IDEAS home Printed from https://ideas.repec.org/f/c/pli1168.html
   My authors  Follow this author

Andres Liberman

Citations

Many of the citations below have been collected in an experimental project, CitEc, where a more detailed citation analysis can be found. These are citations from works listed in RePEc that could be analyzed mechanically. So far, only a minority of all works could be analyzed. See under "Corrections" how you can help improve the citation analysis.

Working papers

  1. Rajashri Chakrabarti & Vyacheslav Fos & Andres Liberman & Constantine Yannelis, 2020. "Tuition, Debt, and Human Capital," Staff Reports 912, Federal Reserve Bank of New York.

    Cited by:

    1. Sandra E. Black & Jeffrey T. Denning & Lisa J. Dettling & Sarena Goodman & Lesley J. Turner, 2023. "Taking It to the Limit: Effects of Increased Student Loan Availability on Attainment, Earnings, and Financial Well-Being," American Economic Review, American Economic Association, vol. 113(12), pages 3357-3400, December.
    2. Azmat Ghazala & Simion Ştefania, 2021. "Charging for Higher Education: Estimating the Impact on Inequality and Student Outcomes," The B.E. Journal of Economic Analysis & Policy, De Gruyter, vol. 21(1), pages 175-239, January.
    3. Matteo Binfarè & Kyle Zimmerschied, 2024. "The Role of Debt in Financing Higher Education," NBER Chapters, in: Financing Institutions of Higher Education, National Bureau of Economic Research, Inc.
    4. Lisa J. Dettling & Sarena Goodman & Sarah Reber, 2022. "Saving and Wealth Accumulation among Student Loan Borrowers: Implications for Retirement Preparedness," Finance and Economics Discussion Series 2022-019, Board of Governors of the Federal Reserve System (U.S.).
    5. Radhakrishnan Gopalan & Barton H. Hamilton & Jorge Sabat & David Sovich, 2024. "Aversion to Student Debt? Evidence from Low‐Wage Workers," Journal of Finance, American Finance Association, vol. 79(2), pages 1249-1295, April.

  2. Dobbie, Will & Liberman, Andres & Paravisini, Daniel & Pathania, Vikram, 2019. "Measuring Bias in Consumer Lending," Working Paper Series rwp19-029, Harvard University, John F. Kennedy School of Government.

    Cited by:

    1. Sabrina T. Howell & Theresa Kuchler & David Snitkof & Johannes Stroebel & Jun Wong, 2021. "Lender Automation and Racial Disparities in Credit Access," NBER Working Papers 29364, National Bureau of Economic Research, Inc.
    2. Baldazzi, Elisa & Biroli, Pietro & Della Giusta, Marina & Dubois, Florent, 2025. "Seeing Stereotypes," IZA Discussion Papers 17751, Institute of Labor Economics (IZA).
    3. Tobias Berg & Andreas Fuster & Manju Puri, 2021. "FinTech Lending," Swiss Finance Institute Research Paper Series 21-72, Swiss Finance Institute.
    4. Christophe Hurlin & Christophe P'erignon & S'ebastien Saurin, 2022. "The Fairness of Credit Scoring Models," Papers 2205.10200, arXiv.org, revised Feb 2024.
    5. Bertoletti, Lucía & Borraz, Fernando & Sanroman, Graciela, 2024. "Consumer Debt and Poverty: the Default Risk Gap," GLO Discussion Paper Series 1439, Global Labor Organization (GLO).
    6. Ivan A. Canay & Magne Mogstad & Jack Mountjoy, 2020. "On the Use of Outcome Tests for Detecting Bias in Decision Making," Working Papers 2020-125, Becker Friedman Institute for Research In Economics.
    7. Langenbucher, Katja, 2022. "Consumer credit in the age of AI: Beyond anti-discrimination law," LawFin Working Paper Series 42, Goethe University, Center for Advanced Studies on the Foundations of Law and Finance (LawFin).
    8. Nicola Branzoli & Ilaria Supino, 2020. "FinTech credit: a critical review of empirical research," Questioni di Economia e Finanza (Occasional Papers) 549, Bank of Italy, Economic Research and International Relations Area.
    9. Brock, J. Michelle & de Haas, Ralph, 2021. "Discriminatory Lending : Evidence from Bankers in the Lab," Other publications TiSEM c54f4f4f-3ad0-4d68-8962-d, Tilburg University, School of Economics and Management.
    10. J. Michelle Brock & Ralph De Haas, 2023. "Discriminatory Lending: Evidence from Bankers in the Lab," American Economic Journal: Applied Economics, American Economic Association, vol. 15(2), pages 31-68, April.
    11. Peter Ganong & Damon Jones & Pascal Noel & Diana Farrell & Fiona Greig & Chris Wheat, 2020. "Wealth, Race, and Consumption Smoothing of Typical Income Shocks," Working Papers 2020-49, Becker Friedman Institute for Research In Economics.
    12. Greenwald, Daniel L. & Howell, Sabrina T. & Li, Cangyuan & Yimfor, Emmanuel, 2024. "Regulatory arbitrage or random errors? Implications of race prediction algorithms in fair lending analysis," Journal of Financial Economics, Elsevier, vol. 157(C).
    13. David Thesmar & David Sraer & Lisa Pinheiro & Nick Dadson & Razvan Veliche & Paul Greenberg, 2019. "Combining the Power of Artificial Intelligence with the Richness of Healthcare Claims Data: Opportunities and Challenges," PharmacoEconomics, Springer, vol. 37(6), pages 745-752, June.
    14. Ströbel, Johannes & Howell, Sabrina & Kuchler, Theresa & Snitkof, David, 2021. "Racial Disparities in Access to Small Business Credit: Evidence from the Paycheck Protection Program," CEPR Discussion Papers 16623, C.E.P.R. Discussion Papers.
    15. Langenbucher, Katja, 2022. "Consumer credit in the age of AI: Beyond anti-discrimination law," SAFE Working Paper Series 369, Leibniz Institute for Financial Research SAFE.
    16. Salma Rhanoui, 2022. "Banking Goes Digital: The Main Determinants of the Clients Satisfaction and Trust toward Fintech-Based Services," International Journal of Economics and Financial Issues, Econjournals, vol. 12(5), pages 10-20, September.
    17. Ryan M. Goodstein & Alicia Lloro & Sherrie L.W. Rhine & Jeffrey M. Weinstein, 2021. "What accounts for racial and ethnic differences in credit use?," Journal of Consumer Affairs, Wiley Blackwell, vol. 55(2), pages 389-416, June.
    18. Hoang, Daniel & Wiegratz, Kevin, 2022. "Machine learning methods in finance: Recent applications and prospects," Working Paper Series in Economics 158, Karlsruhe Institute of Technology (KIT), Department of Economics and Management.
    19. Brock, J. Michelle & de Haas, Ralph, 2021. "Discriminatory Lending : Evidence from Bankers in the Lab," Other publications TiSEM 12af373a-8e1a-46dd-afd4-a, Tilburg University, School of Economics and Management.
    20. Laura Blattner & Scott Nelson, 2021. "How Costly is Noise? Data and Disparities in Consumer Credit," Papers 2105.07554, arXiv.org.
    21. Nicolás Grau & Damián Vergara, "undated". "A Simple Test for Prejudice in Decision Processes: The Prediction-Based Outcome Test," Working Papers wp493, University of Chile, Department of Economics.
    22. Andres Liberman & Christopher Neilson & Luis Opazo & Seth Zimmerman, 2018. "The Equilibrium Effects of Information Deletion: Evidence from Consumer Credit Markets," NBER Working Papers 25097, National Bureau of Economic Research, Inc.
    23. Alperovych, Yan & Divakaruni, Anantha & Le Grand, François, 2022. "FinTech Lending under Austerity," SocArXiv atsk9, Center for Open Science.
    24. Elisa Baldazzi & Pietro Biroli & Marina Della Giusta & Florent Dubois, 2025. "Seeing Stereotypes," CESifo Working Paper Series 11730, CESifo.
    25. Laeven, Luc & Boot, Arnoud & Hoffmann, Peter & Ratnovski, Lev, 2020. "Financial Intermediation and Technology: What’s Old, What’s New?," CEPR Discussion Papers 15004, C.E.P.R. Discussion Papers.
    26. Hadi Elzayn & Simon Freyaldenhoven & Ryan Kobler & Minchul Shin, 2025. "Measuring Fairness in the U.S. Mortgage Market," Working Papers 25-04, Federal Reserve Bank of Philadelphia.
    27. Divakaruni, Anantha & Alperovych, Yan & Le Grand, François, 2022. "FinTech Lending under Austerity," OSF Preprints m4tps_v1, Center for Open Science.
    28. Elisa Macchi, 2022. "Worth your weight: experimental evidence on the benefits of obesity in low-income countries," ECON - Working Papers 401, Department of Economics - University of Zurich.
    29. Andres Liberman & Christopher A. Neilson & Luis Opazo & Seth Zimmerman, 2019. "Equilibrium Effects of Asymmetric Information on Consumer Credit Markets," Working Papers 2019-7, Princeton University. Economics Department..
    30. Alperovych, Yan & Divakaruni, Anantha & Le Grand, François, 2022. "FinTech Lending under Austerity," SocArXiv atsk9_v1, Center for Open Science.
    31. Yidi Liu & Xin Li & Zhiqiang (Eric) Zheng, 2024. "Smart Natural Disaster Relief: Assisting Victims with Artificial Intelligence in Lending," Information Systems Research, INFORMS, vol. 35(2), pages 489-504, June.
    32. Boot, Arnoud & Hoffmann, Peter & Laeven, Luc & Ratnovski, Lev, 2021. "Fintech: what’s old, what’s new?," Journal of Financial Stability, Elsevier, vol. 53(C).
    33. Hagendorff, Jens & Nguyen, Duc Duy & Sila, Vathunyoo, 2022. "Does marriage equality promote credit access? Evidence from same-sex marriage laws," Journal of Corporate Finance, Elsevier, vol. 77(C).
    34. Jackson P. Lautier & Vladimir Pozdnyakov & Jun Yan, 2022. "On the Convergence of Credit Risk in Current Consumer Automobile Loans," Papers 2211.09176, arXiv.org, revised Jan 2024.
    35. Wang, Yang & Xiuping, Sui & Zhang, Qi, 2021. "Can fintech improve the efficiency of commercial banks? —An analysis based on big data," Research in International Business and Finance, Elsevier, vol. 55(C).
    36. Ajit Desai, 2023. "Machine learning for economics research: when, what and how," Staff Analytical Notes 2023-16, Bank of Canada.
    37. Divakaruni, Anantha & Alperovych, Yan & Le Grand, François, 2022. "FinTech Lending under Austerity," OSF Preprints m4tps, Center for Open Science.
    38. Hannes Ullrich & Michael Allan Ribers, 2023. "Machine predictions and human decisions with variation in payoffs and skill: the case of antibiotic prescribing," Berlin School of Economics Discussion Papers 0027, Berlin School of Economics.
    39. Xiyang Hu & Yan Huang & Beibei Li & Tian Lu, 2022. "Uncovering the Source of Machine Bias," Papers 2201.03092, arXiv.org.
    40. Anastasia Cozarenco & Ariane Szafarz, 2024. "How to identify lending bias when the lender's goal is not profit?," Working Papers CEB 24-007, ULB -- Universite Libre de Bruxelles.
    41. Andrés Alonso Robisco & José Manuel Carbó Martínez, 2022. "Measuring the model risk-adjusted performance of machine learning algorithms in credit default prediction," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 8(1), pages 1-35, December.

