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Effect of perceptions and behaviour on access to and use of financial service: Evidence from South Africa

Annim, Samuel Kobina; Arun, Thankom; Kostov, Philip - 2012

This study investigates the effect of financial perception and behaviour on; (a) general accounts and services, (b … three estimations support the hypothesis that financial perception has a greater effect on the decision to access and use … behaviour is greater than financial perception when making decisions on the take-up and use of investment financial services. It …

Persistent link: https://www.econbiz.de/10010291318

Demand side analysis of microlending markets in Germany

Kritikos, Alexander S.; Kneiding, Christoph; … - 2009

In developing and transition economies, microlending has become an effective instrument for providing micro businesses with the necessary financial resources to launch operations. In the industrialized countries, with their highly developed banking systems, however, there has been ongoing debate...

Persistent link: https://www.econbiz.de/10010274539

Demand Side Analysis of Microlending Markets in Germany

Kritikos, Alexander S.; Kneiding, Christoph; … - Institute for the Study of Labor (IZA) - 2009

Persistent link: https://www.econbiz.de/10005011900

Time, money, peers, and parents : some data and theories on teenage behavior

Kooreman, Peter - 2003

In the first part of the paper I analyze a data set on teenage behavior. The data is a sample of high school students in the Netherlands, and contains information on teenage time use, income, expenditures, and subjective measures of well-being and self-esteem. As all students in a sampled class...

Persistent link: https://www.econbiz.de/10010261636

Riches to Rags Every Month? : The Fall in Consumption Expenditures Between Paydays

Huffman, David; Barenstein, Matias - 2004

This paper finds declining consumption expenditure between paydays, for a typical household in the working population of the UK. The magnitude is inconsistent with exponential time preference, but compatible with quasi-hyperbolic discounting. However, the hyperbolic model predicts that credit...

Persistent link: https://www.econbiz.de/10010262166

Labor and Financial Market Interactions: The Case of Labor Income Risk and Car Insurance in the UK 1969-95

Koeniger, Winfried - 2001

Microeconomic theory predicts that under certain regularity conditions higher idiosyncratic risk increases the propensity to insure against independent marketable risks. We apply these predictions to the specific case of labor income risk and car insurance using data from the UK. The main...

Persistent link: https://www.econbiz.de/10010262448

Child Expenditure: The Role of Working Mothers, Lone Parents, Sibling Composition and Household Provision

Farrell, Lisa; Shields, Michael A. - 2001

This paper uses detailed diary information from the British Family Expenditure Survey (FES) to investigate the expenditure patterns of school-age children. We estimate a Quadratic Almost Ideal Demand System, and find that, whilst most commodities are normal goods, sweets and toys are luxury...

Persistent link: https://www.econbiz.de/10010262592

The Response of Consumption in Russian Households to Economic Shocks

Stillman, Steven - 2001

This paper examines the extent to which consumption in Russian households responds to exogenous income shocks. During the time period studied in this paper (1994 – 1998), Russia experienced two major economic crises. Both featured extreme movements in the real ruble-dollar exchange rate. The...

Persistent link: https://www.econbiz.de/10010262612

The effects of lottery prizes on winners and their neighbors: Evidence from the Dutch Postcode Lottery

Kuhn, Peter; Kooreman, Peter; Soetevent, Adriaan R.; … - 2010

Each week, the Dutch Postcode Lottery (PCL) randomly selects a postal code, and distributes cash and a new BMW to lottery participants in that code. We study the effects of these shocks on lottery winners and their neighbors. Consistent with the life-cycle hypothesis, the effects on winners'...

Persistent link: https://www.econbiz.de/10010269872

Oportunidades: program effect on consumption, low participation, and methodological issues

Angelucci, Manuela; Attanasio, Orazio P. - 2009

In this paper we estimate the effect of the Mexican conditional cash transfer program, Oportunidades, on consumption, and we explore some issues related to participation to the program and to the estimation of treatment effects. We discuss the comparability of treatment and control areas,...

Persistent link: https://www.econbiz.de/10010270630