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DIW Wochenbericht 25 / 2021

Fehlende Selbstkontrolle und geringe finanzielle Bildung als Ursachen von Konsumschulden

Aktuell machen sich 40 Prozent der Menschen in Deutschland Sorgen um ihre eigene wirtschaftliche Situation. In ernsten finanziellen Schieflagen ist bislang aber nur eine Minderheit. Im Jahr 2020 galten 6,85 Millionen Personen in Deutschland als überschuldet, konnten ihren Zahlungsverpflichtungen also über längere Zeit nicht nachkommen. Diese Zahl weicht nicht signifikant von den Vorjahren ab. Dabei ...

2021| Jana Hamdan
DIW Wochenbericht 22 / 2021

Finanzielle Bildung: Wichtiger Schutz gegen Überschuldung: Kommentar

2021| Jana Hamdan
Diskussionspapiere 2007 / 2022

COVID-19 Lockdown Compliance, Financial Stress, and Acceleration in Technology Adoption in Rural Uganda

We examine the medium-term impact of COVID-19 for financial well-being and technology adoption in a low-income country. The analysis is based on regionally representative panel data consisting of 1,975 micro-entrepreneurs from rural Uganda. Using a LASSO approach, we first show that several business characteristics predict longer business shutdown due to COVID-19, including running a service business. ...

2022| Jana Hamdan, Yuanwei Xu
Diskussionspapiere 1950 / 2021

The Effect of Self-Control and Financial Literacy on Impulse Borrowing: Experimental Evidence

This paper examines the effect of reduced self-control on impulsive borrowing in a laboratory experiment. We manipulate self-control using an ego depletion task and show that it is effective. Following the ego depletion task, participants can anonymously buy hot drinks on credit. We find no significant average effects, but find that treated individuals that have low financial literacy are more likely ...

2021| Antonia Grohmann, Jana Hamdan
DIW Roundup 131 / 2019

The Impact of Mobile Money in Developing Countries

Mobile money is a success story in terms of facilitating account ownership and payments in developing and emerging countries. Today, telecommunication companies offer mobile money services across more than 90 countries. The most popular services are deposits and instant digital money transfers between users. Widespread mobile money adoption is boosting financial inclusion, reducing in transaction costs ...

2019| Jana Hamdan
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
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
Weitere Aufsätze

Zum Zusammenhang von finanzieller Bildung, Selbstkontrolle und Schulden: Experimentelle Untersuchung zu Gründen von Überschuldung

In: BAG-SB Informationen 36 (2021), 4, S. 214-216 | Antonia Grohmann, Jana Hamdan
Monographien

The Effect of Self-Control on Borrowing: Experimental Evidence

This paper examines the effect of reduced self-control on debt-taking in a laboratory experiment. We manipulate self-control using an ego depletion task and show that it is effective. Following the ego depletion task, participants can anonymously buy hot drinks on credit. We find no significant average effects, but find that treated individuals that have low financial literacy are more likely to buy ...

Munich: Collaborative Research Center Transregio 190, 2020, 36 S. : Anh.
(Discussion paper / Rationality & Competition, CRC TRR 190 ; 264)
| Antonia Grohmann, Jana Hamdan
Zeitungs- und Blogbeiträge

The Role of Ukrainian Workers in the EU

In: BSE INSIGHTS Pieces on the War in Ukraine (21.04.2022), [Online-Artikel] | Jana Hamdan
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