, Silvia

2008 The Determinants of Household Risky Asset Holdings: Australian Evidence on Background Risk and Other Factors#
by Buly A Cardak & Roger K. Wilkins

2008 The Determinants of Household Risky Asset Holdings: Background Risk and Other Factors
by Buly A Cardak & Roger K. Wilkins

2008 Are Pension Savings sufficient? Perceptions and Expectations of American and Dutch Workers
by van Dalen, H.P. & Henkens, K. & Hershey, D.A.

2008 Estimating Welfare in Insurance Markets Using Variation in Prices
by Mark Cullen & Liran Einav & Amy Finkelstein

2008 Households’ Indebtedness and Financial Fragility
by Tullio Jappelli & Marco Pagano & Marco di Maggio

2008 How Do Mutual Fund Fees Affect Investor Choices? Evidence from Survey Experiments
by Jeff Dominitz & Angela A. Hung & Joanne K. Yoong

2008 How “Point Blindness” Dilutes the Value of Stock Market Reports
by Lupia, Arthur & Krupnikov, Yanna & Levine, Adam Seth & Grafstrom, Cassandra & MacMillan, William & McGovern, Erin

2008 Psychological and environmental determinants of myopic loss aversion
by Hopfensitz, Astrid & Wranik, Tanja

2008 Information needs and efficiency in banking services. A 'demand-side' approach
by Caratelli, Massimo

2008 Effizienz der staatlichen Riester-Förderung - Eine empirische Analyse mit dem Sozio-oekonomischen Panel (SOEP)
by Honekamp, Ivonne

2008 Self-esteem and Individual Wealth
by Chatterjee, Swarn & Finke, Michael & Harness, Nathaniel

2008 The Relationship of Income And Money Attitudes To Subjective Assessment of Financial Situation
by Gąsiorowska, Agata

2008 The Failure of Price Competition In The Turkish Credit Card Market
by Akin, Guzin Gulsun & Aysan, Ahmet Faruk & Kara, Gazi Ishak & Yildiran, Levent

2008 Non-price competition in credit card markets through bundling and bank level benefits
by Akin, Guzin Gulsun & Aysan, Ahmet Faruk & Kara, Gazi Ishak & Yildiran, Levent

2008 Optimizing models of a stock portfolio issued by Financial Investment Companies
by Corduneanu, Carmen & Turcas, Daniela

2008 The Nature of Poverty and Its Prospects: Pakistan Evidence
by Herani, Gobind M & Rajar, Allah Wasayo & Wasim, Mohammad Pervez & Shaikh, Riaz Ahmed

2008 The Nature of Poverty and Its Prospects: Pakistan Evidence
by Herani, Gobind M. & Wasim, Pervez & Rajar, Allah Wasayo & Shaikh, Riaz Ahmed

2008 Mobilisierung alternativer Finanzressourcen : Erfahrungen mit der Einführung von Studiengebühren
by Hans-Georg Petersen

2008 Education return and financing : donated affluence as consequence of tuition free study programs in Germany
by Hans-Georg Petersen & Markus Kirchner

2008 Euroization: What Factors drive its Persistence?
by Helmut Stix

2008 Ageing and the Payout Phase of Pensions, Annuities and Financial Markets
by Pablo Antolín

2008 Forms of Benefit Payment at Retirement
by Pablo Antolín & Colin Pugh & Fiona Stewart

2008 Policy Options for the Payout Phase
by Pablo Antolín

2008 National Annuity Markets: Features and Implications
by Rob Rusconi

2008 Financial Literacy: An Essential Tool for Informed Consumer Choice?
by Annamaria Lusardi

2008 Gender and Marital Differences in Wealth and Investment Decisions: Implications for Researchers, Financial Professionals, and Educators
by Angela Lyons & Urvi Neelakantan & Erik Scherpf

2008 Individual Investor Mutual-Fund Flows
by Zoran Ivkovich & Scott Weisbenner

2008 Estimating Welfare in Insurance Markets Using Variation in Prices
by Liran Einav & Amy Finkelstein & Mark R. Cullen

2008 Fight or Flight? Portfolio Rebalancing by Individual Investors
by Laurent E. Calvet & John Y. Campbell & Paolo Sodini

2008 Financial Literacy: An Essential Tool for Informed Consumer Choice?
by Annamaria Lusardi

2008 Household Saving Behavior: The Role of Financial Literacy, Information, and Financial Education Programs
by Annamaria Lusardi

