Sumit Agarwal

National University of Singapore

Professor of Economics, Finance and Real Estate

15 Kent Ridge Drive

Singapore, 117592

Singapore

http://www.ushakrisna.com

SCHOLARLY PAPERS

201

DOWNLOADS
Rank 272

SSRN RANKINGS

Top 272

in Total Papers Downloads

73,655

SSRN CITATIONS
Rank 248

SSRN RANKINGS

Top 248

in Total Papers Citations

1,864

CROSSREF CITATIONS

1,368

Scholarly Papers (201)

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
National University of Singapore, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 5,882 (1,607)
Citation 59

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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
National University of Singapore, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 151 (246,863)

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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

Number of pages: 51 Posted: 03 Jul 2007 Last Revised: 19 Jul 2010
National University of Singapore, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 52 (484,513)
Citation 3

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Regulating Consumer Financial Products: Evidence from Credit Cards

Number of pages: 67 Posted: 26 Sep 2013 Last Revised: 28 Aug 2014
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 2,897 (5,374)
Citation 9

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

Regulating Consumer Financial Products: Evidence from Credit Cards

Number of pages: 70 Posted: 28 Sep 2013 Last Revised: 27 Sep 2021
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 60 (452,591)
Citation 14

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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
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 Business School - Finance and Economics and Stanford University
Downloads 2,102 (9,039)
Citation 6

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

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

Number of pages: 69 Posted: 28 Jan 2014
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 Business School - Finance and Economics and Stanford University
Downloads 112 (310,291)
Citation 3

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

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

Number of pages: 63 Posted: 30 Aug 2012 Last Revised: 05 Sep 2012
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 Business School - Finance and Economics and Stanford University
Downloads 21 (662,537)
Citation 53

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4.

The Real Impact of FinTech: Evidence from Mobile Payment Technology

Number of pages: 58 Posted: 13 Apr 2020 Last Revised: 26 Dec 2020
National University of Singapore, HKU Business School, National University of Singapore (NUS) - NUS Business School, National University of Singapore (NUS), Department of Economics and National University of Singapore - Business School
Downloads 1,897 (10,918)
Citation 5

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

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
National University of Singapore, Northwestern University - Kellogg School of Management, Tel Aviv University and Stanford University
Downloads 1,713 (12,608)

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

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

Number of pages: 45 Posted: 07 Dec 2012 Last Revised: 07 Nov 2021
National University of Singapore, Northwestern University - Kellogg School of Management, Tel Aviv University and Stanford University
Downloads 132 (274,976)
Citation 3

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6.
Downloads 1,715 ( 12,804)
Citation 12

Learning in the Credit Card Market

Number of pages: 44 Posted: 06 Apr 2008 Last Revised: 26 Apr 2013
National University of Singapore, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 1,608 (13,924)
Citation 9

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

Learning in the Credit Card Market

Number of pages: 37 Posted: 15 Feb 2008 Last Revised: 09 Oct 2021
National University of Singapore, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 107 (320,528)

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7.

Financial Literacy and Financial Planning: Evidence from India

Number of pages: 45 Posted: 20 Dec 2010
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 1,700 (12,980)
Citation 9

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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.
Downloads 1,567 ( 14,757)
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
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 1,526 (15,112)
Citation 1

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

Inconsistent Regulators: Evidence from Banking

Number of pages: 60 Posted: 06 Jan 2012 Last Revised: 19 Jun 2021
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 41 (535,586)
Citation 56

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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
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 1,441 (16,538)
Citation 20

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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

Number of pages: 59 Posted: 19 Oct 2015
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 43 (525,589)

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

Number of pages: 96 Posted: 21 Sep 2015 Last Revised: 05 Feb 2021
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 21 (662,537)
Citation 37

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

Number of pages: 60 Posted: 21 Sep 2015
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
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asymmetric information, credit card market, monetary policy, pass-through

10.
Downloads 1,362 ( 18,355)
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 1,314 (18,985)
Citation 3

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Mortgage, refinance, option value, normative economics

Optimal Mortgage Refinancing: A Closed Form Solution

Number of pages: 41 Posted: 15 Oct 2007 Last Revised: 08 Nov 2021
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 48 (501,996)
Citation 16

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11.
Downloads 1,199 ( 22,180)
Citation 44

Do Consumers Choose the Right Credit Contracts?

Number of pages: 26 Posted: 13 Nov 2005 Last Revised: 18 Mar 2015
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 728 (44,157)
Citation 26

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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
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 323 (119,240)
Citation 16

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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
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 148 (250,965)
Citation 16

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

12.

Demonetization and Digitization

Number of pages: 57 Posted: 02 Jul 2018 Last Revised: 26 Dec 2018
National University of Singapore, XLRI - Xavier School of Management, Indian Institute of Management (IIMB), Bangalore, Indian Institute of Management (IIM), Indore and The University of Hong Kong - Faculty of Business and EconomicsThe University of Hong Kong - Faculty of Business and Economics
Downloads 1,081 (25,804)
Citation 10

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Digitization, Payment Method, Demonetization

13.

Determinants of Automobile Loan Default and Prepayment

Economic Perspectives, Vol. 32, No. 3, 2008
Number of pages: 12 Posted: 19 Sep 2008
National University of Singapore, Pennsylvania State University and Office of the Comptroller of the Currency (OCC)
Downloads 979 (29,743)
Citation 2

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

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
National University of Singapore, Indian School of Business (ISB), Hyderabad, Indian Institute of Management (IIMB), Bangalore, State Bank of India, Columbia Business School - Finance and Economics and Stanford University
Downloads 977 (29,837)
Citation 23

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

15.

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 974 (29,958)
Citation 3

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

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
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 972 (30,044)
Citation 6

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Financial literacy, Household finance, Financial Literacy, Consumer Behavior

17.

