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How are veterans faring financially? Updates and new evidence from a national survey 退伍军人的经济状况如何？来自全国调查的最新情况和新证据
IF 3.8
JOURNAL OF ECONOMICS AND BUSINESS Pub Date : 2024-03-01 DOI: 10.1016/j.jeconbus.2023.106155
Gary Mottola , William Skimmyhorn , Olivia Valdes
{"title":"How are veterans faring financially? Updates and new evidence from a national survey","authors":"Gary Mottola ,&nbsp;William Skimmyhorn ,&nbsp;Olivia Valdes","doi":"10.1016/j.jeconbus.2023.106155","DOIUrl":"10.1016/j.jeconbus.2023.106155","url":null,"abstract":"<div><p>This research provides new and updated evidence on the financial capability of military veterans. We leverage data from two waves of the FINRA Investor Education Foundation’s National Financial Capability Study (NFCS) to examine how veterans are faring over time, relative to comparable civilians. Overall, veterans in 2018 fared better than non-veterans in several areas. They reported higher financial satisfaction, less difficulty covering expenses, and a higher likelihood of having an emergency fund and non-retirement investment account. However, veterans were more likely to report having experienced a large drop in income, problematic credit card behaviors and late mortgage payments. Notably, though several indicators of overall financial well-being and saving behaviors improved from 2015 to 2018 and spending and credit outcomes worsened, these relative changes did not differ between veterans and non-veterans.</p></div>","PeriodicalId":47522,"journal":{"name":"JOURNAL OF ECONOMICS AND BUSINESS","volume":"129 ","pages":"Article 106155"},"PeriodicalIF":3.8,"publicationDate":"2024-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.sciencedirect.com/science/article/pii/S0148619523000486/pdfft?md5=d371b77c7dfc9517f3be18ce37473d14&pid=1-s2.0-S0148619523000486-main.pdf","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139373393","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The effects of state utility shutoff moratoria on credit delinquencies during the COVID-19 pandemic 在 COVID-19 大流行期间，州公用事业暂停对信贷拖欠的影响
IF 3.8
JOURNAL OF ECONOMICS AND BUSINESS Pub Date : 2024-03-01 DOI: 10.1016/j.jeconbus.2024.106170
Jennifer Andre , Breno Braga , Kassandra Martinchek , Signe-Mary McKernan
{"title":"The effects of state utility shutoff moratoria on credit delinquencies during the COVID-19 pandemic","authors":"Jennifer Andre ,&nbsp;Breno Braga ,&nbsp;Kassandra Martinchek ,&nbsp;Signe-Mary McKernan","doi":"10.1016/j.jeconbus.2024.106170","DOIUrl":"10.1016/j.jeconbus.2024.106170","url":null,"abstract":"<div><p>The number of people in financial distress was expected to increase in the wake of the COVID-19 pandemic, with the most vulnerable populations likely suffering the most. To protect the most disadvantaged, states implemented emergency measures such as utility shutoff moratoria, which prevented utility companies from disconnecting families’ energy and water services due to non-payment. Using credit bureau data on five million consumers, we investigate how a utility shutoff moratorium impacted consumers’ credit delinquencies. We find that adults living in states that implemented such protections were less likely to be late in the payment of their credit cards and auto &amp; retail loan bills during the pandemic. We also find that a state utility shutoff moratorium reduced the likelihood of consumers’ unpaid debt being sent to collections during the pandemic. Residents of majority-Black communities benefited the most from a utility shutoff moratorium. These results suggest that families in states with a utility shutoff moratorium used this economic relief to pay their financial obligations in time.</p></div>","PeriodicalId":47522,"journal":{"name":"JOURNAL OF ECONOMICS AND BUSINESS","volume":"129 ","pages":"Article 106170"},"PeriodicalIF":3.8,"publicationDate":"2024-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140150446","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Impacts of COVID-19-era economic policies on consumer debt in the United Kingdom COVID-19 时代的经济政策对英国消费者债务的影响
