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320 results, from 121
  • DIW Roundup 130 / 2019

    Do Default Assignments Increase Savings of the Poor? Empirical Evidence

    Although households in developing and emerging countries are relatively poor, there is potential to save. For example, one study estimates that up to 8.1% of a poor household’s budget in such countries is spent on so-called temptation goods, like alcohol, tobacco, and festivals (Banerjee and Duflo, 2007). At the same time, many households are aware of the fact that they do not save enough. They name ...

    2019| Eva Haaser, Melanie Koch
  • DIW Weekly Report 39 / 2019

    Monetary Policy Can Have Heterogeneous Effects on the Investment Behavior of Women and Men

    The ultra-loose monetary policy of recent years has raised concerns that the low interest rate environment may overly benefit households with specific demographic and financial characteristics. In this context, monetary policy can be a potential driver of gender wealth inequality, since women are known to be more risk averse, less financially literate, and to participate less in the financial markets ...

    2019| Caterina Forti Grazzini, Chi Hyun Kim
  • 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 1816 / 2019

    Income Redistribution, Consumer Credit, and Keeping up with the Riches

    In this study, we set up a DSGE model with upward looking consumption comparison and show that consumption externalities are an important driver of consumer credit dynamics. Our model economy is populated by two different household types. Investors, who hold the economy’s capital stock, own the firms and supply credit, and workers, who supply labor and demand credit to finance consumption. Furthermore, ...

    2019| Mathias Klein, Christopher Krause
  • Refereed essays Web of Science

    Health-Related Life Cycle Risks and Public Insurance

    Based on a dynamic life cycle model, this study analyzes health-related risks of consumption and old-age poverty. The model allows for health effects on employment risks, on productivity, on longevity, the correlation between health risks, productivity and preferences, and the financial incentives of the German public insurance schemes. The estimation uses data on male employees and an extended expectation-maximization ...

    In: Journal of Health Economics 65 (2019), S. 227-245 | Daniel Kemptner
  • SOEPpapers 1026 / 2019

    Willingness to Take Risk: The Role of Risk Conception and Optimism

    We show that the disposition to focus on favorable or unfavorable outcomes of risky situations affects willingness to take risk as measured by the general risk question. We demonstrate that this disposition, which we call risk conception, is strongly associated with optimism, a stable facet of personality, and that it predicts real-life risk taking. The general risk question captures this disposition ...

    2019| Thomas Dohmen, Simone Quercia, Jana Willrodt
  • Refereed essays Web of Science

    Do Demographics Prevent Consumption Aggregates from Reflecting Micro-Level Preferences?

    Most simulated micro-founded macro models use solely consumer-demand aggregates in order to estimate preference parameters of a representative consumer, for use in policy evaluation. Focusing on dynamic models with time-separable preferences, we show that aggregation holds if, and only if, momentary utility functions fall in the Identical-Shape Harmonic Absolute-Risk Aversion (ISHARA) utility class, ...

    In: European Economic Review 111 (2019), S. 166-190 | Christos Koulovatianos, Carsten Schröder, Ulrich Schmidt
  • Refereed essays Web of Science

    Net Neutrality and CDN Intermediation

    We analyze competition between Internet Service Providers (ISPs) where consumers demand heterogeneous content within two Quality-of-Service (QoS) regimes, Net Neutrality and Paid Prioritization, and show that paid prioritization increases the static efficiency compared to a neutral network. We also consider paid prioritization intermediated by Content Delivery Networks (CDNs). While the use of CDNs ...

    In: Information Economics and Policy 46 (2019), S. 55-67 | Pio Baake, Slobodan Sudaric
  • Weekly Report

    Social sustainability labels: promises and reality in the example of Fairtrade-coffee

    By Pio Baake, Jana Friedrichsen, and Helene Naegele Fairtrade certification is intended to improve both the income and living conditions of producers, thereby creating more fairness in international trade. However, theoretical considerations and empirical studies show that this goal is only achieved to a limited extent, at least for coffee: Faitrade certification leads at best to small increases in ...

    03.12.2018| Jana Friedrichsen, Helene Naegele
  • Brown Bag Seminar Industrial Economics

    Airbnb and Rental Prices: Evidence from Berlin

    16.11.2018| Kevin Ducbao Tran
320 results, from 121
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