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

Number of pages: 60 Posted: 27 Dec 2018 Last Revised: 14 Oct 2020
National University of Singapore, Wisconsin School of Business, University of Wisconsin-Madison, Peking University, Nankai University, HKU Business School and National University of Singapore (NUS) - NUS Business School
Downloads 895 (33,747)
Citation 3

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

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
National University of Singapore, Federal Reserve Bank of Chicago, Office of the Comptroller of the Currency (OCC), University of Pennsylvania - The Wharton School, Columbia Business School - Finance and Economics, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 865 (34,880)
Citation 5

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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

Number of pages: 78 Posted: 31 Aug 2015 Last Revised: 22 Nov 2021
National University of Singapore, Federal Reserve Bank of Chicago, Office of the Comptroller of the Currency (OCC), Columbia Business School - Finance and Economics, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 27 (617,845)
Citation 3

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19.

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

Number of pages: 54 Posted: 03 Dec 2010 Last Revised: 30 Dec 2010
National University of Singapore, IndependentChakra Advisors LLC and affiliation not provided to SSRN
Downloads 827 (37,625)
Citation 8

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Household Finance, Financial Incentives, Credit cards

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 499 (71,898)
Citation 6

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Relationship lending, transactional debt, differential information, online lending

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

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 314 (122,877)
Citation 19

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

21.

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 784 (40,497)
Citation 9

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

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 756 (42,560)
Citation 59

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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.
Downloads 735 ( 44,222)
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
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 699 (46,639)
Citation 1

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Predatory lending, subprime crisis, household finance, default

Predatory Lending and the Subprime Crisis

Number of pages: 56 Posted: 18 Oct 2013 Last Revised: 03 Jun 2021
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 36 (562,277)
Citation 6

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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
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 729 (44,695)
Citation 35

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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

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 678 (48,634)
Citation 4

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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

Number of pages: 46 Posted: 21 Dec 2007 Last Revised: 03 Jun 2021
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 36 (562,277)
Citation 122

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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 666 (50,389)
Citation 17

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

27.

Disaggregated Sales and Stock Returns

Management Science, forthcoming, Asian Finance Association (AsianFA) 2018 Conference
Number of pages: 56 Posted: 09 Jan 2017 Last Revised: 29 Mar 2021
Sumit Agarwal, Wenlan Qian and Xin Zou
National University of Singapore, HKU Business School and Hong Kong Baptist University (HKBU)
Downloads 639 (53,239)
Citation 3

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

28.

Disguised Corruption: Evidence from Consumer Credit in China

Number of pages: 68 Posted: 13 Apr 2018 Last Revised: 06 Dec 2018
National University of Singapore, HKU Business School, Stanford University and The University of Hong Kong - Faculty of Business and EconomicsThe University of Hong Kong - Faculty of Business and Economics
Downloads 619 (55,482)
Citation 14

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

29.

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 606 (56,932)
Citation 10

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

30.

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

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 599 (57,769)

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

31.

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 582 (59,895)
Citation 12

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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

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 510 (70,003)
Citation 36

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

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

Number of pages: 19 Posted: 25 Jan 2009 Last Revised: 23 Jul 2021
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 72 (410,754)

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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 576 (60,662)
Citation 14

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

34.

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
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 573 (61,078)
Citation 1

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Financial counseling, subprime crisis, predatory lending, household finance

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 564 (61,630)
Citation 7

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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

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36.

The Spending and Debt Response to Minimum Wage Hikes

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 Department of Economics
Downloads 555 (63,594)
Citation 41

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consumption, minimum wage, debt, liquidity constraint, durables

37.

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 518 (69,380)
Citation 8

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

38.

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 513 (70,252)

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

39.

Cognitive Abilities and Household Financial Decision Making

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 508 (71,086)
Citation 24

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Household finance, Credit Cards, Home Equity, AFQT Scores

40.

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 503 (71,932)
Citation 36

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

41.

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
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 498 (72,810)
Citation 5

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

42.

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

Number of pages: 68 Posted: 09 Feb 2017 Last Revised: 24 Apr 2020
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 EconomicsThe University of Hong Kong - Faculty of Business and Economics
Downloads 481 (75,994)
Citation 2

Abstract:

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

43.

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 469 (78,319)
Citation 2

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

44.

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 468 (78,504)
Citation 10

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

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

Number of pages: 31 Posted: 26 Jan 2005
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 464 (78,562)

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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
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:

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Loan-Loss Provision, Security Gains, Earnings Management

46.

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 457 (80,827)
Citation 99

Abstract:

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Distance, Small Business, Information Asymmetries, Banking

47.

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 453 (81,637)
Citation 3

Abstract:

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

48.

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 452 (81,844)
Citation 3

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Labor Supply, Reference Dependent Preferences, Cab Drivers

49.

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 451 (82,053)
Citation 1

Abstract:

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

50.

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 447 (82,909)

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

51.

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
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 441 (84,269)
Citation 29

Abstract:

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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

52.

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 441 (84,269)
Citation 36

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An Empirical Analysis of Home Equity Loan and Line Performance

Number of pages: 44 Posted: 17 Sep 2004
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 423 (87,744)
Citation 10

Abstract:

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Home Equity Loans and Lines, Prepayment, Capital Regulations

An Empirical Analysis of Home Equity Loan and Line Performance

Posted: 14 Apr 2005
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business

Abstract:

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Home Equity Loans and Lines, Prepayment, Capital Regulations

54.

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, Deakin University-Department of Finance and National University of Singapore (NUS) - Department of Real Estate
Downloads 414 (90,685)
Citation 2

Abstract:

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

55.

