Sumit Agarwal

National University of Singapore

Professor of Economics, Finance and Real Estate

15 Kent Ridge Drive

Singapore, 117592

Singapore

http://www.ushakrisna.com

  • National University of Singapore

SCHOLARLY PAPERS

219

DOWNLOADS
Rank 273

SSRN RANKINGS

Top 273

in Total Papers Downloads

80,642

SSRN CITATIONS
Rank 242

SSRN RANKINGS

Top 242

in Total Papers Citations

1,865

CROSSREF CITATIONS

1,373

Scholarly Papers (219)

Actions:
Email selected abstracts
1.

The Age of Reason: Financial Decisions over the Life-Cycle with Implications for Regulation

Downloads 6,183 ( 1,732)
Citation 78

The Age of Reason: Financial Decisions over the Life-Cycle with Implications for Regulation

Number of pages: 76 Posted: 29 Mar 2008 Last Revised: 22 Oct 2009
Sumit Agarwal, John C. Driscoll, Xavier Gabaix and David Laibson
National University of Singapore, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 5,952 (1,808)
Citation 59

Abstract:

Loading...

Household finance, aging, financial sophistication, shrouding, credit cards, fees, mortgages, regulation

The Age of Reason: Financial Decisions Over the Lifecycle

NYU Working Paper No. FIN-07-005
Number of pages: 51 Posted: 03 Nov 2008
Sumit Agarwal, John C. Driscoll, Xavier Gabaix and David Laibson
National University of Singapore, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 166 (249,002)

Abstract:

Loading...

Household finance, behavioral finance, behavioral industrial organization, aging, shrouding, auto loans, credit cards, fees, home equity, home equity

The Age of Reason: Financial Decisions Over the Lifecycle

NBER Working Paper No. w13191
Number of pages: 51 Posted: 03 Jul 2007 Last Revised: 18 Jul 2022
Sumit Agarwal, John C. Driscoll, Xavier Gabaix and David Laibson
National University of Singapore, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 65 (471,233)
Citation 3

Abstract:

Loading...

2.

Regulating Consumer Financial Products: Evidence from Credit Cards

Downloads 3,011 ( 5,881)
Citation 85

Regulating Consumer Financial Products: Evidence from Credit Cards

Number of pages: 67 Posted: 26 Sep 2013 Last Revised: 28 Aug 2014
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU) - Leonard N. Stern School of Business
Downloads 2,949 (5,970)
Citation 9

Abstract:

Loading...

Credit Cards, CARD Act, Subprime Credit, Consumer Credit, Salience

Regulating Consumer Financial Products: Evidence from Credit Cards

NBER Working Paper No. w19484
Number of pages: 70 Posted: 28 Sep 2013 Last Revised: 28 Mar 2022
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU) - Leonard N. Stern School of Business
Downloads 62 (482,865)
Citation 14

Abstract:

Loading...

3.

The Real Impact of FinTech: Evidence from Mobile Payment Technology

Number of pages: 58 Posted: 13 Apr 2020 Last Revised: 26 Dec 2020
Sumit Agarwal, Wenlan Qian, Yuan Ren, Hsin-Tien Tsai and Bernard Yin Yeung
National University of Singapore, HKU Business School, Zhejiang University, National University of Singapore (NUS), Department of Economics and National University of Singapore - Business School
Downloads 2,486 (7,952)
Citation 9

Abstract:

Loading...

FinTech, Mobile payment, Cash, Credit card, Real effect, Small business, Business creation, Entrepreneurship, Consumption, Banking, Digital economy, Transaction cost, Inclusive growth

4.

Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program

Downloads 2,264 ( 9,200)
Citation 87

Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program

Journal of Political Economy, Forthcoming, Fisher College of Business Working Paper No. 2012-03-020, Charles A. Dice Center Working Paper No. 2012-20
Number of pages: 63 Posted: 29 Aug 2012 Last Revised: 21 Jul 2016
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, Tomasz Piskorski and Amit Seru
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC), Columbia University - Columbia Business School, Finance and Stanford University
Downloads 2,129 (10,020)
Citation 6

Abstract:

Loading...

Government intervention, Debt renegotiation, Mortgage modification, Foreclosures, Housing crisis, HAMP, Servicers

Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program

FRB of Chicago Working Paper No. 2013-27, Kreisman Working Papers Series in Housing Law and Policy No. 7
Number of pages: 69 Posted: 28 Jan 2014
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, Tomasz Piskorski and Amit Seru
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC), Columbia University - Columbia Business School, Finance and Stanford University
Downloads 113 (336,084)
Citation 3

Abstract:

Loading...

Government intervention, Debt renegotiation, Mortgage modification, Foreclosures, Housing crisis, HAMP, Servicers

Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program

NBER Working Paper No. w18311
Number of pages: 63 Posted: 30 Aug 2012 Last Revised: 15 Jul 2022
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, Tomasz Piskorski and Amit Seru
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC), Columbia University - Columbia Business School, Finance and Stanford University
Downloads 22 (708,472)
Citation 53

Abstract:

Loading...

5.

Did the Community Reinvestment Act (CRA) Lead to Risky Lending?

Downloads 1,869 ( 12,614)
Citation 10

Did the Community Reinvestment Act (CRA) Lead to Risky Lending?

Kreisman Working Papers Series in Housing Law and Policy No. 8
Number of pages: 44 Posted: 08 Nov 2012 Last Revised: 08 Jan 2015
Sumit Agarwal, Efraim Benmelech, Nittai Bergman and Amit Seru
National University of Singapore, Northwestern University - Kellogg School of Management, Tel Aviv University and Stanford University
Downloads 1,733 (13,999)

Abstract:

Loading...

CRA, Financial Institutions, Mortgages, Financial Crisis, Household Finance

Did the Community Reinvestment Act (Cra) Lead to Risky Lending?

NBER Working Paper No. w18609
Number of pages: 45 Posted: 07 Dec 2012 Last Revised: 08 May 2022
Sumit Agarwal, Efraim Benmelech, Nittai Bergman and Amit Seru
National University of Singapore, Northwestern University - Kellogg School of Management, Tel Aviv University and Stanford University
Downloads 136 (293,052)
Citation 3

Abstract:

Loading...

6.

Learning in the Credit Card Market

Downloads 1,775 ( 13,710)
Citation 13

Learning in the Credit Card Market

Number of pages: 44 Posted: 06 Apr 2008 Last Revised: 26 Apr 2013
Sumit Agarwal, John C. Driscoll, Xavier Gabaix and David Laibson
National University of Singapore, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 1,652 (15,065)
Citation 10

Abstract:

Loading...

household finance, consumer finance, credit cards, feedback, learning, learning-by-doing, recency

Learning in the Credit Card Market

NBER Working Paper No. w13822
Number of pages: 37 Posted: 15 Feb 2008 Last Revised: 09 Apr 2022
Sumit Agarwal, John C. Driscoll, Xavier Gabaix and David Laibson
National University of Singapore, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 123 (316,285)

Abstract:

Loading...

7.

Financial Literacy and Financial Planning: Evidence from India

Number of pages: 45 Posted: 20 Dec 2010
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 1,752 (14,007)
Citation 9

Abstract:

Loading...

Financial Literacy, Financial Education, Checking Account, Savings, Nudge, Saving Account, Insurance, Personal Finance, Gender, Age, Education, Household Finance, Consumer Behavior, Consumption, India, Financial Counseling, Numeracy, Inflation, Risk, Diversification, Risk Tolerance, Investment Prefe

8.

Inconsistent Regulators: Evidence from Banking

Downloads 1,604 ( 16,024)
Citation 131

Inconsistent Regulators: Evidence from Banking

AFA 2013 San Diego Meetings Paper
Number of pages: 59 Posted: 03 Jan 2012 Last Revised: 10 Apr 2013
Sumit Agarwal, David O. Lucca, Amit Seru and Francesco Trebbi
National University of Singapore, Federal Reserve Banks - Federal Reserve Bank of New York, Stanford University and University of California, Berkeley - Haas School of Business
Downloads 1,555 (16,530)
Citation 1

Abstract:

Loading...

Banking Regulation, Banking Supervision, Dual Banking, CAMELS, Financial Institutions, European Banking

Inconsistent Regulators: Evidence from Banking

NBER Working Paper No. w17736
Number of pages: 60 Posted: 06 Jan 2012 Last Revised: 19 Jun 2022
Sumit Agarwal, David O. Lucca, Amit Seru and Francesco Trebbi
National University of Singapore, Federal Reserve Banks - Federal Reserve Bank of New York, Stanford University and University of California, Berkeley - Haas School of Business
Downloads 49 (539,040)
Citation 56

Abstract:

Loading...

9.

Do Banks Pass Through Credit Expansions to Consumers Who Want To Borrow?

Downloads 1,535 ( 17,164)
Citation 67

Do Banks Pass Through Credit Expansions to Consumers Who Want To Borrow?

Number of pages: 95 Posted: 11 Jun 2015 Last Revised: 15 Sep 2017
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU) - Leonard N. Stern School of Business
Downloads 1,464 (18,049)
Citation 20

Abstract:

Loading...

Pass-Through, Monetary Policy, Credit Card Market, Asymmetric Information

Do Banks Pass Through Credit Expansions? The Marginal Profitability of Consumer Lending During the Great Recession

CESifo Working Paper Series No. 5521
Number of pages: 59 Posted: 19 Oct 2015
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU) - Leonard N. Stern School of Business
Downloads 47 (548,700)

Abstract:

Loading...

Do Banks Pass Through Credit Expansions to Consumers Who Want to Borrow?

NBER Working Paper No. w21567
Number of pages: 96 Posted: 21 Sep 2015 Last Revised: 06 Jun 2022
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU) - Leonard N. Stern School of Business
Downloads 24 (691,949)
Citation 37

Abstract:

Loading...

Do Banks Pass Through Credit Expansions? The Marginal Profitability of Consumer Lending During the Great Recession

CEPR Discussion Paper No. DP10839
Number of pages: 60 Posted: 21 Sep 2015
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU) - Leonard N. Stern School of Business
Downloads 0
  • Add to Cart

Abstract:

Loading...

asymmetric information, credit card market, monetary policy, pass-through

10.

Optimal Mortgage Refinancing: A Closed Form Solution

Downloads 1,377 ( 20,153)
Citation 39

Optimal Mortgage Refinancing: A Closed Form Solution

Journal of Money, Credit, and Banking, Forthcoming
Number of pages: 46 Posted: 31 Aug 2007 Last Revised: 07 May 2013
Sumit Agarwal, John C. Driscoll and David Laibson
National University of Singapore, Board of Governors of the Federal Reserve System and Harvard University - Department of Economics
Downloads 1,328 (20,937)
Citation 3

Abstract:

Loading...

Mortgage, refinance, option value, normative economics

Optimal Mortgage Refinancing: A Closed Form Solution

NBER Working Paper No. w13487
Number of pages: 41 Posted: 15 Oct 2007 Last Revised: 09 May 2022
Sumit Agarwal, John C. Driscoll and David Laibson
National University of Singapore, Board of Governors of the Federal Reserve System and Harvard University - Department of Economics
Downloads 49 (539,040)
Citation 16

Abstract:

Loading...

11.

Financial Inclusion and Alternate Credit Scoring: Role of Big Data and Machine Learning in Fintech

Indian School of Business
Number of pages: 85 Posted: 14 Jan 2020 Last Revised: 16 Apr 2021
Sumit Agarwal, Shashwat Alok, Pulak Ghosh and Sudip Gupta
National University of Singapore, Indian School of Business (ISB), Hyderabad, Indian Institute of Management (IIMB), Bangalore and Johns Hopkins University
Downloads 1,346 (20,861)
Citation 3

Abstract:

Loading...

Fintech, Big data, Credit scores, Financial inclusion, Lending, Machine Learning, Mobile footprint, Prediction Counterfactual, Social footprint, Social capital

12.

Demonetization and Digitization

Number of pages: 57 Posted: 02 Jul 2018 Last Revised: 26 Dec 2018
Sumit Agarwal, Debarati Basu, Pulak Ghosh, Bhuvanesh Pareek and Jian Zhang
National University of Singapore, Finance, Accounting, and Control, School of Management and Entrepreneurship, Indian Institute of Management (IIMB), Bangalore, Indian Institute of Management (IIM), Indore and The University of Hong Kong - Faculty of Business and Economics
Downloads 1,271 (22,744)
Citation 11

Abstract:

Loading...

Digitization, Payment Method, Demonetization

13.

Do Consumers Choose the Right Credit Contracts?

Downloads 1,216 ( 24,319)
Citation 43

Do Consumers Choose the Right Credit Contracts?

Number of pages: 26 Posted: 13 Nov 2005 Last Revised: 18 Mar 2015
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 733 (48,657)
Citation 26

Abstract:

Loading...

consumption, borrowing, debt, balance sheets, consumer credit, credit cards, banking

Do Consumers Choose the Right Credit Contracts?

Number of pages: 26 Posted: 05 Dec 2006 Last Revised: 18 Mar 2015
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 328 (129,281)
Citation 16

Abstract:

Loading...

consumption, borrowing, debt, balance sheets, consumer credit, credit cards, banking

Do Consumers Choose the Right Credit Contracts?

The Review of Corporate Finance Studies, Forthcoming
Number of pages: 31 Posted: 11 Aug 2014 Last Revised: 19 Mar 2015
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 155 (263,931)
Citation 16

Abstract:

Loading...

consumption, borrowing, debt, balance sheets, consumer credit, credit cards, banking

14.

Banking the Unbanked: What Do 255 Million New Bank Accounts Reveal about Financial Access?

Columbia Business School Research Paper No. 17-12, Georgetown McDonough School of Business Research Paper No. 2906523, HKUST Finance Symposium 2017, Indian School of Business WP 2906523
Number of pages: 76 Posted: 30 Jan 2017 Last Revised: 13 Nov 2017
Sumit Agarwal, Shashwat Alok, Pulak Ghosh, Soumya Ghosh, Tomasz Piskorski and Amit Seru
National University of Singapore, Indian School of Business (ISB), Hyderabad, Indian Institute of Management (IIMB), Bangalore, State Bank of India, Columbia University - Columbia Business School, Finance and Stanford University
Downloads 1,149 (26,378)
Citation 23

Abstract:

Loading...

