Global ETD Search
Search theses and dissertations gathered from participating repositories worldwide. Every result links back to the library that holds it. No account is needed.
Results
Showing 1 to 17 of 17 for “"Household Debt"”.
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South African household savings and the influence of financial liberalisation
Household savings performance has been of great interest to researchers as a result of its close association with supporting an environment conducive to investment and economic growth. South African savings rates have been declining with household savings showing a significant deterioration over …
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Indebted societies : modern labor markets, social policy, and everyday borrowing
Debt has become an essential part of families' daily lives in many countries. This dissertation examines under what circumstances credit markets replace the role of welfare states to address social risks and promote social mobility in advanced democracies. It sheds light on the socio-economic and …
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The dynamic effect of macroeconomic factors on housing prices: Evidence from South Africa
… rate, exchange rate-USDZAR, affordability, household debt to disposable income, unemployment rate, share prices (JSE ALL share index), foreign direct investment, and producer price index) over the 2000Q1-2019Q4 period. The study utilizes a vector error correction model (VECM) to estimate the …
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Three Essays on Labor
… by proposing a channel through which increasing household debt can lead to the decline of the labor share. Specifically, workers with lower net worth have lower reservation wages. Thus, workers in debt spend less time job-searching and accept lower-paying jobs. Focusing on the period between 1982 …
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Developments in the South African credit market and analysis on indebted consumers using NIDS data
Household debt measures provide vital information regarding society's financial wellbeing. This paper uses a comparative static analysis approach to evaluate total and consumer debt at the household level using two waves of NIDS data relating to the periods 2008 and 2012. The descriptive analysis …
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Essays in financial economics
… the role financial regulation can play in firm, household, and investor decision making. In the first chapter for households with homes worth less than the mortgage I test the effect of "household debt overhang" on their labor supply decisions. I utilize a new transaction-level dataset with …
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Essays in financial economics
… consequences of imperfect financial markets for households, small business and house prices. In the first chapter (co-authored with Meta Brown and Brandi Coates) we explore the effect of personal bankruptcy laws on household debt. Personal bankruptcy laws in the US, and many other countries, …
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Os reflexos da crise da zona do euro na participação política da população portuguesa no nível comunitário
… causing an economic slowdown, unemployment, household debt and even a boom in the number of people leaving their country in order to have better living conditions. The government responded to this situation with the implementation of austerity measures, witch have further worsened …
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Impact of migration costs, microcredit, and remittances on cross-border labour migration decisions: Evidence from a Cambodian household survey
… in this thesis. Using survey data from 422 households in three northern provinces of Cambodia, the thesis begins with an attempt to evaluate and quantify the monetary costs of migration and evaluate the impact of worker-paid migration costs on decision whether to migrate through legal and …
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The Impact of Private Capital Flows on South Africa's Developmental State Agenda in the Post-Apartheid Era
… Instead, portfolio investments drive excessive household debt, consumption and financial speculation. Moreover, private capital flows reinforce a non-developmental agenda by exacerbating the problem of unemployment, inequality, and poverty which are key developmental goals that South Africa seek …
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Consumption and Commodities: The Political Economy of Canada’s Growth Model
… States and United Kingdom, relying heavily on household consumption driven by household debt and house price appreciation. Drawing on macroeconomic data and policy documents, the dissertation shows how house-price-driven consumption growth has been facilitated by global interest rate dynamics, …
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Predictable Fluctuations in the Cross-Section and Time-Series of Asset Prices
… The first research project investigates household debt as a potential asset pricing factor. This research reveals that an increase in the level of household leverage places a strong and lasting negative effect on household consumption. The well-known consumption capital asset pricing …
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El problema del sobreendeudamiento de la persona física en España
… meet his or her financial commitments (excess of debt). The most recent legislative amendments still do not develop a procedure that satisfies all parties involved and, specially, consumers. Given this problem (the lack of specific rules), it has been convenient to analyse in this thesis the legal …
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TECHNOLOGIES, RISK AND BEHAVIOR IN REAL ESTATE
This thesis revolves around housing market and the energy consumption of housing sector. First essay examines how the mortgage payment obligations, determined by the housing market dynamics, affect the pricing kernel and influence the equity premium. Second essay examines how the online listing …
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Three Essays in Lending
… crisis, the first paper jointly analyzes households’ credit quality and home purchase behaviors, and the second paper analyzes the gap between households’ desired and outstanding debt levels. The focus of the first two papers is households because households were greatly affected by the …
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Three essays on debt pricing
… contains three chapters that study risky debt pricing. The first chapter studies defaultable consumer debt in general equilibrium. The second and third chapters study corporate debt in partial equilibrium. Below are the individual abstracts for each chapter. Chapter 1: What Drives the …
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From ambiguity to action: Rethinking the origins of shocks and crises
… metrics and less traditional indicators such as household debt-to-income ratios and insurance sector liquidity mismatches. To guide intervention timing, it introduces signal-based diagnostics and policy loss functions that visualize trade-offs between the risks of false positives and the risks of …