Refinancing Inequality During the COVID-19 Pandemic

Number of pages: 73 Posted: 16 Dec 2020 Last Revised: 19 Oct 2021
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 402 (93,833)
Citation 9

Abstract:

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Mortgage Market, Refinancing, COVID-19, Wealth Inequality

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

Number of pages: 36 Posted: 29 Mar 2014 Last Revised: 10 Jun 2019
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 339 (113,042)
Citation 10

Abstract:

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

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

Number of pages: 37 Posted: 25 Apr 2016
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 60 (452,591)

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

57.
Downloads 392 ( 96,573)
Citation 2

Roads and Loans

Number of pages: 65 Posted: 23 Jan 2018 Last Revised: 12 Jan 2021
National University of Singapore, Hong Kong University of Science & Technology (HKUST) - Department of Finance and London Business School
Downloads 354 (107,609)

Abstract:

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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
National University of Singapore, Hong Kong University of Science & Technology (HKUST) - Department of Finance and London Business School
Downloads 38 (551,288)
Citation 3

Abstract:

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Finance and growth, Infrastructure development and finance, Rural lending

58.

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
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 390 (97,161)
Citation 4

Abstract:

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securitization, credit crises, TALF

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 386 (98,373)
Citation 15

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

60.

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
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance and Rutgers University
Downloads 384 (98,955)
Citation 5

Abstract:

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

61.

FinTech, Lending and Payment Innovation: A Review

Asia-Pacific Journal of Financial Studies, 2020
Number of pages: 19 Posted: 06 May 2020
Sumit Agarwal, Jian Zhang and Jian Zhang
National University of Singapore and The University of Hong Kong - Faculty of Business and EconomicsThe University of Hong Kong - Faculty of Business and Economics
Downloads 367 (104,109)

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FinTech; Banks; Lending; Payments; Household Finance

62.
Downloads 354 (108,374)
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 228 (170,574)
Citation 12

Abstract:

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

Why Do Borrowers Make Mortgage Refinancing Mistakes?

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 126 (284,826)
Citation 26

Abstract:

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

Tax Differential and Cross-Border Shopping: Evidence from Singapore

Number of pages: 49 Posted: 08 May 2013 Last Revised: 02 Mar 2017
National University of Singapore, Office of the Comptroller of the Currency (OCC), HKU Business School and National University of Singapore (NUS)
Downloads 254 (153,422)
Citation 3

Abstract:

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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
National University of Singapore, Office of the Comptroller of the Currency (OCC), HKU Business School and Nankai University - School of Finance
Downloads 88 (364,436)
Citation 3

Abstract:

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

64.

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 340 (113,421)
Citation 7

Abstract:

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

65.

Golf Buddies and Board Diversity

Number of pages: 17 Posted: 13 Dec 2015
National University of Singapore, HKU Business School, National University of Singapore and National University of Singapore (NUS) - Department of Real Estate
Downloads 337 (114,553)
Citation 1

Abstract:

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Board of Directors, Golf, Gender, Board Diversity

66.

Fickle Fingers: Ride-Hail Surge Factors and Taxi Bookings

Number of pages: 49 Posted: 25 Apr 2018 Last Revised: 24 Jun 2020
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 333 (116,071)
Citation 1

Abstract:

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

67.

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 326 (118,813)
Citation 2

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

68.

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 Deakin University-Department of Finance
Downloads 319 (121,591)

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

Benefits of Relationship Banking: Evidence from Consumer Credit Markets

Number of pages: 45 Posted: 24 Jul 2010
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 193 (199,528)
Citation 23

Abstract:

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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
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 125 (286,583)
Citation 15

Abstract:

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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
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:

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

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 317 (121,670)
Citation 11

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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:

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Initial Public Offering, Aftermarket Performance, Investor Demand

71.

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 303 (128,445)

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

72.

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
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 302 (128,894)
Citation 7

Abstract:

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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

73.
Downloads 300 (129,811)
Citation 3

Searching for Approval

Number of pages: 77 Posted: 30 Jun 2020
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 288 (134,821)

Abstract:

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

Searching for Approval

Number of pages: 78 Posted: 09 Jun 2020 Last Revised: 22 Nov 2021
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 12 (735,849)
Citation 4
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74.

Consumption and Saving Response to a Tax-Subsidized Saving Policy: Evidence from India

Number of pages: 56 Posted: 17 Aug 2017 Last Revised: 03 Nov 2021
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 293 (133,086)
Citation 1

Abstract:

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

75.
Downloads 291 (134,043)
Citation 1

How Does Financial Literacy Affect Mortgage Default?

Number of pages: 48 Posted: 02 May 2015 Last Revised: 25 Jan 2017
National University of Singapore, Office of the Comptroller of the Currency (OCC) and School of Finance, Nankai University
Downloads 291 (133,369)
Citation 1

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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
National University of Singapore, Office of the Comptroller of the Currency (OCC) and School of Finance, Nankai University

Abstract:

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Mortgage, Financial crisis, Household finance, Financial professional

76.

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

Number of pages: 49 Posted: 16 Aug 2020 Last Revised: 12 Aug 2021
National University of Singapore, Pennsylvania State University, University of Illinois at Chicago and Pennsylvania State University
Downloads 283 (137,914)
Citation 3

Abstract:

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

77.

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 283 (137,914)
Citation 19

Abstract:

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

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
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 259 (150,438)
Citation 9

Abstract:

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

Holdup by Junior Claimholders: Evidence from the Mortgage Market

Number of pages: 47 Posted: 31 Mar 2014 Last Revised: 10 Sep 2021
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 (662,537)

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79.

Terrorist Attacks and Strategic Household Consumption

Number of pages: 52 Posted: 09 Mar 2021 Last Revised: 02 Nov 2021
Sumit Agarwal, Pulak Ghosh, Weiqiang Tan and Xin Zou
National University of Singapore, Indian Institute of Management (IIMB), Bangalore, Hong Kong Baptist University (HKBU) and Hong Kong Baptist University (HKBU)
Downloads 278 (140,526)

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Terrorist Attacks, Household Consumption, Economic Uncertainty, Precautionary Liquidity Demand, Bank Cards, Credit Cards, Household Finance

Serving the Underserved: Microcredit as a Pathway to Commercial Banks

Number of pages: 79 Posted: 07 Oct 2018 Last Revised: 01 Apr 2021
National University of Singapore, National Bank of Rwanda, Board of Governors of the Federal Reserve System, Johns Hopkins University and Board of Governors of the Federal Reserve System
Downloads 215 (180,469)