Banking, Financial Inclusion, Financial Literacy, Big Data, Financial Access, Savings, Spending, Debit Card, Consumer Finance, Household Finance

15.

Determinants of Automobile Loan Default and Prepayment

Economic Perspectives, Vol. 32, No. 3, 2008
Number of pages: 12 Posted: 19 Sep 2008
Sumit Agarwal, Brent W. Ambrose and Souphala Chomsisengphet
National University of Singapore, Pennsylvania State University and Office of the Comptroller of the Currency (OCC)
Downloads 1,082 (28,767)
Citation 2

Abstract:

Loading...

consumer debt, auto loans, household finance, prepayment, default, Financial Institutions and Services, Duration Analysis, Personal Finance, Asymmetric and Private Information

16.

Financial Counseling, Financial Literacy, and Household Decision Making

Pension Research Council WP 2010-34
Number of pages: 44 Posted: 24 Jun 2010 Last Revised: 17 Nov 2010
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 995 (32,409)
Citation 9

Abstract:

Loading...

Financial literacy, Household finance, Financial Literacy, Consumer Behavior

17.

Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinance Program

Downloads 982 ( 33,041)
Citation 15

Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinance Program

Columbia Business School Research Paper No. 15-85, Kreisman Working Papers Series in Housing Law and Policy No. 27
Number of pages: 77 Posted: 21 Sep 2015 Last Revised: 24 Apr 2020
Sumit Agarwal, Gene Amromin, Souphala Chomsisengphet, Tim Landvoigt, Tomasz Piskorski, Amit Seru and Vincent Yao
National University of Singapore, Federal Reserve Bank of Chicago, Office of the Comptroller of the Currency (OCC), University of Pennsylvania - The Wharton School, Columbia University - Columbia Business School, Finance, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 951 (34,071)
Citation 5

Abstract:

Loading...

Financial Crisis, HARP, Debt, Refinancing, Consumption, Spending, Household Finance, Mortgages, Policy Intervention

Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinancing Program

NBER Working Paper No. w21512
Number of pages: 78 Posted: 31 Aug 2015 Last Revised: 13 Apr 2022
Sumit Agarwal, Gene Amromin, Souphala Chomsisengphet, Tomasz Piskorski, Amit Seru and Vincent Yao
National University of Singapore, Federal Reserve Bank of Chicago, Office of the Comptroller of the Currency (OCC), Columbia University - Columbia Business School, Finance, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 31 (640,123)
Citation 3

Abstract:

Loading...

18.

Mortgage Debt, Hand-to-Mouth Households, and Monetary Policy Transmission

Number of pages: 60 Posted: 27 Dec 2018 Last Revised: 14 Oct 2020
Sumit Agarwal, Yongheng Deng, Quanlin Gu, Jia He, Wenlan Qian and Yuan Ren
National University of Singapore, Wisconsin School of Business, University of Wisconsin-Madison, Peking University, Nankai University, HKU Business School and Zhejiang University
Downloads 964 (33,895)
Citation 3

Abstract:

Loading...

Consumption, Monetary Policy, Disposable Income Shocks, MPC, Mortgage, Housing, Policy, Constraints, Credit Access, Wealthy Hand-to-Mouth, Debt, Deleverage, Credit Cards, Household Finance, China

19.

Why Do Banks Reward Their Customers to Use Their Credit Cards?

FRB of Chicago Working Paper No. 2010-19
Number of pages: 54 Posted: 03 Dec 2010 Last Revised: 30 Dec 2010
Sumit Agarwal, Sujit Chakravorti and Anna Lunn
National University of Singapore, Chakra Advisors LLC and affiliation not provided to SSRN
Downloads 882 (38,452)
Citation 8

Abstract:

Loading...

Household Finance, Financial Incentives, Credit cards

20.

Mobile Wallet and Entrepreneurial Growth

Number of pages: 30 Posted: 27 Dec 2018
Sumit Agarwal, Wenlan Qian, Bernard Yin Yeung and Xin Zou
National University of Singapore, HKU Business School, National University of Singapore - Business School and Hong Kong Baptist University (HKBU)
Downloads 872 (39,072)
Citation 9

Abstract:

Loading...

mobile wallet, cashless payment, entrepreneurship, small business, sales growth, credit card, debit card, banking, fintech, digital economy

21.

The Choice between Arm's-Length and Relationship Debt: Evidence from Eloans

Downloads 856 ( 40,059)
Citation 15

The Choice between Arm's-Length and Relationship Debt: Evidence from Eloans

EFA 2007 Ljubljana Meetings Paper, AFA 2008 New Orleans Meetings Paper
Number of pages: 42 Posted: 04 Mar 2007
Sumit Agarwal and Robert B. H. Hauswald
National University of Singapore and American University - Department of Finance and Real Estate
Downloads 511 (77,371)
Citation 6

Abstract:

Loading...

Relationship lending, transactional debt, differential information, online lending

The Choice Between Arm's-Length and Relationship Debt: Evidence from eLoans

FRB of Chicago Working Paper No. 2008-10
Number of pages: 49 Posted: 25 Nov 2008
Sumit Agarwal and Robert B. H. Hauswald
National University of Singapore and American University - Department of Finance and Real Estate
Downloads 345 (122,311)
Citation 19

Abstract:

Loading...

Relationship Lending, Internet Lending, Soft Information, Banking, Small Business Loans

22.

Consumption and Debt Response to Unanticipated Income Shocks: Evidence from a Natural Experiment in Singapore

Number of pages: 77 Posted: 04 Apr 2013 Last Revised: 24 Jul 2014
Sumit Agarwal and Wenlan Qian
National University of Singapore and HKU Business School
Downloads 823 (42,294)
Citation 59

Abstract:

Loading...

Consumption, Spending, Debt, Credit Cards, Household Finance, Banks, Loans, Durable Goods, Discretionary Spending, Fiscal Policy, Tax Rebates, Liquidity Constraints, Credit Constraints, Precautionary Savings, Anticipated and Unanticipated Income Shocks, Announcement Effects.

23.

Thy Neighbor’s Misfortune: Peer Effect on Consumption

American Economic Journal: Economic Policy, forthcoming
Number of pages: 78 Posted: 19 May 2016 Last Revised: 12 Oct 2020
Sumit Agarwal, Wenlan Qian and Xin Zou
National University of Singapore, HKU Business School and Hong Kong Baptist University (HKBU)
Downloads 771 (46,063)
Citation 17

Abstract:

Loading...

Peer Effect, Social Multiplier, Consumption, Spending, Bankruptcy, Debt, Credit Cards, Household Finance, Banks, Loans, Durable Goods, Discretionary Spending

24.

Predatory Lending and the Subprime Crisis

Downloads 742 ( 48,525)
Citation 39

Predatory Lending and the Subprime Crisis

Journal of Financial Economics (JFE), Forthcoming, Fisher College of Business Working Paper No. 2012-03-008 , Charles A. Dice Center Working Paper No. 2012-8
Number of pages: 56 Posted: 10 May 2012 Last Revised: 11 Feb 2014
Sumit Agarwal, Itzhak Ben-David, Gene Amromin, Souphala Chomsisengphet and Douglas D. Evanoff
National University of Singapore, Ohio State University (OSU) - Department of Finance, Federal Reserve Bank of Chicago, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 704 (51,338)
Citation 1

Abstract:

Loading...

Predatory lending, subprime crisis, household finance, default

Predatory Lending and the Subprime Crisis

NBER Working Paper No. w19550
Number of pages: 56 Posted: 18 Oct 2013 Last Revised: 03 Jun 2022
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 38 (596,560)
Citation 6

Abstract:

Loading...

25.

The Role of Securitization in Mortgage Renegotiation

Fisher College of Business Working Paper No. 2011-03-002, Charles A. Dice Center Working Paper No. 2011-2, FRB of Chicago Working Paper No. 2011-02
Number of pages: 48 Posted: 17 Jan 2011 Last Revised: 14 Mar 2011
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 734 (49,238)
Citation 35

Abstract:

Loading...

Financial Crisis, Loss Mitigation, Mortgage Crisis, Securitization, Lenders, Servicers, Liquidation, Modification, Repayment, Refinance, Default, Delinquency, Borrower, Interest Rates, Household Finance, Credit, Housing, FICO Score, Leverage, LTV, Loan Modiccation, Mortgage, GSE, HAMP, Loan Term

26.

The Reaction of Consumer Spending and Debt to Tax Rebates - Evidence from Consumer Credit Data

Downloads 726 ( 49,927)
Citation 150

The Reaction of Consumer Spending and Debt to Tax Rebates - Evidence from Consumer Credit Data

Number of pages: 45 Posted: 12 Dec 2007 Last Revised: 13 Dec 2011
Sumit Agarwal, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 687 (53,059)
Citation 4

Abstract:

Loading...

consumption, saving, Life-Cycle model, Permanent-Income Hypothesis, liquidity constraints, fiscal policy, tax cuts, tax rebates, windfalls, credit cards, consumer credit, consumer balance sheets, household finance

The Reaction of Consumer Spending and Debt to Tax Rebates -- Evidence from Consumer Credit Data

NBER Working Paper No. w13694
Number of pages: 46 Posted: 21 Dec 2007 Last Revised: 03 Jun 2022
Sumit Agarwal, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 39 (590,939)
Citation 122

Abstract:

Loading...

27.

Disaggregated Sales and Stock Returns

Management Science
Number of pages: 56 Posted: 09 Jan 2017 Last Revised: 11 May 2022
Sumit Agarwal, Wenlan Qian and Xin Zou
National University of Singapore, HKU Business School and Hong Kong Baptist University (HKBU)
Downloads 704 (52,024)
Citation 3

Abstract:

Loading...

return predictability, informed investors, disaggregated sales, customer demand, credit cards, consumption, household finance, financial institution, big data

28.

Does Inequality Cause Financial Distress? Evidence from Lottery Winners and Neighboring Bankruptcies

FRB of Philadelphia Working Paper No. 16-4
Number of pages: 49 Posted: 12 Feb 2016
Sumit Agarwal, Vyacheslav Mikhed and Barry Scholnick
National University of Singapore, Federal Reserve Bank of Philadelphia and University of Alberta - Department of Marketing, Business Economics & Law
Downloads 656 (57,028)

Abstract:

Loading...

Income inequality, Bankruptcy, Conspicuous consumption, Lottery, Financial distress

29.

Disguised Corruption: Evidence from Consumer Credit in China

Number of pages: 68 Posted: 13 Apr 2018 Last Revised: 06 Dec 2018
Sumit Agarwal, Wenlan Qian, Amit Seru and Jian Zhang
National University of Singapore, HKU Business School, Stanford University and The University of Hong Kong - Faculty of Business and Economics
Downloads 652 (57,442)
Citation 14

Abstract:

Loading...

Corruption, Credit Cards, Credit, Debt, Household Finance, Government, Bureaucrats, Banking, Political Connections, China

30.

Public and Private Information: Firm Disclosure, SEC Letters, and the JOBS Act

Georgetown McDonough School of Business Research Paper No. 2891089, Kelley School of Business Research Paper No. 17-4, Gabelli School of Business, Fordham University Research Paper No. 2891089
Number of pages: 70 Posted: 29 Dec 2016 Last Revised: 17 Jun 2017
Sumit Agarwal, Sudip Gupta and Ryan D. Israelsen
National University of Singapore, Johns Hopkins University and Michigan State University - Department of Finance
Downloads 646 (58,153)
Citation 13

Abstract:

Loading...

Mandatory Disclosure, Voluntary Disclosure, SEC, Comment Letters, Information Asymmetry, IPO, JOBS Act, Underpricing, Textual Analysis, Topic Models, Public Information, Private Information, Hard Information, Soft Information

31.

Age of Decision: Pension Savings Withdrawal and Consumption and Debt Response

Number of pages: 56 Posted: 28 Aug 2014 Last Revised: 24 Apr 2018
Sumit Agarwal, Jessica Pan and Wenlan Qian
National University of Singapore, National University of Singapore (NUS) and HKU Business School
Downloads 634 (59,556)
Citation 10

Abstract:

Loading...

Aging, Pension Savings, Consumption, Spending, Debt, Credit Cards, Household Finance, Banks, Loans, Durable Goods, Discretionary Spending, Liquidity Constraints, Credit Constraints

32.

What Shapes Consumer Choice and Financial Products? - A Review

Downloads 627 ( 60,426)
Citation 7

What Shapes Consumer Choice and Financial Products? - A Review

Georgetown McDonough School of Business Research Paper No. 2875886
Number of pages: 19 Posted: 29 Nov 2016 Last Revised: 20 Apr 2017
Sumit Agarwal, Souphala Chomsisengphet and Cheryl Lim
National University of Singapore, Office of the Comptroller of the Currency (OCC) and EDHEC Business School
Downloads 627 (59,678)
Citation 7

Abstract:

Loading...

household finance, consumer finance, consumer behavior, consumer bias, choice inefficiencies, cognitive ability, financial literacy, financial education, consumer financial regulation, mortgage debt, credit card, personal investments, financial products, consumer fintech, P2P consumer lending

What Shapes Consumer Choice and Financial Products? A Review

Annual Review of Financial Economics, Vol. 9, pp. 127-146, 2017
Posted: 03 Jan 2018
Sumit Agarwal, Souphala Chomsisengphet and Cheryl Lim
National University of Singapore, Office of the Comptroller of the Currency (OCC) and EDHEC Business School

Abstract:

Loading...

33.

Access to Home Equity and Consumption: Evidence from a Policy Experiment

Number of pages: 47 Posted: 19 Jun 2013 Last Revised: 30 Sep 2015
Sumit Agarwal and Wenlan Qian
National University of Singapore and HKU Business School
Downloads 604 (63,357)
Citation 14

Abstract:

Loading...

