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Households over-indebtedness in the economic literature

Author

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  • Luisa ANDERLONI

    ()

  • Daniela VANDONE

    ()

Abstract

Over-indebtedness is a multi-faced phenomenon with social, economic, legal and political aspects. In our study we present an analysis of the literature on over-indebtedness. In particular, we look at all surveys which refer to over-indebtedness or financial difficulties of households with the aim to develop our knowledge about the nature and causes of over-indebtedness and to provide an answer to the research question: “who is likely to be over-indebted and what are the main variables that explain this risk”. Most of these studies are related to EU countries and have been published in the last decade.

Suggested Citation

  • Luisa ANDERLONI & Daniela VANDONE, 2008. "Households over-indebtedness in the economic literature," Departmental Working Papers 2008-46, Department of Economics, Management and Quantitative Methods at Università degli Studi di Milano.
  • Handle: RePEc:mil:wpdepa:2008-46
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    File URL: http://wp.demm.unimi.it/files/wp/2008/DEMM-2008_046wp.pdf
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    References listed on IDEAS

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    1. Luisa Farinha, 2004. "Households’ debt Burden: An Analysis Based on Microeconomic Data," Economic Bulletin and Financial Stability Report Articles, Banco de Portugal, Economics and Research Department.
    2. Scott Fay & Erik Hurst & Michelle J. White, 2002. "The Household Bankruptcy Decision," American Economic Review, American Economic Association, vol. 92(3), pages 706-718, June.
    3. Thomas B. Astebro & G. Chen, 2001. "The Economic Value of Reject Inference in Credit Scoring," Post-Print hal-00654597, HAL.
    4. Rinaldi, Laura & Sanchis-Arellano, Alicia, 2006. "Household debt sustainability: what explains household non-performing loans? An empirical analysis," Working Paper Series 570, European Central Bank.
    5. Ana del Río & Garry Young, 2005. "The impact of unsecured debt on financial distress among British households," Working Papers 0512, Banco de España;Working Papers Homepage.
    6. Sarah Bridges & Richard Disney, 2004. "Use of credit and arrears on debt among low-income families in the United Kingdom," Fiscal Studies, Institute for Fiscal Studies, vol. 25(1), pages 1-25, March.
    7. Charles Grant & Mario Padula, 2006. "Informal Credit Markets, Judicial Costs and Consumer Credit: Evidence from Firm Level Data," CSEF Working Papers 155, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy.
    8. Adele Atkinson & Stephen McKay & Sharon Collard & Elaine Kempson, 2007. "Levels of Financial Capability in the UK," Public Money & Management, Chartered Institute of Public Finance and Accountancy, vol. 27(1), pages 29-36, February.
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    Citations

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    Cited by:

    1. Luisa ANDERLONI & Daniela VANDONE, 2011. "Vulnerabilità e benessere delle famiglie italiane," Departmental Working Papers 2011-40, Department of Economics, Management and Quantitative Methods at Università degli Studi di Milano.
    2. Khandker, Shahidur R. & Faruqee, Rashid & Samad, Hussain A., 2013. "Are microcredit borrowers in Bangladesh over-indebted ?," Policy Research Working Paper Series 6574, The World Bank.

    More about this item

    Keywords

    Household indebtedness; over-indebtedness; financial exclusion;

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • G20 - Financial Economics - - Financial Institutions and Services - - - General

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