2008 Do Real Estate Brokers Add Value When Listing Services Are Unbundled?
by B. Douglas Bernheim & Jonathan Meer

2008 Assessing household credit risk: evidence from a household survey
by Dániel Holló & Mónika Papp

2008 Households over-indebtedness in the economic literature
by Luisa ANDERLONI & Daniela VANDONE

2008 Il credito al consumo in Italia: benessere economico o fragilita’ finanziaria?
by Barbara CAVALLETTI & Corrado LAGAZIO & Daniela VANDONE

2008 Our Troubled Health Care System: Why Is It So Hard to Fix? Nineteenth Annual Herbert Lourie Memorial Lecture on Health Policy
by Judy Feder

2008 The Determinants of Household Risky Asset Holdings: Australian Evidence on Background Risk and Other Factors#
by Buly A Cardak & Roger K. Wilkins

2008 The Determinants of Household Risky Asset Holdings: Background Risk and Other Factors
by Buly A Cardak & Roger K. Wilkins

2008 The Demand for Enhanced Annuities
by Schuhmacher, Petra

2008 Entrepreneurial Moral Hazard in Income Insurance: Empirical Evidence from a Large Administrative Sample
by Mette Ejrnæs & Stefan Hochguertel

2008 The Racial Saving Gap Enigma: Unraveling the Role of Institutions
by Belton, Willie & Uwaifo Oyelere, Ruth

2008 The Racial Saving Gap Enigma: Unraveling the Role of Institutions
by Belton, Willie & Uwaifo Oyelere, Ruth

2008 Discounting Financial Literacy: Time Preferences and Participation in Financial Education Programs
by Meier, Stephan & Sprenger, Charles

2008 Discounting Financial Literacy: Time Preferences and Participation in Financial Education Programs
by Meier, Stephan & Sprenger, Charles

2008 Demand for Lottery Products: A Cross-Country Analysis
by Maria João Kaizeler & Horácio C. Faustino

2008 The Household Wealth Distribution in Spain: The Role of Housing and Financial Wealth
by Francisco Azpitarte

2008 The Impact of Individual Investment Behavior for Retirement Welfare: Evidence from the United States and Germany
by Thomas Post & Helmut Gründl & Joan Schmit & Anja Zimmer

2008 Social Interaction Effects and Choice Under Uncertainty. An Experimental Study
by Cooper, David & Rege, Mari

2008 Is Online Trading Gambling with Peanuts?
by Anderson, Anders

2008 Financial Risk Aversion and Household Asset Diversification
by Barasinska, Nataliya & Schäfer, Dorothea & Stephan, Andreas

2008 The Effects of Mandated Financial Counseling on Household Mortgage Decisions: Evidence from a Natural Experiment
by Agarwal, Sumit & Amromin, Gene & Ben-David, Itzhak & Chomsisengphet, Souphala & Evanoff, Douglas D.

2008 Sur le Revenu de Solidarité Active
by Mongin, Philippe

2008 The Flow of Household Funds in Japan
by Charles Yuji Horioka

2008 Impact of Microfinance on Rural Households in the Philippines
by Toshio Kondo & Aniceto Orbeta Jr. & Clarence Dingcong & Christine Infantado

2008 Financial Risk Aversion and Household Asset Diversification
by Nataliya Barasinska & Dorothea Schäfer & Andreas Stephan

2008 Mortgage Market Maturity and Homeownership Inequality among Young Households: A Five-Country Perspective
by Alena Bicakova & Eva Sierminska

2008 Mortgage Market Maturity and Homeownership Inequality among Young Households: A Five-Country Perspective
by Alena Bicakova & Eva M. Sierminska

2008 Financial Risk Aversion and Household Asset Diversification
by Nataliya Barasinska & Dorothea Schäfer & Andreas Stephan

2008 Learning and Microlending
by Drugov, Mikhail & Macchiavello, Rocco

2008 New Evidence on Outlet Substitution Effects in Consumer Price Index Data
by John S. Greenlees & Robert McClelland

2008 Encouraging Participation in 401(k) Plans: Reconsidering the Employer Match
by Keenan Dworak-Fisher

2008 The Italian mortgage market: characteristics, evolution and regional differences. Evidence from a bank survey
by Paola Rossi