Abstract:

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

Financial Access Under the Microscope

Number of pages: 56 Posted: 15 Nov 2018
National University of Singapore, National Bank of Rwanda, Board of Governors of the Federal Reserve System, Johns Hopkins University and Board of Governors of the Federal Reserve System
Downloads 49 (497,414)

Abstract:

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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

Number of pages: 78 Posted: 28 Jul 2021 Last Revised: 07 Sep 2021
National University of Singapore, National Bank of Rwanda, Board of Governors of the Federal Reserve System, Johns Hopkins University and Board of Governors of the Federal Reserve System
Downloads 10 (752,949)

Abstract:

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Serving the Underserved: Microcredit as a Pathway to Commercial Banks

Number of pages: 83 Posted: 14 May 2021
National University of Singapore, National Bank of Rwanda, Board of Governors of the Federal Reserve System, Johns Hopkins University and Board of Governors of the Federal Reserve System
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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 187 (205,278)
Citation 2

Abstract:

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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 71 (413,992)

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

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

Number of pages: 51 Posted: 01 Nov 2013 Last Revised: 22 Nov 2021
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 (718,823)
Citation 15

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82.

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
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 (144,324)

Abstract:

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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

83.

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 270 (144,866)
Citation 6

Abstract:

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

84.

Loan Commitments and Private Firms

Number of pages: 22 Posted: 22 Sep 2004
National University of Singapore, Office of the Comptroller of the Currency (OCC) and Board of Governors of the Federal Reserve System
Downloads 270 (144,866)
Citation 13

Abstract:

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Bank loan commitment; credit lines, private firms

85.

Financial Decision Making When Buying and Owning a Home

Number of pages: 40 Posted: 21 Sep 2014
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 269 (145,428)
Citation 5

Abstract:

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

86.

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, Jian Zhang 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 EconomicsThe University of Hong Kong - Faculty of Business and Economics
Downloads 261 (149,852)
Citation 1

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Personal Bankruptcy, Gender, Risk Aversion, Household Finance

87.

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
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 259 (151,019)

Abstract:

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

88.

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 257 (152,201)
Citation 7

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

89.

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
National University of Singapore, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 257 (152,201)
Citation 19

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

90.

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
National University of Singapore, Pennsylvania State University, National Central University and Zicklin School of Business, Baruch College - The City University of New York
Downloads 256 (152,781)
Citation 1

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leasing valuation, credit risk, endogenous default

91.

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
National University of Singapore, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 254 (153,970)
Citation 2

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

92.

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
National University of Singapore, Office of the Comptroller of the Currency (OCC), Columbia University - Columbia Business School and Hong Kong Baptist University (HKBU)
Downloads 241 (162,154)

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Credit Cards, Mood, Sunshine, Household Finance, Consumption

93.

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 241 (162,154)
Citation 21

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mortgages, valuation, financial crisis, regulations, appraisal bias

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, ShanghaiTech University and The Chinese University of Hong Kong - CUHK Business School
Downloads 198 (194,972)

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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, ShanghaiTech University - School of Entrepreneurship and Management and The Chinese University of Hong Kong - CUHK Business School
Downloads 39 (545,920)
Citation 3

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

95.

Dissecting the Information Value of Sovereign Credit Rating Reports

Number of pages: 52 Posted: 18 Nov 2014 Last Revised: 05 Apr 2019
National University of Singapore, National University of Singapore, Credit Suisse and Department of Finance, National University of Singapore
Downloads 237 (164,773)
Citation 1

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

96.

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 236 (165,426)
Citation 2

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

97.

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
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 EconomicsThe University of Hong Kong - Faculty of Business and Economics
Downloads 223 (174,713)

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Entrepreneurship, Home-Base Work, Experimentation

98.

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 217 (179,279)
Citation 3

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

99.

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

Number of pages: 47 Posted: 30 Nov 2020 Last Revised: 21 Apr 2021
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 204 (189,821)

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data breach, convenience, privacy, digital economy

100.

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 204 (189,821)
Citation 8

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Deregulation; competition; shrouding; behavioral bias

101.

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
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 203 (190,704)

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Internal Capital Allocation, Diversified Firm, Investment

102.

The Impact of Fertility Relaxation on Female Labor Market Outcomes

Number of pages: 63 Posted: 10 Jan 2020 Last Revised: 22 May 2020
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 202 (191,581)

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one-child policy; gender discrimination; gender wage gap; labor market

Do Minimum Wage Increases Benefit Low-Income Households? Evidence from the Performance of Residential Leases

Number of pages: 46 Posted: 21 Dec 2018 Last Revised: 05 May 2020
Sumit Agarwal, Brent W. Ambrose and Moussa Diop
National University of Singapore, Pennsylvania State University and University of Southern California
Downloads 202 (191,407)
Citation 1

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

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

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

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

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 199 (194,070)
Citation 1

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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:

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

105.

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
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 199 (194,201)
Citation 4

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

106.

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 198 (195,091)
Citation 7

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credit supply, mortgage market, household finance

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 ShanghaiTech University
Downloads 196 (196,862)
Citation 8

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

108.

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
National University of Singapore, Office of the Comptroller of the Currency (OCC) and National University of Singapore
Downloads 193 (199,602)
Citation 3

Abstract:

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

109.

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

Number of pages: 53 Posted: 02 Oct 2007
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 192 (200,547)
Citation 1

Abstract:

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

110.

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 188 (204,407)
Citation 2

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Subprime, Default, Portfolio Risk

111.

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 187 (205,351)
Citation 4

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digital payments, financial technology, consumption, India, Demonetization

112.

A Simple Framework for Estimating Consumer Benefits from Regulating Hidden Fees

Number of pages: 15 Posted: 04 Oct 2014
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 178 (214,395)
Citation 5

Abstract:

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

113.

Do Forbearance Plans Help Mitigate Credit Card Losses?