IF 3.8
JOURNAL OF ECONOMICS AND BUSINESS Pub Date : 2024-03-01 DOI: 10.1016/j.jeconbus.2024.106162
Mingli Zhong , Breno Braga , Signe-Mary McKernan , Mark Hayward , Elizabeth Millward , Christopher Trepel
{"title":"Impacts of COVID-19-era economic policies on consumer debt in the United Kingdom","authors":"Mingli Zhong ,&nbsp;Breno Braga ,&nbsp;Signe-Mary McKernan ,&nbsp;Mark Hayward ,&nbsp;Elizabeth Millward ,&nbsp;Christopher Trepel","doi":"10.1016/j.jeconbus.2024.106162","DOIUrl":"10.1016/j.jeconbus.2024.106162","url":null,"abstract":"<div><p>We examine the effects of the Universal Credit expansion and mortgage forbearance on the financial well-being of United Kingdom (UK) residents during the pandemic. Using anonymized individual-level consumer financial data on 2 million UK consumers, each with one or more defaulted accounts accrued before the pandemic, we found that average nonmortgage debt increased by 17% from October 2019 (£5497) to December 2021 (£6456). Using a difference-in-difference approach, we found mixed policy impacts on the debt people carried. Although the expansion of Universal Credit was intended to help financially vulnerable families, consumers who were more likely to benefit from the Universal Credit expansion took on 1% more total nonmortgage debt after the policy expansion. By contrast, during the period of mortgage forbearance, mortgage holders accumulated 1% less total nonmortgage debt compared to nonmortgage holders. These results suggest that policies implemented in the UK to protect financially vulnerable families were insufficient to prevent beneficiaries from accumulating additional debt during the pandemic.</p></div>","PeriodicalId":47522,"journal":{"name":"JOURNAL OF ECONOMICS AND BUSINESS","volume":"129 ","pages":"Article 106162"},"PeriodicalIF":3.8,"publicationDate":"2024-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140054256","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
The incentive effects of the overlapping project structure in credit markets 信贷市场重叠项目结构的激励效应
IF 3.8
JOURNAL OF ECONOMICS AND BUSINESS Pub Date : 2024-01-01 DOI: 10.1016/j.jeconbus.2024.106159
J.-P. Niinimäki
{"title":"The incentive effects of the overlapping project structure in credit markets","authors":"J.-P. Niinimäki","doi":"10.1016/j.jeconbus.2024.106159","DOIUrl":"10.1016/j.jeconbus.2024.106159","url":null,"abstract":"<div><p>In this theoretical paper, we examine the risk-shifting problem between lenders and a firm running projects in two different environments. In a synchronous environment, the firm introduces two new 2-period projects that both begin and end on the same date and hence have a new start date in odd-numbered periods. In an asynchronous environment, the firm introduces one new 2-period project in every period: This process creates an overlapping structure for the projects. We show that the set of parameters that allow for reputation-supported lending is larger if projects are asynchronous rather than synchronous. The findings can be generalized to other forms of moral hazard.</p></div>","PeriodicalId":47522,"journal":{"name":"JOURNAL OF ECONOMICS AND BUSINESS","volume":"128 ","pages":"Article 106159"},"PeriodicalIF":3.8,"publicationDate":"2024-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.sciencedirect.com/science/article/pii/S0148619524000018/pdfft?md5=a3263de2b791d7066e6ac7c1ea867502&pid=1-s2.0-S0148619524000018-main.pdf","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139518073","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Board structure in emerging markets: A simultaneous equation modeling 新兴市场的董事会结构：同步方程模型
IF 3.8
JOURNAL OF ECONOMICS AND BUSINESS Pub Date : 2024-01-01 DOI: 10.1016/j.jeconbus.2024.106160
Ichiro Iwasaki , Xinxin Ma , Satoshi Mizobata
