Essays about: "Debt to Income"

Showing result 1 - 5 of 69 essays containing the words Debt to Income.

  1. 1. Debt level heterogeneity by municipality type : A study of the differences in households' debt level based on house- and condominium prices and municipality type in Sweden

    University essay from Jönköping University/IHH, Nationalekonomi

    Author : Emil Johansson; Jonathan Engström; [2023]
    Keywords : Household debt; indebtedness; Debt-to-income; Municipality Type; House Price; Condominium Price;

    Abstract : We investigate the effects of house- and condominium prices on a household's debt-to-income based on the type of municipality. With data from 2010-2017 for all of Sweden's municipalities we use a panel data regression and find that both house- and condominium price has a significant effect on debt-to-income with control variables of age, age! and education added to the model. READ MORE

  3. 2. A Lagom Level of Debt: Swedish household indebtedness in the 21st century

    University essay from Lunds universitet/Ekonomisk-historiska institutionen

    Author : Sebastian Krook; [2023]
    Keywords : household debt; debt-to-income ratio; mortgage; financial stability; Financial Accelerator; Business and Economics;

    Abstract : This thesis studies the causes of rising household and particularly mortgage debt in Sweden between 1995 and 2020. It aims to contribute to the understanding of institutional factors behind increasing debt, such as policy regulating lending. READ MORE

  4. 3. Buy Now, Pay Later: Assessing the Financial and Behavioral Implications for Gen-Z Consumers in the USA

    University essay from Blekinge Tekniska Högskola/Institutionen för industriell ekonomi

    Author : Feseha Gebeyehu; Avraam Mavridis; [2023]
    Keywords : BNPL; Gen-Z; Impulsive spending; Overconsumption; Debt; Credit; Financial Wellbeing;

    Abstract : Background: The payment methods available to consumers for online purchases have evolved over time, with options ranging from debit and credit cards to e-wallets like PayPal and Apple Pay. Among these methods, Buy Now Pay Later (BNPL) has emerged as a significant payment method alternative. READ MORE

  5. 4. Navigating the Waves: A Study on the Effect of Income Volatility on Household Debt Accumulation

    University essay from Handelshögskolan i Stockholm/Institutionen för nationalekonomi

    Author : Loke Sjödin; Lukas Segerberg; [2023]
    Keywords : Inequality; Income volatility; Gramm-Leach-Bliley Act; Financial crises; Household Debt;

    Abstract : This study investigates the influence of income volatility on household borrowing behavior, contributing to the broader discussion on the relationship between inequality and the risk of financial crises. While prior studies have generally focused on permanent income inequality, we address the overlooked aspect of transitory income inequality. READ MORE

  6. 5. Exploring the Economic Relationship Between China and Sub-Saharan Africa : A Study on the Role of Chinese Foreign Direct Investments in Sub-Saharan Africa

    University essay from Linköpings universitet/Nationalekonomi; Linköpings universitet/Filosofiska fakulteten

    Author : Axel Pettersson; Rushil Patel; [2023]
    Keywords : FDI; China; Sub-Saharan Africa; Fixed Effect Model; Panel Data; Economics; Foreign Policy; Debt trap; FDI; Kina; Sub-Sahara Afrika; Fixed Effect Model; Paneldata; Ekonomi; Utrikespolitik; Skuldfälla;

    Abstract : This paper adopts a quantitative and qualitative lens, through which we explore the economic relationship between the region of Sub-Saharan Africa and China as a consequence of Chinese Foreign direct investments (FDI).  Primarily, the paper’s direction, analysis, and discussions are dictated by the usage of primary and secondary data. READ MORE