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Household Over-Indebtedness in Russia [PDF]
, 2019 In the last three years, household debt has risen by a third as disposable income declined. Declining interest rates, ease of access to credit for consumers and poorly regulated microfinance lending ...
World Bank
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Microfinance, over-indebtedness and climate adaptation: new evidence from rural Cambodia [PDF]
, 2022 Microfinance loans are leading to an over-indebtedness emergency that undermines borrowers’ long-term coping and adaptive capacity in a changing ...
Brickell, Katherine +13 more
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Over-Indebtedness Protection and Risk Scale: Construction and Validity Evidence [PDF]
Psicologia: Teoria e PesquisaThis study aims to present evidence for the validity of the Over-indebtedness Protection and Risk Scale (OPRIS). The instrument was constructed to assess attitudinal aspects (behavioral, cognitive, and affective) that prevent or encourage over ...
Ana Cláudia Almeida Machado +2 more
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Self-employment and over-indebtedness in Poland: Modelling income and debt repayments distribution
Entrepreneurial Business and Economics Review, 2021 Objective: The objective of the article is to assess financial situation and debt repayments in households of self-employed individuals and compare them to these of other types of households. The article aims to identify the determinants of over-
Agnieszka Wałęga, Grzegorz Wałęga
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The Regulation of Over-Indebtedness of Consumers in Europe [PDF]
Journal of Consumer Policy, 2012 The economic crisis has fueled the debate on regulated state insolvencies. While debt relief is being considered for some states, citizens in some cases live their whole lives in debt. In some countries like Bulgaria, Italy, Croatia, Lithuania, and Poland, there are no consumer bankruptcy procedures which provide for an exemption from residual debt. In
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Household Indebtedness in the European Union Countries: Going Beyond the Mainstream Interpretation
PSL Quarterly Review, 2023 This paper develops a panel data econometric analysis in order to determine the main macroeconomic causes of household indebtedness in the European Union countries from 1995 to 2019.
Ricardo Barradas, Inês Tomás
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Indebtedness and its Consequences in the Brazilian Capitals from 2010 to 2017
Revista de Administração IMED, 2019 The objective of this study is to verify the impact of indebtedness on the levels of delinquency and over-indebtedness of Brazilian families from 2010 to 2017, through a sample researched in the populations of the Brazilian capitals and the Federal ...
Vanessa Piovesan Rossato +2 more
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Debtors Protection and Enforcement Efficiency According to Finnish Law [PDF]
Access to Justice in Eastern Europe, 2020 Human rights/ human considerations have started to carry more weight nowadays, especially in enforcement matters. Both rehabilitative and social aims in legal matters have been strengthened during recent decades.
Laura Ervo
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Unemployment Risk and Over-Indebtedness: A Micro-Econometric Perspective [PDF]
SSRN Electronic Journal, 2015 We study how unemployment effects the over-indebtedness of households using the new European Household Finance and Consumption Survey (HFCS). First, we assess the role of different labor market statuses (i.e. employed, unemployed, disabled, retired, etc.) and other household characteristics (i.e.
Rycx, François +2 more
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A multivariate study of over‐indebtedness' causes and consequences [PDF]
International Journal of Consumer Studies, 2016 AbstractThis paper proposes a comprehensive explanatory model to explain both causes and consequences of over‐indebtedness. It presents as causes some borrower aspects, such as propensity to indebtedness and low financial literacy. Other causes are borrower circumstances: adverse external shocks, borrower internal problems and financial institutions ...
Gutiérrez-Nieto, Begoña +2 more
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