Number of pages: 22 Posted: 08 Jul 2005 Last Revised: 17 Jan 2008
National University of Singapore, Office of the Comptroller of the Currency (OCC) and De Lage Landen Financial Services
Downloads 178 (214,395)
Citation 1

Abstract:

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Credit card default, forbearance, loss mitigation, hazard models

114.

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 176 (216,490)

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

115.

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
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 168 (225,142)
Citation 4

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

116.

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 162 (232,261)
Citation 4

Abstract:

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

117.

Minimum Wage Increases and Employer Performance

Number of pages: 40 Posted: 12 May 2020
National University of Singapore, George Washington University - School of BusinessUniversity of Maryland - Robert H. Smith School of Business and Imperial College London
Downloads 157 (238,558)

Abstract:

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Minimum wages, Firm performance, Entry rates, Hotel Industry

118.

Soft Liquidity Constraints and Consumption: Evidence from Macro Prudential Policy in Turkey

Number of pages: 50 Posted: 26 Feb 2015 Last Revised: 13 Dec 2017
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 156 (239,767)
Citation 5

Abstract:

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

119.

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
National University of Singapore, National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and Future Cities Laboratory
Downloads 154 (242,283)
Citation 1

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

120.
Downloads 151 (246,285)
Citation 14

The Geography of Consumption

Number of pages: 46 Posted: 18 Jul 2017
National University of Singapore, Georgetown University - Department of Strategy/Economics/Ethics/Public Policy and Georgetown University - Robert Emmett McDonough School of Business
Downloads 136 (268,705)
Citation 10

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

Consumer Mobility and the Local Structure of Consumption Industries

Number of pages: 71 Posted: 25 Jul 2017 Last Revised: 12 Jul 2021
National University of Singapore, Georgetown University - Department of Strategy/Economics/Ethics/Public Policy and Georgetown University - Robert Emmett McDonough School of Business
Downloads 14 (718,823)
Citation 2

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Consumer Mobility and the Local Structure of Consumption Industries

Number of pages: 87 Posted: 18 Jul 2017 Last Revised: 10 Feb 2020
National University of Singapore, Georgetown University - Department of Strategy/Economics/Ethics/Public Policy and Georgetown University - Robert Emmett McDonough School of Business
Downloads 1 (837,300)
Citation 5
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Homebuilders, Affiliated Financing Arms and the Mortgage Crisis

Number of pages: 17 Posted: 31 Oct 2011
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 (380,714)
Citation 3

Abstract:

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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
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 66 (430,900)

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

122.

Household Asset Portfolios during the Covid-19 Pandemic

Number of pages: 78 Posted: 16 Aug 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 147 (251,674)

Abstract:

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COVID-19; Investment Decision; Emotion; Expectation; Longitudinal Survey

123.

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

Number of pages: 19 Posted: 02 Aug 2010
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 146 (253,096)

Abstract:

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

124.

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 145 (254,512)
Citation 6

Abstract:

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Steering, Securitization, Banking Deregulation, Insurance

125.

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 144 (255,937)
Citation 1

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

126.

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

Number of pages: 31 Posted: 21 Apr 2010
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and George Mason University - School of Business
Downloads 144 (255,937)
Citation 2

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Subprime mortgages, default, house price appreciation, Externalities

127.

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 143 (257,368)
Citation 2

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

128.

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
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 138 (264,711)
Citation 3

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

129.

Familiarity Breeds Contagion

Indian School of Business
Number of pages: 59 Posted: 07 Jan 2020 Last Revised: 15 Dec 2020
National University of Singapore, Indian School Of Business, Indian School of Business and Indian School of Business
Downloads 137 (266,258)

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Caste; Contagion; Social Networks; Group Loans; Information

130.

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 135 (269,262)

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

131.

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
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 133 (272,415)

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

132.

Loan Prospecting and the Loss of Soft Information

Number of pages: 57 Posted: 03 Mar 2014 Last Revised: 02 Jul 2021
Sumit Agarwal and Itzhak Ben-David
National University of Singapore and Ohio State University (OSU) - Department of Finance
Downloads 127 (281,963)
Citation 10

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133.

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 122 (290,500)
Citation 2

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

134.

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
National University of Singapore, Indian School of Business (ISB), Hyderabad, Indian School of Business (ISB), Hyderabad and Indian School of Business
Downloads 121 (292,181)
Citation 1

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

135.

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
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 EconomicsThe University of Hong Kong - Faculty of Business and Economics
Downloads 120 (293,955)
Citation 2

Abstract:

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Gender Difference, Economic Power, Mortgage Application, Household Finance

136.

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 112 (308,635)

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

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 83 (377,942)

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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 (604,346)
Citation 3
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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:

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

138.

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

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 111 (310,548)
Citation 6

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

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 109 (314,537)

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

140.

Collateral Pledge, Sunk-Cost Fallacy and Mortgage Default

Number of pages: 37 Posted: 07 Jun 2014 Last Revised: 11 Aug 2014
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 109 (314,537)
Citation 6

Abstract:

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

141.

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

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 106 (320,591)
Citation 4

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Persuasion, Advertising, Contract Choice, Home-equity Lending

142.

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

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 102 (328,959)
Citation 2

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financial distress, social comparisons among peers

143.

Mortgage Brokers and the Effectiveness of Regulatory Oversights

Management Science, forthcoming
Number of pages: 58 Posted: 29 Apr 2019 Last Revised: 27 Apr 2020
National University of Singapore, National University of Singapore (NUS) - Department of Marketing, Wisconsin School of Business, University of Wisconsin-Madison and Lingnan University
Downloads 98 (337,554)

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

144.

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 97 (339,832)
Citation 5

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

145.

Street Name Fluency and Housing Prices

Number of pages: 64 Posted: 14 Oct 2019 Last Revised: 13 Apr 2021
Sumit Agarwal, Maggie Hu, Adrian D. Lee and Adrian D. Lee
National University of Singapore, The Chinese University of Hong Kong and affiliation not provided to SSRNDeakin University - Department of Finance (Property and Real Estate)
Downloads 95 (344,325)

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name fluency, hedonic pricing, real estate, behavioral economics

146.

