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DIW Economic Bulletin 30/31 / 2015

School, Parents, and Financial Literacy Shape Future Financial Behavior

Why do some people make better financial decisions than others do? The level of financial literacy plays an important role: Quality schooling that also deals with financial issues likewise leads to better financial decisions. However, many studies neglect how parenting also influences financial behavior. This report shows that parents also have an indirect effect on the financial literacy of their ...

2015| Antonia Grohmann, Lukas Menkhoff
Vierteljahrshefte zur Wirtschaftsforschung 4 / 2017

Finanzkompetenz für alle Lebenslagen: finanzielle Bildung: Bessere Finanzentscheidungen für heute und morgen: Editorial

2017| Antonia Grohmann, Kornelia Hagen
Vierteljahrshefte zur Wirtschaftsforschung 3 / 2017

Finanzkompetenz für alle Lebenslagen: finanzielle Bildung – wird die Jugend für die Zukunft gewappnet? Editorial

2017| Antonia Grohmann, Kornelia Hagen
Diskussionspapiere 1823 / 2019

The Effect of Personalized Feedback on Small Enterprises’ Finances in Uganda

This RCT examines the effect of a new style finance training during which participants are given personalized feedback on their financial business outcomes in addition to a “rules-of-thumb” training approach. We compare this to the effects of a “rules-of-thumb” training by itself and to a control group. Targeting about 500 small and micro entrepreneurs in Kampala, Uganda, we find that the personalized ...

2019| Antonia Grohmann, Lukas Menkhoff, Helke Seitz
Diskussionspapiere 1720 / 2018

Financial Literacy and Intra-Household Decision Making: Evidence from Rwanda

Despite considerable policy efforts, women continue to be underrepresented in positions of power and decision making. As an important aspect of women empowerment, we examine women’s participation in intrahousehold financial decision making and how this is affected by financial literacy. Using both OLS and IV regression analysis, we show that women with higher financial literacy are more involved in ...

2018| Antonia Grohmann, Annekathrin Schoofs
Diskussionspapiere 1702 / 2017

Financial Literacy and Financial Behavior: Evidence from the Emerging Asian Middle Class

This paper analyses financial literacy and financial behavior of middle class people living in an urban Asian economy. Other than most papers on financial literacy that focus on people in developed countries, we surveyed people living Bangkok. Using standard financial literacy questions, we find that financial literacy levels are largely comparable to industrialized countries, but understanding of ...

2017| Antonia Grohmann
Diskussionspapiere 1682 / 2017

Does Financial Literacy Improve Financial Inclusion? Cross Country Evidence

While financial inclusion is typically addressed by improving the financial infrastructure we show that financial literacy, representing the demand-side of financial markets, also has a beneficial effect. We study this effect at the cross-country level, which allows to consider institutional variation. Regarding “access to finance”, financial infrastructure and financial literacy are mainly substitutes. ...

2017| Antonia Grohmann, Theres Klühs, Lukas Menkhoff
Diskussionspapiere 1615 / 2016

Financial Literacy: Thai Middle Class Women Do Not Lag behind

This research studies the stylized fact of a “gender gap” in that women tend to have lower financial literacy than men. Our data which samples middle-class people from Bangkok does not show a gender gap. This result is not explained by men’s low financial literacy, nor by women’s high income and good education. Rather, it seems influenced by country characteristics on general gender equality and finance-related ...

2016| Antonia Grohmann, Olaf Hübler, Roy Kouwenberg, Lukas Menkhoff
Diskussionspapiere 1525 / 2015

The Effect of Peer Observation on Consumption Choices: Experimental Evidence

This paper investigates the impact of peer observation on the consumption decisions of rural households in Thailand using a lab-in-the-field experiment. We find that those groups that observe each other show lower within group standard deviation in their decisions. Thus, we find evidence for conformity. Further, we find that individual's consumption choice is influenced by the group choice controlling ...

2015| Antonia Grohmann, Sahra Sakha
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