Consumption, Spending, Debt, Credit Cards, Home Equity, Household Finance, Banks, Loans, Durable Goods, Discretionary Spending, Precautionary Savings, Credit Constraints

34.

Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?

Downloads 590 ( 65,269)
Citation 32

Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?

Number of pages: 17 Posted: 15 Jan 2009
Sumit Agarwal, Paige Marta Skiba and Jeremy Tobacman
National University of Singapore, Vanderbilt University - Law School and Alfred Lerner College of Business and Economics, University of Delaware
Downloads 517 (76,258)
Citation 36

Abstract:

Loading...

payday loans, credit cards, liquidity puzzles, household finance, banking, credit scores, personal finance

Payday Loans and Credit Cards: New Liquidity and Credit Scoring Puzzles?

NBER Working Paper No. w14659
Number of pages: 19 Posted: 25 Jan 2009 Last Revised: 23 Jul 2022
Sumit Agarwal, Paige Marta Skiba and Jeremy Tobacman
National University of Singapore, Vanderbilt University - Law School and Alfred Lerner College of Business and Economics, University of Delaware
Downloads 73 (442,776)

Abstract:

Loading...

35.

Refinancing Inequality During the COVID-19 Pandemic

Downloads 586 ( 65,844)
Citation 6

Refinancing Inequality During the COVID-19 Pandemic

Number of pages: 73 Posted: 16 Dec 2020 Last Revised: 19 Oct 2021
Sumit Agarwal, Souphala Chomsisengphet, Hua Kiefer, Leonard C. Kiefer and Paolina C. Medina
National University of Singapore, Office of the Comptroller of the Currency (OCC), FDIC, Federal Home Loan Mortgage Corporation (FHLMC) and Texas A&M University
Downloads 532 (73,579)
Citation 9

Abstract:

Loading...

Mortgage Market, Refinancing, COVID-19, Wealth Inequality

Refinancing Inequality during the COVID-19 Pandemic

FDIC Center for Financial Research Paper No. 2021-08
Number of pages: 74 Posted: 08 Dec 2021
Hua Kiefer, Leonard C. Kiefer, Sumit Agarwal, Paolina C. Medina and Souphala Chomsisengphet
FDIC, Federal Home Loan Mortgage Corporation (FHLMC), National University of Singapore, Texas A&M University and Office of the Comptroller of the Currency (OCC)
Downloads 54 (515,988)

Abstract:

Loading...

36.

Financial Education versus Costly Counseling: How to Dissuade Borrowers from Choosing Risky Mortgages?

American Economic Journal: Economic Policy, Forthcoming, Fisher College of Business Working Paper No. 2008-03-020, Charles A. Dice Center Working Paper No. 2008-20, Paolo Baffi Centre Research Paper No. 2009-51, Networks Financial Institute Working Paper 2011-WP-12, FRB of Chicago Working Paper No. 2009-7, FDIC Center for Financial Research Working Paper No. 2009-04
Number of pages: 57 Posted: 20 Oct 2008 Last Revised: 19 Apr 2019
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 583 (66,268)
Citation 1

Abstract:

Loading...

Financial counseling, subprime crisis, predatory lending, household finance

37.

The Spending and Debt Response to Minimum Wage Hikes

FRB of Chicago Working Paper No. 2007-23
Number of pages: 65 Posted: 13 Jun 2008 Last Revised: 12 Feb 2011
Daniel Aaronson, Sumit Agarwal and Eric French
Federal Reserve Bank of Chicago, National University of Singapore and Faculty of Economics
Downloads 574 (67,628)
Citation 41

Abstract:

Loading...

consumption, minimum wage, debt, liquidity constraint, durables

38.

FinTech, Lending and Payment Innovation: A Review

Asia-Pacific Journal of Financial Studies, 2020
Number of pages: 19 Posted: 06 May 2020
Sumit Agarwal and Jian Zhang
National University of Singapore and The University of Hong Kong - Faculty of Business and Economics
Downloads 544 (72,291)

Abstract:

Loading...

FinTech; Banks; Lending; Payments; Household Finance

39.

The Information Value of Credit Rating Action Reports: A Textual Analysis

Management Science, 2016, Vol 62 (8), 2218-2240
Number of pages: 50 Posted: 23 Jul 2013 Last Revised: 04 Jan 2017
Sumit Agarwal, Vincent Y. S. Chen and Weina Zhang
National University of Singapore, National University of Singapore and Department of Finance, National University of Singapore
Downloads 532 (74,379)
Citation 8

Abstract:

Loading...

Credit Ratings; Credit Rating Agencies; Credit Rating Reports; Linguistic Tone

40.

Government Employment Guarantee, Labor Supply and Firms’ Reaction: Evidence from the Largest Public Workfare Program in the World

Journal of Financial and Quantitative Analysis, March 2021
Number of pages: 58 Posted: 06 Dec 2016 Last Revised: 28 May 2021
Sumit Agarwal, Shashwat Alok, Yakshup Chopra and Prasanna L. Tantri
National University of Singapore, Indian School of Business (ISB), Hyderabad, Washington University in St. Louis - John M. Olin School of Business and Indian School of Business
Downloads 528 (75,052)
Citation 5

Abstract:

Loading...

Workfare, Labor Markets, Labor Supply, Labor Scarcity, Capital Investments, Labor and Finance, Labor-Technology Substitution, MNREGA, NREGS, NREGA

41.

Disguised Pollution: Industrial Activities in the Dark

Number of pages: 71 Posted: 23 Apr 2019 Last Revised: 27 Nov 2020
Sumit Agarwal, Yu Qin and Hongjia Zhu
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and Jinan University
Downloads 525 (75,588)
Citation 2

Abstract:

Loading...

air pollution; disguised behavior; industrial firms; inspections; health; China

42.

Cognitive Abilities and Household Financial Decision Making

FRB of Chicago Working Paper No. 2010-16
Number of pages: 42 Posted: 02 Aug 2010 Last Revised: 30 Mar 2011
Sumit Agarwal and Bhashkar Mazumder
National University of Singapore and Federal Reserve Bank of Chicago
Downloads 524 (75,767)
Citation 24

Abstract:

Loading...

Household finance, Credit Cards, Home Equity, AFQT Scores

43.

The Brokerage Firm Effect in Herding: Evidence from Indonesia

Journal of Financial Research, Forthcoming
Number of pages: 33 Posted: 14 May 2007 Last Revised: 09 Dec 2009
Sumit Agarwal, Chunlin Liu, S. Ghon Rhee and I-Ming Chiu
National University of Singapore, University of Nevada, Reno - College of Business, University of Hawaii at Manoa - Shidler College of Business and Rutgers, The State University of New Jersey - Rutgers University, Camden
Downloads 518 (76,849)

Abstract:

Loading...

Herding behavior, Foreign Investor, Domestic investor, Emerging stock market, Brokerage firm

44.

Systematic Mistakes in the Mortgage Market and Lack of Financial Sophistication

Journal of Financial Economics (JFE), Forthcoming, Charles A. Dice Working Paper No. 2016-09, Fisher College of Business Working Paper No. 2016-03-9
Number of pages: 45 Posted: 12 Jan 2015 Last Revised: 23 Jun 2016
Sumit Agarwal, Itzhak Ben-David and Vincent Yao
National University of Singapore, Ohio State University (OSU) - Department of Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 517 (77,044)
Citation 36

Abstract:

Loading...

Discount points, mortgage decision making, refinancing, leverage, financial literacy, household finance, inattentiveness

45.

Interest Rate Pass-Through and Consumption Response: the Deposit Channel

Number of pages: 68 Posted: 09 Feb 2017 Last Revised: 24 Apr 2020
Sumit Agarwal, Souphala Chomsisengphet, Yildiray Yildirim and Jian Zhang
National University of Singapore, Office of the Comptroller of the Currency (OCC), Zicklin School of Business, Baruch College - The City University of New York and The University of Hong Kong - Faculty of Business and Economics
Downloads 515 (77,403)
Citation 2

Abstract:

Loading...

Interest Rate Shock, Consumption, Big Data, Household Finance, Banking

46.

Roads and Loans

Downloads 511 ( 78,155)
Citation 2

Roads and Loans

Number of pages: 65 Posted: 23 Jan 2018 Last Revised: 12 Jan 2021
Sumit Agarwal, Abhiroop Mukherjee and S Lakshmi Naaraayanan
National University of Singapore, Hong Kong University of Science & Technology (HKUST) - Department of Finance and London Business School
Downloads 471 (85,429)

Abstract:

Loading...

Finance and growth, Infrastructure development and finance, Rural lending

Roads and Loans

HKUST IEMS Working Paper No. 2019-61
Number of pages: 69 Posted: 16 Jul 2019
Sumit Agarwal, Abhiroop Mukherjee and S Lakshmi Naaraayanan
National University of Singapore, Hong Kong University of Science & Technology (HKUST) - Department of Finance and London Business School
Downloads 40 (585,462)
Citation 3

Abstract:

Loading...

Finance and growth, Infrastructure development and finance, Rural lending

47.

Labor Mobility and Loan Origination

Number of pages: 50 Posted: 28 Jun 2019 Last Revised: 02 Sep 2021
Sumit Agarwal, Yupeng Lin, Yunqi ZHANG and Zilong Zhang
National University of Singapore, National University of Singapore, School of Finance, Nankai University and City University of Hong Kong
Downloads 506 (79,079)

Abstract:

Loading...

Mortgage Default, Modification, Loan Screening, Labor Mobility, Trade Secret Law

48.

Tax Evasion, Capital Gains Taxes, and the Housing Market

Number of pages: 91 Posted: 12 Sep 2018 Last Revised: 29 May 2020
Sumit Agarwal, Keyang Li, Yu Qin, Jing Wu and Jubo Yan
National University of Singapore, University of International Business and Economics (UIBE) - School of International Trade and Economics, National University of Singapore (NUS) - Department of Real Estate, Tsinghua University - Hang Lung Center for Real Estate and Nanyang Technological University - School of Social Sciences
Downloads 492 (81,836)
Citation 3

Abstract:

Loading...

Tax Evasion, Tax Avoidance, Capital Gains Tax, Housing Market, Housing Policy

49.

Are Singaporean Cabdrivers Target Earners?

Number of pages: 43 Posted: 11 Oct 2013 Last Revised: 27 Mar 2015
Sumit Agarwal, Mi Diao, Jessica Pan and Tien Foo Sing
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate, National University of Singapore (NUS) and National University of Singapore (NUS) - Department of Real Estate
Downloads 489 (82,431)
Citation 3

Abstract:

Loading...

Labor Supply, Reference Dependent Preferences, Cab Drivers

50.

Loan Prospecting and the Loss of Soft Information

Journal of Financial Economics (JFE), Forthcoming, Fisher College of Business Working Paper No. 2012-03-07, Charles A. Dice Center Working Paper No. 2012-7
Number of pages: 57 Posted: 26 Apr 2012 Last Revised: 16 Jul 2017
Sumit Agarwal and Itzhak Ben-David
National University of Singapore and Ohio State University (OSU) - Department of Finance
Downloads 489 (82,431)
Citation 10

Abstract:

Loading...

loan officers, loan prospecting, information production, banking, soft information, big data, credit default model

51.

Distance and Private Information

Number of pages: 43 Posted: 29 Mar 2008
Sumit Agarwal and Robert B. H. Hauswald
National University of Singapore and American University - Department of Finance and Real Estate
Downloads 485 (83,223)
Citation 99

Abstract:

Loading...

Distance, Small Business, Information Asymmetries, Banking

52.

Earnings Management Behaviors Under Different Economic Environments: Evidence from Japanese Banks

Downloads 469 ( 86,656)

Earnings Management Behaviors Under Different Economic Environments: Evidence from Japanese Banks

Number of pages: 31 Posted: 26 Jan 2005
Sumit Agarwal, Souphala Chomsisengphet, S. Ghon Rhee and Chunlin Liu
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Hawaii at Manoa - Shidler College of Business and University of Nevada, Reno - College of Business
Downloads 469 (85,849)

Abstract:

Loading...

Loan-loss provision, security gains, earnings management; and regulatory capital

Earnings Management Behaviors Under Different Economic Environments: Evidence from Japanese Banks

International Review of Economics and Finance, Forthcoming
Posted: 27 Dec 2005
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and S. Ghon Rhee
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Hawaii at Manoa - Shidler College of Business

Abstract:

Loading...

Loan-Loss Provision, Security Gains, Earnings Management

53.

Impact of Transboundary Haze Pollution on Household Utilities Consumption

Georgetown McDonough School of Business Research Paper No. 2942096
Number of pages: 59 Posted: 28 Mar 2017 Last Revised: 19 Nov 2019
Sumit Agarwal, Tien Foo Sing and Zoe Yang
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and The Chinese University of Hong Kong - CUHK Business School
Downloads 460 (88,712)
Citation 1

Abstract:

Loading...

Transboundary air pollution, haze, environmental externalities, risk avoidance economic activities, household utilities

54.

Adverse Selection in Mortgage Securization

Paolo Baffi Centre Research Paper No. 2010-67
Number of pages: 54 Posted: 08 Jul 2010 Last Revised: 17 Jun 2012
Sumit Agarwal, Yan Chang and Abdullah Yavas
National University of Singapore, Federal Home Loan Mortgage Corporation (FHLMC) and University of Wisconsin - School of Business - Department of Real Estate and Urban Land Economics
Downloads 453 (90,268)
Citation 36

Abstract:

Loading...

55.

Market-Based Loss Mitigation Practices for Troubled Mortgages Following the Financial Crisis

Charles A. Dice Center Working Paper No. 2010-19, Fisher College of Business Working Paper No. 2010-03-019, FRB of Chicago Working Paper No. 2011-03
Number of pages: 46 Posted: 13 Oct 2010 Last Revised: 16 Mar 2011
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 449 (91,215)
Citation 29

Abstract:

Loading...

Financial Crisis, Loss Mitigation, Mortgage Crisis, Lenders, Servicers, Liquidation, Modification, Repayment, Refinance, Default, Delinquency, Borrower, Interest Rates, Household Finance, Credit, Housing, FICO Score, Leverage, LTV, Loan Modification, Mortgage, GSE, HAMP, Loan Term, Loan Balance

56.