  3. Andres Liberman & Christopher Neilson & Luis Opazo & Seth Zimmerman, 2018. "The Equilibrium Effects of Information Deletion: Evidence from Consumer Credit Markets," NBER Working Papers 25097, National Bureau of Economic Research, Inc.

    Cited by:

    1. Christian Posso & Jorge Tamayo & Arlen Guarin & Estefania Saravia, 2024. "Luck of the Draw: The Causal Effect of Physicians on Birth Outcomes," Borradores de Economia 1269, Banco de la Republica de Colombia.
    2. Liberman, Andres & Paravisini, Daniel & Pathania, Vikram, 2021. "High-cost debt and perceived creditworthiness: Evidence from the UK," Journal of Financial Economics, Elsevier, vol. 142(2), pages 719-736.
    3. Carlos Madeira, 2020. "The impact of information laws on consumer credit access: evidence from Chile," Working Papers Central Bank of Chile 873, Central Bank of Chile.
    4. Bianchi, Milo & Bouvard, Matthieu & Gomes, Renato & Rhodes, Andrew & Shreeti, Vatsala, 2023. "Mobile payments and interoperability: Insights from the academic literature," Information Economics and Policy, Elsevier, vol. 65(C).
    5. Darmouni, Olivier & Sutherland, Andrew, 2018. "Learning about Competitors: Evidence from SME Lending," MPRA Paper 93668, University Library of Munich, Germany.
    6. Laura Blattner & Scott Nelson, 2021. "How Costly is Noise? Data and Disparities in Consumer Credit," Papers 2105.07554, arXiv.org.
    7. Liberti, José & Sturgess, Jason & Sutherland, Andrew, 2022. "How voluntary information sharing systems form: Evidence from a U.S. commercial credit bureau," Journal of Financial Economics, Elsevier, vol. 145(3), pages 827-849.
    8. Nicolás de Roux, 2021. "Exogenous shocks, credit reports and access to credit: Evidence from colombian coffee producers," Documentos CEDE 19769, Universidad de los Andes, Facultad de Economía, CEDE.
    9. C. Cahn & M. Girotti & A. Landier, 2017. "Entrepreneurship and Information on Past Failures: A Natural Experiment," Working papers 644, Banque de France.

  4. Andrew Hertzberg & Andres Liberman & Daniel Paravisini, 2018. "Screening on Loan Terms: Evidence from Maturity Choice in Consumer Credit," Working Papers 18-5, Federal Reserve Bank of Philadelphia.

    Cited by:

    1. Kräussl, Roman & Kräussl, Zsofia & Pollet, Joshua & Rinne, Kalle, 2024. "The performance of marketplace lenders," Journal of Banking & Finance, Elsevier, vol. 162(C).
    2. Satyajit Chatterjee & Dean Corbae & Kyle Dempsey & José-Víctor Ríos-Rull, 2020. "A Quantitative Theory of the Credit Score," Working Papers 770, Federal Reserve Bank of Minneapolis.
    3. DeFusco, Anthony A. & Tang, Huan & Yannelis, Constantine, 2022. "Measuring the welfare cost of asymmetric information in consumer credit markets," Journal of Financial Economics, Elsevier, vol. 146(3), pages 821-840.
    4. Andrew Grant & Luke Deer, 2020. "Consumer marketplace lending in Australia: Credit scores and loan funding success," Australian Journal of Management, Australian School of Business, vol. 45(4), pages 607-623, November.
    5. Jaiswal, Sreeja & Balietti, Anca & Schäffer, Daniel, 2023. "Environmental Protection and Labor Market Composition," Working Papers 0736, University of Heidelberg, Department of Economics.
    6. Arpit Gupta & Christopher Hansman, 2022. "Selection, Leverage, and Default in the Mortgage Market," The Review of Financial Studies, Society for Financial Studies, vol. 35(2), pages 720-770.
    7. Lukas, Moritz & Nöth, Markus, 2021. "Interest rate fixation periods and reference points," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 94(C).
    8. Bronson Argyle & Taylor D. Nadauld & Christopher Palmer & Ryan D. Pratt, 2018. "The Capitalization of Consumer Financing into Durable Goods Prices," NBER Working Papers 24699, National Bureau of Economic Research, Inc.
    9. Braggion, Fabio & Manconi, Alberto & Pavanini, Nicola & Zhu, Haikun, 2022. "The Value of Financial Intermediation: Evidence from Online Debt Crowdfunding," CEPR Discussion Papers 14740, C.E.P.R. Discussion Papers.
    10. Serena Gallo, 2021. "Fintech platforms: Lax or careful borrowers’ screening?," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 7(1), pages 1-33, December.
    11. Croux, Christophe & Jagtiani, Julapa & Korivi, Tarunsai & Vulanovic, Milos, 2020. "Important factors determining Fintech loan default: Evidence from a lendingclub consumer platform," Journal of Economic Behavior & Organization, Elsevier, vol. 173(C), pages 270-296.
    12. Elizabeth C. Klee & Adair Morse & Chaehee Shin, 2024. "Auto Finance in the Electric Vehicle Transition," Finance and Economics Discussion Series 2024-065, Board of Governors of the Federal Reserve System (U.S.).
    13. Xin Zhang & Christoph Bertsch & Isaiah Hull, 2017. "Monetary Normalizations and Consumer Credit: Evidence from Fed Liftoff and Online Lending," 2017 Meeting Papers 442, Society for Economic Dynamics.
    14. Mikhed, Vyacheslav & Raina, Sahil & Scholnick, Barry & Zhang, Man, 2024. "Debtor income manipulation in consumer credit contracts," Journal of Financial Economics, Elsevier, vol. 157(C).
    15. Darmouni, Olivier & Sutherland, Andrew, 2018. "Learning about Competitors: Evidence from SME Lending," MPRA Paper 93668, University Library of Munich, Germany.
    16. Vives, Xavier & Ye, Zhiqiang, 2025. "Information technology and lender competition," Journal of Financial Economics, Elsevier, vol. 163(C).
    17. J. Christina Wang, 2018. "Technology, the nature of information, and fintech marketplace lending," Current Policy Perspectives 18-3, Federal Reserve Bank of Boston.
    18. Bradley Katcher & Geng Li & Alvaro Mezza & Steve Ramos, 2024. "One Month Longer, One Month Later? Prepayments in the Auto Loan Market," Finance and Economics Discussion Series 2024-056, Board of Governors of the Federal Reserve System (U.S.).
    19. Slava Mikhed & Sahil Raina & Barry Scholnick & Man Zhang, 2022. "Debtor Fraud in Consumer Debt Renegotiation," Working Papers 22-35, Federal Reserve Bank of Philadelphia.
    20. Tetyana Balyuk, 2023. "FinTech Lending and Bank Credit Access for Consumers," Management Science, INFORMS, vol. 69(1), pages 555-575, January.
    21. Baumöhl, Eduard & Lyócsa, Štefan & Vašaničová, Petra, 2024. "Macroeconomic environment and the future performance of loans: Evidence from three peer-to-peer platforms," International Review of Financial Analysis, Elsevier, vol. 95(PB).
    22. Liu, Lu, 2023. "The demand for long-term mortgage contracts and the role of collateral," Bank of England working papers 1009, Bank of England.
    23. Ferrari, Alessandro & Loseto, Marco, 2023. "Liquidity constraints and demand for maturity the case of mortgages," Working Paper Series 2859, European Central Bank.
    24. Banerjee, Ameet Kumar & Pradhan, H.K. & Sensoy, Ahmet & Goodell, John W., 2024. "Assessing the US financial sector post three bank collapses: Signals from fintech and financial sector ETFs," International Review of Financial Analysis, Elsevier, vol. 91(C).
    25. Biancini, Sara & Verdier, Marianne, 2023. "Bank-platform competition in the credit market," International Journal of Industrial Organization, Elsevier, vol. 91(C).
    26. Jiang, Jinglin & Liao, Li & Wang, Zhengwei & Zhang, Xiaoyan, 2021. "Government Affiliation and Peer-To-Peer Lending Platforms in China," Journal of Empirical Finance, Elsevier, vol. 62(C), pages 87-106.
    27. Fuster, Andreas & Schelling, Tan & Towbin, Pascal, 2024. "Tiers of joy? Reserve tiering and bank behavior in a negative-rate environment," Journal of Monetary Economics, Elsevier, vol. 148(C).
    28. Li, Lei & Loutskina, Elena & Strahan, Philip E., 2023. "Deposit market power, funding stability and long-term credit," Journal of Monetary Economics, Elsevier, vol. 138(C), pages 14-30.
    29. Liu, Lu, 2023. "The demand for long-term mortgage contracts and the role of collateral," ESRB Working Paper Series 142, European Systemic Risk Board.
    30. Xudong An & Lawrence R. Cordell & Sharon Tang, 2020. "Extended Loan Terms and Auto Loan Default Risk," Working Papers 20-18, Federal Reserve Bank of Philadelphia.
    31. Hennessy, Christopher A. & Chemla, Gilles, 2022. "Signaling, instrumentation, and CFO decision-making," Journal of Financial Economics, Elsevier, vol. 144(3), pages 849-863.
    32. Olivier Darmouni, 2020. "Informational Frictions and the Credit Crunch," Journal of Finance, American Finance Association, vol. 75(4), pages 2055-2094, August.
    33. Angelo D'Andrea & Nicola Limodio, 2019. "High-Speed Internet, Financial Technology and Banking in Africa," BAFFI CAREFIN Working Papers 19124, BAFFI CAREFIN, Centre for Applied Research on International Markets Banking Finance and Regulation, Universita' Bocconi, Milano, Italy.
    34. Jason Donaldson & Denis Gromb & Giorgia Piacentino, 2019. "Conflicting Priorities: A Theory of Covenants and Collateral," 2019 Meeting Papers 157, Society for Economic Dynamics.
    35. Chava, Sudheer & Ganduri, Rohan & Paradkar, Nikhil & Zhang, Yafei, 2021. "Impact of marketplace lending on consumers’ future borrowing capacities and borrowing outcomes," Journal of Financial Economics, Elsevier, vol. 142(3), pages 1186-1208.
    36. Thomas J. Chemmanur & Michael B. Imerman & Harshit Rajaiya & Qianqian Yu, 2020. "Recent Developments In The Fintech Industry," Journal of Financial Management, Markets and Institutions (JFMMI), World Scientific Publishing Co. Pte. Ltd., vol. 8(01), pages 1-31, June.
    37. Taburet, Arthur & Polo, Alberto & Vo, Quynh-Anh, 2024. "Screening using a menu of contracts: a structural model of lending markets," Bank of England working papers 1057, Bank of England.
    38. Agnese Carella & Valentina Michelangeli, 2021. "Information or persuasion in the mortgage market: the role of brand names," Temi di discussione (Economic working papers) 1340, Bank of Italy, Economic Research and International Relations Area.
    39. Jose Renato Haas Ornelas & Alexandre Reggi Pecora, 2022. "Does Fintech Lending Lower Financing Costs? Evidence From An Emerging Market," Working Papers Series 571, Central Bank of Brazil, Research Department.

