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  • Externe Monographien

    Intangible Capital and Productivity Divergence

    Understanding the causes of the slowdown in aggregate productivity growth is key to maintaining the competitiveness of advanced economies and ensuring long-term economic prosperity. This paper is the first to provide evidence that investment in intangible capital, despite having a positive effect on productivity at the micro level, is a driver of the weak productivity performance at the aggregate level ...

    Tilburg: Tilburg University, 2022, 69 S.
    (TILEC Discussion Paper ; 2022-08)
    | Marie Le Mouel, Alexander Schiersch
  • 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
  • Refereed essays Web of Science

    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
  • Diskussionspapiere 2004 / 2022

    Durable Consumption, Limited VAT Pass-Through and Stabilization Effects of Temporary VAT Changes

    This paper revives the question of whether a temporary VAT change is an adequate instrument for crisis stabilization. In empirical assessments, we find that durable goods consumption fluctuates strongly over the business cycle and that VAT rate changes affect durable goods in particular. Therefore, we build a dynamic stochastic general equilibrium (DSGE) model that is capable of addressing this major ...

    2022| Marius Clemens, Werner Röger
  • Externe 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
  • Refereed essays Web of Science

    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 145 (2022), S. 255–272 | Tim Kaiser, Annamaria Lusardi, Lukas Menkhoff, Carly Urband
  • Diskussionspapiere 1998 / 2022

    Facebook Shadow Profiles

    Data is often at the core of digital products and services, especially when related to online advertising. This has made data protection and privacy a major policy concern. When surfing the web, consumers leave digital traces that can be used to build user profiles and infer preferences. We quantify the extent to which Facebook can track web behavior outside of their own platform. The network of engagement ...

    2022| Luis Aguiar, Christian Peukert, Maximilian Schäfer, Hannes Ullrich
  • Diskussionspapiere 1996 / 2022

    The Effect of Social Comparison on Debt Taking: Experimental Evidence

    A number of studies show that there is a link between social comparison and high levels of household debt. However, the exact mechanisms behind this link are not yet well understood. In this paper, we disentangle two mechanisms by performing a lab experiment designed to study the effects of social image concerns and peer information on consumption choices financed through debt taking. We find that ...

    2022| Antonia Grohmann, Melanie Koch
311 results, from 31
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