The Asset-Backed Securities Markets, the Crisis, and TALF

Economic Perspectives, Vol. 34, No. 4, 2010, FRB of Chicago Working Paper
Number of pages: 15 Posted: 18 Dec 2010
Sumit Agarwal, Jacqueline Barrett, Crystal Cun, Mariacristina De Nardi and Mariacristina De Nardi
National University of Singapore, affiliation not provided to SSRN, affiliation not provided to SSRN and Federal Reserve Bank of ChicagoUniversity College London, Economics Dpt.
Downloads 446 (91,953)
Citation 4

Abstract:

Loading...

securitization, credit crises, TALF

57.

Impact of Electronic Road Pricing on Real Estate Prices in Singapore

Number of pages: 34 Posted: 02 May 2014 Last Revised: 16 Aug 2017
Sumit Agarwal, Kang Mo Koo and Tien Foo Sing
National University of Singapore, Hana Institute of Finance and National University of Singapore (NUS) - Department of Real Estate
Downloads 434 (94,914)
Citation 2

Abstract:

Loading...

Congestion Tax, Traffic Management, Electric Road Pricing (ERP), Externality Effect, Real Estate Prices

58.

An Empirical Analysis of Home Equity Loan and Line Performance

Downloads 430 ( 95,947)
Citation 10

An Empirical Analysis of Home Equity Loan and Line Performance

Number of pages: 44 Posted: 17 Sep 2004
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 430 (95,143)
Citation 10

Abstract:

Loading...

Home Equity Loans and Lines, Prepayment, Capital Regulations

An Empirical Analysis of Home Equity Loan and Line Performance

Posted: 14 Apr 2005
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business

Abstract:

Loading...

Home Equity Loans and Lines, Prepayment, Capital Regulations

59.

Consumption Responses to Temporary Tax Incentives: Evidence from State Sales Holidays

Number of pages: 53 Posted: 20 Nov 2012 Last Revised: 14 Jun 2013
Sumit Agarwal, Nathan Marwell and Leslie McGranahan
National University of Singapore, University of Wisconsin - Madison and Federal Reserve Bank of Chicago
Downloads 422 (98,041)
Citation 15

Abstract:

Loading...

Consumption, State Sales Tax Holidays, Back to School, Credit Cards, Household Finance, Shopping, Spending

60.

Superstition, Conspicuous Spending, and Housing Markets: Evidence from Singapore

Downloads 413 (100,484)
Citation 9

Superstition, Conspicuous Spending, and Housing Markets: Evidence from Singapore

Number of pages: 36 Posted: 29 Mar 2014 Last Revised: 10 Jun 2019
Sumit Agarwal, Jia He, Haoming Liu, Ivan P. L. Png, Tien Foo Sing and Wei-Kang Wong
National University of Singapore, Nankai University, National University of Singapore (NUS) - Department of Economics, National University of Singapore (NUS), National University of Singapore (NUS) - Department of Real Estate and National University of Singapore (NUS) - Department of Economics
Downloads 350 (120,443)
Citation 10

Abstract:

Loading...

Superstition, conspicuous spending, real estate, prices, behavioral economics

Superstition, Conspicuous Spending, and Housing Markets: Evidence from Singapore

IZA Discussion Paper No. 9899
Number of pages: 37 Posted: 25 Apr 2016
Sumit Agarwal, Jia He, Haoming Liu, Ivan P. L. Png, Tien Foo Sing and Wei-Kang Wong
National University of Singapore, Nankai University, National University of Singapore (NUS) - Department of Economics, National University of Singapore (NUS), National University of Singapore (NUS) - Department of Real Estate and National University of Singapore (NUS) - Department of Economics
Downloads 63 (478,913)

Abstract:

Loading...

superstition, conspicuous spending, real estate, prices, behavioral economics

61.

Did the Paycheck Protection Program Help Small Businesses? Evidence from Commercial Mortgage-backed Securities

Number of pages: 75 Posted: 16 Aug 2020 Last Revised: 23 Mar 2022
Sumit Agarwal, Brent W. Ambrose, Luis A. Lopez and Xue Xiao
National University of Singapore, Pennsylvania State University, University of Illinois at Chicago and Pennsylvania State University
Downloads 406 (102,454)
Citation 4

Abstract:

Loading...

COVID-19, CARES Act, Paycheck Protection Program, Mortgages

62.

The Politics of Foreclosures

Journal of Finance, Forthcoming, Georgetown McDonough School of Business Research Paper No. 3054046, Fisher College of Business Working Paper No. 2017-03-021, Charles A. Dice Working Paper No. 2017-21
Number of pages: 111 Posted: 17 Oct 2017 Last Revised: 06 Jan 2018
Sumit Agarwal, Gene Amromin, Itzhak Ben-David and Serdar Dinc
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance and Rutgers University
Downloads 402 (103,672)
Citation 5

Abstract:

Loading...

Political Economy, Real Estate Lending, Household Finance, Financial Crisis, Lobbying

63.

Searching for Approval

Downloads 399 (104,588)
Citation 3

Searching for Approval

Number of pages: 77 Posted: 30 Jun 2020
Sumit Agarwal, John Grigsby, Ali Hortaçsu, Gregor Matvos, Amit Seru and Vincent Yao
National University of Singapore, University of Chicago, University of Chicago, Northwestern University - Kellogg School of Management, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 380 (109,741)

Abstract:

Loading...

Search, Screening, Mortgages, Credit Markets, Approval, Rejection, Fintech, AI, CRA

Searching for Approval

NBER Working Paper No. w27341
Number of pages: 78 Posted: 09 Jun 2020 Last Revised: 11 Apr 2022
Sumit Agarwal, John Grigsby, Ali Hortaçsu, Gregor Matvos, Amit Seru and Vincent Yao
National University of Singapore, University of Chicago, University of Chicago, Northwestern University - Kellogg School of Management, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 19 (734,025)
Citation 4

Abstract:

Loading...

64.

Why Do Borrowers Make Mortgage Refinancing Mistakes?

Downloads 383 (109,638)
Citation 27

Why Do Borrowers Make Mortgage Refinancing Mistakes?

Forthcoming, Management Science
Number of pages: 46 Posted: 07 Jun 2014 Last Revised: 01 Jun 2015
Sumit Agarwal, Richard J. Rosen and Vincent Yao
National University of Singapore, Federal Reserve Bank of Chicago - Economic Research and Georgia State University - J. Mack Robinson College of Business
Downloads 255 (167,701)
Citation 12

Abstract:

Loading...

Household Finance, Mortgages, Refinance, Option Value, Financial Crisis, Rational Inattention

Why Do Borrowers Make Mortgage Refinancing Mistakes?

FRB of Chicago Working Paper No. 2013-02
Number of pages: 52 Posted: 04 May 2013
Sumit Agarwal, Richard J. Rosen and Vincent Yao
National University of Singapore, Federal Reserve Bank of Chicago - Economic Research and Georgia State University - J. Mack Robinson College of Business
Downloads 128 (306,963)
Citation 26

Abstract:

Loading...

Household Finance, Mortgages, Refinance, Option Value, Financial Crisis, Rational Inattention

65.

Fickle Fingers: Ride-Hail Surge Factors and Taxi Bookings

Number of pages: 49 Posted: 25 Apr 2018 Last Revised: 24 Jun 2020
Sumit Agarwal, Ben Charoenwong, Shih-Fen Cheng and Jussi Keppo
National University of Singapore, National University of Singapore - Department of Finance, Singapore Management University - School of Information Systems and National University of Singapore - NUS Business School
Downloads 381 (110,252)
Citation 1

Abstract:

Loading...

transportation economics, surge pricing, consumer behavior, big data analytics

66.

Matching in Housing Markets: The Role of Ethnic Social Networks

Georgetown McDonough School of Business Research Paper No. 2888268
Number of pages: 65 Posted: 21 Dec 2016 Last Revised: 06 Jul 2018
Sumit Agarwal, Hyun-Soo Choi, Jia He and Tien Foo Sing
National University of Singapore, KAIST College of Business, Nankai University - School of Economics and National University of Singapore (NUS) - Department of Real Estate
Downloads 369 (114,306)
Citation 7

Abstract:

Loading...

Ethnic Matching, Social Networks, Housing Transactions, Cash-Over-Valuation (COV)

67.

Tax Differential and Cross-Border Shopping: Evidence from Singapore

Downloads 358 (118,229)
Citation 4

Tax Differential and Cross-Border Shopping: Evidence from Singapore

Number of pages: 49 Posted: 08 May 2013 Last Revised: 02 Mar 2017
Sumit Agarwal, Souphala Chomsisengphet, Wenlan Qian and Weibiao Xu
National University of Singapore, Office of the Comptroller of the Currency (OCC), HKU Business School and National University of Singapore (NUS)
Downloads 259 (165,154)
Citation 3

Abstract:

Loading...

Consumption, Spending, Credit Cards, Household Finance, Banks, Discretionary Spending, Fiscal Policy, Tax

Tax Differential and Cross-Border Shopping: Evidence from Singapore

Georgetown McDonough School of Business Research Paper No. 3038550
Number of pages: 41 Posted: 19 Sep 2017 Last Revised: 12 Apr 2018
Sumit Agarwal, Souphala Chomsisengphet, Wenlan Qian and Weibiao Xu
National University of Singapore, Office of the Comptroller of the Currency (OCC), HKU Business School and Nankai University - School of Finance
Downloads 99 (368,019)
Citation 3

Abstract:

Loading...

Cross Border Shopping, Consumption, Spending, Credit Cards, Household Finance, Banks, Discretionary Spending, Fiscal Policy, Taxation

68.

Golf Buddies and Board Diversity

Number of pages: 17 Posted: 13 Dec 2015
Sumit Agarwal, Wenlan Qian, David M. Reeb and Tien Foo Sing
National University of Singapore, HKU Business School, National University of Singapore and National University of Singapore (NUS) - Department of Real Estate
Downloads 351 (120,837)
Citation 1

Abstract:

Loading...

Board of Directors, Golf, Gender, Board Diversity

69.

Why Do Real Estate Agents Buy Houses at Lower Prices? Cherry Picking or Bargaining Power

Number of pages: 47 Posted: 02 Apr 2015 Last Revised: 10 Jan 2016
Sumit Agarwal, Jia He, Tien Foo Sing and Changcheng Song
National University of Singapore, Nankai University - School of Economics, National University of Singapore (NUS) - Department of Real Estate and Singapore Management University
Downloads 350 (121,219)
Citation 2

Abstract:

Loading...

Housing market, Real estate agents, Information Advantages, Cherry Picking, Bargaining Power, Agency Problem, Market Distortion

70.

Impact of Electronic Road Pricing (ERP) Changes on Transport Modal Choice

Regional Science and Urban Economics, Vol. 60, 2016
Number of pages: 30 Posted: 09 Aug 2015 Last Revised: 07 May 2018
Sumit Agarwal and Kang Mo Koo
National University of Singapore and Hana Institute of Finance
Downloads 344 (123,502)

Abstract:

Loading...

Congestion Charge, Traffic Management, Electric Road Pricing (ERP), Transport Modal Choice

71.

Benefits of Relationship Banking: Evidence from Consumer Credit Markets

Downloads 335 (127,113)
Citation 25

Benefits of Relationship Banking: Evidence from Consumer Credit Markets

FRB of Chicago Working Paper No. 2010-05
Number of pages: 45 Posted: 24 Jul 2010
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 196 (215,547)
Citation 24

Abstract:

Loading...

Relationship Banking; Credit Cards, Consumer Credit, Deposits, Investments

Benefits of Relationship Banking: Evidence from Consumer Credit Markets

Number of pages: 50 Posted: 19 Mar 2009 Last Revised: 19 Sep 2017
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu, Changcheng Song and Nicholas S. Souleles
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business, Singapore Management University and University of Pennsylvania - Finance Department
Downloads 139 (288,144)
Citation 15

Abstract:

Loading...

Relationship Banking, Credit Cards, Consumer Credit, Deposits, Investments, Household Finance

Benefits of Relationship Banking: Evidence from Consumer Credit Markets

Posted: 31 Jul 2009 Last Revised: 16 Sep 2017
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department

Abstract:

Loading...

Relationship Banking, Credit Cards, Consumer Credit, Deposits, Investments, Household Finance

72.

Preferences of Public Transit Commuters: Evidence from Smart Card Data in Singapore

Georgetown McDonough School of Business Research Paper No. 3036259
Number of pages: 47 Posted: 15 Sep 2017 Last Revised: 05 Oct 2020
Sumit Agarwal, Mi Diao, Jussi Keppo and Tien Foo Sing
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate, National University of Singapore - NUS Business School and National University of Singapore (NUS) - Department of Real Estate
Downloads 322 (132,535)

Abstract:

Loading...

Public transportation, travel preference, value of travel time, value of reliability, big data

73.

Investor Demand for Ipos and Aftermarket Performance: Evidence from the Hong Kong Stock Market

Downloads 321 (132,949)
Citation 11

Investor Demand for Ipos and Aftermarket Performance: Evidence from the Hong Kong Stock Market

Working Paper No. 10-4
Number of pages: 33 Posted: 07 Dec 2004
Sumit Agarwal, Chunlin Liu and S. Ghon Rhee
National University of Singapore, University of Nevada, Reno - College of Business and University of Hawaii at Manoa - Shidler College of Business
Downloads 321 (132,215)
Citation 11

Abstract:

Loading...

Initial Public Offering, Aftermarket Performance, Investor Demand

Investor Demand for Ipos and Aftermarket Performance: Evidence from the Hong Kong Stock Market

Journal of International Financial Markets, Institutions and Money, Forthcoming
Posted: 07 Jun 2006
Sumit Agarwal, Chunlin Liu and S. Ghon Rhee
National University of Singapore, University of Nevada, Reno - College of Business and University of Hawaii at Manoa - Shidler College of Business

Abstract:

Loading...

