Sumit Agarwal

National University of Singapore

Professor of Economics, Finance and Real Estate

15 Kent Ridge Drive

Singapore, 117592

Singapore

http://www.ushakrisna.com

  • National University of Singapore

SCHOLARLY PAPERS

238

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Rank 153

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Top 153

in Total Papers Downloads

122,505

TOTAL CITATIONS
Rank 185

SSRN RANKINGS

Top 185

in Total Papers Citations

2,223

Scholarly Papers (238)

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1.

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

Downloads 6,632 ( 2,389)
Citation 62

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

Number of pages: 76 Posted: 29 Mar 2008 Last Revised: 22 Oct 2009
Sumit Agarwal, John C. Driscoll, Xavier Gabaix and David Laibson
National University of Singapore, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 6,354 (2,537)
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
Sumit Agarwal, John C. Driscoll, Xavier Gabaix and David Laibson
National University of Singapore, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 194 (325,256)

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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

NBER Working Paper No. w13191
Number of pages: 51 Posted: 03 Jul 2007 Last Revised: 18 Jul 2022
Sumit Agarwal, John C. Driscoll, Xavier Gabaix and David Laibson
National University of Singapore, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 84 (630,038)
Citation 3

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2.

The Real Impact of FinTech: Evidence from Mobile Payment Technology

Number of pages: 72 Posted: 13 Apr 2020 Last Revised: 19 Dec 2024
Sumit Agarwal, Wenlan Qian, Yuan Ren, Hsin-Tien Tiffany Tsai and Bernard Yin Yeung
National University of Singapore, National University of Singapore - NUS Business School, Zhejiang University, National University of Singapore (NUS), Department of Economics and National University of Singapore - Business School
Downloads 5,123 (3,750)
Citation 15

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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

3.

Regulating Consumer Financial Products: Evidence from Credit Cards

Downloads 4,989 ( 3,979)
Citation 23

Regulating Consumer Financial Products: Evidence from Credit Cards

Number of pages: 67 Posted: 26 Sep 2013 Last Revised: 28 Aug 2014
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Government of the United States of America - 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 4,849 (4,074)
Citation 9

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

Regulating Consumer Financial Products: Evidence from Credit Cards

NBER Working Paper No. w19484
Number of pages: 70 Posted: 28 Sep 2013 Last Revised: 29 Mar 2023
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Government of the United States of America - 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 140 (432,902)
Citation 14

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4.

Who Pays For Your Rewards? Redistribution in the Credit Card Market

Downloads 4,040 ( 5,601)
Citation 2

Who Pays For Your Rewards? Redistribution in the Credit Card Market

Number of pages: 60 Posted: 07 Jun 2022 Last Revised: 04 Mar 2025
Sumit Agarwal, Andrea Presbitero, André F. Silva and Carlo Wix
National University of Singapore, International Monetary Fund (IMF), Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 3,819 (5,996)
Citation 2

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Household finance, credit cards, financial sophistication, rewards

Who Pays for Your Rewards? Redistribution in the Credit Card Market

FEDS Working Paper No. 2023-7
Number of pages: 70 Posted: 04 Feb 2023
Sumit Agarwal, Andrea Presbitero, André F. Silva and Carlo Wix
National University of Singapore, International Monetary Fund (IMF), Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 221 (295,088)

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Household finance, Credit cards, Financial sophistication, Rewards

5.

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

Indian School of Business
Number of pages: 65 Posted: 14 Jan 2020 Last Revised: 07 Dec 2023
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 3,339 (7,637)
Citation 13

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Fintech, Big data, Credit scores, Financial inclusion, Lending, Machine learning, Mobile footprint, Prediction Counterfactual, Social footprint, Social capital, Digital economy, Open banking, Data sharing

6.

