Search Results - subject:"Bankruptcy"

Debtor protection and health insurance : evidence from personal bankruptcy reform

Barbieri, Paolo Nicola; Bottazzi, Laura; Di Giacomo, … - 2026

We investigate how the use of bankruptcy as an implicit health insurance varies across households, focusing on … the 2005 bankruptcy reform, we find that the reform modestly increased health insurance coverage among middle … primarily affected White households, suggesting racial disparities in bankruptcy use. Treated households also showed increased …

Persistent link: https://www.econbiz.de/10015586920

Personal bankruptcy reform and credit markets: cross-country evidence on filing behavior and credit rationing

Berzani, Yehonatan; Stein, Roy; Walter, György - 2026

Persistent link: https://www.econbiz.de/10016074499

The effects of wildfire and distant air pollution on household financial well-being

An, Xudong; Gabriel, Stuart A.; Tzur-Ilan, Nitzan - 2026

Persistent link: https://www.econbiz.de/10015609890

Loan defaults and credit risk in microfinance

Andam Boiquaye, Perpetual; Aidoo, Bernadette; Gyamerah, … - 2026

This study investigates the probability of consumer default across both secured and unsecured assets, with a particular focus on borrower behavior and the role of moral hazard in shaping individual credit risk. It examines how different borrower decisions, such as investing in secured and...

Persistent link: https://www.econbiz.de/10015639069

When loss strikes twice : severe health shocks and financial well-being

Majlesi, Kaveh; Molin, Elin; Roth, Paula - 2026

We study how fatal and nonfatal health shocks affect households' ability to meet their financial obligations. We find that fatal shocks substantially increase the likelihood of default and that housing wealth plays a key role as a self-insurance mechanism. Surviving spouses who experience the...

Persistent link: https://www.econbiz.de/10015656131

Show one more version 1

When loss strikes twice : severe health shocks and financial well-being

Majlesi, Kaveh; Molin, Elin; Roth, Paula - 2026

Book / Working Paper

What drives mortgage default in Europe? : the role of liquidity, equity and debt enforcement

Lindner, Peter; Riedl, Aleksandra - 2026

Using harmonized household data from 18 European countries, this paper studies what triggers mortgage default. We distinguish between liquidity stress, negative equity, and the double trigger, where both occur simultaneously. We find that all three increase default risk, but the double trigger...

Persistent link: https://www.econbiz.de/10015650650