2008 Indebtedness and the Household Financial Health: An Examination of the Canadian Debt Service Ratio Distribution
by Umar Faruqui

2008 Market Structure and the Diffusion of E-Commerce: Evidence from the Retail Banking Industry
by Jason Allen & Robert Clark & Jean-François Houde

2008 A Survey and Risk Analysis of Selected Non-Bank Retail Payments Systems
by Nikil Chande

2008 Effect of Microfinance on Vulnerability, Poverty and Risk in Low Income Households
by Ranjula Bali Swain & Maria Floro

2008 Consumer Credit In Australia During The 20th Century
by Pierre van der Eng

2008 Saving in Austria – Too Little and Too Late?
by Martin Schürz

2008 Wealth Effects on Consumption in Austria
by Gerhard Fenz & Pirmin Fessler

2008 ¿Afectan las restricciones financieras al régimen de tenencia de vivienda?
by Sergio Mayordomo

2008 Owner-Occupied Housing and Demand for Risky Financial Assets: Some Finnish Evidence
by Tuukka Saarimaa

2008 Financial Market Access and Capital Income Inequality
by pellicer.miquel@gmail.com

2008 Hohe Risikoaversion privater Haushalte bei Geldanlagen
by Nataliya Barasinska & Dorothea Schäfer & Andreas Stephan

2008 The composition of household wealth between 1997 and 2003
by Girardot, P. & Marionnet, D.

2008 The Response of Household Saving to the Large Shock of German Reunification
by Nicola Fuchs-Schundeln

2008 Do Wealth Fluctuations Generate Time-Varying Risk Aversion? Micro-evidence on Individuals
by Markus K. Brunnermeier & Stefan Nagel

2008 Tax Expenditures for Owner-Occupied Housing: Deductions for Property Taxes and Mortgage Interest and the Exclusion of Imputed Rental Income
by James Poterba & Todd Sinai

2008 Who Chooses Annuities? An Experimental Investigation of the Role of Gender, Framing, and Defaults
by Julie R. Agnew & Lisa R. Anderson & Jeffrey R. Gerlach & Lisa R. Szykman

2008 Planning and Financial Literacy: How Do Women Fare?
by Annamaria Lusardi & Olivia S. Mitchell

2008 Saving whilst Gambling: An Empirical Analysis of UK Premium Bonds
by Peter Tufano

2008 Rates for Vehicle Loans: Race and Loan Source
by Kerwin Kofi Charles & Erik Hurst & Melvin Stephens

2008 Mortgages, Risk, and Homeownership among Low- and Moderate-Income Families
by Raphael W. Bostic & Kwan Ok Lee

2008 Why Don’t People Insure Late-Life Consumption? A Framing Explanation of the Under-Annuitization Puzzle
by Jeffrey R. Brown & Jeffrey R. Kling & Sendhil Mullainathan & Marian V. Wrobel

2008 Optimal Life-Cycle Investing with Flexible Labor Supply: A Welfare Analysis of Life-Cycle Funds
by Francisco J. Gomes & Laurence J. Kotlikoff & Luis M. Viceira

2008 Contingent Claims Analysis and Life-Cycle Finance
by Zvi Bodie & Doriana Ruffino & Jonathan Treussard

2007 Decision Making Clusters in Retirement Savings: Preliminary Findings
by Marilyn Clark-Murphy & Craig P. Speelman

2007 Mutluluk ve bireylerin finansal durumu üzerine bir pilot çalışma
by Aslıhan BOZCUK

2007 Erhöht die Riester-Förderung die Sparneigung von Geringverdienern?
by Corneo, Giacomo & Keese, Matthias & Schröder, Carsten

2007 Money in motion: Dynamic portfolio choice in retirement
by Horneff, Wolfram J. & Maurer, Raimond H. & Mitchell, Olivia S. & Stamos, Michael Z.