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

Downloads 2,479 (12,182)
Citation 154

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

Journal of Political Economy, Forthcoming, Fisher College of Business Working Paper No. 2012-03-020, Charles A. Dice Center Working Paper No. 2012-20
Number of pages: 63 Posted: 29 Aug 2012 Last Revised: 21 Jul 2016
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, Tomasz Piskorski and Amit Seru
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Government of the United States of America - Office of the Comptroller of the Currency (OCC), Columbia University - Columbia Business School, Finance and Stanford University
Downloads 2,281 (13,701)
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

FRB of Chicago Working Paper No. 2013-27, Kreisman Working Papers Series in Housing Law and Policy No. 7
Number of pages: 69 Posted: 28 Jan 2014
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, Tomasz Piskorski and Amit Seru
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Government of the United States of America - Office of the Comptroller of the Currency (OCC), Columbia University - Columbia Business School, Finance and Stanford University
Downloads 123 (480,717)
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

NBER Working Paper No. w18311
Number of pages: 63 Posted: 30 Aug 2012 Last Revised: 15 Jul 2023
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, Tomasz Piskorski and Amit Seru
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Government of the United States of America - Office of the Comptroller of the Currency (OCC), Columbia University - Columbia Business School, Finance and Stanford University
Downloads 75 (673,172)
Citation 145

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7.

Financial Literacy and Financial Planning: Evidence from India

Number of pages: 45 Posted: 20 Dec 2010
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 2,360 (13,241)
Citation 11

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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.

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

Downloads 2,018 (16,977)
Citation 3

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

Kreisman Working Papers Series in Housing Law and Policy No. 8
Number of pages: 44 Posted: 08 Nov 2012 Last Revised: 08 Jan 2015
Sumit Agarwal, Efraim Benmelech, Nittai Bergman and Amit Seru
National University of Singapore, Northwestern University - Kellogg School of Management, Tel Aviv University and Stanford University
Downloads 1,825 (19,567)

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

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

NBER Working Paper No. w18609
Number of pages: 45 Posted: 07 Dec 2012 Last Revised: 08 May 2022
Sumit Agarwal, Efraim Benmelech, Nittai Bergman and Amit Seru
National University of Singapore, Northwestern University - Kellogg School of Management, Tel Aviv University and Stanford University
Downloads 193 (326,994)
Citation 3

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9.

Learning in the Credit Card Market

Downloads 2,004 (17,148)
Citation 11

Learning in the Credit Card Market

Number of pages: 44 Posted: 06 Apr 2008 Last Revised: 26 Apr 2013
Sumit Agarwal, John C. Driscoll, Xavier Gabaix and David Laibson
National University of Singapore, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 1,809 (19,807)
Citation 11

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

Learning in the Credit Card Market

NBER Working Paper No. w13822
Number of pages: 37 Posted: 15 Feb 2008 Last Revised: 09 Oct 2022
Sumit Agarwal, John C. Driscoll, Xavier Gabaix and David Laibson
National University of Singapore, Board of Governors of the Federal Reserve System, Harvard University - Department of Economics and Harvard University - Department of Economics
Downloads 195 (323,713)

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10.

Banking the Unbanked: What do 280 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: 72 Posted: 30 Jan 2017 Last Revised: 22 Sep 2023
Sumit Agarwal, Shashwat Alok, Pulak Ghosh, Soumya Ghosh, Tomasz Piskorski and Amit Seru
National University of Singapore, Indian School of Business (ISB), Hyderabad, Indian Institute of Management (IIMB), Bangalore, State Bank of India, Columbia University - Columbia Business School, Finance and Stanford University
Downloads 1,895 (18,792)
Citation 23

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

11.

Inconsistent Regulators: Evidence from Banking

Downloads 1,818 (20,057)
Citation 57

Inconsistent Regulators: Evidence from Banking

AFA 2013 San Diego Meetings Paper
Number of pages: 59 Posted: 03 Jan 2012 Last Revised: 10 Apr 2013
Sumit Agarwal, David O. Lucca, Amit Seru and Francesco Trebbi
National University of Singapore, Federal Reserve Banks - Federal Reserve Bank of New York, Stanford University and University of California, Berkeley - Haas School of Business
Downloads 1,728 (21,310)
Citation 1

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

Inconsistent Regulators: Evidence from Banking

NBER Working Paper No. w17736
Number of pages: 60 Posted: 06 Jan 2012 Last Revised: 19 Jun 2022
Sumit Agarwal, David O. Lucca, Amit Seru and Francesco Trebbi
National University of Singapore, Federal Reserve Banks - Federal Reserve Bank of New York, Stanford University and University of California, Berkeley - Haas School of Business
Downloads 90 (603,372)
Citation 56

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12.