Initial Public Offering, Aftermarket Performance, Investor Demand

74.

Authority and Information

AFA 2011 Denver Meetings Paper
Number of pages: 37 Posted: 06 Mar 2010 Last Revised: 16 Mar 2011
Sumit Agarwal and Robert B. H. Hauswald
National University of Singapore and American University - Department of Finance and Real Estate
Downloads 318 (134,197)
Citation 19

Abstract:

Loading...

Information, Authority, Small Business Lending, Banking, Soft Information

75.

Digital Payments and Consumption: Evidence from the 2016 Demonetization in India

Number of pages: 57 Posted: 28 Jul 2020
Sumit Agarwal, Pulak Ghosh, Jing Li and Tianyue Ruan
National University of Singapore, Indian Institute of Management (IIMB), Bangalore, Singapore Management University and National University of Singapore (NUS) - Department of Finance
Downloads 315 (135,536)
Citation 4

Abstract:

Loading...

digital payments, financial technology, consumption, India, Demonetization

76.

How Does Financial Literacy Affect Mortgage Default?

Downloads 311 (137,417)
Citation 1

How Does Financial Literacy Affect Mortgage Default?

Number of pages: 48 Posted: 02 May 2015 Last Revised: 25 Jan 2017
Sumit Agarwal, Souphala Chomsisengphet and Yunqi ZHANG
National University of Singapore, Office of the Comptroller of the Currency (OCC) and School of Finance, Nankai University
Downloads 311 (136,707)
Citation 1

Abstract:

Loading...

financial literacy, mortgages, financial crisis, household finance

How Does Working in a Finance Profession Affect Mortgage Delinquency?

Journal of Banking and Finance, Forthcoming, Georgetown McDonough School of Business Research Paper No. 2904846
Posted: 25 Jan 2017
Sumit Agarwal, Souphala Chomsisengphet and Yunqi ZHANG
National University of Singapore, Office of the Comptroller of the Currency (OCC) and School of Finance, Nankai University

Abstract:

Loading...

Mortgage, Financial crisis, Household finance, Financial professional

77.

Serving the Underserved: Microcredit as a Pathway to Commercial Banks

Downloads 310 (137,899)

Serving the Underserved: Microcredit as a Pathway to Commercial Banks

Number of pages: 79 Posted: 07 Oct 2018 Last Revised: 01 Apr 2021
Sumit Agarwal, Thomas Kigabo, Camelia Minoiu, Andrea Presbitero and André F. Silva
National University of Singapore, National Bank of Rwanda, Board of Governors of the Federal Reserve System, International Monetary Fund (IMF) and Board of Governors of the Federal Reserve System
Downloads 239 (178,697)

Abstract:

Loading...

Access to credit, microfinance, unbanked, credit bureau, bank loans

Financial Access Under the Microscope

IMF Working Paper No. 18/208
Number of pages: 56 Posted: 15 Nov 2018
Sumit Agarwal, Thomas Kigabo, Camelia Minoiu, Andrea Presbitero and André F. Silva
National University of Singapore, National Bank of Rwanda, Board of Governors of the Federal Reserve System, International Monetary Fund (IMF) and Board of Governors of the Federal Reserve System
Downloads 51 (529,731)

Abstract:

Loading...

Microfinance, Africa, Financial inclusion, loan expansion program, credit reference bureau, Microeconomic Analyses of Economic Development

Serving the Underserved: Microcredit as a Pathway to Commercial Banks

FEDS Working Paper No. 2021-41
Number of pages: 78 Posted: 28 Jul 2021 Last Revised: 18 Jun 2022
Sumit Agarwal, Thomas Kigabo, Camelia Minoiu, Andrea Presbitero and André F. Silva
National University of Singapore, National Bank of Rwanda, Board of Governors of the Federal Reserve System, International Monetary Fund (IMF) and Board of Governors of the Federal Reserve System
Downloads 20 (725,362)

Abstract:

Loading...

Access to credit, Microfinance, Unbanked, credit bureaus, Bank loans

Serving the Underserved: Microcredit as a Pathway to Commercial Banks

CEPR Discussion Paper No. DP16013
Number of pages: 83 Posted: 14 May 2021
Sumit Agarwal, Thomas Kigabo, Camelia Minoiu, Andrea Presbitero and André F. Silva
National University of Singapore, National Bank of Rwanda, Board of Governors of the Federal Reserve System, International Monetary Fund (IMF) and Board of Governors of the Federal Reserve System
Downloads 0
  • Add to Cart

Abstract:

Loading...

78.

Saving Tax Incentives and Consumption: Evidence from a Policy Experiment

Number of pages: 56 Posted: 17 Aug 2017 Last Revised: 29 Jun 2022
Sumit Agarwal, Souphala Chomsisengphet, Pulak Ghosh, Tianyue Ruan and Man Zhang
National University of Singapore, Office of the Comptroller of the Currency (OCC), Indian Institute of Management (IIMB), Bangalore, National University of Singapore (NUS) - Department of Finance and University of Sydney
Downloads 306 (139,798)
Citation 1

Abstract:

Loading...

Tax Policy, Consumption, Saving, Debit Cards, Household Finance, Banks, Discretionary Spending, Fiscal Policy

79.

Minimum Wage Increases and Eviction Risk

Downloads 304 (140,778)
Citation 1

Minimum Wage Increases and Eviction Risk

Journal of Urban Economics, Forthcoming
Number of pages: 57 Posted: 21 Dec 2018 Last Revised: 08 Dec 2021
Sumit Agarwal, Brent W. Ambrose and Moussa Diop
National University of Singapore, Pennsylvania State University and University of Southern California
Downloads 303 (140,538)
Citation 1

Abstract:

Loading...

Minimum Wage Increase, Lease Defaults, Rental Market, Household Income

Do Minimum Wage Increases Benefit Intended Households? Evidence from the Performance of Residential Leases

FRB of Philadelphia Working Paper No. 19-28
Number of pages: 42 Posted: 17 Jul 2019
Sumit Agarwal, Brent W. Ambrose and Moussa Diop
National University of Singapore, Federal Reserve Banks - Federal Reserve Bank of Philadelphia and University of Southern California
Downloads 1 (932,336)

Abstract:

Loading...

minimum wage increases, lease defaults, rental market, household income

80.

Learning to Cope: Voluntary Financial Education Programs and Loan Performance During a Housing Crisis

Charles A. Dice Center Working Paper No. 2009-23 , AFA 2010 Atlanta Meetings Paper
Number of pages: 15 Posted: 29 Dec 2009 Last Revised: 09 May 2015
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 304 (140,778)
Citation 7

Abstract:

Loading...

Financial education, Mortgage crisis, Counseling, Mortgage default, Financial literacy, Subprime crisis, Household finance, default, homeowner, loan, debt, household finance, leverage, financial literacy, delinquency, debt literacy, financial planning

81.

Financial Decision Making When Buying and Owning a Home

Number of pages: 40 Posted: 21 Sep 2014
Sumit Agarwal, Crocker Herbert Liu, Walter N. Torous and Vincent Yao
National University of Singapore, Cornell University - School of Hotel Administration, Massachusetts Institute of Technology and Georgia State University - J. Mack Robinson College of Business
Downloads 302 (141,742)
Citation 5

Abstract:

Loading...

Household Finance, Mortgages, Refinance, Option Value, Financial Crisis

82.

Terrorist Attacks and Household Consumption Smoothing through Credit Cards

Number of pages: 51 Posted: 09 Mar 2021 Last Revised: 21 Jul 2022
Sumit Agarwal, Pulak Ghosh, Weiqiang Tan, Weiqiang Tan and Xin Zou
National University of Singapore, Indian Institute of Management (IIMB), Bangalore, Education University of Hong KongThe Education University of Hong Kong and Hong Kong Baptist University (HKBU)
Downloads 290 (147,887)

Abstract:

Loading...

Terrorist attacks, consumption smoothing, economic uncertainty, precautionary liquidity demand, credit cards, bank cards, household finance

83.

The Impact of Fertility Relaxation on Gender Wage Gap

Number of pages: 45 Posted: 10 Jan 2020 Last Revised: 10 Jan 2022
Sumit Agarwal, Keyang Li, Yu Qin and Jing Wu
National University of Singapore, University of International Business and Economics (UIBE) - School of International Trade and Economics, National University of Singapore (NUS) - Department of Real Estate and Tsinghua University - Hang Lung Center for Real Estate
Downloads 290 (147,887)

Abstract:

Loading...

One-Child Policy; Gender Wage Gap; Labor Market

84.

The Mistakes People Make: Financial Decision Making when Buying and Owning a Home

MIT Center for Real Estate Research Paper No. 21/09
Number of pages: 56 Posted: 17 Feb 2021
Sumit Agarwal, Crocker Herbert Liu, Walter N. Torous and Vincent Yao
National University of Singapore, Cornell University - School of Hotel Administration, Massachusetts Institute of Technology and Georgia State University - J. Mack Robinson College of Business
Downloads 286 (149,972)

Abstract:

Loading...

Household Finance, Mortgages, Refinance, Option Value, Financial Crisis

85.

Fortunes of Dragons: Cohort Size Effects on Life Outcomes

Agarwal, Sumit, Wenlan Qian, Tien Foo Sing and Poh Lin Tan. 2021. Fortunes of Dragons: Cohort Size Effects on Life Outcomes. Population Studies 75(2): 191-207. DOI: 10.1080/00324728.2020.1864458
Number of pages: 43 Posted: 08 Sep 2017 Last Revised: 08 Sep 2021
Sumit Agarwal, Wenlan Qian, Tien Foo Sing and Poh Lin Tan
National University of Singapore, HKU Business School, National University of Singapore (NUS) - Department of Real Estate and National University of Singapore (NUS) - Lee Kuan Yew School of Public Policy
Downloads 286 (149,972)
Citation 6

Abstract:

Loading...

Cohort Size, Cohort Effect, Superstition, Fertility, Education, Income, Consumption, Consumer Behavior, Household Finance

86.

Holdup by Junior Claimholders: Evidence from the Mortgage Market

Downloads 285 (150,493)
Citation 9

Holdup by Junior Claimholders: Evidence from the Mortgage Market

Journal of Financial and Quantitative Analysis (JFQA), Forthcoming, Charles A. Dice Center Working Paper No. 2014-02, Fisher College of Business Working Paper No. 2014-03-02
Number of pages: 47 Posted: 15 Mar 2012 Last Revised: 02 Nov 2017
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Yan Zhang
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Government of the United States of America - Office of the Comptroller of the Currency (OCC)
Downloads 264 (161,963)
Citation 9

Abstract:

Loading...

Subprime Crisis, Household Finance, Second Liens, Mortgages, Holdup Problem

Holdup by Junior Claimholders: Evidence from the Mortgage Market

NBER Working Paper No. w20015
Number of pages: 47 Posted: 31 Mar 2014 Last Revised: 11 Mar 2022
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Yan Zhang
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Office of the Comptroller of the Currency (OCC) and Government of the United States of America - Office of the Comptroller of the Currency (OCC)
Downloads 21 (716,897)

Abstract:

Loading...

87.

Privacy versus Convenience: Customer Response to Data Breaches of Their Information

Number of pages: 112 Posted: 30 Nov 2020 Last Revised: 29 Jun 2022
Sumit Agarwal, Pulak Ghosh, Tianyue Ruan and Yunqi ZHANG
National University of Singapore, Indian Institute of Management (IIMB), Bangalore, National University of Singapore (NUS) - Department of Finance and School of Finance, Nankai University
Downloads 284 (151,046)

Abstract:

Loading...

data breach, convenience, privacy, digital economy

88.

Loan Commitments and Private Firms

Number of pages: 22 Posted: 22 Sep 2004
Sumit Agarwal, Souphala Chomsisengphet and John C. Driscoll
National University of Singapore, Office of the Comptroller of the Currency (OCC) and Board of Governors of the Federal Reserve System
Downloads 279 (153,701)
Citation 13

Abstract:

Loading...

Bank loan commitment; credit lines, private firms

89.

Impact of Transboundary Air Pollution on Service Quality and Consumer Satisfaction

Downloads 278 (154,278)
Citation 2

Impact of Transboundary Air Pollution on Service Quality and Consumer Satisfaction

Journal of Economic Behavior and Organization, Forthcoming
Number of pages: 45 Posted: 26 Jun 2018 Last Revised: 19 Oct 2021
Sumit Agarwal, Long Wang and Zoe Yang
National University of Singapore, Fudan University and The Chinese University of Hong Kong - CUHK Business School
Downloads 227 (187,714)

Abstract:

Loading...

Air Pollution, Service Quality, Customer Review, Machine Learning

Blessing in Disguise? Environmental Shocks and Performance Enhancement

ShanghaiTech SEM Working Paper No. 2018-012
Number of pages: 71 Posted: 24 Jul 2018 Last Revised: 07 Oct 2019
Sumit Agarwal, Long Wang and Zoe Yang
National University of Singapore, Fudan University and The Chinese University of Hong Kong - CUHK Business School
Downloads 51 (529,731)
Citation 3

Abstract:

Loading...

Air Pollution, Service Quality, Customer Review, Natural Language Processing, Machine Learning

90.

Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market

Downloads 278 (154,278)
Citation 37

Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market

Number of pages: 47 Posted: 15 Dec 2013
Sumit Agarwal, Itzhak Ben-David and Vincent Yao
National University of Singapore, Ohio State University (OSU) - Department of Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 192 (219,503)
Citation 2

Abstract:

Loading...

collateral valuation, lending, banks, loans, default, financial crisis

Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market

Fisher College of Business Working Paper No. 2012-03-011, Charles A. Dice Center Working Paper No. 2012-11
Number of pages: 47 Posted: 02 Jul 2012 Last Revised: 10 Feb 2014
Sumit Agarwal, Itzhak Ben-David and Vincent Yao
National University of Singapore, Ohio State University (OSU) - Department of Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 72 (446,169)

Abstract:

Loading...

collateral valuation, institutional pressure, lending, banks, loans, default, financial crisis

Collateral Valuation and Borrower Financial Constraints: Evidence from the Residential Real Estate Market

NBER Working Paper No. w19606
Number of pages: 51 Posted: 01 Nov 2013 Last Revised: 29 Jul 2022
Sumit Agarwal, Itzhak Ben-David and Vincent Yao
National University of Singapore, Ohio State University (OSU) - Department of Finance and Georgia State University - J. Mack Robinson College of Business
Downloads 14 (780,155)
Citation 15

Abstract:

Loading...