2007 Erhöht die Riester-Förderung die Sparneigung von Geringverdienern?
by Schröder, Carsten & Keese, Matthias & Corneo, Giacomo

2007 Bounds on repayment behavior: evidence for the consumer credit market
by Mario Padula & Charles Grant

2007 A Causal Framework for Credit Default Theory
by Wilson Sy

2007 Estimating heterogeneous costs of participation in the risky asset markets
by Graciela Sanromán

2007 US and European Household Debt and Credit Constraints
by Jonathan Crook & Stefan Hochguertel

2007 How Much do Real Estate Brokers Add? A Case Study
by B. Douglas Bernheim & Jonathan Meer

2007 Optimal Payment Cards Fees
by Assaf Eilat

2007 Vapaaehtoinen eläkesäästäminen tulevaisuudessa
by Lassila, Jukka & Määttänen, Niku & Valkonen, Tarmo

2007 Labour Force Participation and Household Debt
by Rochelle Belkar & Lynne Cockerell & Rebecca Edwards

2007 Constrained After College: Student Loans and Early Career Occupational Choices
by Jesse Rothstein & Cecilia Elena Rouse

2007 Do Households Benefit from Financial Deregulation and Innovation? The Case of the Mortgage Market
by Kristopher Gerardi & Harvey S. Rosen & Paul Willen

2007 Heterogeneity in Intra-Monthly Consumption Patterns, Self-Control, and Savings at Retirement
by Giovanni Mastrobuoni & Matthew Weinberg

2007 Household Need for Liquidity and the Credit Card Debt Puzzle
by Telyukova, Irina A.

2007 The Small Firms Hypothesis and the Percent of U.S. Society without Health Insurance: An Investigation Using Alternative Means Tests
by Cebula, Richard & Bopp, Anthony

2007 Optimal Portfolio Choice and Investment in Education
by Egil Matsen & Snorre Lindset

2007 Mental Accounting in Portfolio Choice: Evidence from a Flypaper Effect
by James J. Choi & David Laibson & Brigitte C. Madrian

2007 Mortgage Timing
by Ralph S.J. Koijen & Otto Van Hemert & Stijn Van Nieuwerburgh

2007 The Impact of Employer Matching on Savings Plan Participation under Automatic Enrollment
by John Beshears & James J. Choi & David Laibson & Brigitte C. Madrian

2007 The Welfare Cost of Asymmetric Information: Evidence from the U.K. Annuity Market
by Liran Einav & Amy Finkelstein & Paul Schrimpf

2007 Information Diffusion Effects in Individual Investors' Common Stock Purchases Covet Thy Neighbors' Investment Choices
by Zoran Ivkovich & Scott Weisbenner

2007 Individual Account Investment Options and Portfolio Choice: Behavioral Lessons from 401(k) Plans
by Jeffrey R. Brown & Nellie Liang & Scott Weisbenner

2007 Do Security Analysts Speak in Two Tongues?
by Ulrike Malmendier & Devin Shanthikumar

2007 Liquidity Constraints and Imperfect Information in Subprime Lending
by William Adams & Liran Einav & Jonathan Levin

2007 Do Households Benefit from Financial Deregulation and Innovation? The Case of the Mortgage Market
by Kristopher Gerardi & Harvey S. Rosen & Paul Willen

2007 Money in Motion: Dynamic Portfolio Choice in Retirement
by Wolfram J. Horneff & Raimond H. Maurer & Olivia S. Mitchell & Michael Z. Stamos

2007 Who Chooses Defined Contribution Plans?
by Jeffrey R. Brown & Scott J. Weisbenner

2007 Population ageing, household portfolios and financial asset returns: A survey of the literature
by Marianna Brunetti

2007 How do markets react to fundamental shocks? : An experimental analysis on underreaction and momentum
by Weber, Martin & Welfens, Frank

2007 Reference point formation over time : a weighting function approach
by Baucells, Manel & Weber, Martin & Welfens, Frank

2007 The repurchase behavior of individual investors : an experimental investigation
by Weber, Martin & Welfens, Frank

2007 An individual level analysis of the disposition effect : empirical and experimental evidence
by Weber, Martin & Welfens, Frank

2007 Savings motives and the effectiveness of tax incentives – an analysis based on the demand for life insurance in Germany
by Mathias Sommer

2007 Home and Mortgage Ownership of the Dutch Elderly: Explaining Cohort, Time and Age Effects
by Anna van der Schors & Rob J.M. Alessie & Mauro Mastrogiacomo

2007 A Synthetic, Stock-Flow Consistent Macroeconomic Model of Financialisation
by Till van Treeck

2007 Reconsidering the Investment-Profit Nexus in Finance-Led Economies: an ARDL-Based Approach
by Till van Treeck

2007 Effect of Microfinance on Vulnerability, Poverty and Risk in Low Income Households
by Bali Swain, Ranjula & Floro, Maria