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

Downloads 1,735 (21,578)
Citation 105

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

Number of pages: 95 Posted: 11 Jun 2015 Last Revised: 15 Sep 2017
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Government of the United States of America - 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 1,567 (24,696)
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

CESifo Working Paper Series No. 5521
Number of pages: 59 Posted: 19 Oct 2015
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Government of the United States of America - 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 96 (578,451)

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

NBER Working Paper No. w21567
Number of pages: 96 Posted: 21 Sep 2015 Last Revised: 07 Jun 2023
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Government of the United States of America - 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 70 (699,563)
Citation 85

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

CEPR Discussion Paper No. DP10839
Number of pages: 60 Posted: 21 Sep 2015
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Government of the United States of America - 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 (1,350,329)
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asymmetric information, credit card market, monetary policy, pass-through

13.

Demonetization and Digitization

Number of pages: 57 Posted: 02 Jul 2018 Last Revised: 11 Nov 2022
Sumit Agarwal, Debarati Basu, Pulak Ghosh, Bhuvanesh Pareek and Jian Zhang
National University of Singapore, Shiv Nadar University, School of Management and Entrepreneurship, Indian Institute of Management (IIMB), Bangalore, Indian Institute of Management (IIM), Indore and The University of Hong Kong - Faculty of Business and Economics
Downloads 1,679 (22,652)
Citation 16

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Digitization, Payment Method, Demonetization

14.

FinTech, Lending and Payment Innovation: A Review

Asia-Pacific Journal of Financial Studies, 2020
Number of pages: 19 Posted: 06 May 2020
Sumit Agarwal and Jian Zhang
National University of Singapore and The University of Hong Kong - Faculty of Business and Economics
Downloads 1,562 (25,485)

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FinTech; Banks; Lending; Payments; Household Finance

15.

Do Consumers Choose the Right Credit Contracts?

Downloads 1,472 (27,604)
Citation 69

Do Consumers Choose the Right Credit Contracts?

Number of pages: 26 Posted: 13 Nov 2005 Last Revised: 18 Mar 2015
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 783 (66,591)
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
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 364 (171,087)
Citation 27

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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
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 325 (193,555)
Citation 16

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

16.

Optimal Mortgage Refinancing: A Closed Form Solution

Downloads 1,443 (28,462)
Citation 19

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 1,375 (30,062)
Citation 3

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Mortgage, refinance, option value, normative economics

Optimal Mortgage Refinancing: A Closed Form Solution

NBER Working Paper No. w13487
Number of pages: 41 Posted: 15 Oct 2007 Last Revised: 09 Nov 2022
Sumit Agarwal, John C. Driscoll and David Laibson
National University of Singapore, Board of Governors of the Federal Reserve System and Harvard University - Department of Economics
Downloads 68 (710,694)
Citation 16

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17.

Determinants of Automobile Loan Default and Prepayment

Economic Perspectives, Vol. 32, No. 3, 2008
Number of pages: 12 Posted: 19 Sep 2008
Sumit Agarwal, Brent W. Ambrose and Souphala Chomsisengphet
National University of Singapore, Pennsylvania State University - Department of Insurance & Real Estate and Government of the United States of America - Office of the Comptroller of the Currency (OCC)
Downloads 1,343 (31,622)
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

18.

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

Downloads 1,313 (32,710)
Citation 29

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

Columbia Business School Research Paper No. 15-85, Kreisman Working Papers Series in Housing Law and Policy No. 27
Number of pages: 77 Posted: 21 Sep 2015 Last Revised: 24 Apr 2020
Sumit Agarwal, Gene Amromin, Souphala Chomsisengphet, Tim Landvoigt, Tomasz Piskorski, Amit Seru and Vincent Yao
National University of Singapore, Federal Reserve Bank of Chicago, Government of the United States of America - Office of the Comptroller of the Currency (OCC), University of Pennsylvania - The Wharton School, Columbia University - Columbia Business School, Finance, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 1,239 (34,949)
Citation 23

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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

NBER Working Paper No. w21512
Number of pages: 78 Posted: 31 Aug 2015 Last Revised: 13 Apr 2023
Sumit Agarwal, Gene Amromin, Souphala Chomsisengphet, Tomasz Piskorski, Amit Seru and Vincent Yao
National University of Singapore, Federal Reserve Bank of Chicago, Government of the United States of America - Office of the Comptroller of the Currency (OCC), Columbia University - Columbia Business School, Finance, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 74 (678,246)
Citation 6

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19.