  5. Marieke Bos & Emily Breza & Andres Liberman, 2016. "The Labor Market Effects of Credit Market Information," NBER Working Papers 22436, National Bureau of Economic Research, Inc.

    Cited by:

    1. N. Luotonen & V. Puttonen & E. Rantapuska, 2022. "Ability, Educational Attainment, and Household Financial Distress," Journal of Consumer Policy, Springer, vol. 45(4), pages 655-672, December.
    2. Kristle Romero Cortes & Andrew Glover & Murat Tasci, 2020. "The Unintended Consequences of Employer Credit Check Bans for Labor Markets," Research Working Paper RWP 20-04, Federal Reserve Bank of Kansas City.
    3. Card, David & Colella, Fabrizio & Lalive, Rafael, 2021. "Gender Preferences in Job Vacancies and Workplace Gender Diversity," IZA Discussion Papers 14758, Institute of Labor Economics (IZA).
    4. Jean-Noël Barrot & Erik Loualiche & Matthew Plosser & Julien Sauvagnat, 2017. "Import competition and household debt," Staff Reports 821, Federal Reserve Bank of New York.
    5. Sergey Kovbasyuk & Giancarlo Spagnolo, 2021. "Memory And Markets," Working Papers w0284, New Economic School (NES).
    6. Will Dobbie & Paul Goldsmith-Pinkham & Neale Mahoney & Jae Song, 2016. "Bad Credit, No Problem? Credit and Labor Market Consequences of Bad Credit Reports," Working Papers 605, Princeton University, Department of Economics, Industrial Relations Section..
    7. Giacomo De Giorgi & Costanza Naguib, 2023. "Life after (Soft) Default," Papers 2306.00574, arXiv.org, revised Apr 2024.
    8. Notheisen, Benedikt & Weinhardt, Christof, 2019. "The blockchain, plums, and lemons: Information asymmetries & transparency in decentralized markets," Working Paper Series in Economics 130, Karlsruhe Institute of Technology (KIT), Department of Economics and Management.
    9. Barboni, Giorgia & Cardenas, Juan Camilo & de Roux, Nicolas, 2022. "Behavioral Messages and Debt Repayment," CAGE Online Working Paper Series 633, Competitive Advantage in the Global Economy (CAGE).
    10. Lahiri, Bidisha & Daramola, Richard, 2023. "Effects of credit and labor constraints on microenterprises and the unintended impact of changes in household endowments: Use of threshold estimation to detect heterogeneity," The Quarterly Review of Economics and Finance, Elsevier, vol. 88(C), pages 21-38.
    11. Angelo D'Andrea & Patrick Hitayezu & Kangni Kpodar & Nicola Limodio & Andrea F. Presbitero, 2024. "Mobile internet, collateral and banking," Temi di discussione (Economic working papers) 1454, Bank of Italy, Economic Research and International Relations Area.
    12. James C. Cox & Daniel Kreisman & Susan Dynarski, 2018. "Designed to Fail: Effects of the Default Option and Information Complexity on Student Loan Repayment," NBER Working Papers 25258, National Bureau of Economic Research, Inc.
    13. Aymeric Bellon & J. Anthony Cookson & Erik P. Gilje & Rawley Z. Heimer, 2020. "Personal Wealth and Self-Employment," NBER Working Papers 27452, National Bureau of Economic Research, Inc.
    14. Kuhn, Peter J. & Shen, Kailing, 2021. "What Happens When Employers Can No Longer Discriminate in Job Ads?," IZA Discussion Papers 14618, Institute of Labor Economics (IZA).
    15. Tali Bank & Nimrod Segev & Maya Shaton, 2023. "Relationship Banking and Credit Scores: Evidence from a Natural Experiment," Bank of Israel Working Papers 2023.05, Bank of Israel.
    16. Brian Jonghwan Lee, 2024. "Bankruptcy Lawyers and Credit Recovery," Working Papers 24-10, Federal Reserve Bank of Philadelphia.
    17. Dean Corbae & Andy Glover, 2018. "Employer Credit Checks: Poverty Traps versus Matching Efficiency," Working Papers 2018-063, Human Capital and Economic Opportunity Working Group.
    18. Mueller, Holger M. & Yannelis, Constantine, 2019. "The rise in student loan defaults," Journal of Financial Economics, Elsevier, vol. 131(1), pages 1-19.
    19. Nicolás de Roux, 2021. "Exogenous shocks, credit reports and access to credit: Evidence from colombian coffee producers," Documentos CEDE 19769, Universidad de los Andes, Facultad de Economía, CEDE.
    20. C. Cahn & M. Girotti & A. Landier, 2017. "Entrepreneurship and Information on Past Failures: A Natural Experiment," Working papers 644, Banque de France.
    21. Herkenhoff, Kyle & Phillips, Gordon M. & Cohen-Cole, Ethan, 2021. "The impact of consumer credit access on self-employment and entrepreneurship," Journal of Financial Economics, Elsevier, vol. 141(1), pages 345-371.
    22. Ballance, Joshua & Clifford, Robert & Shoag, Daniel, 2020. "“No more credit score”: Employer credit check bans and signal substitution," Labour Economics, Elsevier, vol. 63(C).
    23. van Bekkum, Sjoerd & Gabarro, Marc & Irani, Rustom M. & Peydró, José-Luis, 2024. "The real effects of borrower-based macroprudential policy: Evidence from administrative household-level data," Journal of Monetary Economics, Elsevier, vol. 147(S).
    24. Majlesi, Kaveh & Molin, Elin & Roth, Paula, 2024. "Severe Health Shocks and Financial Well-Being," CINCH Working Paper Series (since 2020) 82497, Duisburg-Essen University Library, DuEPublico.
    25. de Bruijn, Ernst-Jan & Vethaak, Heike & Koning, Pierre & Knoef, Marike, 2023. "Debt Relief for the Financially Vulnerable: Impact on Employment, Welfare Receipt, and Mental Health," IZA Discussion Papers 16336, Institute of Labor Economics (IZA).