91.

Gender Gap in Personal Bankruptcy Risks: Empirical Evidence from Singapore

Review of Finance, Forthcoming, 27th Australasian Finance and Banking Conference 2014 Paper
Number of pages: 55 Posted: 22 Oct 2013 Last Revised: 07 Oct 2016
Sumit Agarwal, Jia He, Tien Foo Sing and Jian Zhang
National University of Singapore, Nankai University, National University of Singapore (NUS) - Department of Real Estate and The University of Hong Kong - Faculty of Business and Economics
Downloads 271 (158,374)
Citation 1

Abstract:

Loading...

Personal Bankruptcy, Gender, Risk Aversion, Household Finance

92.

Why Do Foreign Investors Underperform Domestic Investors in Trading Activities? Evidence from Indonesia

Journal of Financial Markets, Forthcoming
Number of pages: 37 Posted: 01 Feb 2007 Last Revised: 09 Mar 2008
Sumit Agarwal, Sheri Faircloth, S. Ghon Rhee and Chunlin Liu
National University of Singapore, University of Nevada, Reno - College of Business Administration, University of Hawaii at Manoa - Shidler College of Business and University of Nevada, Reno - College of Business
Downloads 271 (158,374)

Abstract:

Loading...

Trading performance, Foreign Investor, Domestic investor, Poor timing of trade hypothesis, Information advantage hypothesis, Aggressive trading hypothesis, Initiated orders, Non-initiated orders, Indonesian stock market

93.

Adverse Selection in the Credit Card Market: Evidence from Randomized Trials of Credit Card Solicitations

Journal of Money, Credit and Banking, Forthcoming
Number of pages: 18 Posted: 01 Apr 2010
Sumit Agarwal, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 269 (159,524)
Citation 19

Abstract:

Loading...

Household Finance, Adverse Selection, Credit Cards, Consumer Credit, Information Asymmetry

94.

The Composition Effect of Consumption around Retirement: Evidence from Singapore

Number of pages: 18 Posted: 01 Nov 2014
Sumit Agarwal, Jessica Pan and Wenlan Qian
National University of Singapore, National University of Singapore (NUS) and HKU Business School
Downloads 266 (161,339)
Citation 7

Abstract:

Loading...

Life Cycle, Aging, Pension Savings, Consumption, Spending, Debt, Credit Cards, Household Finance, Banks, Loans, Durable Goods, Discretionary Spending, Liquidity Constraints, Credit Constraints

95.

Consumer Bankruptcy and Default: The Role of Individual Social Capital

Journal of Economic Psychology, Forthcoming
Number of pages: 37 Posted: 23 May 2009 Last Revised: 30 Nov 2010
Sumit Agarwal, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 264 (162,575)
Citation 2

Abstract:

Loading...

Social Capital, Consumer Bankruptcy, Default, Credit Risk, Credit Cards, Banking

96.

In the Mood to Consume: Effect of Sunshine on Credit Card Spending

Journal of Banking and Finance, Forthcoming
Number of pages: 48 Posted: 23 Oct 2017 Last Revised: 12 Oct 2020
Sumit Agarwal, Souphala Chomsisengphet, Stephan Meier and Xin Zou
National University of Singapore, Office of the Comptroller of the Currency (OCC), Columbia University - Columbia Business School and Hong Kong Baptist University (HKBU)
Downloads 259 (165,766)

Abstract:

Loading...

Credit Cards, Mood, Sunshine, Household Finance, Consumption

97.

The Term Structure of Lease Rates with Endogenous Default Triggers and Tenant Capital Structure: Theory and Evidence

Number of pages: 39 Posted: 25 May 2009
Sumit Agarwal, Brent W. Ambrose, Henry Hongren Huang and Yildiray Yildirim
National University of Singapore, Pennsylvania State University, National Central University and Zicklin School of Business, Baruch College - The City University of New York
Downloads 258 (166,386)
Citation 1

Abstract:

Loading...

leasing valuation, credit risk, endogenous default

98.

Can Regulation De-bias Appraisers?

Journal of Financial Intermediation, Forthcoming
Number of pages: 35 Posted: 21 Dec 2014 Last Revised: 23 Apr 2019
Sumit Agarwal, Brent W. Ambrose and Vincent Yao
National University of Singapore, Pennsylvania State University and Georgia State University - J. Mack Robinson College of Business
Downloads 255 (168,320)
Citation 21

Abstract:

Loading...

mortgages, valuation, financial crisis, regulations, appraisal bias

99.

Dissecting the Information Value of Sovereign Credit Rating Reports

Number of pages: 52 Posted: 18 Nov 2014 Last Revised: 05 Apr 2019
Sumit Agarwal, Vincent Y. S. Chen, Geoffrey Sim and Weina Zhang
National University of Singapore, National University of Singapore, Credit Suisse and Department of Finance, National University of Singapore
Downloads 248 (172,851)
Citation 1

Abstract:

Loading...

Eurozone Sovereign Debt Crisis, Linguistic Tone, Naïve Bayesian Algorithm, Sovereign Credit Default Swaps, Sovereign Credit Rating Reports

100.

Liquidity Dynamics between REIT and Property Markets

27th Australasian Finance and Banking Conference 2014 Paper
Number of pages: 59 Posted: 07 Feb 2014 Last Revised: 20 Aug 2014
Sumit Agarwal and Maggie Hu
National University of Singapore and The Chinese University of Hong Kong
Downloads 241 (177,765)
Citation 2

Abstract:

Loading...

real estate investment trust, liquidity, property market, VAR model

101.

Learning by Driving: Evidence from Taxi Driver Wages in Singapore

Number of pages: 38 Posted: 08 Dec 2015 Last Revised: 06 Nov 2016
Sumit Agarwal, Shih-Fen Cheng, Jussi Keppo and Ryoko Sato
National University of Singapore, Singapore Management University - School of Information Systems, National University of Singapore - NUS Business School and National University of Singapore (NUS)
Downloads 237 (180,585)
Citation 3

Abstract:

Loading...

Learning-by-doing, Wages, Labor Supply, Taxi Drivers

102.

Who Pays For Your Rewards? Cross-Subsidization in the Credit Card Market

Number of pages: 51 Posted: 07 Jun 2022
Sumit Agarwal, Andrea Presbitero, André F. Silva and Carlo Wix
National University of Singapore, International Monetary Fund (IMF), Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 232 (184,280)

Abstract:

Loading...

Credit Cards, Credit Card Rewards, Financial Sophistication

103.

Road to Stock Market Participation

Number of pages: 63 Posted: 02 Aug 2021
Sumit Agarwal, Meghana Ayyagari, Meghana Ayyagari, Yuxi Cheng and Pulak Ghosh
National University of Singapore, George Washington University - School of BusinessUniversity of Maryland - Robert H. Smith School of Business, George Washington University and Indian Institute of Management (IIMB), Bangalore
Downloads 226 (188,863)

Abstract:

Loading...

Trading behavior, Financial Inclusion, Information, Banks, Infrastructure

104.

Liberalizing Home-Based Business

Georgetown McDonough School of Business Research Paper No. 3136792
Number of pages: 68 Posted: 13 Mar 2018 Last Revised: 29 Oct 2021
Sumit Agarwal, Tien Foo Sing, Changcheng Song and Jian Zhang
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate, Singapore Management University and The University of Hong Kong - Faculty of Business and Economics
Downloads 226 (188,863)
Citation 1

Abstract:

Loading...

Entrepreneurship, Home-Base Work, Experimentation

105.

Banking Competition and Shrouded Attributes: Evidence from the US Mortgage Market

Number of pages: 55 Posted: 16 Jan 2017 Last Revised: 18 Feb 2020
Sumit Agarwal, Changcheng Song and Vincent Yao
National University of Singapore, Singapore Management University and Georgia State University - J. Mack Robinson College of Business
Downloads 225 (189,647)
Citation 8

Abstract:

Loading...

Deregulation; competition; shrouding; behavioral bias

106.

School Allocation Rules and Housing Prices: A Quasi-Experiment with School Relocation Events in Singapore

Number of pages: 46 Posted: 19 Jan 2014 Last Revised: 30 Mar 2017
Sumit Agarwal, Satyanarain Rengarajan, Tien Foo Sing and Zoe Yang
National University of Singapore, National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and The Chinese University of Hong Kong - CUHK Business School
Downloads 214 (198,899)
Citation 4

Abstract:

Loading...

School allocation policies, school relocation events, prioritization rule, private housing market, public housing market

107.

Information Asymmetries and Learning in Commercial Real Estate Markets

Number of pages: 58 Posted: 21 Aug 2017 Last Revised: 24 Apr 2018
Sumit Agarwal, Tien Foo Sing and Long Wang
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and Fudan University
Downloads 212 (200,633)
Citation 8

Abstract:

Loading...

Learning, Information Asymmetry, Foreign Investors, Commercial Real Estate Markets, Cross-border investments

108.

Asymmetric Information in Dynamic Contract Settings: Evidence from the Home Equity Credit Market

Number of pages: 53 Posted: 02 Oct 2007
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 210 (202,435)
Citation 1

Abstract:

Loading...

Asymmetric Information, Contract Frictions, Screening, Banking, Home Equity Lending

109.

The Effectiveness of Housing Collateral Tightening Policy

Number of pages: 46 Posted: 15 Feb 2017 Last Revised: 12 Apr 2018
Sumit Agarwal, Cristian Badarinza and Wenlan Qian
National University of Singapore, National University of Singapore (NUS) and HKU Business School
Downloads 209 (203,379)
Citation 7

Abstract:

Loading...

credit supply, mortgage market, household finance

110.

Strategic Information Disclosure and Bank Lending

2016 Canadian Academic Accounting Association (CAAA) Annual Conference
Number of pages: 54 Posted: 12 Nov 2015 Last Revised: 16 Jan 2016
Sumit Agarwal, Souphala Chomsisengphet and Susie Qi Wang
National University of Singapore, Office of the Comptroller of the Currency (OCC) and National University of Singapore
Downloads 207 (205,217)
Citation 3

Abstract:

Loading...

Small business lending, private information, strategic disclosure, bank lending, financial accounting information

111.

Minimum Wage Increases and Employer Performance

Number of pages: 40 Posted: 12 May 2020
Sumit Agarwal, Meghana Ayyagari, Meghana Ayyagari and Renata Kosova
National University of Singapore, George Washington University - School of BusinessUniversity of Maryland - Robert H. Smith School of Business and Imperial College London
Downloads 206 (206,098)

Abstract:

Loading...

Minimum wages, Firm performance, Entry rates, Hotel Industry

112.

Effects of Government Bailouts on Mortgage Modification

Downloads 204 (207,939)
Citation 1

Effects of Government Bailouts on Mortgage Modification

Georgetown McDonough School of Business Research Paper No. 2479349
Number of pages: 52 Posted: 13 Aug 2014 Last Revised: 22 Jun 2017
Sumit Agarwal and Yunqi ZHANG
National University of Singapore and School of Finance, Nankai University
Downloads 204 (207,766)
Citation 1

Abstract:

Loading...

loan modification, financial crisis, mortgage, TARP, government intervention, liquidity

Effects of Government Bail-Out on Mortgage Modification

Journal of Banking and Finance, Vol. 93, 2018
Posted: 01 Jul 2018
Sumit Agarwal and Yunqi ZHANG
National University of Singapore and School of Finance, Nankai University

Abstract:

Loading...

Mortgage Modification, Financial Crisis, TARP, Government Intervention, Liquidity

113.

The Efficiency of Internal Capital Markets: Evidence from the Annual Capital Expenditure Survey

US Census Bureau Center for Economic Studies Paper No. CES-WP-08-08
Number of pages: 40 Posted: 18 Mar 2008 Last Revised: 10 Oct 2012
Sumit Agarwal, I-Ming Chiu, Victor Souphom and Guy Yamashiro
National University of Singapore, Rutgers, The State University of New Jersey - Rutgers University, Camden, U.S. Census Bureau - Center for Economic Studies and California State University, Long Beach - Department of Economics
Downloads 204 (207,939)

Abstract:

Loading...

Internal Capital Allocation, Diversified Firm, Investment

114.

The Geography of Consumption

Downloads 200 (211,726)
Citation 14

The Geography of Consumption

Number of pages: 46 Posted: 18 Jul 2017
Sumit Agarwal, J. Bradford Jensen and Ferdinando Monte
National University of Singapore, Georgetown University - McDonough School of Business and Georgetown University - McDonough School of Business
Downloads 183 (228,969)
Citation 10

Abstract:

Loading...

Geography, Consumption, Household Finance, Spending, Credit Cards, Consumer Credit, Gravity Model

Consumer Mobility and the Local Structure of Consumption Industries

NBER Working Paper No. w23616
Number of pages: 71 Posted: 25 Jul 2017 Last Revised: 13 Jul 2022
Sumit Agarwal, J. Bradford Jensen and Ferdinando Monte
National University of Singapore, Georgetown University - McDonough School of Business and Georgetown University - McDonough School of Business
Downloads 16 (760,932)
Citation 2

Abstract:

Loading...

Consumer Mobility and the Local Structure of Consumption Industries

CEPR Discussion Paper No. DP12150
Number of pages: 87 Posted: 18 Jul 2017 Last Revised: 10 Feb 2020
Sumit Agarwal, J. Bradford Jensen and Ferdinando Monte
National University of Singapore, Georgetown University - McDonough School of Business and Georgetown University - McDonough School of Business
Downloads 1 (932,336)
Citation 5
  • Add to Cart

Abstract:

Loading...

115.