2007 Wealth Concentration over the Path of Development: Sweden, 1873–2006
by Roine, Jesper & Waldenström, Daniel

2007 Ambiguity Aversion, the Equity Premium and the Welfare Costs of Business Cycles
by Alonso, Irasema & Prado, Jr., Jose Mauricio

2007 Wealth Concentration over the Path of Development: Sweden 1873–2005
by Roine, Jesper & Waldenström, Daniel

2007 Distributions of owner-occupiers' housing wealth, debt and interest expenditureratios as financial soundness indicators
by Lunde, Jens

2007 Default Option, Risk-Aversion and Household Borrowing Behaviour
by Ingrid Groessl & Ulrich Fritsche

2007 Defining and detecting predatory lending
by Morgan, Donald P.

2007 Does the Good Matter? Evidence on Moral Hazard and Adverse Selection from Consumer Credit Market
by Alena Bicakova

2007 International Remittances and Household Expenditures : The Philippine Case
by Aubrey D. Tabuga

2007 Home and mortgage ownership of the Dutch elderly; explaining cohort, time and age effects
by Anna van der Schors & Rob Alessie & Mauro Mastrogiacomo

2007 El crédito no bancario: una alternativa para la bancarización y la reducción de la pobreza. El caso del "Crédito Fácil para Todos" de CODENSA
by María Angélica Arbeláez Restrepo & Fabián García A. & Carlos Sandoval M.

2007 Household loan loss risk in Finland : estimations and simulations with micro data
by Herrala, Risto & Kauko, Karlo

2007 Subjective Discount Rates Among Israeli Arabs And Israeli Jews
by Uri Ben-Zion & Ahmad Mahajna & Ravid Bogaire & TAL SHAVIT

2007 The effects of the introduction of tax incentives on retirement savings
by Juan Ayuso & Juan F. Jimeno & Ernesto Villanueva

2007 Life Cycle Portfolio Choice: A Swiss Perspective
by Florian Zainhofer

2007 The System Of House Financing In Romania
by Gina Cristina BANICA & Cornelia PARLOG

2007 Financial Capability of Austrian Households
by Pirmin Fessler & Martin Schürz & Karin Wagner & Beat Weber

2007 Robust Economic Activity in the Euro Area
by Andreas Breitenfellner & Johannes Elsinger & Klaus Vondra

2007 Characteristics of Household Debt in Austria
by Christian Beer & Martin Schürz

2007 The determinants of savings in the third pension pillar
by P. Stinglhamber & M.-D. Zachary & G. Wuyts & Ch. Valenduc

2007 Does the Good Matter? Evidence on Moral Hazard and Adverse Selection from Consumer Credit Market
by Alena Bicakova

2007 Recent episodes of credit card distress in Asia
by Tae Soo Kang & Guonan Ma

2007 La destination finale de l’épargne des ménages
by RINCON, A.

2007 La composition du patrimoine des ménages entre 1997 et 2003
by GIRARDOT, P. & MARIONNET, D.

2006 The Dynamics of Chapter 13 Bankruptcy
by Hulya Eraslan & Wenli Li & Pierre-Daniel Sarte

2006 Taschengeld und Sparverhalten bei Grundschulkindern: eine empirische Untersuchung in Nordwestdeutschland
by Dubbert, Nicole & Hufnagel, Rainer

2006 Mapping the Minds of Retirement Planners
by Douglas A. Hershey & Kène Henkens & Hendrik P. van Dalen

2006 Access to credit by the poor in South Africa: Evidence from Household Survey Data 1995 and 2000
by Francis Nathan Okurut

2006 Correlated Risks: A Conflict of Interest Between Insurers and Consumers and Its Resolution
by Patrick Eugster & Peter Zweifel

2006 Informal Credit Markets, Judicial Costs and Consumer Credit: Evidence from Firm Level Data
by Charles Grant & Mario Padula

2006 Aggregate Mortality Risk and the Insurance Value of Annuities
by Alho, Juha & Määttänen, Niku

2006 Stock market optimism and participation cost: a mean-variance estimation
by Andrea Tiseno & Monica Paiella

2006 An Empirical Analysis of Identity Theft Determinants in the U.S
by Cebula, Richard & Koch, James & Unemori, Mary

2006 Optimal asset allocation based on utility maximization in the presence of market frictions
by Alessandro Bucciol & Raffaele Miniaci

