1,721,176 research outputs found
Replication Data for: "Access to Home Equity and Consumption: Evidence from a Policy Experiment"
No full textAgarwal, Sumit, and Qian, Wenlan, (2017) "Access to Home Equity and Consumption: Evidence from a Policy Experiment." Review of Economics and Statistics 99:1, 40-52
Replication Data for: "Access to Home Equity and Consumption: Evidence from a Policy Experiment"
No full textAgarwal, Sumit, and Qian, Wenlan, (2017) "Access to Home Equity and Consumption: Evidence from a Policy Experiment." Review of Economics and Statistics 99:1, 40-52
Identification of the carbon incorporation mechanism during atomic layer deposition of SiCxNy using in situ ATR-FTIR spectroscopy
No full textMatching in Housing Markets: The Role of Ethnic Social Networks
No full textThis paper investigates the role of ethnic matching between buyers and sellers in Singapore's public housing market. We find that sellers sell homes in blocks with a high concentration of their own (other) ethnic group(s) at significant premiums (discounts). Chinese sellers earn 1.7% higher premiums when selling homes to Chinese buyers in high Chinese concentrations housing blocks, but Malay sellers accept 1.6% discounts from Malay buyers in the same blocks. We find that the high volume of within-ethnicity transactions with the price discounts is supported by the ethnic social networks, that is, through ethnicity-specialized real estate agents.
Learning Through Social Networks: How Foreign Workers Optimize FinTech Usage for Remittances
No full textStudy of nickel silicide as a copper diffusion barrier in monocrystalline silicon solar cells
No full textIncludes bibliographical references
The age of reason: financial decisions over the lifecycle
Full text linkThe sophistication of financial decisions varies with age: middle-aged adults borrow at lower interest rates and pay fewer fees compared to both younger and older adults. We document this pattern in ten financial markets. The measured effects cannot be explained by observed risk characteristics. The sophistication of financial choices peaks around age 53 in our cross-sectional data. Our results are consistent with the hypothesis that financial sophistication rises and then falls with age, although the patterns that we observe represent a mix of age effects and cohort effects.Financial institutions ; Loans
Interest Rate Pass-Through and Consumption Response: the Deposit Channel
No full textAgarwal, Sumit, Chomsisengphet, Souphala, Yildirim, Yildiray, and Zhang, Jian, (2021) “Interest Rate Pass-Through and Consumption Response: The Deposit Channel.” Review of Economics and Statistics 103:5, 922–938
The Age of Reason: Financial Decisions Over the Lifecycle
Full text linkIn cross-sectional data sets from ten credit markets, we find that middle-aged adults borrow at lower interest rates and pay fewer fees relative to younger and older adults. Fee and interest payments are minimized around age 53. The measured effects are not explained by observed risk characteristics. We discuss several leading factors that may contribute to these effects, including age-related changes in experience and cognitive function, selection effects, and cohort effects.
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