Financial Counseling, Financial Literacy, and Household Decision Making

Pension Research Council WP 2010-34
Number of pages: 44 Posted: 24 Jun 2010 Last Revised: 29 Aug 2022
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 1,218 (36,469)
Citation 17

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Financial literacy, Household finance, Financial Literacy, Consumer Behavior

20.

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

Number of pages: 60 Posted: 27 Dec 2018 Last Revised: 14 Oct 2020
Sumit Agarwal, Yongheng Deng, Quanlin Gu, Jia He, Wenlan Qian and Yuan Ren
National University of Singapore, Wisconsin School of Business, University of Wisconsin-Madison, Peking University, Nankai University, National University of Singapore - NUS Business School and Zhejiang University
Downloads 1,122 (41,185)
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

21.

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 National University of Singapore - NUS Business School
Downloads 1,095 (42,608)
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.

22.

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, National University of Singapore - NUS Business School, National University of Singapore - Business School and Hong Kong Baptist University (HKBU)
Downloads 1,089 (43,000)
Citation 18

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

23.

Thy Neighbor’s Misfortune: Peer Effect on Consumption

American Economic Journal: Economic Policy, forthcoming
Number of pages: 78 Posted: 19 May 2016 Last Revised: 12 Oct 2020
Sumit Agarwal, Wenlan Qian and Xin Zou
National University of Singapore, National University of Singapore - NUS Business School and Hong Kong Baptist University (HKBU)
Downloads 1,057 (44,758)
Citation 40

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

24.

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

Downloads 1,002 (48,262)
Citation 25

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 555 (103,690)
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

FRB of Chicago Working Paper No. 2008-10
Number of pages: 49 Posted: 25 Nov 2008
Sumit Agarwal and Robert B. H. Hauswald
National University of Singapore and American University - Department of Finance and Real Estate
Downloads 447 (135,162)
Citation 19

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

25.

Disaggregated Sales and Stock Returns

Management Science
Number of pages: 56 Posted: 09 Jan 2017 Last Revised: 11 May 2022
Sumit Agarwal, Wenlan Qian and Xin Zou
National University of Singapore, National University of Singapore - NUS Business School and Hong Kong Baptist University (HKBU)
Downloads 960 (51,280)
Citation 6

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

26.

Searching for Approval

Downloads 904 (55,629)
Citation 7

Searching for Approval

Number of pages: 77 Posted: 30 Jun 2020
Sumit Agarwal, John Grigsby, Ali Hortaçsu, Gregor Matvos, Amit Seru and Vincent Yao
National University of Singapore, University of Chicago, University of Chicago, Northwestern University - Kellogg School of Management, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 788 (65,963)

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

Searching for Approval

NBER Working Paper No. w27341
Number of pages: 78 Posted: 09 Jun 2020 Last Revised: 17 Mar 2023
Sumit Agarwal, John Grigsby, Ali Hortaçsu, Gregor Matvos, Amit Seru and Vincent Yao
National University of Singapore, University of Chicago, University of Chicago, Northwestern University - Kellogg School of Management, Stanford University and Georgia State University - J. Mack Robinson College of Business
Downloads 116 (503,468)
Citation 7

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27.

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

Number of pages: 69 Posted: 28 Jul 2020 Last Revised: 14 Dec 2022
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 899 (56,058)
Citation 4

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digital payments, financial technology, consumption, India, Demonetization

28.

Refinancing Inequality During the COVID-19 Pandemic

Downloads 889 (56,926)
Citation 10

Refinancing Inequality During the COVID-19 Pandemic

Number of pages: 86 Posted: 16 Dec 2020 Last Revised: 26 Feb 2023
Sumit Agarwal, Souphala Chomsisengphet, Hua Kiefer, Leonard C. Kiefer and Paolina C. Medina
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), FDIC, Federal Home Loan Mortgage Corporation (FHLMC) and University of Houston
Downloads 765 (68,637)
Citation 8

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Mortgage Market, Refinancing, COVID-19, Wealth Inequality

Refinancing Inequality during the COVID-19 Pandemic

FDIC Center for Financial Research Paper No. 2021-08
Number of pages: 74 Posted: 08 Dec 2021
Hua Kiefer, Leonard C. Kiefer, Sumit Agarwal, Paolina C. Medina and Souphala Chomsisengphet
FDIC, Federal Home Loan Mortgage Corporation (FHLMC), National University of Singapore, University of Houston and Government of the United States of America - Office of the Comptroller of the Currency (OCC)
Downloads 124 (477,615)
Citation 2

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29.