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 94 (346,604)

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

Bank Stress Test Results and Their Impact on Consumer Credit Markets

Number of pages: 83 Posted: 05 Aug 2020
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 54 (476,072)

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bank stress tests, credit supply, cost of credit, credit usage, credit performance, credit cards, mortgages, home equity lines of credit

Bank Stress Test Results and Their Impact on Consumer Credit Markets

Number of pages: 84 Posted: 03 Aug 2020
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 35 (567,913)

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

148.

Tax-Pass-through, Pricing Strategy and Consumer Spending Dynamics: The Indian GST Experience

Number of pages: 38 Posted: 14 Jun 2019
National University of Singapore, XLRI - Xavier School of Management, Indian Institute of Management (IIMB), Bangalore, Indian Institute of Management (IIM), Indore and The University of Hong Kong - Faculty of Business and EconomicsThe University of Hong Kong - Faculty of Business and Economics
Downloads 89 (358,776)
Citation 1

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Tax Pass-through, Consumption, Big Data, Household Finance

149.

Road to Stock Market Participation

Number of pages: 63 Posted: 02 Aug 2021
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 88 (361,313)

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Trading behavior, Financial Inclusion, Information, Banks, Infrastructure

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 57 (464,311)

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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 30 (597,789)

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

151.

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

Georgetown McDonough School of Business Research Paper No. 3035787
Number of pages: 42 Posted: 14 Sep 2017 Last Revised: 07 Oct 2017
Sumit Agarwal, Kang Mo Koo and Wenlan Qian
National University of Singapore, Deakin University-Department of Finance and HKU Business School
Downloads 86 (366,502)

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

152.

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, ShanghaiTech University - School of Entrepreneurship and Management and The Chinese University of Hong Kong - CUHK Business School
Downloads 81 (379,877)

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Tax evasion; housing market interventions; housing market

153.

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 80 (382,667)

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

154.

The Role of Soft Information in a Dynamic Contract Setting: Evidence from the Home Equity Credit Market

Journal of Money, Credit, and Banking, Forthcoming
Number of pages: 34 Posted: 11 Nov 2010
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 79 (385,455)
Citation 5

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

155.

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, Adrian D. Lee and Adrian D. Lee
National University of Singapore, The Chinese University of Hong Kong and affiliation not provided to SSRNDeakin University - Department of Finance (Property and Real Estate)
Downloads 78 (388,246)

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

156.

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
National University of Singapore, HKU Business School, National University of Singapore (NUS) - Department of Finance and National University of Singapore - Business School
Downloads 77 (391,150)

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retirement support, cash transfer, consumption, liquidity constraints

157.

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 76 (394,035)

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Climate Change, Morbidity Costs, Extreme Temperature, China

158.

An Empirical Analysis of Information Asymmetry in Home Equity Lending

Journal of Financial Services Research, Forthcoming
Number of pages: 33 Posted: 09 Mar 2015
National University of Singapore, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 76 (394,035)
Citation 1

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

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 65 (434,325)

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

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

Journal of Real Estate Finance and Economics, Vol. 57, No. 4, 2018
Number of pages: 39 Posted: 16 Nov 2018 Last Revised: 16 Oct 2019
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 10 (752,949)

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Land sale auctions; Strategic sequential bidding; Land price; Housing price; product differentiation

160.

Consumption and Portfolio Rebalancing Response of Households to Monetary Policy: Evidence of the HANK Channel

Number of pages: 59 Posted: 22 May 2020
National University of Singapore, National University of Singapore (NUS), Department of Economics, Indian Institute of Management (IIMB), Bangalore and Singapore Management University
Downloads 72 (406,064)

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Monetary Policy, HANK model, Consumption, Portfolio Rebalancing, Household Finance, Reach for Yield

161.

How Do Private Firms Use Credit Lines?

Economic Perspectives, Vol. 35, No. 2, p. 71, 2011
Number of pages: 9 Posted: 24 May 2011
National University of Singapore, Office of the Comptroller of the Currency (OCC) and Board of Governors of the Federal Reserve System
Downloads 62 (439,163)

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bank loan commitment, credit lines, private firms, financial economics

162.

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, National University of Singapore (NUS), Department of Economics and Singapore Management University
Downloads 61 (442,580)

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

163.

Beyond Race and Gender: Financial Access to Low and Moderate Income Households

Number of pages: 21 Posted: 11 Apr 2011
Sumit Agarwal, Souphala Chomsisengphet and Chau Do
National University of Singapore, 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 60 (446,173)

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Household Finance, Banking, LMI Borrowers, Checking Accounts, Overdraft

164.

The Effectiveness of Mandatory Mortgage Counseling: Can One Dissuade Borrowers from Choosing Risky Mortgages?

Number of pages: 37 Posted: 24 Feb 2014 Last Revised: 26 Feb 2014
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 55 (464,784)

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165.

Commute Time and Labor Supply

Number of pages: 53 Posted: 07 May 2018 Last Revised: 16 Jun 2018
Sumit Agarwal, Elvira Sojli and Wing Wah Tham
National University of Singapore, UNSW Australia Business School, School of Banking and Finance and University of New South Wales (UNSW)
Downloads 50 (484,771)

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Commute time, labor supply, elasticity, task juggling, trains, buses, big data

166.

Environmental Regulation as a Double-Edged Sword for Housing Markets: Evidence From the NOx Budget Trading Program

Georgetown McDonough School of Business Research Paper No. 3075855
Number of pages: 61 Posted: 05 Dec 2017
Sumit Agarwal, Yongheng Deng and Teng Li
National University of Singapore, Wisconsin School of Business, University of Wisconsin-Madison and Sun Yat-sen University
Downloads 49 (488,816)
Citation 1

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NOx Budget Trading Program, Air pollution, House prices, Manufacturing intensity

167.