{"title":"Board structure in emerging markets: A simultaneous equation modeling","authors":"Ichiro Iwasaki ,&nbsp;Xinxin Ma ,&nbsp;Satoshi Mizobata","doi":"10.1016/j.jeconbus.2024.106160","DOIUrl":"10.1016/j.jeconbus.2024.106160","url":null,"abstract":"<div><p>This paper unravels the board structure of 42,146 firms in China and 21 European emerging markets and empirically examines its determinants. Structural estimation of simultaneous equation models that endogenize board size, outside board chairmanship, and board independence produced evidence supporting our predictions about potential factors that determine these three variables, which are based on previous studies of developed economies. However, we found striking differences in the combination of factors that strongly affect board structure between China and European emerging markets and between public and private companies. Furthermore, the empirical results in this paper suggest that the close interdependence among board components requires analytical consideration.</p></div>","PeriodicalId":47522,"journal":{"name":"JOURNAL OF ECONOMICS AND BUSINESS","volume":"128 ","pages":"Article 106160"},"PeriodicalIF":3.8,"publicationDate":"2024-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.sciencedirect.com/science/article/pii/S014861952400002X/pdfft?md5=8c8cfd042412bc4a6f0d55f34464a578&pid=1-s2.0-S014861952400002X-main.pdf","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139887132","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
SMEs and patents: Is it worth it? A longitudinal analysis of the patent-performance relationship 中小企业与专利：值得吗？专利与绩效关系的纵向分析
IF 3.8
JOURNAL OF ECONOMICS AND BUSINESS Pub Date : 2024-01-01 DOI: 10.1016/j.jeconbus.2023.106147
Jonathan Taglialatela , Roberto Barontini
{"title":"SMEs and patents: Is it worth it? A longitudinal analysis of the patent-performance relationship","authors":"Jonathan Taglialatela ,&nbsp;Roberto Barontini","doi":"10.1016/j.jeconbus.2023.106147","DOIUrl":"10.1016/j.jeconbus.2023.106147","url":null,"abstract":"<div><p>In response to scepticism about the benefits of patenting in small firms, this paper provides new evidence on the relationship between financial performance in SMEs and patents, distinguishing between applications and granted patents. Empirical analyses show that firms with a patent application still pending five years after the filing date report higher sales than comparable firms who have not filed. Yet, we also find that the monopoly rights attached to granted patents do not result in higher sales than simply filing for a patent. This analysis leads us to infer that the activities performed during the patent application process improve firm knowledge stocks and absorptive capacity, in turn promoting performance above and beyond the status quo. SME managers should find in this study solid empirical evidence supporting well-informed decision-making over patenting.</p></div>","PeriodicalId":47522,"journal":{"name":"JOURNAL OF ECONOMICS AND BUSINESS","volume":"128 ","pages":"Article 106147"},"PeriodicalIF":3.8,"publicationDate":"2024-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.sciencedirect.com/science/article/pii/S0148619523000401/pdfft?md5=3a36b3461907d3b34fd222f1a4720364&pid=1-s2.0-S0148619523000401-main.pdf","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136093276","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"OA","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
R&D grants and medical innovation 研发补助金和医疗创新
IF 3.8
JOURNAL OF ECONOMICS AND BUSINESS Pub Date : 2024-01-01 DOI: 10.1016/j.jeconbus.2023.106148
Omer Unsal , Reza Houston