The Subprime Virus: Theory and Evidence

Number of pages: 36 Posted: 21 May 2010 Last Revised: 03 Feb 2011
Sumit Agarwal, Brent W. Ambrose and Yildiray Yildirim
National University of Singapore, Pennsylvania State University and Zicklin School of Business, Baruch College - The City University of New York
Downloads 191 (220,590)
Citation 2

Abstract:

Loading...

Subprime, Default, Portfolio Risk

116.

A Simple Framework for Estimating Consumer Benefits from Regulating Hidden Fees

Number of pages: 15 Posted: 04 Oct 2014
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Chicago Booth School of Business and New York University (NYU) - Leonard N. Stern School of Business
Downloads 186 (225,672)
Citation 5

Abstract:

Loading...

Consumer Financial Regulation, Fees, Hidden Fees, Waterbed Effect, CARD Act, Airline baggage fees

117.

Systemic Risk and Heavy Tails: The Case of Banks’ Loan Portfolio

Number of pages: 26 Posted: 18 Mar 2011
Sumit Agarwal and Hamid Mohtadi
National University of Singapore and University of Wisconsin - Milwaukee
Downloads 180 (232,188)

Abstract:

Loading...

Systemic Risk, Heavy Tails, Capital Adequacy, Bank Regulation, Financial Institutions

118.

Do Forbearance Plans Help Mitigate Credit Card Losses?

Number of pages: 22 Posted: 08 Jul 2005 Last Revised: 17 Jan 2008
Sumit Agarwal, Souphala Chomsisengphet and Lawrence Mielnicki
National University of Singapore, Office of the Comptroller of the Currency (OCC) and De Lage Landen Financial Services
Downloads 179 (233,259)
Citation 1

Abstract:

Loading...

Credit card default, forbearance, loss mitigation, hazard models

119.

Are Green Buildings Really 'Greener'? Energy Efficiency of Green Mark Certified Buildings in Singapore

Number of pages: 65 Posted: 20 Dec 2017 Last Revised: 02 Oct 2018
Sumit Agarwal, Tien Foo Sing and Zoe Yang
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and The Chinese University of Hong Kong - CUHK Business School
Downloads 177 (235,588)
Citation 1

Abstract:

Loading...

Energy and Environment, Electric Utilities, Residential Market, Air Pollution

120.

Timing to the Statement: Understanding Fluctuations in Consumer Credit Use

Number of pages: 39 Posted: 10 Dec 2012 Last Revised: 27 Jun 2013
Sumit Agarwal, Amit Bubna and Molly Lipscomb
National University of Singapore, Indian School of Business and Batten School of Public Policy
Downloads 176 (236,713)
Citation 4

Abstract:

Loading...

Household Finance, Banking, Debit Card, Credit Cards, Consumer Behavior, Consumer Rationality, Bounded Rationality, Mental Accounting

121.

Dismissal with Prejudice? Race and Politics in Personal Bankruptcy

5th Annual Conference on Empirical Legal Studies Paper
Number of pages: 41 Posted: 01 Jul 2010 Last Revised: 08 Nov 2012
Sumit Agarwal, Souphala Chomsisengphet, Robert McMenamin and Paige Marta Skiba
National University of Singapore, Office of the Comptroller of the Currency (OCC), Federal Reserve Bank of Chicago - Economic Research and Vanderbilt University - Law School
Downloads 173 (240,188)
Citation 4

Abstract:

Loading...

Personal Bankruptcy, Household Finance, Judges, Discrimination, Law and Economics

122.

Effects of Construction Activities on Residential Electricity Consumption: Evidence from Singapore's Public Housing Estates

Number of pages: 37 Posted: 25 Dec 2013 Last Revised: 24 Nov 2015
Sumit Agarwal, Satyanarain Rengarajan, Tien Foo Sing and Derek Vollmer
National University of Singapore, National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and Future Cities Laboratory
Downloads 170 (243,756)
Citation 1

Abstract:

Loading...

Electricity Consumption, Negative Externalities, Construction Activities, Public Housing, Demand for Comfort

123.

Liquidity Constraints, Consumption, and Debt Repayment: Evidence from Macroprudential Policy in Turkey

Number of pages: 74 Posted: 26 Feb 2015 Last Revised: 30 Mar 2022
Sumit Agarwal, Muris Hadzic, Changcheng Song and Yildiray Yildirim
National University of Singapore, Whitman School of Management, Syracuse University, Singapore Management University and Zicklin School of Business, Baruch College - The City University of New York
Downloads 164 (251,187)
Citation 5

Abstract:

Loading...

Liquidity Constraints, Credit Constraints, Consumption, Spending, Debt, Credit Cards, Household Finance, Fiscal Policy.

124.

Familiarity Breeds Contagion

Indian School of Business
Number of pages: 59 Posted: 07 Jan 2020 Last Revised: 15 Dec 2020
Sumit Agarwal, Aditya Murlidharan, Naman Nishesh and Prasanna L. Tantri
National University of Singapore, Indian School Of Business, Indian School of Business and Indian School of Business
Downloads 157 (260,564)

Abstract:

Loading...

Caste; Contagion; Social Networks; Group Loans; Information

125.

Lender Steering in Residential Mortgage Markets

Real Estate Economics, Forthcoming.
Number of pages: 33 Posted: 06 Oct 2015 Last Revised: 05 May 2017
Sumit Agarwal, Brent W. Ambrose and Vincent Yao
National University of Singapore, Pennsylvania State University and Georgia State University - J. Mack Robinson College of Business
Downloads 157 (260,564)
Citation 5

Abstract:

Loading...

Steering, Securitization, Banking Deregulation, Insurance

126.

Homebuilders, Affiliated Financing Arms and the Mortgage Crisis

Downloads 153 (265,976)
Citation 3

Homebuilders, Affiliated Financing Arms and the Mortgage Crisis

Number of pages: 17 Posted: 31 Oct 2011
Sumit Agarwal, Gene Amromin, Claudine Madras Gartenberg, Anna L. Paulson and Sriram V. Villupuram
National University of Singapore, Federal Reserve Bank of Chicago, Wharton School, University of Penn, Federal Reserve Bank of Chicago and University of Texas at Arlington - Department of Finance and Real Estate
Downloads 82 (413,995)
Citation 3

Abstract:

Loading...

Homebuilders, Financial Crisis, Finance Arms of Homebuilders, Household Finance

Homebuilders, Affiliated Financing Arms, and the Mortgage Crisis

Economic Perspectives, Vol. 38, No. 2, 2014
Number of pages: 14 Posted: 04 Jun 2014
Sumit Agarwal, Gene Amromin, Claudine Madras Gartenberg, Anna L. Paulson and Sriram V. Villupuram
National University of Singapore, Federal Reserve Bank of Chicago, Wharton School, University of Penn, Federal Reserve Bank of Chicago and University of Texas at Arlington - Department of Finance and Real Estate
Downloads 71 (449,639)

Abstract:

Loading...

Homebuilders, Financial Crisis, Finance Arms of Homebuilders, Household Finance, Portfolio Choice, Investment Decisions, Banks, Depository Institutions, Micro Finance Institutions, Mortgages

127.

Joint Liability Lending and Credit Risk: Evidence from the Home Equity Market

Number of pages: 19 Posted: 02 Aug 2010
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 151 (268,823)

Abstract:

Loading...

Consumer Credit, Mortgages, Micro-finance, Information Asymmetry, household finance

128.

Foregone Consumption and Return-Chasing Investments

Number of pages: 52 Posted: 02 Aug 2019 Last Revised: 16 Mar 2020
Sumit Agarwal, Ben Charoenwong and Pulak Ghosh
National University of Singapore, National University of Singapore - Department of Finance and Indian Institute of Management (IIMB), Bangalore
Downloads 149 (271,742)
Citation 2

Abstract:

Loading...

Consumption, Loss Aversion, Return Chasing, Extrapolative Expectations, Household Portfolio Allocation

129.

Nudges of School Children and Electricity Conservation: Evidence from the 'Project Carbon Zero' Campaign in Singapore

Number of pages: 37 Posted: 22 Nov 2014 Last Revised: 18 Oct 2016
Sumit Agarwal, Satyanarain Rengarajan, Tien Foo Sing and Zoe Yang
National University of Singapore, National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and The Chinese University of Hong Kong - CUHK Business School
Downloads 149 (271,742)
Citation 3

Abstract:

Loading...

Energy conservation; Behavioral Intervention; Peer effects; Income Effect; Selective intervention

130.

Thy Neighbor's Mortgage: Does Living in a Subprime Neighborhood Impact Your Probability of Default?

Number of pages: 31 Posted: 21 Apr 2010
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Anthony B. Sanders
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and George Mason University - School of Business
Downloads 147 (274,746)
Citation 2

Abstract:

Loading...

Subprime mortgages, default, house price appreciation, Externalities

131.

The Hidden Peril: The Role of the Condo Loan Market in the Recent Financial Crisis

Number of pages: 48 Posted: 08 Nov 2012 Last Revised: 07 May 2014
Sumit Agarwal, Yongheng Deng, Chenxi Luo and Wenlan Qian
National University of Singapore, Wisconsin School of Business, University of Wisconsin-Madison, National University of Singapore (NUS) - Department of Real Estate and HKU Business School
Downloads 146 (276,213)
Citation 2

Abstract:

Loading...

Financial Crisis, Condo Market, Default, Mortgages, Household Finance, Investors, Speculators, Subprime Mortgages

132.

The Political Economy of Bank Lending: Evidence from an Emerging Market

World Bank Policy Research Working Paper No. 7577
Number of pages: 57 Posted: 20 Apr 2016
Sumit Agarwal, Bernardo Morais, Claudia Ruiz Ortega, Claudia Ruiz Ortega and Colin Zhang
National University of Singapore, Board of Governors of the Federal Reserve System, World BankWorld Bank - Development Research Group (DECRG) and National University of Singapore (NUS)
Downloads 143 (280,758)

Abstract:

Loading...

Debt Markets, Banks & Banking Reform, Access to Finance, Microfinance, Bankruptcy and Resolution of Financial Distress

133.

The Impact of Housing Credit on Personal Bankruptcy

Number of pages: 62 Posted: 02 Apr 2015 Last Revised: 26 Nov 2017
Sumit Agarwal and Changcheng Song
National University of Singapore and Singapore Management University
Downloads 138 (288,644)

Abstract:

Loading...

Personal Bankruptcy, Housing Market, Housing Credit Policy, Loan-to-Value Ratio, Household Finance, Real Estate

134.

Loan Prospecting and the Loss of Soft Information

NBER Working Paper No. w19945
Number of pages: 57 Posted: 03 Mar 2014 Last Revised: 03 Jul 2022
Sumit Agarwal and Itzhak Ben-David
National University of Singapore and Ohio State University (OSU) - Department of Finance
Downloads 133 (296,871)
Citation 10

Abstract:

Loading...

135.

Bank Stress Tests and Consumer Credit Markets: Credit and Real Impacts

Downloads 131 (300,335)

Bank Stress Tests and Consumer Credit Markets: Credit and Real Impacts

Number of pages: 86 Posted: 05 Aug 2020 Last Revised: 09 Aug 2022
Sumit Agarwal, Xudong An, Larry Cordell and Raluca A. Roman
National University of Singapore, Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Banks - Federal Reserve Bank of Philadelphia and Federal Reserve Bank of Philadelphia
Downloads 68 (460,267)

Abstract:

Loading...

Bank stress tests, household finance, consumer credit supply, spending, debt management, payment behavior, consumer credit performance, credit cards, mortgages

Bank Stress Test Results and Their Impact on Consumer Credit Markets

FRB of Philadelphia Working Paper No. 20-30
Number of pages: 84 Posted: 03 Aug 2020
Sumit Agarwal, Xudong An, Larry Cordell and Raluca A. Roman
National University of Singapore, Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Banks - Federal Reserve Bank of Philadelphia and Federal Reserve Bank of Philadelphia
Downloads 63 (478,913)

Abstract:

Loading...

bank stress tests, credit supply, cost of credit, credit usage, credit performance, credit cards

136.

A Friend Indeed: Does the Use of Biometric Digital Identity Make Welfare Programs Counter Cyclical?

Number of pages: 50 Posted: 02 Jul 2018 Last Revised: 26 Nov 2018
Sumit Agarwal, Shradhey Parijat Prasad, Nishka Sharma and Prasanna L. Tantri
National University of Singapore, Indian School of Business (ISB), Hyderabad, Indian School of Business (ISB), Hyderabad and Indian School of Business
Downloads 124 (312,924)
Citation 1

Abstract:

Loading...

MNREGA, MNREGS, Economic Distress, Anti-Poverty Programs, Welfare Economics

137.

Mortgage Brokers and the Effectiveness of Regulatory Oversights

Management Science, forthcoming
Number of pages: 58 Posted: 29 Apr 2019 Last Revised: 27 Apr 2020
Sumit Agarwal, Swee Hoon Ang, Yongheng Deng and Yonglin Wang
National University of Singapore, National University of Singapore (NUS) - Department of Marketing, Wisconsin School of Business, University of Wisconsin-Madison and Lingnan University
Downloads 123 (314,824)

Abstract:

Loading...

mortgage brokers, occupational licensing regulations, reported and unreported information, loan performance

138.

Gender Difference and Intra-Household Economic Power in Mortgage Signing Order

Journal of Financial Intermediation, Forthcoming
Number of pages: 48 Posted: 12 Jun 2015 Last Revised: 20 Jan 2018
Sumit Agarwal, Richard K. Green, Eric Rosenblatt, Vincent Yao and Jian Zhang
National University of Singapore, University of Southern California - Lusk Center for Real Estate, Federal National Mortgage Association (Fannie Mae) - Research, Georgia State University - J. Mack Robinson College of Business and The University of Hong Kong - Faculty of Business and Economics
Downloads 123 (314,824)
Citation 2

Abstract:

Loading...

Gender Difference, Economic Power, Mortgage Application, Household Finance

139.

Time Preferences, Mortgage Choice and Mortgage Default

Number of pages: 42 Posted: 11 Jun 2014 Last Revised: 14 Sep 2014
Sumit Agarwal, Yongheng Deng and Jia He
National University of Singapore, Wisconsin School of Business, University of Wisconsin-Madison and Nankai University
Downloads 123 (314,824)

Abstract:

Loading...