Predatory Lending and the Subprime Crisis

Downloads 869 (58,831)
Citation 26

Predatory Lending and the Subprime Crisis

Journal of Financial Economics (JFE), Forthcoming, Fisher College of Business Working Paper No. 2012-03-008 , Charles A. Dice Center Working Paper No. 2012-8
Number of pages: 56 Posted: 10 May 2012 Last Revised: 11 Feb 2014
Sumit Agarwal, Itzhak Ben-David, Gene Amromin, Souphala Chomsisengphet and Douglas D. Evanoff
National University of Singapore, Ohio State University (OSU) - Department of Finance, Federal Reserve Bank of Chicago, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 788 (65,992)
Citation 1

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Predatory lending, subprime crisis, household finance, default

Predatory Lending and the Subprime Crisis

NBER Working Paper No. w19550
Number of pages: 56 Posted: 18 Oct 2013 Last Revised: 03 Jun 2023
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 81 (643,867)
Citation 25

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30.

Labor Mobility and Loan Origination

Journal of Financial and Quantitative Analysis, accepted
Number of pages: 59 Posted: 28 Jun 2019 Last Revised: 07 Feb 2023
Sumit Agarwal, Yupeng Lin, Yunqi Zhang and Zilong Zhang
National University of Singapore, National University of Singapore (NUS) - Sustainable & Green Finance Institute (SGFIN), School of Finance, Nankai University and Zhejiang University
Downloads 853 (60,201)

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

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 848 (60,725)
Citation 14

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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

32.

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

FRB of Philadelphia Working Paper No. 16-4
Number of pages: 49 Posted: 12 Feb 2016
Sumit Agarwal, Vyacheslav Mikhed and Barry Scholnick
National University of Singapore, Federal Reserve Bank of Philadelphia and University of Alberta - Department of Marketing, Business Economics & Law
Downloads 836 (61,949)

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

33.

Disguised Pollution: Industrial Activities in the Dark

Downloads 832 (62,344)
Citation 10

Disguised Pollution: Industrial Activities in the Dark

Number of pages: 61 Posted: 23 Apr 2019 Last Revised: 15 May 2023
Sumit Agarwal, Yajie Han, Yu Qin and Hongjia Zhu
National University of Singapore, Business School, National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and Jinan University
Downloads 791 (65,658)
Citation 2

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

Disguised Pollution: Industrial Activities in the Dark

Number of pages: 54 Posted: 26 Aug 2022
Sumit Agarwal, YAJIE HAN, Yu Qin and Hongjia Zhu
National University of Singapore, affiliation not provided to SSRN, affiliation not provided to SSRN and Jinan University
Downloads 41 (904,522)
Citation 8

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Air pollution, disguised behavior, industrial firms, inspections, China

34.

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: 29 Aug 2022
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 831 (62,435)
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

35.

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 National University of Singapore - NUS Business School
Downloads 826 (62,931)
Citation 23

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

36.

Disguised Corruption: Evidence from Consumer Credit in China

Number of pages: 68 Posted: 13 Apr 2018 Last Revised: 06 Dec 2018
Sumit Agarwal, Wenlan Qian, Amit Seru and Jian Zhang
National University of Singapore, National University of Singapore - NUS Business School, Stanford University and The University of Hong Kong - Faculty of Business and Economics
Downloads 808 (64,800)
Citation 38

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

37.

What Shapes Consumer Choice and Financial Products? - A Review

Downloads 808 (64,800)
Citation 12

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, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and EDHEC Business School
Downloads 808 (63,818)
Citation 12

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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, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and EDHEC Business School

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38.

