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dc.contributor.authorHyytinen, Ari
dc.contributor.authorPutkuri, Hanna
dc.date.accessioned2018-03-02T11:48:45Z
dc.date.available2020-01-22T22:35:21Z
dc.date.issued2018
dc.identifier.citationHyytinen, A., & Putkuri, H. (2018). Household optimism and overborrowing. <i>Journal of Money, Credit and Banking</i>, <i>50</i>(1), 55-76. <a href="https://doi.org/10.1111/jmcb.12453" target="_blank">https://doi.org/10.1111/jmcb.12453</a>
dc.identifier.otherCONVID_26890960
dc.identifier.otherTUTKAID_73165
dc.identifier.urihttps://jyx.jyu.fi/handle/123456789/57237
dc.description.abstractWe use Finnish household-level data from 1994 to 2013 to measure how often and what kind of forecast errors households make and how the errors are linked to the households' borrowing behavior and overindebtedness. We find that those households that make the largest optimistic forecast errors have greater debt-to-income ratios. They also are more likely to report that they suffer from excessive debt loads and have problems in coping with their bills. There are no such systematic effects for the households that make pessimistic forecast errors.
dc.language.isoeng
dc.publisherOhio State University Press; John Wiley & Sons, Inc.
dc.relation.ispartofseriesJournal of Money, Credit and Banking
dc.subject.otherylivelkaantuminen
dc.subject.otherforecast errors
dc.subject.otherborrowing
dc.subject.otheroverindebtedness
dc.titleHousehold optimism and overborrowing
dc.typearticle
dc.identifier.urnURN:NBN:fi:jyu-201803011636
dc.contributor.laitosKauppakorkeakoulufi
dc.contributor.laitosSchool of Business and Economicsen
dc.contributor.oppiaineTaloustiedefi
dc.contributor.oppiaineBasic or discovery scholarshipfi
dc.contributor.oppiaineEconomicsen
dc.contributor.oppiaineBasic or discovery scholarshipen
dc.type.urihttp://purl.org/eprint/type/JournalArticle
dc.date.updated2018-03-01T13:15:10Z
dc.type.coarhttp://purl.org/coar/resource_type/c_2df8fbb1
dc.description.reviewstatuspeerReviewed
dc.format.pagerange55-76
dc.relation.issn0022-2879
dc.relation.numberinseries1
dc.relation.volume50
dc.type.versionacceptedVersion
dc.rights.copyright© 2018 The Ohio State University. This is a final draft version of an article whose final and definitive form has been published by The Ohio State University. Published in this repository with the kind permission of the publisher.
dc.rights.accesslevelopenAccessfi
dc.subject.ysolainat
dc.subject.ysovelkaantuminen
dc.subject.ysotaloudelliset ennusteet
jyx.subject.urihttp://www.yso.fi/onto/yso/p4705
jyx.subject.urihttp://www.yso.fi/onto/yso/p5968
jyx.subject.urihttp://www.yso.fi/onto/yso/p16768
dc.relation.doi10.1111/jmcb.12453
dc.type.okmA1


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