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294 results, from 21
  • DIW Weekly Report 37 / 2022

    Consumer Debt: Many Borrowers Unaware of Their Interest Rates; Cost Display Influences Likelihood of Accepting Credit Scenario

    The consumer debt of households in Germany totals in the triple-digit billions and is characterized by a wide range of interest rates. Despite the high volume of debt, many people do not know the terms of their consumer credit contracts. This report analyzes new survey data on general knowledge about typical forms of consumer credit, such as the overdraft facility and consumer loans. Women tend to ...

    2022| Antonia Gipp, Jana Hamdan, Lukas Menkhoff
  • 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
  • Externe 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
  • Externe referierte Aufsätze

    Expectation Management of Policy Leaders: Evidence from COVID-19

    This paper studies how the communication of political leaders affects the expectation formation of the public. Specifically, we examine the expectation management of the German government regarding COVID-19-related regulatory measures during the early phase of the pandemic. We elicit beliefs about the duration of these restrictions via a high-frequency survey of individuals, accompanied by an addi-tional ...

    In: Journal of Public Economics 209 (2022), 104659, 26 S. | Peter Haan, Andreas Peichl, Annekatrin Schrenker, Georg Weizsäcker, Joachim Winter
  • Externe referierte Aufsätze

    Ignorance, Intention and Stochastic Outcomes

    In sequential interactions, both the agent’s intention and the outcome of his choice may influence the principal’s action. While outcomes are typically observable, intentions are more likely to be hidden, leaving potential wiggle room for the principal when deciding on a reciprocating action. We employ a controlled experiment to investigate how intentions and outcome affect the principal’s actions ...

    In: Journal of Behavioral and Experimental Economics 100 (2022), 101913, 21 S. | Jana Friedrichsen, Katharina Momsen, Stefano Piasenti
  • 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

    Where is the Consumer Center? A Case of St. Petersburg

    In an urban economy, the distribution of people and real estate prices depends on the location of the central business district of a city. As distance from the city center increases, both prices and population density diminish, for travel costs increase in terms of time and money. As manufacturing gradually leaves the cities, the importance of consumer amenities as attractors of population to the urban ...

    In: Regional Science Policy and Practice 14 (2022), 4, S. 916-938 | Konstantin A. Kholodilin, Irina Krylova, Darya Kryutchenko
  • Brown Bag Seminar Industrial Economics

    Fairness in Markets and Market Experiments

    Whether pro-social preferences identified in economic laboratory experiments survive in natural market contexts is an important and contested issue. We investigate how fairness in a laboratory experiment framed explicitly as a market exchange relates to preferences for fair trade products elicited before and at the end of the market experiment. We find that the willingness to buy at a higher price...

    12.11.2021| Jana Friedrichsen, DIW Berlin and FU Berlin
  • Berlin Applied Micro Seminar (BAMS)

    Consumption and Subjective Expectations: Empirical Evidence and Structural Estimation

    19.04.2021| Arne Uhlendorff (CREST)
  • Brown Bag Seminar Industrial Economics

    The Value of Data for Prediction Policy Problems: Evidence from Antibiotic Prescribing

    This is an online seminar using Cisco Webex. You will receive the login data with the invitation to the talk. Abstract:   Large-scale personal data collection for the purpose of personalized predictions has been driven by high expectations of efficiency gains in many business and policy settings. Yet, quantifying the trade-off between the costs of linking disconnected silos of personal...

    12.02.2021| Shan Huang, DIW Berlin
294 results, from 21
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