JOURNAL OF ECONOMICS AND BUSINESS最新文献_第5页

Business Lobbying: A Systematic Literature Review 商业游说：系统文献综述

IF 3.8

JOURNAL OF ECONOMICS AND BUSINESS Pub Date : 2024-03-30 DOI: 10.31014/aior.1992.07.01.568

Bruno Perman Fernandes, M. Dias

引用次数: 0

The Influence of Financial Literacy and Financial Attitude on Financial Management Behavior 金融知识和金融态度对理财行为的影响

IF 3.8

JOURNAL OF ECONOMICS AND BUSINESS Pub Date : 2024-03-30 DOI: 10.31014/aior.1992.07.01.569

Muhammad Bayu Aji Sumantri, Tanti Irawati Mukhlis, Neneng Susanti, Oliver Hasan Padmanegara, Pebri Yanida, Vincentia Wahju Widajatun

引用次数: 0

Unveiling inequalities in consumer credit and payments 揭示消费信贷和支付中的不平等现象

IF 3.8

JOURNAL OF ECONOMICS AND BUSINESS Pub Date : 2024-03-01 DOI: 10.1016/j.jeconbus.2024.106186

Robert M. Hunt , Dubravka Ritter

引用次数: 0

Who is paying all these fees? An empirical analysis of bank account and credit card fees 谁在支付这些费用？银行账户和信用卡费用的实证分析

IF 3.8

JOURNAL OF ECONOMICS AND BUSINESS Pub Date : 2024-03-01 DOI: 10.1016/j.jeconbus.2023.106157

Oz Shy , Joanna Stavins

引用次数: 0

Heterogeneous unbanked households: Which types of households are more (or less) likely to open a bank account? 异质性无银行账户家庭：哪类家庭更有可能（或更不可能）开立银行账户？

IF 3.8

JOURNAL OF ECONOMICS AND BUSINESS Pub Date : 2024-03-01 DOI: 10.1016/j.jeconbus.2023.106156

Fumiko Hayashi, Aditi Routh, Ying Lei Toh

{"title":"Heterogeneous unbanked households: Which types of households are more (or less) likely to open a bank account?","authors":"Fumiko Hayashi, Aditi Routh, Ying Lei Toh","doi":"10.1016/j.jeconbus.2023.106156","DOIUrl":"10.1016/j.jeconbus.2023.106156","url":null,"abstract":"<div><p>Promoting bank account ownership is important because having a bank account is the foundation for households’ financial well-being. Unbanked households differ in their likelihood of opening a bank account, and understanding the factors associated with these differences can help policymakers and industry<span> stakeholders to tailor financial inclusion<span> strategies. This study examines which factors are associated with unbanked households that are more (or less) likely to open a bank account. We use data from the FDIC National Surveys of Unbanked and Underbanked Households and assess the likelihoods of opening a bank account for different groups of unbanked households divided based on their prior banking status and interest in having a bank account. Unbanked households that previously had a bank account and are interested in having a bank account are more likely to open an account. These households tend to be unemployed, more educated, and native born, to have access to digital technologies, to use alternative financial services, and to be unbanked because of unfavorable bank account features. In contrast, households that never had a bank account and are uninterested in a bank account are less likely to open an account. These households tend to be not in the labor force, less educated, of a racial minority, and foreign born, to lack access to digital technologies, and to rely heavily on cash. Moreover, they tend to distrust banks. Advancing financial inclusion for this group will require strategies to increase their trust in the financial services industry.</span></span></p></div>","PeriodicalId":47522,"journal":{"name":"JOURNAL OF ECONOMICS AND BUSINESS","volume":null,"pages":null},"PeriodicalIF":3.8,"publicationDate":"2024-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139056105","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 effect of minimum wages on consumer bankruptcy 最低工资对消费者破产的影响

IF 3.8

JOURNAL OF ECONOMICS AND BUSINESS Pub Date : 2024-03-01 DOI: 10.1016/j.jeconbus.2024.106171

Diego Legal , Eric R. Young

引用次数: 0

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

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 , Breno Braga , Signe-Mary McKernan , Mark Hayward , Elizabeth Millward , 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":null,"pages":null},"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 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 , Breno Braga , Kassandra Martinchek , 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 & 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":null,"pages":null},"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

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 : 2024-02-01 DOI: 10.1016/j.jeconbus.2024.106160

Ichiro Iwasaki, Xinxin Ma, S. Mizobata

引用次数: 0