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DIW Roundup 140 / 2022

The Impact of Price Display on Financial Decisions

Credit decisions play an important role for the economic wellbeing of households. However, the complexity of products and varying price information display makes it hard for consumers to navigate this field. Empirical evidence has important implications for consumer protection policies, as many people fail to make optimal choices for themselves and struggle to understand credit cost information. Presenting ...

2022| Antonia Gipp
Externe referierte Aufsätze

Active Learning Improves Financial Education: Experimental Evidence from Uganda

We conduct a randomized field experiment to study the effects of two financial education interventions offered to small-scale retailers in rural western Uganda. The treatments contrast “active learning” with traditional “lecturing” within standardized lesson-plans. After six months, active learning has a positive effect on savings and investment outcomes, in contrast to small or zero effects for lecturing. ...

In: Journal of Development Economics 157 (2022), 102870, 9 S. | Tim Kaiser, Lukas Menkhoff
Monographien

Financial Education Matters: Testing the Effectiveness of Financial Education Across 76 Randomized Experiments

Do financial education programs affect financial knowledge and behaviors? We examine this question using a meta-analysis that incorporates studies from the past decade, which saw a rapid increase in financial education research. When examining data from 76 financial education randomized experiments across 33 countries covering over 160,000 individuals, we find that financial education improves both ...

Denver: NEFE, 2022, 9 S.
(Insights: Financial Capability ; April 2022)
| Tim Kaiser, Annamaria Lusardi, Lukas Menkhoff, Carly Urban
Monographien

Essays on the Impact of Behavioral Aspects and Education for Financial Development: Dissertation

Diese Arbeit untersucht den Einfluss verhaltensökonomischer Aspekte und Bildung für die finanzielle Entwicklung. Sie besteht aus vier Kapiteln, welche jeweils ein separates Forschungspapier darstellen. Die Kapitel decken folgende Themen ab: Determinanten einer impulsiven Kreditaufnahme, Hindernisse bei finanzieller Inklusion, die Auswirkungen von finanzieller Bildung und die finanziellen Folgen eines ...

Berlin: Humboldt-Univ., 2022, XVI, 186 S. | Jana Samira Hamdan
Zeitungs- und Blogbeiträge

Financial Education is Effective and Efficient

In: VoxEU.org (17.02.2022), [Online-Artikel] | Lukas Menkhoff, Tim Kaiser, Annamaria Lusardi, Carly Urban
Weitere Aufsätze

Ökonomische Bildung oder finanzielle Bildung?

In: Zeitschrift für das gesamte Kreditwesen (2022), 6, S. 35-37 | Lukas Menkhoff, Martin Taborsky
Externe referierte Aufsätze

Financial Education Affects Financial Knowledge and Downstream Behaviors

We study the rapidly growing literature on the causal effects of financial education programs in a meta-analysis of 76 randomized experiments with a total sample size of over 160,000 individuals. Many of these experiments are published in top economics and finance journals. The evidence shows that financial education programs have, on average, positive causal treatment effects on financial knowledge ...

In: Journal of Financial Economics (2022), im Ersch. [online first: 2021-10-03] | Tim Kaiser, Annamaria Lusardi, Lukas Menkhoff, Carly Urband
Externe referierte Aufsätze

Locus of Control and Investment in Training

We extend standard models of work-related training by explicitly incorporating workers’ locus of control into the investment decision through the returns they expect. Our model predicts that higher internal control results in increased take-up of general, but not specific, training. This prediction is empirically validated using data from the German Socioeconomic Panel (SOEP). We provide empirical ...

In: Journal of Human Resources (2022), im Ersch. [2021-06-10] | Marco Caliendo, Deborah A. Cobb-Clark, Cosima Obst, Helke Seitz, Arne Uhlendorf
Externe referierte Aufsätze

Mobile Money, Financial Inclusion, and Unmet Opportunities: Evidence from Uganda

Mobile money is an important instrument to improve the degree of financial inclusion, especially in developing countries. However, having a mobile money account does not imply that this account is actually used. In our sample, 86% of microentrepreneurs own a mobile money account, but only 49% actively use it – the resulting gap indicates unmet opportunities. We estimate that mobile money reaches up ...

In: Journal of Development Studies 58 (2022), 4, S. 671-691 | Jana S. Hamdan, Katharina Lehmann-Uschner, Lukas Menkhoff
DIW Lecture on Money and Finance

Chancen und Herausforderungen der ökonomischen Bildung in Zeiten der Digitalisierung

Ein wesentlicher Faktor für die große Wirtschafts- und Finanzkrise 2008 war die Überschuldung US-amerikanischer Haushalte mit riskanten Immobilienkrediten. In Deutschland gilt fast jede zehnte Privatperson als zu hoch verschuldet, es wird eher zu wenig für das Alter gespart und wenn dann häufig mit geringer Rendite. In einer modernen Gesellschaft setzt Teilhabe auch ein...

25.10.2021| Burkhard Balz, Martin Taborsky, Lukas Menkhoff, Dorothea Schäfer
89 Ergebnisse, ab 1
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