Consumption and Savings Response to Permanent Tax Increase

Number of pages: 50 Posted: 24 Apr 2020 Last Revised: 22 Oct 2020
National University of Singapore, HKU Business School, National University of Singapore - Business School and National University of Singapore
Downloads 48 (493,137)

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Income Tax, Consumption, Richardian Equivalence, Redistributive Policy, Fiscal Policy

168.

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 47 (497,532)

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

169.

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 47 (497,532)

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

170.

Does Information Reduce COVID-19 Related Stigmatization

Number of pages: 40 Posted: 09 Feb 2021
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 46 (501,941)

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COVID-19, Epidemic, Stigmatization, Information Treatment

171.

Housing Upgrading in Urban Redevelopment

Georgetown McDonough School of Business Research Paper No. 2828541
Number of pages: 53 Posted: 24 Aug 2016 Last Revised: 16 Oct 2019
Sumit Agarwal, Yanying Chen, Jing Li and Yi Jin Tan
National University of Singapore, School of Economics, Singapore Management University, Singapore Management University and School of Economics, Singapore Management University
Downloads 45 (506,328)

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upgrading, urban renewal, urban redevelopment, policy evaluation

Owe a Bank Millions, the Bank Has a Problem: Credit Concentration in Bad Times

World Bank Policy Research Working Paper No. 9202
Number of pages: 44 Posted: 03 Apr 2020
National University of Singapore, Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System, affiliation not provided to SSRN and World BankWorld Bank - Development Research Group (DECRG)
Downloads 21 (662,537)
Citation 4

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Owe a Bank Millions, the Bank Has a Problem: Credit Concentration in Bad Times

Number of pages: 44 Posted: 16 Jul 2020
National University of Singapore, Board of Governors of the Federal Reserve System, Board of Governors of the Federal Reserve System, affiliation not provided to SSRN and World BankWorld Bank - Development Research Group (DECRG)
Downloads 21 (662,537)

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Credit exposure, Bank lending, Financial stability, Commodity prices, Emerging markets

173.

Learning Through Social Networks: How Foreign Workers Optimize the Use of Fintech to Send Remittances

KAIST College of Business Working Paper Series
Number of pages: 62 Posted: 24 Sep 2021 Last Revised: 25 Oct 2021
National University of Singapore, KAIST College of Business, KAIST College of Business and World Bank
Downloads 40 (529,527)

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International Remittance, FinTech, Social Networks, Learning

174.

The Impact of Family-Based Human Capital on Corporate Innovation: Evidence from Sibling-Chairpersons in China

Number of pages: 52 Posted: 25 Oct 2021
National University of Singapore, Western Kentucky University - Department of Accounting and Finance, Nanjing University, Central University of Finance and Economics and Renmin University of China - School of Business
Downloads 39 (534,378)

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Innovation,Siblings, Family-Based Human Capital, One-Child Policy

175.

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
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 37 (544,413)

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COVID-19, Lockdown, Dietary change, Health

176.

Peers’ Income and Financial Distress: Evidence from Lottery Winners and Neighboring Bankruptcies

Number of pages: 105 Posted: 31 Oct 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 37 (544,413)
Citation 10

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financial distress, social comparisons among peers

177.

Salient Peers and Consumption: Evidence from the Warranty Claims of Neighbors

University of Alberta School of Business Research Paper No. 2019-708
Number of pages: 48 Posted: 28 Sep 2019 Last Revised: 06 Dec 2019
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Alberta - Department of Marketing, Business Economics & Law and University of Sydney
Downloads 32 (571,167)

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Saliency Bias, Peers, Warranty Claims

178.

Plumbing vs Nudging: The Lasting Effect of Efficiency Improvements on Water Conservation

Number of pages: 55 Posted: 30 Mar 2021
National University of Singapore, affiliation not provided to SSRN, National University of Singapore (NUS) - Institute of Water Policy, National University of Singapore (NUS) - Department of Real Estate and National University of Singapore
Downloads 31 (576,765)

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efficiency standards and subsidy; nudging; peer comparison; sustainable effects; water consumption and conservation.

179.

Anticipated Income Shock and Labor Supply

Number of pages: 38 Posted: 26 Jul 2017 Last Revised: 04 Aug 2018
Sumit Agarwal, Shih-Fen Cheng, Jussi Keppo and Kang Mo Koo
National University of Singapore, Singapore Management University - School of Information Systems, National University of Singapore - NUS Business School and Deakin University-Department of Finance
Downloads 31 (576,765)

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Income shock, labor supply, pension withdrawal, taxi, intensive margin, extensive margin

180.

Loan Product Steering in Mortgage Markets

Number of pages: 46 Posted: 03 Oct 2016 Last Revised: 08 Jul 2021
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance and Federal Reserve Bank of Chicago
Downloads 30 (582,509)
Citation 2

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181.

Job Displacement and Financial Outcomes

Number of pages: 9 Posted: 06 Jan 2019
Federal Reserve Bank of Chicago, National University of Singapore, Federal Reserve Bank of Atlanta and Federal Reserve Bank of Chicago
Downloads 22 (634,806)
Citation 2

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displacement, credit constraints, administrative data, unemployment, mass layoff

182.

Does Social Capital Positively Influence Loan Performance even during a Crisis?

Number of pages: 37 Posted: 23 Sep 2021
Sumit Agarwal, Prasanna L. Tantri and Nitin Vishen
National University of Singapore, Indian School of Business and Indian School of Business
Downloads 18 (663,338)

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183.

Tracking the Pulse of a City – 3D Real Estate Price Heat Maps

Number of pages: 49 Posted: 18 Feb 2021
National University of Singapore, Hong Kong Polytechnic University, University of Illinois at Chicago - Center for Urban Real Estate and National University of Singapore (NUS) - Department of Real Estate
Downloads 18 (663,338)

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real estate price index, heat map, locally weighted estimation

184.