{"title":"R&D grants and medical innovation","authors":"Omer Unsal ,&nbsp;Reza Houston","doi":"10.1016/j.jeconbus.2023.106148","DOIUrl":"10.1016/j.jeconbus.2023.106148","url":null,"abstract":"<div><p>This paper examines the relationship between government-funded R&amp;D grants in the US and pharmaceutical firm innovation. We find a positive and robust relationship between grant receipt, future patents, and medical innovations. The strength of the relationship between R&amp;D grants and pharmaceutical innovation is attenuated by firm lobbying but strengthened by industry competition, geographic dispersion, and leverage. Investors recognize the unequal value added by grant receipt. R&amp;D grant receipt also impacts future financial performance and sales growth. Our results indicate that the relationship between R&amp;D and innovation is more nuanced than previously identified.</p></div>","PeriodicalId":47522,"journal":{"name":"JOURNAL OF ECONOMICS AND BUSINESS","volume":"128 ","pages":"Article 106148"},"PeriodicalIF":3.8,"publicationDate":"2024-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136167269","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Innovating microcredit: how fintechs change the field 创新小额信贷：金融科技如何改变这一领域
IF 3.8
JOURNAL OF ECONOMICS AND BUSINESS Pub Date : 2024-01-01 DOI: 10.1016/j.jeconbus.2023.106158
Rodrigo Leite , Layla Mendes , Emmanuel Camelo
{"title":"Innovating microcredit: how fintechs change the field","authors":"Rodrigo Leite ,&nbsp;Layla Mendes ,&nbsp;Emmanuel Camelo","doi":"10.1016/j.jeconbus.2023.106158","DOIUrl":"10.1016/j.jeconbus.2023.106158","url":null,"abstract":"<div><p>We explore the relationship between traditional microfinance screening variables and a new one (job experience) for a Brazilian fintech microcredit firm, which developed a strategy that targets poor workers using the clients’ job contracts as collateral and by implementing a 100% online application. A total of 911 contracts were analyzed. Unlike previous studies, we show that the main variable used for screening is job experience: borrowers with lengthy experience in their current jobs received larger loans with lower interest rates while maintaining smaller delinquencies. Additionally, we find that women receive lower interest rates and longer loan durations because of their job experience. We theorize that job experience helps to reduce the “collateral gap” between genders in Brazilian microcredit markets.</p></div>","PeriodicalId":47522,"journal":{"name":"JOURNAL OF ECONOMICS AND BUSINESS","volume":"128 ","pages":"Article 106158"},"PeriodicalIF":3.8,"publicationDate":"2024-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139470360","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Industrial Targeting in Indonesia: An Empirical Approach for Growth Diagnostics 印度尼西亚的工业目标：增长诊断的实证方法
IF 3.8
JOURNAL OF ECONOMICS AND BUSINESS Pub Date : 2023-12-30 DOI: 10.31014/aior.1992.06.04.545
Muhammad Arditya Rindimajangga
{"title":"Industrial Targeting in Indonesia: An Empirical Approach for Growth Diagnostics","authors":"Muhammad Arditya Rindimajangga","doi":"10.31014/aior.1992.06.04.545","DOIUrl":"https://doi.org/10.31014/aior.1992.06.04.545","url":null,"abstract":"","PeriodicalId":47522,"journal":{"name":"JOURNAL OF ECONOMICS AND BUSINESS","volume":" 34","pages":""},"PeriodicalIF":3.8,"publicationDate":"2023-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139139744","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Conceptualizing E-commerce Strategy as a Tool for Internationalization Performance 将电子商务战略概念化为国际化绩效工具
IF 3.8
JOURNAL OF ECONOMICS AND BUSINESS Pub Date : 2023-12-30 DOI: 10.31014/aior.1992.06.04.544
Joy D.M. Alokpo, J. Kilika
{"title":"Conceptualizing E-commerce Strategy as a Tool for Internationalization Performance","authors":"Joy D.M. Alokpo, J. Kilika","doi":"10.31014/aior.1992.06.04.544","DOIUrl":"https://doi.org/10.31014/aior.1992.06.04.544","url":null,"abstract":"","PeriodicalId":47522,"journal":{"name":"JOURNAL OF ECONOMICS AND BUSINESS","volume":" 2","pages":""},"PeriodicalIF":3.8,"publicationDate":"2023-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139137287","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
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