Abstract

http://ssrn.com/abstract=1457224
 
 

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Credit Card Borrowing and the Monoamine Oxidase A (MAOA) Gene


Jan‐Emmanuel De Neve


University College London; London School of Economics & Political Science (LSE)

James H. Fowler


UC San Diego Division of Social Sciences; UC San Diego School of Medicine

February 27, 2014

Journal of Economic Behavior and Organization, Forthcoming

Abstract:     
Using a discovery and replication sample from a U.S. representative data set, we show that a functional polymorphism on the MAOA gene is associated with credit card borrowing behavior. For the combined sample of approximately 12,000 individuals we fi nd that having one or both MAOA alleles of the less transcriptionally efficient type raises the average likelihood of reporting credit card debt by about 4%. These results suggest that behavioral models bene t from integrating genetic variation and that economists should consider the welfare consequences of possible discrimination by lenders on the basis of genotype.

Number of Pages in PDF File: 34

Keywords: Credit card borrowing, present-biased time preferences, MAOA gene, genetic association study

JEL Classification: D14, D91, G02

Accepted Paper Series


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Date posted: August 20, 2009 ; Last revised: February 27, 2014

Suggested Citation

de Neve, Jan‐Emmanuel and Fowler, James H., Credit Card Borrowing and the Monoamine Oxidase A (MAOA) Gene (February 27, 2014). Journal of Economic Behavior and Organization, Forthcoming. Available at SSRN: http://ssrn.com/abstract=1457224 or http://dx.doi.org/10.2139/ssrn.1457224

Contact Information

Jan-Emmanuel De Neve (Contact Author)
University College London ( email )
29/30 Tavistock Square
London, WC1H 9QU
United Kingdom
London School of Economics & Political Science (LSE) ( email )
Houghton Street
London, WC2A 2AE
United Kingdom
HOME PAGE: http://personal.lse.ac.uk/deneve/
James H. Fowler
UC San Diego Division of Social Sciences ( email )
9500 Gilman Drive
Code 0521
La Jolla, CA 92093-0521
United States
HOME PAGE: http://jhfowler.ucsd.edu
UC San Diego School of Medicine ( email )
9500 Gilman Drive
MC 0507
La Jolla, CA 92093
United States
HOME PAGE: http://jhfowler.ucsd.edu
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