Reducing Strategic Default in a Financial Crisis

Number of pages: 58 Posted: 09 Nov 2021 Last Revised: 10 Nov 2021
National University of Singapore, Federal Reserve Bank of Philadelphia, University of Alberta - Department of Marketing, Business Economics & Law and The University of Sydney
Downloads 17 (670,541)

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strategic default, financial crisis

185.

Evolution of Labor Demand during the COVID-19 Pandemic and Jobs of the Future

Number of pages: 19 Posted: 10 Nov 2021
Sumit Agarwal, Jia He and Tianyue Ruan
National University of Singapore, Nankai University and National University of Singapore (NUS) - Department of Finance
Downloads 15 (685,381)

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COVID-19, labor demand, job evolution

186.

Tobin Tax Policy, Housing Speculation, and Property Market Dynamics

Number of pages: 85 Posted: 10 Sep 2020 Last Revised: 08 Nov 2021
Sumit Agarwal, K.W. Chau, Maggie Hu and Wayne Xinwei Wan
National University of Singapore, The University of Hong Kong - Ronald Coase Centre for Property Rights Research - Economics, The Chinese University of Hong Kong and University of Cambridge - Department of Land Economy
Downloads 7 (748,342)

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Tobin tax policy, stamp duty tax, property speculators, lock-in period, bunching effect

187.

Hedonic Price of Housing Space

Number of pages: 45 Posted: 22 Aug 2019
Sumit Agarwal, Yanying Chen, Jing Li and Yi Jin Tan
National University of Singapore, School of Economics, Singapore Management University, Singapore Management University and School of Economics, Singapore Management University
Downloads 1 (800,643)
Citation 1

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housing space, implicit price, hedonic regression, urban redevelopment

188.

The Subprime Virus

Real Estate Economics, Vol. 43, Issue 4, pp. 891-915, 2015
Number of pages: 25 Posted: 26 Oct 2015
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 1 (800,643)
Citation 1
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189.

Thy Neighbor’s Mortgage: Does Living in a Subprime Neighborhood Affect One’s Probability of Default?

Real Estate Economics, Vol. 40, Issue 1, pp. 1-22, 2012
Posted: 21 Feb 2012
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and George Mason University - School of Business
Downloads 1 (800,643)
Citation 3
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190.

Does The Internet Enhance State Capacity To Alleviate Distress

Number of pages: 41 Posted: 29 Oct 2021
Sumit Agarwal, Nithin Mannil and Prasanna L. Tantri
National University of Singapore, Indian School of Business and Indian School of Business
Downloads 13

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COVID-19; Technology Adoption; Workfare; Labor Markets; Labor Supply; MNREGA; NREGS; NREGA; Poverty

191.

The Role of Insurance in Debt Renegotiation: Evidence from Mortgage Market

Posted: 03 Jun 2014 Last Revised: 08 Jan 2017
Sumit Agarwal and Yunqi Zhang
National University of Singapore and School of Finance, Nankai University

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debt renegotiation, financial crisis, loan modification, mortgage, insurance, foreclosure, loss mitigation

192.

Rationality in the Consumer Credit Market: Choosing between Alternative and Mainstream Credit

Posted: 03 Jan 2012 Last Revised: 26 Jul 2017
Sumit Agarwal and Marieke Bos
National University of Singapore and Swedish House of Finance - Stockholm School of Economics

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Consumer credit, Lending policy, Pawn lending, Consumer rationality

193.

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

Real Estate Economics, 2011
Posted: 10 Oct 2010
National University of Singapore, Pennsylvania State University, Office of the Comptroller of the Currency (OCC) and George Mason University - School of Business

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Subprime mortgages; default; house price appreciation

194.

The Impact of the 2001 Financial Crisis and the Economic Policy Responses on the Argentine Mortgage Market

Journal of Housing Economics, Vol. 14, No. 3, pp. 242-270, 2005
Posted: 21 Jul 2005
National University of Singapore, Office of the Comptroller of the Currency (OCC) and World Bank - Financial Sector Department

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Argentine mortgage market, prepayment and default, financial crisis

195.

Determinants of Small Business Default

Posted: 11 Jul 2005
National University of Singapore, Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business

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Spot loans, line of credit, scored lending, loan size, small business defaults

196.

Asymmetric Information and the Automobile Loan Market

Posted: 08 Jul 2005
National University of Singapore, Pennsylvania State University and Office of the Comptroller of the Currency (OCC)

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Consumer debt, consumption decisions, prepayment, default

197.

Bankruptcy Exemptions, Garnishment Laws and Consumer Default Behavior: An Empirical Analysis of Credit Card Data

Posted: 23 Apr 2005
Sumit Agarwal, Chunlin Liu and Lawrence Mielnicki
National University of Singapore, University of Nevada, Reno - College of Business and De Lage Landen Financial Services

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Garnishment law, consumer default, credit cards

198.

Determinants of Credit Card Delinquency and Bankruptcy: Macroeconomic Factors

Posted: 14 Apr 2005
Sumit Agarwal and Chunlin Liu
National University of Singapore and University of Nevada, Reno - College of Business

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Unemployment, Consumer Delinquency and Bankruptcy, and Credit Cards

199.

Where Does Price Discovery Occur for Stocks Traded in Multiple Markets? Evidence from Hong Kong and London Stocks

Posted: 07 Dec 2004
Sumit Agarwal, Chunlin Liu and S. Ghon Rhee
National University of Singapore, University of Rhode Island and University of Hawaii at Manoa - Shidler College of Business

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Dually-listed stocks, Price discovery, Liquidity-driven trading

200.

Impact of State Exemption Laws on Small Business Bankruptcy Decision

Posted: 07 Dec 2004
National University of Singapore, Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and De Lage Landen Financial Services

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Banks, Credit Cards, Small Business Bankruptcy, State Exemption Laws

201.

Credit Lines and Credit Utilization

Posted: 21 Jun 2004
Brent W. Ambrose, Sumit Agarwal and Chunlin Liu
Pennsylvania State University, National University of Singapore and University of Rhode Island

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Home equity lines, prepayment, banks