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311 results, from 81
  • DIW Weekly Report 21/22 / 2020

    Mobile Money is Driving Financial Development in Africa

    Mobile money is an innovation that allows financial transactions to be performed via a cell phone. Even in poor regions of Africa, almost everyone has a cell phone; therefore, mobile money could both contribute to the continent’s economic growth and ensure that no Africans are excluded from access to financial services. However, DIW Berlin data from Uganda show that mobile money is actually used less ...

    2020| Katharina Lehmann-Uschner, Lukas Menkhoff
  • Refereed essays Web of Science

    Consumption-Oriented Policy Instruments for Fostering Greenhouse Gas Mitigation

    Most policy instruments to reduce greenhouse gas (GHG) emissions have focused on producers, and on the energy efficiency of buildings, vehicles and other products. Behavioural changes related to climate change also impact ‘in-use’ emissions, and potentially, emissions both ‘upstream’ (including from imported goods) and ‘downstream’ (eg disposal). Consumption-oriented policies may provide avenues to ...

    In: Climate Policy 20 (2020), Suppl. 1, S. S58–S73 | Michael Grubb, Doug Crawford-Brown, Karsten Neuhoff, Karin Schanes, Sonja Hawkins, Alexandra Poncia
  • Diskussionspapiere 1845 / 2020

    Hours Risk and Wage Risk: Repercussions over the Life-Cycle

    We decompose permanent earnings risk into contributions from hours and wage shocks. To distinguish between hours shocks, modeled as innovations to the marginal disutility of work, and labor supply reactions to wage shocks we formulate a life-cycle model of consumption and labor supply. Both permanent wage and hours shocks are important to explain earnings risk, but wage shocks have greater relevance. ...

    2020| Robin Jessen, Johannes König
  • Diskussionspapiere 1864 / 2020

    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. The evidence shows that financial education programs have, on average, positive causal treatment effects on financial knowledge and downstream financial behaviors. Treatment effects are economically meaningful ...

    2020| Tim Kaiser, Annamaria Lusardi, Lukas Menkhoff, Carly Urban
  • Diskussionspapiere 1860 / 2020

    The Financial Accelerator, Wages, and Optimal Monetary Policy

    I study the effects of labor market outcomes on firms' loan demand and credit intermediation. I first show in partial equilibrium that the presence of frictions in the banking sector lowers the capital factor demand elasticity to changes in real wages. This finding helps to connect the substitutability of labor and capital with credit conditions. Second, I use a new Keynesian banking model with an ...

    2020| Tobias König
  • Vierteljahrshefte zur Wirtschaftsforschung 1 / 2020

    Systemic Usury and the European Consumer Credit Directive

    Wucher ist ein häufiges Phänomen auf den Verbraucherkreditmärkten und betrifft insbesondere Haushalte mit niedrigem Einkommen. Obwohl der Begriff Wucher Bilder eines gierigen Individuums beschwört, das bewusst handelt, um die schwache Verhandlungsposition eines anderen mit irreführenden und sogar betrügerischen Mitteln auszunutzen, betrachten wir ihn als systemisches Problem: als ein Problem der sozialen ...

    2020| Doris Neuberger, Udo Reifner
  • Refereed essays Web of Science

    Financial Education in Schools: A Meta-Analysis of Experimental Studies

    We study the literature on school financial education programs for children and youth via a quantitative meta-analysis of 37 (quasi-) experiments. We find that financial education treatments have, on average, sizeable impacts on financial knowledge (+0.33 SD), similar to educational interventions in other domains. Additionally, we document smaller effects on financial behaviors among students (+0.07 ...

    In: Economics of Education Review 78 (2020), 101930, 15 S. | Tim Kaiser, Lukas Menkhoff
  • Brown Bag Seminar Industrial Economics

    Data Network Effects: The Example of Internet Search

    Abstract:   The rise of dominant firms in data driven industries is often credited to their alleged data advantage. Empirical evidence lending support to this conjecture is lacking. In this paper, we show that data as an input into machine learning tasks displays features that favor the hypothesis that data is a source of market power. We study the search result quality for search keywords on...

    06.12.2019| Maximilian Schäfer
  • Brown Bag Seminar Industrial Economics

    Partitioned Pricing and Consumer Welfare

    Abstract:   In online commerce, obfuscation strategies by sellers are hypothesized to mislead consumers to their detriment and to the profit of sellers. One such obfuscation strategy is partitioned pricing in which the price is split into a base price and add-on fees. While empirical evidence suggests that partitioned pricing impacts consumer decisions through salience effects, its consumer...

    06.12.2019| Kevin Ducbao Tran
  • Brown Bag Seminar Industrial Economics

    Antibiotic Prescribing and Diagnostic Testing: Physician Behavior in the Case of Urinary Tract Infection

    Abstract: When a patient with symptoms of urinary tract infection arrives at a physician's office, it needs to decide which antibiotic drug to prescribe. A drug's efficacy in treating the infection depends on the individual, time-dependent resistance profile of the bacterium causing the infection. Physicians can conduct antibiotic susceptibility tests in order to create current resistance profiles...

    29.11.2019| Shan Huang
311 results, from 81
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