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Co-holding behaviour: unlocking the puzzle

cris.lastimport.scopus2024-09-19T01:30:40Z
dc.abstract.enhis article seeks to explain why households decide to simultaneously hold both credit and savings products. Beyond the arguments of ignorance or behavioural biases commonly used in the literature, our analysis demonstrates that co-holders might be rationally seeking lower interest rates on their consumer credit products. Our analysis reveals that additional savings accumulated before credit uptake, even if not used as a down payment for a debt, reduce the interest rate on credit.
dc.affiliationAdministracji i Nauk Społecznych
dc.contributor.authorPiotr Bialowolski
dc.contributor.authorAndrzej Cwynar
dc.contributor.authorDorota Weziak-Bialowolska
dc.date.accessioned2024-07-23T11:42:17Z
dc.date.available2024-07-23T11:42:17Z
dc.date.issued2020
dc.identifier.doi10.1080/13504851.2020.1866742
dc.identifier.eissn1466-4291
dc.identifier.issn1350-4851
dc.identifier.urihttps://repo.akademiawsei.eu/handle/item/540
dc.languageen
dc.pbn.affiliationeconomics and finance
dc.relation.ispartofApplied Economics Letters
dc.rightsClosedAccess
dc.subject.enco-holding
dc.subject.enconsumer credit
dc.subject.enhousehold savings
dc.subject.eninterest rate
dc.subject.enquantile regression
dc.titleCo-holding behaviour: unlocking the puzzle
dc.typeReviewArticle
dspace.entity.typePublication
oaire.citation.issue4
oaire.citation.volume29