This paper empirically and theoretically analyzes the effect of debt reductions that reduce long-term but not short-term obligations. Isolating the effect of future…
BABC 04-3: Recently there has been a surge of interest in the market potential for mainstream financial service firms to serve unbanked and marginally banked consumers.…
W01-2: Production home building companies infrequently invest in primary consumer market research. In the unusual instances when home builders do conduct consumer…