2006 The Danish Housing Market: Less Subsidy and more Flexibility
by Espen Erlandsen & Jens Lundsgaard & Felix Hüfner

2006 Simplification and Saving
by John Beshears & James J. Choi & David Laibson & Brigitte C. Madrian

2006 Determinants and Consequences of Bargaining Power in Households
by Leora Friedberg & Anthony Webb

2006 Collateralized Borrowing and Life-Cycle Portfolio Choice
by Paul Willen & Felix Kubler

2006 Why Does the Law of One Price Fail? An Experiment on Index Mutual Funds
by James J. Choi & David Laibson & Brigitte C. Madrian

2006 Crédits aux particuliers - Analyse des données de la Centrale des Crédits aux Particuliers
by Helga De Doncker

2006 Is online trading gambling with peanuts?
by Anderson, Anders

2006 The owner-occupiers’ capital structure during a house price boom
by Lunde, Jens

2006 Children and Household Savings in the Philippines
by Aniceto C. Orbeta Jr.

2006 Household Credit in the New Europe: Lending Boom or Sustainable Growth?
by Coricelli, Fabrizio & Mucci, Fabio & Revoltella, Debora

2006 Housing Wealth and Household Indebtedness: Is there a Household 'Financial Accelerator'?
by Richard Disney & Sarah Bridges & John Gathergood

2006 Miten suomalaiset kuluttajat odottavat maksutapojen kehittyvän ja muuttuvan : "Suomalaiset maksutavat 2010"-tutkimushankkeeseen liittyvä kyselytutkimus
by Dahlberg, Tomi & Öörni, Anssi

2006 Finnish consumers' expectations on developments and changes in payment habits : survey in connection with the research project "Finnish payment habits 2010"
by Dahlberg, Tomi & Öörni, Anssi

2006 Disagreement in Partners’ Reports of Financial Difficulty
by Robert Breunig & Deborah Cobb-Clark & Xiaodong Gong & Danielle Venn

2006 Wealth Wisdom for Everyone:An Easy-to-Use Guide to Personal Financial Planning and Wealth Creation
by Mark Daniell & Karin Sixl-Daniell

2006 Austrian Households’ Financial Wealth: An Analysis Based on Microeconomic Data
by Christian Beer & Peter Mooslechner & Martin Schürz & Karin Wagner

2006 Credits to individuals – Analysis of the data recorded by the Central Individual Credit Register
by H. De Doncker

2005 Rational Exuberance at the Mall: Addiction to Carrying a Credit Card Balance
by Kaili Shen & David E. Giles

2005 Long term debt with hidden borrowing
by Heski Bar-Isaac & Vicente Cuñat

2005 Benefit-Cost Analysis of Reforming the Turkish Social Insurance Institution for the Self-Employed (Bağ-Kur)
by Gumus, Erdal

2005 Transparency between banks and their customers. information needs and public intervention
by Caratelli, Massimo

2005 What's Psychology Worth? A Field Experiment in the Consumer Credit Market
by Marianne Bertrand & Dean Karlin & Sendhil Mullainathan & Eldar Shafir & Jonathan Zinman

2005 A Simple Test of Adverse Events and Strategic Timing Theories of Consumer Bankruptcy
by Li Gan & Tarun Sabarwal

2005 How to sample behavior and emotions of traders : [a psychological approach and an empirical example]
by Andersson, Patric & Tour, Richard

2005 Household Debt and Financial Assets: Evidence from Great Britain, Germany and the United States
by Sarah Brown & Karl Taylor

2005 Disagreement in Partners' Reports of Financial Difficulty
by Robert Breunig & Deborah A. Cobb-Clark & Xiaodong Gong & Daniella Venn

2005 Disagreement in Partners' Reports of Financial Difficulty
by Breunig, Robert & Cobb-Clark, Deborah A. & Gong, Xiaodong & Venn, Danielle

2005 Kariire seiyaku to oya karano iten (in Japanese)
by Kazuyasu Sakamoto

2005 Long-term debt and hidden borrowing
by Heski Bar-Isaac & Alejandro Cuñat

2005 Tying Odysseus to the Mast: Evidence from a Commitment Savings Product in the Philippines
by Nava Ashraf & Dean S. Karlan & Wesley Yin

