scholarly journals The short-term economic effects of COVID-19 on low-income households in rural Kenya: An analysis using weekly financial household data

2021 ◽  
Vol 138 ◽  
pp. 105280
Author(s):  
Wendy Janssens ◽  
Menno Pradhan ◽  
Richard de Groot ◽  
Estelle Sidze ◽  
Hermann Pythagore Pierre Donfouet ◽  
...  
Keyword(s):  
Low Income ◽  
Economic Effects ◽  
Short Term ◽  
Household Data ◽  
Rural Kenya ◽  
Low Income Households

Short Term and Long-Term Savings in Low Income Households: Evidence from Individual Development Accounts

2005 ◽  
Author(s):  
Margaret S. Sherraden ◽  
Amanda Moore McBride ◽  
Stacie Hanson ◽  
Lissa Johnson
Keyword(s):  
Low Income ◽  
Well Being ◽  
Economic Effects ◽  
Individual Development ◽  
Future Research ◽  
Marginal Effect ◽  
Individual Development Accounts ◽  
Short Term ◽  
Low Income Households

Previous research has found that individuals frame savings for short-term and long-term uses. These findings are reinforced through in-depth interviews with 59 participants and 25 controls in an experiment testing the effects of Individual Development Accounts (IDAs). All respondents are from low-income households. IDA participants appear more likely than control respondents to earmark savings for long-term purposes and asset investments. This could be interpreted as a result of the institutional saving structure provided through the IDA program. IDA participants are presented with savings goals, which they believe are made attainable through conveyed expectations, matching funds, financial information, and staff facilitation. Interviews suggest that savings may lead to psychological, behavioral, and economic effects. Future research can explore the distinct and marginal effect that each institutional dimension has on savings over the long term and the effects of savings on family well being.

scholarly journals Greater Inequality and Household Borrowing: New Evidence from Household Data

2020 ◽  
Vol 18 (6) ◽  
pp. 2922-2971
Author(s):  
Olivier Coibion ◽  
Yuriy Gorodnichenko ◽  
Marianna Kudlyak ◽  
John Mondragon
Keyword(s):  
Low Income ◽  
Local Variation ◽  
Access To Credit ◽  
Household Level ◽  
Household Data ◽  
Credit Supply ◽  
Long Run ◽  
Household Borrowing ◽  
New Evidence ◽  
Low Income Households

Abstract Using household-level debt data over 2000–2012 and local variation in inequality, we show that low-income households in high-inequality regions (zip codes, counties, states) accumulated less debt relative to their income than low-income households in lower inequality regions. We also find evidence that low-income households face higher credit prices and reduced access to credit as inequality increases. We argue that these patterns are consistent with inequality tilting credit supply away from low-income households and toward high-income households, which may have long-run implications for outcomes like homeownership or entrepreneurship.

scholarly journals The Evolution of Arrears among US Households 1995–2013

2021 ◽  
Vol 14 (2) ◽  
pp. 43
Author(s):  
Charles Grant
Keyword(s):  
Low Income ◽  
Survey Of Consumer Finances ◽  
Middle Income ◽  
Household Data ◽  
Consumer Finances ◽  
Changes Over Time ◽  
Over Time ◽  
Low Income Households

This paper looks at arrears among US households between 1995 and 2013. It uses household data from the Survey of Consumer Finances (SCF) where arrears occur when a household reports it “sometimes got behind or missed a payment”. The key contribution is that it decomposes the change in arrears into a behavioural part and a compositional part. Older poorer households increased arrears between 1995 and 2001 (this reversed in 2004). Younger middle-income households increased arrears in 2004. Following bankruptcy reform, wealthier households under 50 reduced their arrears between 2004 and 2007. During the sub-prime recession, everyone except younger low income households increased their arrears. The decomposition exercise shows that most of the changes over time are attributed to changes in arrears once the loan is given and not to the change in the composition of the pool of borrowers.

Dampak Insentif Pajak Perumahan Terhadap Potensi Penerimaan Pajak Negara Dan Peningkatan Pendapatan Masyarakat : Kasus Provinsi Papua

2016 ◽  
Vol 1 (1) ◽  
pp. 13-22
Author(s):  
Towaf Totok Irawan
Keyword(s):  
Low Income ◽  
House Prices ◽  
Tax Incentives ◽  
High Price ◽  
Short Term ◽  
Primary Input ◽  
State Revenue ◽  
Long Run ◽  
The Government ◽  
The Impact

Until now the government and private sector have not been able to address the backlog of 13.5 million housing units for ownership status and 7.6 million units for residential status. The high price of land has led to the high price of the house so that low-income communities (MBR) is not able to reach out to make a home purchase. In addition to the high price of land, tax factors also contribute to the high price of the house. The government plans to issue a policy for the provision of tax incentives, ie abolish VAT on home-forming material transaction. This policy is expected to house prices become cheaper, so the demand for housing increases, and encourage the relevant sectors to intensify its role in the construction of houses. It is expected to replace the lost tax potential and increase incomes. Analysis of the impact of tax incentives housing to potential state revenue and an increase in people's income, especially in Papua province is using the table IO because in addition to looking at the role each sector can also see the impact on taxes (income tax 21 Pph 25 Pph, VAT), and incomes (wage). Although in the short-term impact is still small, but very rewarding in the long run. Keywords: Backlog, Gross Input, Primary Input, Intermediate Input

A Study on Demand for Micro Insurance for Low-Income Households in Disaster-Prone Areas of Indonesia

2011 ◽  
Author(s):  
Viverita . ◽  
Ririen Setiati Rianti ◽  
Abdurrahman Sunanta ◽  
Ida Ayu Agung Faradynawati
Keyword(s):  
Low Income ◽  
On Demand ◽  
Micro Insurance ◽  
Low Income Households
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