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  • 2022
  • Working Paper

Buy Now, Pay Later Credit: User Characteristics and Effects on Spending Patterns

By: Marco Di Maggio, Justin Katz and Emily Williams
Firms offering "buy now, pay later" (BNPL) point-of-sale installment loans with minimal underwriting and low interest have captured a growing fraction of the market for short-term unsecured consumer credit. We provide a detailed look into the US BNPL market by... View Details
Keywords: Household Finance; Fintech; Consumer Credit; Credit; Consumer Behavior
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  • 2019
  • Working Paper

Optimal Interventions for Increasing Healthy Food Consumption Among Low Income Households

By: Retsef Levi, Elisabeth Paulson and Georgia Perakis
The federal government currently spends over $100 billion per year on policies aimed to increase fruit and vegetable (FV) consumption among low income households. These include price-, nutrition education-, and access-related interventions. Currently, the government... View Details
Keywords: Bi-level Optimization; Optimal Subsidies; Public Policy; Food Policy; Central Planner; Government Administration; Poverty; Food; Nutrition
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  • December 2016 (Revised May 2018)
  • Case

Ebony Magazine

By: Steven Rogers and Derrick Jackson
For nearly 75 years, the Johnson Publishing Company has been the most successful African American magazine publisher. Its flagship Ebony magazine was an iconic coffee table fixture for decades in black households of all classes, making founder John H. Johnson... View Details
Keywords: Business Restructuring; Media; Race Characteristics; Social History; Contemporary History; Fairness; Race; Corporate Entrepreneurship; Adaptation; Consolidation; Culture; Brands and Branding; Journals and Magazines; Decisions; Business History; Restructuring; Innovation and Management; Crisis Management; Media and Broadcasting Industry; Journalism and News Industry; Publishing Industry; Chicago
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  • 17 Aug 2016
  • Working Paper Summaries

The Empirical Economics of Online Attention

Keywords: by Andre Boik, Shane Greenstein, and Jeffrey Prince; Media & Broadcasting
  • 2016
  • Working Paper

Entrepreneurship and Public Health Insurance

By: Gareth Olds
I examine the relationship between public health insurance and firm formation. Developing a variant of regression discontinuity, I find the Child Health Insurance Program lowered the child uninsured rate by 40% and increased self-employment by 15%. Monte Carlo evidence... View Details
Keywords: Insurance; Entrepreneurship
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  • 30 Jan 2008
  • Working Paper Summaries

Cost of External Finance and Selection into Entrepreneurship

Keywords: by Ramana Nanda
  • 2019
  • Working Paper

Thinking Outside the Box (12): The Benefits of Increased Transparency in Employer-Sponsored Health Insurance for the 180 Million Insured

By: Regina E. Herzlinger and Barak D. Richman
Economists have long noted that the tax exclusion of employer-sponsored insurance (ESI) caused workers to purchase health plans that differ in price and other characteristics from those they would otherwise choose for themselves. We explore the short-term and long-term... View Details
Keywords: After-tax Income; Consumer-driven Health Care; Health Care Costs; Health Insurance; Income Inequality; Tax Policy; Health Care and Treatment; Cost; Insurance; Income; Equality and Inequality; Taxation; Policy; United States
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  • 02 Aug 2016
  • First Look

August 2, 2016

instead for consumer attention. We model and characterize how households allocate their scarce attention in arguably the largest market for attention: the Internet. Our characterization of household... View Details
Keywords: Sean Silverthorne
  • 27 Feb 2007
  • First Look

First Look: February 27, 2007

Aires exploiting a natural experiment that induced an allocation of property rights that is exogenous to the characteristics of the squatters. There are significant differences in the beliefs that squatters with and without land titles... View Details
Keywords: Martha Lagace
  • 10 Nov 2009
  • First Look

First Look: Nov. 10

unbundling is prevalent in many information industries. What is the effect of this unbundling on sales? And what bundle characteristics drive this effect? I empirically examine these questions in the context of the music industry, using... View Details
Keywords: Martha Lagace
  • April 2012
  • Article

Bouncing Out of the Banking System: An Empirical Analysis of Involuntary Bank Account Closures

By: Dennis Campbell, F. Asis Martinez-Jerez and Peter Tufano
Using a new database, we document the factors that relate to the extent of involuntary consumer bank account closure resulting from excessive overdraft activity. Consumers who have accounts involuntarily closed for overdraft activity may have limited or no access to... View Details
Keywords: Mathematical Methods; Customers; Social Issues; Outcome or Result; Budgets and Budgeting; Forecasting and Prediction; Competition; Banks and Banking; Policy; Personal Characteristics; Credit; Employment; United States
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  • 18 Oct 2011
  • First Look

First Look: October 18

characteristics of the waste-to-energy operation, the market characteristics for waste disposal and energy, and the mechanisms regulators use to encourage production of renewable energy, we determine the... View Details
Keywords: Sean Silverthorne
  • 10 Jan 2023
  • Op-Ed

Time to Move On? Career Advice for Entrepreneurs Preparing for the Next Stage

it’s ending a relationship, changing a job or transitioning from a household of kids to an empty nest. When it comes to our employment, we have our last day at an old job on a Friday and start our new job on Monday, perhaps taking a week... View Details
Keywords: by Julia Austin
  • 12 May 2023
  • Blog Post

Independent Project: The Rise of Electric Heat Pumps

installing an electric heat pump in every household in the U.S. would reduce annual emissions by 160 million metric tonnes [3]. Lastly, heat pump adoption will lead to less pollution and cleaner, safer air. There are currently many... View Details
  • 28 Nov 2005
  • Research & Ideas

Unilever: Transformation and Tradition

Currently a Unilever brand can be found in one out of every two households in the world. This book has related how these brands came to form part of the everyday life of so many people as the world "globalized" from the 1960s.... View Details
Keywords: by Geoffrey Jones; Consumer Products
  • Web

Historical Data & Sources - Business History

Palgrave-MacMillan, 2007 B.R. Mitchell, International Statistics: Africa, Asia, Oceania, 1750-2005. New York: Palgrave-MacMillan, 2007 United Nations, International Trade Statistics, various years Download Data Set in Excel Political Governance Polity IV Project:... View Details
  • Web

Research - Behavioral Finance & Financial Stability

asset beta. See Malcolm’s other research here and Jeffrey’s other research here . More Info The Pass-through of Uncertainty Shocks to Households By: Marco Di Maggio , Amir Kermani , Rodney Ramcharan , Vincent Yao & Edison Yu AUG 2020 What... View Details
  • 16 Jul 2013
  • First Look

First Look: July 16

have described as characteristic of the modern neo-liberal regime. 2013 pub Fashioning an Industry: Socio-cognitive Processes in the Construction of Worth of a New Industry By: Khaire, Mukti Abstract—This study of the high-end fashion... View Details
Keywords: Anna Secino
  • Web

Finance Awards & Honors - Faculty & Research

from the Society for Financial Studies for “Call Me Maybe? The Effects of Exercising Contingent Capital.” Boris Vallee : Winner of a Benjamin Delessert Award for Household Savings Special Jury Prize in 2015 for his PhD thesis, "Three... View Details
  • 23 Jun 2008
  • Research & Ideas

Innovative Ways to Encourage Personal Savings

about the subject in a paper, "Consumer Demand for Prize-Linked Savings: A Preliminary Analysis" [PDF]. In the Clarksville survey, there were four characteristics that define people who were most interested in the product: They have no... View Details
Keywords: by Martha Lagace; Financial Services