The digitization of residential energy—aided by the digitalization of information about energy usage—has spurred a revolution in energy-efficiency investments and helped…
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…
W08-4: By looking beyond the financial characteristics of borrowers, this research brings to light the social factors that influence a borrower’s choice of a lender and…