Articles

  1. Rajashri Chakrabarti & Vyacheslav Fos & Andres Liberman & Constantine Yannelis & Tarun Ramadorai, 2023. "Tuition, Debt, and Human Capital," The Review of Financial Studies, Society for Financial Studies, vol. 36(4), pages 1667-1702.
    See citations under working paper version above.
  2. Liberman, Andres & Paravisini, Daniel & Pathania, Vikram, 2021. "High-cost debt and perceived creditworthiness: Evidence from the UK," Journal of Financial Economics, Elsevier, vol. 142(2), pages 719-736.

    Cited by:

    1. Zibei Chen & Terri Friedline & Catherine M. Lemieux, 2022. "A National Examination on Payday Loan Use and Financial Well-being: a propensity score matching Approach," Journal of Family and Economic Issues, Springer, vol. 43(4), pages 678-689, December.
    2. Barboni, Giorgia & Cardenas, Juan Camilo & de Roux, Nicolas, 2022. "Behavioral Messages and Debt Repayment," CAGE Online Working Paper Series 633, Competitive Advantage in the Global Economy (CAGE).
    3. Tetyana Balyuk, 2023. "FinTech Lending and Bank Credit Access for Consumers," Management Science, INFORMS, vol. 69(1), pages 555-575, January.

  3. Will Dobbie & Andres Liberman & Daniel Paravisini & Vikram Pathania, 2021. "Measuring Bias in Consumer Lending [Loan Prospecting and the Loss of Soft Information]," The Review of Economic Studies, Review of Economic Studies Ltd, vol. 88(6), pages 2799-2832.
    See citations under working paper version above.
  4. Marieke Bos & Emily Breza & Andres Liberman, 2018. "The Labor Market Effects of Credit Market Information," The Review of Financial Studies, Society for Financial Studies, vol. 31(6), pages 2005-2037.
    See citations under working paper version above.
  5. Andrew Hertzberg & Andres Liberman & Daniel Paravisini, 2018. "Screening on Loan Terms: Evidence from Maturity Choice in Consumer Credit," The Review of Financial Studies, Society for Financial Studies, vol. 31(9), pages 3532-3567.
    See citations under working paper version above.
  6. Emily Breza & Andres Liberman, 2017. "Financial Contracting and Organizational Form: Evidence from the Regulation of Trade Credit," Journal of Finance, American Finance Association, vol. 72(1), pages 291-324, February.

    Cited by:

    1. Lorenzo Casaburi & Rocco Macchiavello, 2019. "Demand and Supply of Infrequent Payments as a Commitment Device: Evidence from Kenya," American Economic Review, American Economic Association, vol. 109(2), pages 523-555, February.
    2. Matthieu Teachout & Christopher Hansman & Jonas Hjort & Gianmarco León-Ciliotta, 2017. "Vertical Integration, Supplier Behavior, and Quality Upgrading among Exporters," Working Papers 961, Barcelona School of Economics.
    3. Blouin, Arthur & Macchiavello, Rocco, 2018. "Strategic Default in the International Coffee Market," CAGE Online Working Paper Series 369, Competitive Advantage in the Global Economy (CAGE).
    4. Daisuke TSURUTA & Hirofumi UCHIDA, 2021. "Does Trade Credit Absorb Adverse Shocks?," Discussion papers 21089, Research Institute of Economy, Trade and Industry (RIETI).
    5. Dimas Mateus Fazio & Thiago Christiano Silva & Janis Skrastins, 2020. "Economic Resilience: spillovers, courts, and vertical integration," Working Papers Series 531, Central Bank of Brazil, Research Department.
    6. Panagiotis Avramidis & George Pennacchi & Konstantinos Serfes & Kejia Wu, 2022. "The Role of Regulation and Bank Competition in Small Firm Financing: Evidence from the Community Reinvestment Act," Working Papers 22-06, Federal Reserve Bank of Philadelphia.
    7. María Angélica Arbeláez & Alejandro Becerra & Francisco Fernández & David Forero, 2019. "El sector comercio en Colombia y el crédito de proveedores," Informes de Investigación 17610, Fedesarrollo.
    8. Cheng, Yuxiang & Wen, Fenghua & Wang, Yiming & Olson, David L., 2023. "Who should finance the supply chain? Impact of accounts receivable mortgage on supply chain decision," International Journal of Production Economics, Elsevier, vol. 261(C).
    9. Cathcart, Lara & Dufour, Alfonso & Rossi, Ludovico & Varotto, Simone, 2020. "The differential impact of leverage on the default risk of small and large firms," Journal of Corporate Finance, Elsevier, vol. 60(C).
    10. Ersahin, Nuri & Giannetti, Mariassunta & Huang, Ruidi, 2024. "Trade credit and the stability of supply chains," Journal of Financial Economics, Elsevier, vol. 155(C).
    11. Silaghi, Florina & Moraux, Franck, 2022. "Trade credit contracts: Design and regulation," European Journal of Operational Research, Elsevier, vol. 296(3), pages 980-992.
    12. Greta Falavigna & Roberto Ippoliti, 2022. "Financial constraints, investments, and environmental strategies: An empirical analysis of judicial barriers," Business Strategy and the Environment, Wiley Blackwell, vol. 31(5), pages 2002-2018, July.
    13. Manuel Adelino & Miguel A. Ferreira & Mariassunta Giannetti & Pedro Pires, 2022. "Trade credit and the transmission of unconventional monetary policy," Nova SBE Working Paper Series wp650, Universidade Nova de Lisboa, Nova School of Business and Economics.
    14. Shang, Chenguang, 2020. "Trade credit and stock liquidity," Journal of Corporate Finance, Elsevier, vol. 62(C).
    15. Tsuruta, Daisuke & Uchida, Hirofumi, 2019. "The real driver of trade credit," Pacific-Basin Finance Journal, Elsevier, vol. 57(C).
    16. Jean‐Noël Barrot & Ramana Nanda, 2020. "The Employment Effects of Faster Payment: Evidence from the Federal Quickpay Reform," Journal of Finance, American Finance Association, vol. 75(6), pages 3139-3173, December.
    17. Vivek Astvansh & Niket Jindal, 2022. "Differential Effects of Received Trade Credit and Provided Trade Credit on Firm Value," Production and Operations Management, Production and Operations Management Society, vol. 31(2), pages 781-798, February.
    18. Casaburi, Lorenzo & Macchiavello, Rocco, 2018. "Firm and Market Response to Saving Constraints: Evidence from the Kenyan Dairy Industry," CAGE Online Working Paper Series 367, Competitive Advantage in the Global Economy (CAGE).
    19. Liu, Guangqiang & Wang, Shenghua, 2023. "Digital transformation and trade credit provision: Evidence from China," Research in International Business and Finance, Elsevier, vol. 64(C).
    20. Chang, Chong-Chuo & Chen, Hsien-Yi & Mon, Khin Thiri, 2024. "Impact of economic policy uncertainty on the firm's working capital requirements," Pacific-Basin Finance Journal, Elsevier, vol. 86(C).
    21. Maurizio Conti & Leandro Elia & Antonella Rita Ferrara & Massimiliano Ferraresi, 2020. "Government late payments and firms survival. Evidence from the EU," Working papers 87, Società Italiana di Economia Pubblica.
    22. Mariassunta Giannetti & Nicolas Serrano-Velarde & Emanuele Tarantino, 2018. "Cheap Trade Credit and Competition in Downstream Markets," CRC TR 224 Discussion Paper Series crctr224_2018_062, University of Bonn and University of Mannheim, Germany.
    23. P. Beaumont, 2017. "Time is Money: Cash-Flow Risk and Export Market Behavior," Documents de Travail de l'Insee - INSEE Working Papers g2017-10, Institut National de la Statistique et des Etudes Economiques.
    24. Jia, Fu & Blome, Constantin & Sun, Hui & Yang, Yang & Zhi, Bangdong, 2020. "Towards an integrated conceptual framework of supply chain finance: An information processing perspective," International Journal of Production Economics, Elsevier, vol. 219(C), pages 18-30.
    25. Kershen Huang & Chenguang Shang & Chi Zhang, 2021. "Working hard for long‐distance relationships: Geographic proximity and relationship‐specific investments," Financial Management, Financial Management Association International, vol. 50(4), pages 985-1011, December.
    26. Dbouk, Wassim & Moussawi-Haidar, Lama & Jaber, Mohamad Y., 2020. "The effect of economic uncertainty on inventory and working capital for manufacturing firms," International Journal of Production Economics, Elsevier, vol. 230(C).
    27. Cheung, Adrian (Waikong) & Pok, Wee Ching, 2019. "Corporate social responsibility and provision of trade credit," Journal of Contemporary Accounting and Economics, Elsevier, vol. 15(3).
    28. Thang Bach & Charles Harvie & Thanh Le, 2021. "How credit constraints affect small and medium enterprises' strategic employment decisions and employees' labour outcomes: Evidence from Vietnam1," Economics of Transition and Institutional Change, John Wiley & Sons, vol. 29(2), pages 319-341, April.
    29. Jean-Noel Barrot & Ramana Nanda, 2016. "Can Paying Firms Quicker Affect Aggregate Employment?," NBER Working Papers 22420, National Bureau of Economic Research, Inc.
    30. Tarkom, Augustine & Yang, Lukai, 2024. "Presidential economic approval rating and trade credit," International Review of Financial Analysis, Elsevier, vol. 93(C).
    31. Jody Grewal & Aditya Mohan & Gerardo Pérez‐Cavazos, 2024. "Payment Practices Transparency and Customer‐Supplier Dynamics," Journal of Accounting Research, Wiley Blackwell, vol. 62(2), pages 635-674, May.
    32. Costello, Anna M., 2019. "The value of collateral in trade finance," Journal of Financial Economics, Elsevier, vol. 134(1), pages 70-90.

