Results 141 to 150 of about 18,977 (305)

Household loan loss risk in Finland – estimations and simulations with micro data [PDF]

This discussion paper presents a microsimulation model of household distress. We use logit analysis to estimate the extent to which a household’s risk of being financially distressed depends on net income after tax and loan servicing costs. The impact of
Kauko, Karlo, Herrala, Risto
core  

Making Value‐Chain Risks Visible: Extending ENCORE for Systemic Insights

Business Strategy and the Environment, EarlyView.
ABSTRACT Businesses in all sectors, including downstream segments, depend on biodiversity and the ecosystem services it sustains, yet firms also exert pressures that accelerate biodiversity loss. The latter generates material risks for both companies and their financial stakeholders.
Hjalmar Funke, Emmy Wassénius, Beatrice Crona, Christophe Christiaen   +3 more
wiley   +1 more source

Debt Portfolios [PDF]

We provide a model with endogenous portfolios of secured and unsecured household debt. Secured debt is collateralized by durables whereas unsecured debt can be discharged in bankruptcy procedures.
Thomas Hintermaier, Winfried Koeniger
core  

The Role of Objective Financial Situation and Psychological Outlook in the Relationship Between Personal Life Shocks and Financial Well‐Being

Journal of Consumer Behaviour, Volume 24, Issue 2, Page 632-654, March 2025.
ABSTRACT Existing research examines the relationship between personal life shocks and financial well‐being primarily through the lens of objective markers of the individual's financial situation (e.g., liquidity). Little attention has been paid to the relative roles of these objective markers and more intuitive or affect‐based factors in how an ...
Jordan Bell, Jesse Jurgenson, Dee Warmath   +2 more
wiley   +1 more source

Finance-dominated capitalism, re-distribution, household debt and financial fragility in a Kaleckian distribution and growth model [PDF]

In a Kaleckian distribution and growth model with workers’ debt we examine the short- and long-run effects of three stylized facts of ‘finance-dominated capitalism’: a fall in animal spirits of the firm sector with respect to real investment in capital ...
Hein, Eckhard
core   +1 more source

Does ESG Performance Reduce Default Risk in Insurance Firms? Evidence From Life and Non‐Life Sectors

Corporate Social Responsibility and Environmental Management, EarlyView.
ABSTRACT This study examines whether environmental, social, and governance performance is associated with lower default risk in European insurance firms, and whether the strength of this association differs between life and non‐life business models.
S. Miani, M. Mantovani, E. Palmieri
wiley   +1 more source

Debt relief for households in developing economies

Oxford Review of Economic Policy
Abstract Households in developing economies have greater access to formal credit today than at any point in history, owing to the global expansion of microfinance and recent innovations in consumer finance, such as digital lending. While this has improved the ability to smooth consumption and invest in productive activities, it has also ...
Indarte, Sasha, Kanz, Martin
openaire   +2 more sources

Autonomous Leadership: How Board Independence Shapes Machine Learning Based Corporate Culture in Thailand

Corporate Social Responsibility and Environmental Management, EarlyView.
ABSTRACT Corporate culture is a critical driver of corporate social responsibility, shaping how firms internalize sustainability, social and environmental concerns, yet its governance antecedents are less understood. Motivated by the need to understand how governance structures affect organizational values and behavior, we explore the relationship ...
Sirimon Treepongkaruna, Stefano Starita
wiley   +1 more source

Household sector borrowing in the euro area - a micro data perspective [PDF]

This paper uses micro data from the European Union Statistics on Income and Living Conditions (EU-SILC) to generate structural information for the euro area on the incidence of household indebtedness and the debt service burden.
Lojschová, Adriana, Westermann, Thomas, Adalid, Ramón   +2 more
core  

An empirical study on the impact of household debt level on consumption behavior: Based on the mechanism of the housing provident fund system and risk preference [PDF]

Based on 2015, 2017, and 2019 China Household Finance Survey (CHFS) data, this paper analyzes the relationship between the housing provident fund system, household debt, and consumer behavior.
Zhao, G, Yuan, Y, Zhang, Y
core   +2 more sources