2005 Stock market optimism and participation cost: a mean-variance estimation
by Monica Paiella & Andrea Tiseno

2005 Competition in markets for life insurance
by Michiel Bijlsma & Machiel van Dijk & Marc Pomp & Cora Zonderland

2005 Portfolio Choice with Loss Aversion, Asymmetric Risk-Taking Behavior and Segregation of Riskless Opportunities
by Martin Vlcek

2005 The impact of unsecured debt on financial distress among British households
by Ana del Río & Garry Young

2005 The determinants of unsecured borrowing: evidence from the British household panel survey
by Ana del Río & Garry Young

2005 Disagreement in Partners’ Reports of Financial Difficulty
by Robert Breunig & Deborah A. Cobb-Clark & Xiaodong Gong & Daniella Venn

2005 Is the 'Cost of Enough Food' Lower in Rural Areas?
by Nord, Mark & Leibtag, Ephraim

2005 Bank Competition and Consumer Search over Credit Card Interest Rates
by Taehyung Kim & Lucia F. Dunn & Gene E. Mumy

2005 More Households in the Stock Market Through Privatizations? Evidence from Italy
by Giovanni Ferri & Cecilia Frale & Ottavio Ricchi

2005 Indebtedness of Greek households: evidence from a survey
by Theodore M. Mitrakos & Georgios Th Simigiannis & Panagiota G. Tzamourani

2005 Are Empowerment and Education Enough? Underdiversification in 401(k) Plans
by James J. Choi & David Laibson & Brigitte C. Madrian

2004 Pricing Psychology: Evidence from a Randomized Field Experiment in a Consumer Credit Market
by Marianne Bertrand & Dean Karlan

2004 Use of credit and arrears on debt among low-income families in the United Kingdom
by Sarah Bridges & Richard Disney

2004 Retail Banking: Status quo und Entwicklungsperspektiven
by Oehler, Andreas

2004 Inflation Bias after the Euro: Evidence from the UK and Italy
by Giancarlo Marini & Alessandro Piergallini & Pasquale Scaramozzino

2004 Evidence on the Effect of US Consumer Bankruptcy Exemptions
by Charles Grant

2004 Are Investors Naive About Incentives?
by Ulrike Malmendier & Devin Shanthikumar

2004 All Guts, No Glory: Trading and Diversification among Online Investors
by Anderson, Anders E.S.

2004 Entreprenörskap och egenfinansiering — om den privata förmögenhetsbildningens teoretiska och praktiska betydelse för entreprenörskapets omfattning
by Johnsson, Richard

2004 Do Privatizations Boost Household Shareholding? Evidence from Italy
by Ottavio Ricchi & Adolfo Di Carluccio & Cecilia Frale

2004 Developing family development accounts in Taipei: policy innovation from income to assets
by Li-Chen Cheng

2004 Stock market optimism and participation cost: a mean-variance estimation
by Monica Paiella & Andrea Tiseno

2004 Developing Family Development Accounts in Taipei: Policy innovation from income to assets
by Li-Chen Cheng

2004 Does Economic Vulnerability Depend on Place of Residence? Asset Poverty across Metropolitan and Nonmetropolitan Areas
by Fisher, Monica & Weber, Bruce A.

2004 Modelos de regresión espacio-temporales en la estimación de la renta municipal: el caso de la Región de Murcia
by CHASCO, C. & LÓPEZ, F.A.

2003 Roscas as Financial Agreements to Cope with Social Pressure
by Stefan Ambec & Nicolas Treich

2003 Annuities and Individual Welfare
by Thomas Davidoff & Jeffrey R. Brown & Peter A. Diamond

2003 Demographics in demand systems
by Laura Blow

2003 Roscas as financial agreements to cope with social pressure
by Ambec, S. & Treich, N.

2003 Evidence on the Effect of US Consumer Bankruptcy Exemptions
by Charles GRANT

2003 Credit card debt and default over the life-cycle
by Paula Lopes

2003 Household Portfolios Efficiency in the Presence of Restrictions on Investment Opportunities
by Alessandro Bucciol

2003 Le prospettive dell'economia mondiale
by Paolo Sylos Labini

2003 Prospects for the world economy
by Paolo Sylos Labini

2003 Prospects for the world economy
by Paolo Sylos Labini

2003 Precautionary Savings and Income Uncertainty: Evidence from Japanese Micro Data
by Murata, Keiko

2003 Precautionary Motives versus Waiting Options: Evidence from Aggregate Household Saving in Japan
by Saito, Makoto & Shiratsuka, Shigenori