  7. Liberman, Andres, 2016. "The value of a good credit reputation: Evidence from credit card renegotiations," Journal of Financial Economics, Elsevier, vol. 120(3), pages 644-660.

    Cited by:

    1. Brown, Martin & Schmitz, Jan & Zehnder, Christian, 2024. "Communication and hidden action: A credit market experiment," Journal of Economic Behavior & Organization, Elsevier, vol. 218(C), pages 423-455.
    2. Marieke Bos & Leonard I. Nakamura, 2014. "Should defaults be forgotten? Evidence from variation in removal of negative consumer credit information," Working Papers 14-21, Federal Reserve Bank of Philadelphia.
    3. Sarena Goodman & Adam Isen & Constantine Yannelis, 2018. "A Day Late and a Dollar Short : Liquidity and Household Formation among Student Borrowers," Finance and Economics Discussion Series 2018-025, Board of Governors of the Federal Reserve System (U.S.).
    4. Liberman, Andres & Paravisini, Daniel & Pathania, Vikram, 2021. "High-cost debt and perceived creditworthiness: Evidence from the UK," Journal of Financial Economics, Elsevier, vol. 142(2), pages 719-736.
    5. C. Badarinza & V. Balasubramaniam & T. Ramadorai, 2019. "The Household Finance Landscape in Emerging Economies," Annual Review of Financial Economics, Annual Reviews, vol. 11(1), pages 109-129, December.
    6. Carlos Madeira, 2020. "The impact of information laws on consumer credit access: evidence from Chile," Working Papers Central Bank of Chile 873, Central Bank of Chile.
    7. Leonardo Bursztyn & Stefano Fiorin & Daniel Gottlieb & Martin Kanz, 2019. "Moral Incentives in Credit Card Debt Repayment: Evidence from a Field Experiment," Journal of Political Economy, University of Chicago Press, vol. 127(4), pages 1641-1683.
    8. Xin Li & Xiujuan Tian, 2022. "Research on SMEs’ Reputation Mechanism and Default Risk Based on Investors’ Financial Participation," Sustainability, MDPI, vol. 14(21), pages 1-17, November.
    9. Marieke Bos & Emily Breza & Andres Liberman, 2016. "The Labor Market Effects of Credit Market Information," NBER Working Papers 22436, National Bureau of Economic Research, Inc.
    10. Rayenda K. Brahmana & Hui‐Wei You & Evan Lau, 2022. "Does reputation matter for firm risk in developing country?," International Journal of Finance & Economics, John Wiley & Sons, Ltd., vol. 27(2), pages 2110-2123, April.
    11. Andres Liberman & Christopher Neilson & Luis Opazo & Seth Zimmerman, 2018. "The Equilibrium Effects of Information Deletion: Evidence from Consumer Credit Markets," NBER Working Papers 25097, National Bureau of Economic Research, Inc.
    12. Green, Daniel & Liu, Ernest, 2021. "A dynamic theory of multiple borrowing," Journal of Financial Economics, Elsevier, vol. 139(2), pages 389-404.
    13. Liberti, José & Sturgess, Jason & Sutherland, Andrew, 2022. "How voluntary information sharing systems form: Evidence from a U.S. commercial credit bureau," Journal of Financial Economics, Elsevier, vol. 145(3), pages 827-849.
    14. Hibbeln, Martin & Norden, Lars & Usselmann, Piet & Gürtler, Marc, 2020. "Informational synergies in consumer credit," Journal of Financial Intermediation, Elsevier, vol. 44(C).
    15. Gerardo Pérez‐Cavazos, 2019. "Consequences of Debt Forgiveness: Strategic Default Contagion and Lender Learning," Journal of Accounting Research, Wiley Blackwell, vol. 57(3), pages 797-841, June.
    16. Andres Liberman & Christopher A. Neilson & Luis Opazo & Seth Zimmerman, 2019. "Equilibrium Effects of Asymmetric Information on Consumer Credit Markets," Working Papers 2019-7, Princeton University. Economics Department..
    17. Arráiz, Irani & Bruhn, Miriam & Roth, Benjamin N. & Ruiz-Ortega, Claudia & Stucchi, Rodolfo, 2021. "Borrower leakage from costly screening: Evidence from SME lending in Peru," Journal of Development Economics, Elsevier, vol. 153(C).
    18. Allen N. Berger & Christa H. S. Bouwman & Lars Norden & Raluca A. Roman & Gregory F. Udell & Teng Wang, 2024. "Piercing through Opacity: Relationships and Credit Card Lending to Consumers and Small Businesses during Normal Times and the COVID-19 Crisis," Journal of Political Economy, University of Chicago Press, vol. 132(2), pages 484-551.
    19. Bursztyn,Leonardo A. & Fiorin,Stefano & Gottlieb,Daniel Wolf & Kanz,Martin & Bursztyn,Leonardo A. & Fiorin,Stefano & Gottlieb,Daniel Wolf & Kanz,Martin, 2015. "Moral incentives : experimental evidence from repayments of an Islamic credit card," Policy Research Working Paper Series 7420, The World Bank.

IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.