Mortgage default, mortgage choice, heterogeneity, present-biased preference, dynamic inconsistency

140.

Does the Relative Income of Peers Cause Financial Distress? Evidence from Lottery Winners and Neighboring Bankruptcies

FRB of Philadelphia Working Paper No. 18-16
Number of pages: 105 Posted: 08 Jun 2018 Last Revised: 29 Apr 2020
Sumit Agarwal, Vyacheslav Mikhed and Barry Scholnick
National University of Singapore, Federal Reserve Bank of Philadelphia and University of Alberta - Department of Marketing, Business Economics & Law
Downloads 120 (320,386)
Citation 2

Abstract:

Loading...

financial distress, social comparisons among peers

141.

Salience and Mispricing: Homebuyers’ Housing Decisions

Norges Bank Working Paper 21
Number of pages: 44 Posted: 10 Jan 2016 Last Revised: 19 Nov 2016
Sumit Agarwal and Artashes Karapetyan
National University of Singapore and ESSEC Business School
Downloads 119 (322,260)

Abstract:

Loading...

Salience, Housing, Cooperatives, Mortgage, Household Finance, Mispricing

142.

Street Name Fluency and Housing Prices

Number of pages: 64 Posted: 14 Oct 2019 Last Revised: 13 Apr 2021
Sumit Agarwal, Maggie Hu and Adrian D. Lee
National University of Singapore, The Chinese University of Hong Kong and Deakin University - Department of Finance (Property and Real Estate)
Downloads 117 (326,088)

Abstract:

Loading...

name fluency, hedonic pricing, real estate, behavioral economics

143.

Rushing into the American Dream? House Prices Growth and the Timing of Homeownership

FRB of Chicago Working Paper No. 2013-13
Number of pages: 54 Posted: 14 Dec 2013 Last Revised: 10 May 2016
Sumit Agarwal, Luojia Hu and Xing Huang
National University of Singapore, Federal Reserve Bank of Chicago and Washington University in St. Louis - Olin Business School
Downloads 115 (330,098)
Citation 6

Abstract:

Loading...

Housing, Homeownership, Consumer Finance, Credit Constraints, Life Cycle

144.

Learning Through Social Networks: How Workers Optimize the Use of Fintech for Remittances

KAIST College of Business Working Paper Series
Number of pages: 62 Posted: 24 Sep 2021 Last Revised: 03 Feb 2022
Sumit Agarwal, Sangheum Cho, Hyun-Soo Choi and Leora Klapper
National University of Singapore, KAIST College of Business, KAIST College of Business and World Bank
Downloads 114 (332,136)

Abstract:

Loading...

International Remittance, FinTech, Social Networks, Learning

145.

Straw Purchase or Safe Haven? The Hidden Perils of Illicit Wealth in Property Markets

Number of pages: 88 Posted: 27 Oct 2020 Last Revised: 20 Jul 2021
Sumit Agarwal, Liu Ee Chia and Tien Foo Sing
National University of Singapore, Pennsylvania State University - Smeal College of Business and National University of Singapore (NUS) - Department of Real Estate
Downloads 114 (332,136)

Abstract:

Loading...

Money Laundering; Illicit Wealth; Offshore Secrecy; Housing Market; Safe Haven; Straw Purchase

146.

Does it Pay to Read Your Junk Mail? Evidence of the Effect of Advertising on Home Equity Credit Choices

FRB of Chicago Working Paper No. 2008-09
Number of pages: 60 Posted: 17 Nov 2008 Last Revised: 14 Dec 2008
Sumit Agarwal and Brent W. Ambrose
National University of Singapore and Pennsylvania State University
Downloads 113 (334,200)
Citation 4

Abstract:

Loading...

Persuasion, Advertising, Contract Choice, Home-equity Lending

147.

The Impact of Homeowners' Housing Wealth Misestimation on Consumption and Saving Decisions

Downloads 113 (334,200)
Citation 23

The Impact of Homeowners' Housing Wealth Misestimation on Consumption and Saving Decisions

Number of pages: 32 Posted: 06 Jun 2006
Sumit Agarwal
National University of Singapore
Downloads 84 (408,110)

Abstract:

Loading...

House Value, Home Equity, Consumption and Savings, Consumer Credit, Prepayment and Default

The Impact of Homeowners' Housing Wealth Misestimation on Consumption and Saving Decisions

Real Estate Economics, Vol. 35, No. 2, pp. 135-154, Summer 2007
Number of pages: 20 Posted: 24 May 2007
Sumit Agarwal
National University of Singapore
Downloads 29 (653,967)
Citation 3

Abstract:

Loading...

The Impact of Homeowners' Housing Wealth Misestimation on Consumption and Saving Decisions

Real Estate Economics, Forthcoming
Posted: 25 Jul 2006
Sumit Agarwal
National University of Singapore

Abstract:

Loading...

House Value, Home Equity, Consumption and Saving, Consumer Credit, Prepayment and Default

148.

Collateral Pledge, Sunk-Cost Fallacy and Mortgage Default

Number of pages: 37 Posted: 07 Jun 2014 Last Revised: 11 Aug 2014
Sumit Agarwal, Richard K. Green, Eric Rosenblatt and Vincent Yao
National University of Singapore, University of Southern California - Lusk Center for Real Estate, Federal National Mortgage Association (Fannie Mae) - Research and Georgia State University - J. Mack Robinson College of Business
Downloads 112 (336,337)
Citation 6

Abstract:

Loading...

Household Finance, Mortgages, Collateral, Option Value, Financial Crisis, Sunk Cost

149.

Relational Contracts in the Housing Market

Georgetown McDonough School of Business Research Paper No. 3076944
Number of pages: 64 Posted: 29 Nov 2017 Last Revised: 14 Apr 2020
Sumit Agarwal, Changcheng Song and Vincent Yao
National University of Singapore, Singapore Management University and Georgia State University - J. Mack Robinson College of Business
Downloads 110 (340,525)
Citation 5

Abstract:

Loading...

relational contracts; appraiser; bunching; reputational concern; moral hazard; third party

150.

Impact of Temperature on Morbidity: New Evidence from China

Number of pages: 79 Posted: 19 Mar 2021 Last Revised: 21 Jun 2021
Sumit Agarwal, Yu Qin, Luwen Shi, Guoxu Wei and Hongjia Zhu
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate, Peking University - International Research Center for Medicinal Administration, Peking University - International Research Center for Medicinal Administration and Jinan University
Downloads 109 (342,555)

Abstract:

Loading...

Climate Change, Morbidity Costs, Extreme Temperature, China

151.

Who Gains from Housing Market Stimulus? Evidence from Homeowner Grants with Threshold Prices

Number of pages: 69 Posted: 10 Sep 2020 Last Revised: 26 Feb 2021
Sumit Agarwal, Maggie Hu and Adrian D. Lee
National University of Singapore, The Chinese University of Hong Kong and Deakin University - Department of Finance (Property and Real Estate)
Downloads 108 (344,746)

Abstract:

Loading...

Housing assistance policy, real estate pricing, price bunching, price inflation, economic stimulus

152.

Lenders’ Pricing Strategy: Do Neighborhood Risks Matter?

Downloads 108 (344,746)

Lenders’ Pricing Strategy: Do Neighborhood Risks Matter?

Number of pages: 48 Posted: 28 May 2020 Last Revised: 21 Jul 2021
Sumit Agarwal, Yongheng Deng, Jia He and Yonglin Wang
National University of Singapore, Wisconsin School of Business, University of Wisconsin-Madison, Nankai University and Lingnan University
Downloads 70 (453,205)

Abstract:

Loading...

Refinancing waves, loan pricing, neighborhood effect, mortgage securitization

Lenders’ Pricing Strategy: Do Neighborhood Risks Matter?

Number of pages: 48 Posted: 09 Aug 2021
Sumit Agarwal, Yongheng Deng, Jia He and Yonglin Wang
National University of Singapore, Wisconsin School of Business, University of Wisconsin-Madison, Nankai University and Lingnan University
Downloads 38 (596,560)

Abstract:

Loading...

refinancing waves, loan pricing, prepayment risk, neighborhood effect, mortgage securitization

153.

Supporting Seniors: How Low-Income Elderly Individuals Respond to a Retirement Support Program

Number of pages: 65 Posted: 14 Jul 2020 Last Revised: 22 Mar 2021
Sumit Agarwal, Wenlan Qian, Tianyue Ruan and Bernard Yin Yeung
National University of Singapore, HKU Business School, National University of Singapore (NUS) - Department of Finance and National University of Singapore - Business School
Downloads 107 (346,864)

Abstract:

Loading...

retirement support, cash transfer, consumption, liquidity constraints

154.

Inflation Expectations of Households and the Upgrading Channel

Number of pages: 50 Posted: 16 Apr 2020
Sumit Agarwal, Yeow Hwee Chua and Changcheng Song
National University of Singapore, Nanyang Technological University (NTU) and Singapore Management University
Downloads 107 (346,864)

Abstract:

Loading...

Inflation Expectations, Personal Experience, Upgrading, Product Variety, Survey Experiment

155.

The Political Economy of Loan Modification

Number of pages: 47 Posted: 29 May 2018
Sumit Agarwal, Kristopher Gerardi and Vincent Yao
National University of Singapore, Federal Reserve Bank of Atlanta and Georgia State University - J. Mack Robinson College of Business
Downloads 107 (346,864)

Abstract:

Loading...

Political Economy, Financial Crisis, Loan Modification, Mortgages, Dodd-Frank Act

156.

Are Executives More Socially Responsible When Raised with Siblings? Evidence from Chinese Family Firms

Number of pages: 56 Posted: 25 Oct 2021
Sumit Agarwal, Kam C. Chan, Rongrong Xie and Nianhang Xu
National University of Singapore, Western Kentucky University - Department of Accounting and Finance, Central University of Finance and Economics and Renmin University of China - School of Business
Downloads 106 (349,116)

Abstract:

Loading...

corporate social responsibility, siblings, family structure, competition, altruism

157.

The Role of Agents in Fraudulent Activities: Evidence from the Housing Market in China

Number of pages: 46 Posted: 24 Sep 2020 Last Revised: 30 Sep 2020
Sumit Agarwal, Weida Kuang, Long Wang and Zoe Yang
National University of Singapore, Renmin University of China - School of Business, Fudan University and The Chinese University of Hong Kong - CUHK Business School
Downloads 104 (353,584)

Abstract:

Loading...

Tax evasion; housing market interventions; housing market

158.

Consumption and Portfolio Rebalancing Response of Households to Monetary Policy

Number of pages: 62 Posted: 22 May 2020 Last Revised: 30 Mar 2022
Sumit Agarwal, Yeow Hwee Chua, Pulak Ghosh and Changcheng Song
National University of Singapore, Nanyang Technological University (NTU), Indian Institute of Management (IIMB), Bangalore and Singapore Management University
Downloads 103 (355,809)

Abstract:

Loading...

Monetary Policy, Consumption, Portfolio Rebalancing, Household Finance, Reach for Yield, Reach for Income

159.

Consumption Response to a Natural Disaster: Evidence of Price and Income Shocks from Chennai Flood

Number of pages: 66 Posted: 10 Mar 2021
Sumit Agarwal, Pulak Ghosh and Huanhuan Zheng
National University of Singapore, Indian Institute of Management (IIMB), Bangalore and National University of Singapore
Downloads 101 (360,452)

Abstract:

Loading...

natural disaster, income shocks, price shocks, online shopping, household finance

160.

Consumption Response to Temporary Price Shock: Evidence from Singapore's Annual Sale Event

Journal of Financial Intermediation, Forthcoming
Number of pages: 60 Posted: 14 Sep 2017 Last Revised: 28 Mar 2022
Sumit Agarwal, Kang Mo Koo and Wenlan Qian
National University of Singapore, Hana Institute of Finance and HKU Business School
Downloads 97 (369,943)

Abstract:

Loading...

Consumption, Great Singapore Sale, credit card, debit card, household finance, spending, transitory shocks, fiscal stimulus program

161.

Appendix to 'Assessment of Online Food Ordering and Delivery in Singapore During the COVID-19 Pandemic'

Agarwal S, Huang P, Luo C, Qin Y, Zhan C. Assessment of Online Food Ordering and Delivery in Singapore During the COVID-19 Pandemic. JAMA Netw Open. 2021;4(9):e2126466. doi:10.1001/jamanetworkopen.2021.26466
Number of pages: 33 Posted: 18 May 2021 Last Revised: 24 Sep 2021
Sumit Agarwal, Peiying Huang, Chenxi Luo, Yu Qin and Changwei Zhan
National University of Singapore, Shenzhen University - College of Management, StarTaster Technology, National University of Singapore (NUS) - Department of Real Estate and National University of Singapore (NUS) - Department of Real Estate
Downloads 95 (374,735)

Abstract:

Loading...

COVID-19, Lockdown, Dietary change, Health

162.

An Empirical Analysis of Information Asymmetry in Home Equity Lending

Journal of Financial Services Research, Forthcoming
Number of pages: 33 Posted: 09 Mar 2015
Sumit Agarwal, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 88 (393,024)
Citation 1

Abstract:

Loading...

Asymmetric information, Adverse selection, Moral hazard, banking, Home equity lending

163.

Strategic Sequential Bidding for Government Land Auction Sales – Evidence from Singapore

Downloads 82 (409,842)

Strategic Sequential Bidding for Government Land Auction Sales – Evidence from Singapore

Number of pages: 43 Posted: 10 Nov 2015 Last Revised: 03 Feb 2017
Sumit Agarwal, Jing Li, Ernie G. S. Teo and Alan Cheong
National University of Singapore, Singapore Management University, NUS Business School and Savills Valuation and Professional Services (S) Pte Ltd
Downloads 68 (460,267)

Abstract:

Loading...

Land Sale Auctions, Strategic Sequential Bidding, Land Price, Housing Price, Product Differentiation