2002 Luxury Goods and the Equity Premium
by Yacine Ait-Sahalia & Jonathan A. Parker & Motohiro Yogo

2002 The symmetry of the wage-change distribution: Survey and contract data
by Thanasis Stengos & Louis N. Christofides

2002 Transaktionskostentheoretische Betrachtung des Anlageverhaltens im Online-Handel und deren empirische Evidenz
by Theodoro D. Cocca

2001 The Right Way to Hire Financial Help, 2nd Edition: A Complete Guide to Choosing and Managing Brokers, Financial Planners, Insurance Agents, Lawyers, Tax Preparers, Bankers, and Real Estate Agents
by Charles A. Jaffe

2001 Essays on Saving, Bequests, Altruism, and Life-Cycle Planning
by

2001 Pension systems in 15 countries compared: the value of entitlements
by Whitehouse, Edward

2001 El manejo social del riesgo y de las vulnerabilidades de los hogares en Colombia
by Mary Lisbeth González G.

2001 The household balance sheet in Australia
by Australian Treasury

2001 ¿Determina el salario mínimo seguir o no estudiando en España?
by CAPARRÓS RUIZ, Antonio & NAVARRO GÓMEZ, Mª Lucía

2000 Administrative charges for funded pensions: An international comparison and assessment
by Whitehouse, Edward

2000 Paying for pensions: An international comparison of administrative charges in funded retirement-income systems
by Whitehouse, Edward

2000 Pension reform, financial literacy and public information: a case study of the United Kingdom
by Whitehouse, Edward

1999 Housing, land prices, and the link between growth and saving
by Angus Deaton & Guy Laroque

1999 The Adequacy of Household Saving
by Engen, Eric & Gale, William & Uccello, Cori

1999 The tax treatment of funded pensions
by Whitehouse, Edward

1998 Saving and growth: another look at the cohort evidence
by Angus Deaton & Christina Paxson

1998 Bütçe açığının cari işlemler üzerindeki etkileri: Teori ve uygulama
by Bilgili, Faik & Bilgili, Emine

1998 The Role of Choice in the Transition to a Funded Pension System
by Palacios, Robert & Whitehouse, Edward

1998 Pension Reform in Britain
by Whitehouse, Edward

1998 Wer bezahlt die Steuern? Steuerbelastung und Einkommenssituation von Freien und anderen Berufen
by Joachim Merz & Thorsten Quiel & Kshama Venkatarama

1997 Public Policy Toward Pensions
by

1985 Hours-Wage Tradeoffs and Job Mobility
by Joseph G. Altonji & Christina H. Paxson

1981 Determinants of Student Choice of Undergraduate Major Field
by Cebula, Richard & Lopes, Jerry

1979 Relative risk aversion: increasing or decreasing?
by Graves, Philip E.

1971 Investment in Human Capital and the Appropriate Discount Rate
by Renas, Stephen & Cebula, Richard

Myopic Loss Aversion Revisited: The Effect of Probability Distortions in Choice Under Risk
by Pavlo Blavatskyy & Ganna Pogrebna

Housing Debt and Consumption
by Viola Angelini & Peter Simmons

Housing Debt, Employment Risk and Consumption
by Viola Angelini & Peter Simmons

Microeconometric analysis of household saving in Estonia: income, wealth, financial exposure
by Dmitry Kulikov & Karsten Staehr

Concavity of the Consumption Function with Recursive Preferences
by Semyon MALAMUD

The Overlooked Option for Boosting Retirement Savings: Higher Limits for RRSPs
by Alexandre Laurin

Saving and Wealth Inequality
by Mariacristina De Nardi & Giulio Fella

Equity Extraction and Mortgage Default
by Steven Laufer

Inferior Products and Profitable Deception
by Paul Heidhues & Botond Kőszegi & Takeshi Murooka

Model Of Financial Freedom Achievement Based On Applied Philosophy And Lifestyle A Search For An Icon Of Faith In Practical Life
by Andreas Yumarma

The Determination Of The Variables Influencing The Saving Choices In Turkey By Using Canonical Correlation Analysis
by Bahattin Hamarat & Ercan Özen

Model Of Financial Freedom Achievement Based On Applied Philosophy And Lifestyle A Search For An Icon Of Faith In Practical Life Model
by Andreas Yumarma