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

Downloads 807 (64,926)
Citation 174

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 741 (71,595)
Citation 6

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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

NBER Working Paper No. w13694
Number of pages: 46 Posted: 21 Dec 2007 Last Revised: 04 Dec 2022
Sumit Agarwal, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 66 (722,190)
Citation 168

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39.

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

Number of pages: 75 Posted: 16 Aug 2020 Last Revised: 22 Mar 2024
Sumit Agarwal, Brent W. Ambrose, Luis A. Lopez and Xue Xiao
National University of Singapore, Pennsylvania State University - Department of Insurance & Real Estate, University of Illinois at Chicago and Virginia Tech - Pamplin College of Business
Downloads 737 (73,214)
Citation 3

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

40.

Transient Customer Response to Data Breaches of Their Information

Number of pages: 91 Posted: 30 Nov 2020 Last Revised: 10 Nov 2023
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 714 (76,295)

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data breach, convenience, privacy, digital economy

41.

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 National University of Singapore - NUS Business School
Downloads 703 (77,754)
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

42.

The Impact of Fertility Relaxation on the Gender Wage Gap

Number of pages: 62 Posted: 05 Mar 2025
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 694 (79,444)
Citation 3

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One-Child Policy, Gender Wage Gap, Labor Market

43.

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

Journal of Financial and Quantitative Analysis, March 2021
Number of pages: 58 Posted: 06 Dec 2016 Last Revised: 28 May 2021
Sumit Agarwal, Shashwat Alok, Yakshup Chopra and Prasanna L. Tantri
National University of Singapore, Indian School of Business (ISB), Hyderabad, University of Miami - Department of Finance and Indian School of Business
Downloads 693 (79,158)
Citation 5

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

44.

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

American Economic Journal: Economic Policy, Forthcoming, Fisher College of Business Working Paper No. 2008-03-020, Charles A. Dice Center Working Paper No. 2008-20, Paolo Baffi Centre Research Paper No. 2009-51, Networks Financial Institute Working Paper 2011-WP-12, FRB of Chicago Working Paper No. 2009-7, FDIC Center for Financial Research Working Paper No. 2009-04
Number of pages: 57 Posted: 20 Oct 2008 Last Revised: 19 Apr 2019
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 681 (80,916)
Citation 1

Abstract:

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Financial counseling, subprime crisis, predatory lending, household finance

45.

The Spending and Debt Response to Minimum Wage Hikes

FRB of Chicago Working Paper No. 2007-23
Number of pages: 65 Posted: 13 Jun 2008 Last Revised: 12 Feb 2011
Daniel Aaronson, Sumit Agarwal and Eric French
Federal Reserve Bank of Chicago, National University of Singapore and Institute for Fiscal Studies (IFS)
Downloads 679 (81,569)
Citation 81

Abstract:

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consumption, minimum wage, debt, liquidity constraint, durables

46.

Do Sanitary Pads Alleviate Period Poverty and Improve Girls' Educational Outcomes?

Number of pages: 54 Posted: 19 Aug 2022
Sumit Agarwal, Liu Ee Chia and Pulak Ghosh
National University of Singapore, Pennsylvania State University - Smeal College of Business and affiliation not provided to SSRN
Downloads 669 (82,818)

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47.

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

Number of pages: 68 Posted: 09 Feb 2017 Last Revised: 24 Apr 2020
Sumit Agarwal, Souphala Chomsisengphet, Yildiray Yildirim and Jian Zhang
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), Zicklin School of Business, Baruch College - The City University of New York and The University of Hong Kong - Faculty of Business and Economics
Downloads 664 (83,614)
Citation 2

Abstract:

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

48.

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

Downloads 659 (84,429)
Citation 47

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 566 (101,208)
Citation 47

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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?

NBER Working Paper No. w14659
Number of pages: 19 Posted: 25 Jan 2009 Last Revised: 23 Jul 2022
Sumit Agarwal, Paige Marta Skiba and Jeremy Tobacman
National University of Singapore, Vanderbilt University - Law School and Alfred Lerner College of Business and Economics, University of Delaware
Downloads 93 (590,709)

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49.

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 650 (85,911)
Citation 73

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

50.

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 National University of Singapore (NUS) - Sustainable & Green Finance Institute (SGFIN)
Downloads 632 (89,131)
Citation 8

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

51.

