Results 171 to 180 of about 102,295 (304)

A COMPARISON OF OPTION-THEORETIC AND CHOICE-THEORETIC APPROACHES TO EVALUATING ALTERNATIVE FINANCIAL TECHNOLOGIES FOR MORTGAGE LOANS TO LOW-INCOME HOUSEHOLDS [PDF]

This paper evaluates the efficacy of two alternative lending technologies - the traditional banking technology and a cash flow based counseling program - by using competing risks (option-based) and choice theoretic approaches. We find evidence to support
Gonzalez-Vega, Claudio, Hartarska, Valentina M.   +1 more
core   +1 more source

Nonresponse Bias in Household Inflation Expectations Surveys

Journal of Money, Credit and Banking, EarlyView.
Abstract This paper uses microdata from the Reserve Bank of New Zealand's Household Inflation Expectations survey to evaluate the effects of nonresponses to the inflation expectations question in the survey. We find nonresponses lead to substantial underrepresentation of some demographic groups in the survey: young, female, low‐income, and minority ...
MELTEM CHADWICK, RENNAE CHERRY, JAQUESON K. GALIMBERTI   +2 more
wiley   +1 more source

Macroprudential Policy in the Euro Area

Journal of Money, Credit and Banking, EarlyView.
Abstract This paper examines the development and impact of macroprudential policies in the euro area. We construct a novel index that captures the stance of macroprudential policy, and we highlight its main stylized facts since the inception of the euro in 1999. We combine a narrative approach and a structural VAR method to show that both unanticipated
ÁLVARO FERNÁNDEZ‐GALLARDO, IVÁN PAYÁ   +1 more
wiley   +1 more source

Does Deposit Insurance Promote Deposit Stability? Evidence from the Postal Savings System during the 1920s

Journal of Money, Credit and Banking, EarlyView.
Abstract We evaluate whether deposit insurance (DI) promotes liquidity by influencing depositor behavior. We use the postal savings (PS) system and state‐adopted DI schemes during the 1920s to examine the effect of bank suspensions on PS deposit growth in pairs of border cities (DI versus non‐DI).
Lee K. Davison, Carlos D. Ramirez
wiley   +1 more source

Federal Home Loan Bank advances and commercial bank portfolio composition [PDF]

This paper considers the role of Federal Home Loan Bank (FHLB) advances in stabilizing their commercial bank members' residential mortgage lending activities.
Diana Hancock, W. Scott Frame, Wayne Passmore   +2 more
core  

Marginal Propensity to Consume and Personal Characteristics: Evidence from Bank Transaction Data and Survey

Journal of Money, Credit and Banking, EarlyView.
Abstract The marginal propensity to consume (MPC) is heterogeneous and depends on liquidity, while liquidity is affected by both temporary circumstances and persistent characteristics. Using bank account transaction data and a survey of its account holders, this study aims to distinguish the sources of MPC heterogeneity.
KOZO UEDA
wiley   +1 more source

Does financial knowledge affect borrower discouragement among various social categories? Evidence from the United States

Journal of Consumer Affairs, EarlyView.
Abstract A deficiency in financial knowledge often precipitates costly financial choices, affecting consumers' behavior and decision‐making. We delve into how financial acumen influences borrower discouragement by utilizing data from the U.S. Federal Reserve's Survey of Household Economics and Decision‐Making (2017–2022). Discouraged borrower describes
Anoosheh Rostamkalaei, Allan Riding, George Saridakis   +2 more
wiley   +1 more source

The impact of census-tract level mortgage discrimination on cognitive function: accounting for measurement instability in small-area data via joint modeling. [PDF]

Am J Epidemiol
Hu Y, Elliott MR, Meier HCS, Chen L, Walters ME, Sol K, Zahodne LB.   +6 more
europepmc   +1 more source

How Do SMEs Respond to Deglobalization? Insights from Italian SMEs in the Interwar Period (1936–1943)

Journal of Management Studies, EarlyView.
Abstract This study investigates how small and medium‐sized enterprises (SMEs) respond to deglobalization and economic nationalism, using historical evidence from fascist Italy, a period of autarky and restricted international trade. While prior research has focused primarily on larger firms, especially multinational enterprises (MNEs), the strategic ...
Valeria Giacomin, Francesco Romagnoli
wiley   +1 more source

Contemporary Area-Level Mortgage Loan Denial Risk and Health-Related Quality of Life Among Cancer Survivors. [PDF]

Cancer Med
Brown JA, Ellington TD, Moubadder L, Bliss M, Kumar AD, Martin CL, Farnan L, Gerstel A, McCullough LE, Nichols HB.   +9 more
europepmc   +1 more source