This paper examines whether biased income expectations due to overconfidence lead to higher levels of debt-taking. In a lab experiment, participants can purchase goods by borrowing against their future income. We exogenously manipulate income ...
While financial inclusion is typically addressed by improving the financial infrastructure, we show that a higher degree of financial literacy also has a clear beneficial effect. We study this effect at the cross-country level, which allows us to ...
The large numbers of refugees that arrived in Germany over the last few years, has raised the question about how migrants adjust to life in Germany and how easy it is for migrants to integrate into society. One important part of integration is ...
Kleinunternehmer in Entwicklungsländern weisen erhebliche Defizite in ihrem Finanzverhalten auf, die ihr Fortkommen behindern. Deshalb werden Interventionen zur Verbesserung der finanziellen Bildung und letztlich damit zu einem verbesserten ...
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 ...
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 (
Im 4. und vorerst letzten Workshop im Rahmen der Veranstaltungsreihe des DIW Berlin „Finanzkompetenz für alle Lebenslagen“ wird insbesondere diskutiert, ob Finanzwissen sowie -bildung und -beratung einen Beitrag dazu leisten kö ...
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