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  1. A bigger house at the cost of an empty fridge?
    the effect of households' indebtedness on their consumption : micro-evidence using Belgian HFCS data
    Autor*in: Du Caju, Philip; Périlleux, Guillaume; Rycx, François; Tojerow, Ilan
    Erschienen: [2021]
    Verlag:  National Bank of Belgium, Brussels

    This paper investigates the potentially non-linear relation between households' indebtedness and their consumption between 2010 and 2014 in Belgium. To do so, we use panel data from the two waves of the Household Finance and Consumption Survey.... mehr

    Zugang:
    Verlag (kostenfrei)
    Verlag (kostenfrei)
    Resolving-System (kostenfrei)

    Standort:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signatur:
    DS 546
    Fernleihe:
    keine Fernleihe

     

    This paper investigates the potentially non-linear relation between households' indebtedness and their consumption between 2010 and 2014 in Belgium. To do so, we use panel data from the two waves of the Household Finance and Consumption Survey. Unlike previous studies, we find a negative effect of households' indebtedness on their consumption, even in the absence of any negative shock on their assets. Our findings suggest that, without such a shock, it is the day-to-day sustainability of the debt, rather than its overall sustainability, that leads households to reduce their consumption. To explore potential non-linearities in this effect, we perform a threshold analysis, whose results suggest that households should not have a debt-service-to-income ratio greater than 30% as this leads to a substantial reduction of their consumption. The effect appears to be robust to various specifications, including the inclusion of other European countries, to result from a trade-off between housing and consumption, and to be more prevalent among more fragile households.

     
    Export in Literaturverwaltung   RIS-Format
      BibTeX-Format
    Quelle: Verbundkataloge
    Sprache: Englisch
    Medientyp: Buch (Monographie)
    Format: Online
    Weitere Identifier:
    hdl: 10419/238184
    Schriftenreihe: Working paper research / National Bank of Belgium ; no 397 (March 2021)
    Schlagworte: Households; Indebtedness; Consumption; Debt-Service-to-Income; Non-linear Heterogeneous Effects
    Umfang: 1 Online-Ressource (circa 66 Seiten), Illustrationen
  2. A bigger house at the cost of an empty fridge?
    the effect of households' indebtedness on their consumption : microevidence using Belgian HFCS data
    Autor*in: Du Caju, Philip; Périlleux, Guillaume; Rycx, François; Tojerow, Ilan
    Erschienen: [2021]
    Verlag:  Institut de recherche économiques et sociales, UC Louvain, Louvain-la-Neuve

    Zugang:
    Verlag (kostenfrei)
    Resolving-System (kostenfrei)

    Standort:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signatur:
    VS 107
    Fernleihe:
    keine Fernleihe
    Export in Literaturverwaltung   RIS-Format
      BibTeX-Format
    Quelle: Verbundkataloge
    Sprache: Englisch
    Medientyp: Buch (Monographie)
    Format: Online
    Weitere Identifier:
    hdl: 2078.1/244545
    Schriftenreihe: LIDAM discussion paper IRES ; 2021, 08
    Schlagworte: Households; Indebtedness; Consumption; Debt-Service-to-Income; Non-linear Heterogeneous Effects
    Umfang: 1 Online-Ressource (circa 60 Seiten), Illustrationen
  3. A bigger house at the cost of an empty fridge?
    the effect of households' indebtedness on their consumption : micro-evidence using Belgian HFCS data
    Autor*in: Du Caju, Philip; Périlleux, Guillaume; Rycx, François; Tojerow, Ilan
    Erschienen: 2021
    Verlag:  Global Labor Organization (GLO), Essen

    This paper investigates the potentially non-linear relation between households' indebtedness and their consumption between 2010 and 2014 in Belgium, using panel data from the two waves of the Household Finance and Consumption Survey. Unlike previous... mehr

    Zugang:
    Verlag (kostenfrei)
    Resolving-System (kostenfrei)

    Standort:
    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
    Signatur:
    DS 565
    Fernleihe:
    keine Fernleihe

     

    This paper investigates the potentially non-linear relation between households' indebtedness and their consumption between 2010 and 2014 in Belgium, using panel data from the two waves of the Household Finance and Consumption Survey. Unlike previous studies, we find a negative effect of households' indebtedness on their consumption, even in the absence of negative shock on their assets. Our findings suggest that, without such a shock, it is the day-to-day sustainability of the debt, rather than its overall sustainability, that leads households to reduce their consumption. We perform as well a threshold analysis, whose results suggest that households should not have a debt-service-to-income ratio greater than 30%. The effect appears to be robust to various specifications, to result from a trade-off between housing and consumption, and to be more prevalent among more fragile households.

     
    Export in Literaturverwaltung   RIS-Format
      BibTeX-Format
    Quelle: Verbundkataloge
    Sprache: Englisch
    Medientyp: Buch (Monographie)
    Format: Online
    Weitere Identifier:
    hdl: 10419/232007
    Schriftenreihe: GLO discussion paper ; no. 799
    Schlagworte: Households; Indebtedness; Consumption; Debt-Service-to-Income; Non-linear Heterogeneous Effects
    Umfang: 1 Online-Ressource (circa 59 Seiten), Illustrationen