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For Better and for Worse? Effects of Access to High-Cost Consumer Credit
16 references·0 citing·46 second hop
For Better and for Worse? Effects of Access to High-Cost Consumer Credit (2016)For Better and for Worse? Effects of Acce…Payday Loan Choices and Consequences (2015)Payday Loan Choices and Conse…Debt literacy, financial experiences, and overindebtedness (2015)Debt literacy, financial expe…In Harm's Way? Payday Loan Access and Military Personnel Performance (2014)In Harm's Way? Payday Loan Ac…How Payday Credit Access Affects Overdrafts and Other Outcomes (2012)How Payday Credit Access Affe…The Real Costs of Credit Access: Evidence from the Payday Lending Market* (2011)The Real Costs of Credit Acce…Payday lenders: Heroes or villains? (2011)Payday lenders: Heroes or vil…Information Disclosure, Cognitive Biases, and Payday Borrowing (2011)Information Disclosure, Cogni…Exploiting Naïvete about Self-Control in the Credit Market (2010)Exploiting Naïvete about Self…Restricting consumer credit access: Household survey evidence on effects around the Oregon rate cap (2009)Restricting consumer credit a…Payday Loans, Uncertainty and Discounting: Explaining Patterns of Borrowing, Repayment, and Default (2008)Payday Loans, Uncertainty and…State lotteries and consumer behavior (2005)State lotteries and consumer …Doing It Now or Later (1999)Doing It Now or LaterGolden Eggs and Hyperbolic Discounting (1997)Golden Eggs and Hyperbolic Di…Permanent Income, Current Income, and Consumption: Evidence From Two Panel Data Sets (1996)Permanent Income, Current Inc…Stochastic Implications of the Life Cycle-Permanent Income Hypothesis: Theory and Evidence (1978)Stochastic Implications of th…A Theory of the Consumption Function (1958)A Theory of the Consumption F…Credit Rationing in Markets with Imperfect Information (1981)Estimating Discount Functions with Consumption Choices over the Lifecycle (2007)The Age of Reason: Financial Decisions over the Life-Cycle with Implications for Regulation (2009)Microcredit Under the Microscope: What Have We Learned in the Past Two Decades, and What Do We Need to Know? (2013)American Economic Review (2019)Toward a positive theory of consumer choice (1980)A Theory of Rational Addiction (1988)Anomalies: The Endowment Effect, Loss Aversion, and Status Quo Bias (1991)Discrete Choice Methods with Simulation (2001)Time Discounting and Time Preference: A Critical Review (2002)A Model of Reference-Dependent Preferences (2006)Myopia and Inconsistency in Dynamic Utility Maximization (1973)Specious reward: A behavioral theory of impulsiveness and impulse control. (1975)Anomalies in Intertemporal Choice: Evidence and an Interpretation (1992)Implications of rational inattention (2003)Does Culture Affect Economic Outcomes? (2006)Does Local Financial Development Matter? (2004)Expanding Credit Access: Using Randomized Supply Decisions to Estimate the Impacts (2009)Classification situations: Life-chances in the neoliberal era (2013)Household Finance (2021)Household Finance (2006)Financial Literacy and Stock Market Participation (2007)Planning and Financial Literacy: How Do Women Fare? (2008)The Economic Importance of Financial Literacy: Theory and Evidence (2014)PISA 2018 Assessment and Analytical Framework (2019)Financial literacy: A systematic review and bibliometric analysis (2020)An Illustration of a Pitfall in Estimating the Effects of Aggregate Variables on Micro Units (1990)On the practice of dichotomization of quantitative variables. (2002)Save More Tomorrow™: Using Behavioral Economics to Increase Employee Saving (2004)Regulating Consumer Financial Products: Evidence from Credit Cards * (2014)Savings by and for the Poor: A Research Review and Agenda (2014)Financial Dependence and Growth (1996)Econometric Analysis of Cross Section and Panel Data (2001)Presidential Address: Does Finance Benefit Society? (2015)Bank-Branch Supply, Financial Inclusion, and Wealth Accumulation (2019)World Development Report 2022: Finance for an Equitable Recovery (2022)Developments in the Measurement of Subjective Well-Being (2006)Nonresponse Rates and Nonresponse Bias in Household Surveys (2006)Microcredit in Theory and Practice: Using Randomized Credit Scoring for Impact Evaluation (2011)Fintech and household resilience to shocks: Evidence from digital loans in Kenya (2021)Trends and random walks in macroeconmic time series (1982)Testing for a Unit Root in Time Series Regression (1988)The Great Crash, the Oil Price Shock, and the Unit Root Hypothesis (1989)Social Security, Induced Retirement, and Aggregate Capital Accumulation (1974)The Adjustment of Consumption to Changing Expectations About Future Income (1981)Efficient Capital Markets: II (1991)
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References

  • 1997Golden Eggs and Hyperbolic Discounting6,117 cited
  • 1978Stochastic Implications of the Life Cycle-Permanent Income Hypothesis: Theory and Evidence3,581 cited
  • 1999Doing It Now or Later3,127 cited
  • 2015Debt literacy, financial experiences, and overindebtedness1,410 cited
  • 1958A Theory of the Consumption Function1,123 cited
  • 2011Information Disclosure, Cognitive Biases, and Payday Borrowing546 cited
  • 2011The Real Costs of Credit Access: Evidence from the Payday Lending Market*508 cited
  • 2010Exploiting Naïvete about Self-Control in the Credit Market418 cited
  • 2011Payday lenders: Heroes or villains?400 cited
  • 2009Restricting consumer credit access: Household survey evidence on effects around the Oregon rate cap269 cited
  • 1996Permanent Income, Current Income, and Consumption: Evidence From Two Panel Data Sets225 cited
  • 2015Payday Loan Choices and Consequences218 cited
  • 2005State lotteries and consumer behavior197 cited
  • 2014In Harm's Way? Payday Loan Access and Military Personnel Performance197 cited
  • 2012How Payday Credit Access Affects Overdrafts and Other Outcomes161 cited

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2008
Payday Loans, Uncertainty and Discounting: Explaining Patterns of Borrowing, Repayment, and Default
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