Household Finance: A Review

Oxford Research Encyclopedia of Economics and Finance, Forthcoming
Number of pages: 68 Posted: 02 Jun 2022
Sumit Agarwal, Jian Zhang and Xin Zou
National University of Singapore, The University of Hong Kong - Faculty of Business and Economics and Hong Kong Baptist University (HKBU)
Downloads 626 (90,184)

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household finance, saving, consumption, investment, housing, borrowing, FinTech

52.

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

Downloads 610 (93,264)
Citation 15

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

Number of pages: 36 Posted: 29 Mar 2014 Last Revised: 10 Jun 2019
Sumit Agarwal, Jia He, Haoming Liu, Ivan P. L. Png, Tien Foo Sing and Wei-Kang Wong
National University of Singapore, Nankai University, National University of Singapore (NUS) - Department of Economics, National University of Singapore (NUS), National University of Singapore (NUS) - Department of Real Estate and National University of Singapore (NUS) - Department of Economics
Downloads 459 (130,814)
Citation 10

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

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

IZA Discussion Paper No. 9899
Number of pages: 37 Posted: 25 Apr 2016
Sumit Agarwal, Jia He, Haoming Liu, Ivan P. L. Png, Tien Foo Sing and Wei-Kang Wong
National University of Singapore, Nankai University, National University of Singapore (NUS) - Department of Economics, National University of Singapore (NUS), National University of Singapore (NUS) - Department of Real Estate and National University of Singapore (NUS) - Department of Economics
Downloads 151 (406,940)
Citation 5

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

53.

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 603 (94,592)
Citation 3

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Labor Supply, Reference Dependent Preferences, Cab Drivers

54.

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

Economic Perspectives, Vol. 34, No. 4, 2010, FRB of Chicago Working Paper
Number of pages: 15 Posted: 18 Dec 2010
Sumit Agarwal, Jacqueline Barrett, Crystal Cun, Mariacristina De Nardi and Mariacristina De Nardi
National University of Singapore, affiliation not provided to SSRN, affiliation not provided to SSRN and Federal Reserve Bank of ChicagoUniversity College London, Economics Dpt.
Downloads 602 (94,810)
Citation 5

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securitization, credit crises, TALF

55.

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 599 (95,421)
Citation 13

Abstract:

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

56.

Why Do Borrowers Make Mortgage Refinancing Mistakes?

Downloads 597 (96,029)
Citation 38

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 421 (145,025)
Citation 12

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

Why Do Borrowers Make Mortgage Refinancing Mistakes?

FRB of Chicago Working Paper No. 2013-02
Number of pages: 52 Posted: 04 May 2013
Sumit Agarwal, Richard J. Rosen and Vincent Yao
National University of Singapore, Federal Reserve Bank of Chicago - Economic Research and Georgia State University - J. Mack Robinson College of Business
Downloads 176 (356,001)
Citation 26

Abstract:

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

57.

Cognitive Abilities and Household Financial Decision Making

FRB of Chicago Working Paper No. 2010-16
Number of pages: 42 Posted: 02 Aug 2010 Last Revised: 30 Mar 2011
Sumit Agarwal and Bhashkar Mazumder
National University of Singapore and Federal Reserve Bank of Chicago
Downloads 597 (95,832)
Citation 24

Abstract:

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Household finance, Credit Cards, Home Equity, AFQT Scores

58.

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 577 (100,007)
Citation 99

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Distance, Small Business, Information Asymmetries, Banking

59.

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 574 (100,708)
Citation 10

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

60.

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 554 (105,240)

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

61.

Serving the Underserved: Microcredit as a Pathway to Commercial Banks

Downloads 547 (106,921)
Citation 5

Serving the Underserved: Microcredit as a Pathway to Commercial Banks

Number of pages: 79 Posted: 07 Oct 2018 Last Revised: 01 Apr 2021
Sumit Agarwal, Thomas Kigabo, Camelia Minoiu, Andrea Presbitero and André F. Silva
National University of Singapore, National Bank of Rwanda, Federal Reserve Bank of Atlanta, International Monetary Fund (IMF) and Board of Governors of the Federal Reserve System
Downloads 374 (165,913)

Abstract:

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

Financial Access Under the Microscope

IMF Working Paper No. 18/208
Number of pages: 56 Posted: 15 Nov 2018
Sumit Agarwal, Thomas Kigabo, Camelia Minoiu, Andrea Presbitero and André F. Silva
National University of Singapore, National Bank of Rwanda, Federal Reserve Bank of Atlanta, International Monetary Fund (IMF) and Board of Governors of the Federal Reserve System
Downloads 91 (598,927)

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

FEDS Working Paper No. 2021-41
Number of pages: 78 Posted: 28 Jul 2021 Last Revised: 18 Jun 2022
Sumit Agarwal, Thomas Kigabo, Camelia Minoiu, Andrea Presbitero and André F. Silva
National University of Singapore, National Bank of Rwanda, Federal Reserve Bank of Atlanta, International Monetary Fund (IMF) and Board of Governors of the Federal Reserve System
Downloads 77 (662,878)

Abstract:

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

Serving the Underserved: Microcredit as a Pathway to Commercial Banks

CEPR Discussion Paper No. DP16013
Number of pages: 83 Posted: 14 May 2021
Sumit Agarwal, Thomas Kigabo, Camelia Minoiu, Andrea Presbitero and André F. Silva
National University of Singapore, National Bank of Rwanda, Federal Reserve Bank of Atlanta, International Monetary Fund (IMF) and Board of Governors of the Federal Reserve System
Downloads 5 (1,328,381)
Citation 5
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62.

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 539 (108,921)
Citation 1

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

63.

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 538 (109,189)
Citation 38

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

64.

Minimum Wage Increases and Eviction Risk

Downloads 532 (110,700)
Citation 1

Minimum Wage Increases and Eviction Risk

Journal of Urban Economics, Forthcoming
Number of pages: 57 Posted: 21 Dec 2018 Last Revised: 08 Dec 2021
Sumit Agarwal, Brent W. Ambrose and Moussa Diop
National University of Singapore, Pennsylvania State University - Department of Insurance & Real Estate and University of Southern California
Downloads 447 (135,096)

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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

FRB of Philadelphia Working Paper No. 19-28
Number of pages: 42 Posted: 17 Jul 2019
Sumit Agarwal, Brent W. Ambrose and Moussa Diop
National University of Singapore, Federal Reserve Banks - Federal Reserve Bank of Philadelphia and University of Southern California
Downloads 85 (625,566)
Citation 1

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

65.

Fickle Fingers: Ride-Hail Surge Factors and Taxi Bookings

Agarwal, Sumit, Ben Charoenwong, Shih-Fen Cheng, and Jussi Keppo. "The impact of ride-hail surge factors on taxi bookings." Transportation Research Part C: Emerging Technologies 136 (2022): 103508.
Number of pages: 49 Posted: 25 Apr 2018 Last Revised: 08 Sep 2024
Sumit Agarwal, Ben Charoenwong, Shih-Fen Cheng and Jussi Keppo
National University of Singapore, INSEAD, School of Computing and Information Systems, Singapore Management University and National University of Singapore (NUS) - NUS Business School
Downloads 532 (110,700)
Citation 6

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

66.

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, Yonsei University, Mirae Campus and National University of Singapore (NUS) - Department of Real Estate
Downloads 532 (110,967)
Citation 3

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

67.

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

Downloads 530 (111,220)
Citation 17

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 267 (238,264)
Citation 2

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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 136 (443,022)

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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

NBER Working Paper No. w19606
Number of pages: 51 Posted: 01 Nov 2013 Last Revised: 27 Jan 2023
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 127 (468,544)
Citation 15

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68.

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, National University of Singapore - NUS 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 529 (111,482)
Citation 10

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

69.

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: 29 Aug 2022
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 524 (112,806)
Citation 29

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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

70.

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 520 (113,878)
Citation 36

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71.

The Politics of Foreclosures

Journal of Finance, Forthcoming, Georgetown McDonough School of Business Research Paper No. 3054046, Fisher College of Business Working Paper No. 2017-03-021, Charles A. Dice Working Paper No. 2017-21
Number of pages: 111 Posted: 17 Oct 2017 Last Revised: 06 Jan 2018
Sumit Agarwal, Gene Amromin, Itzhak Ben-David and Serdar Dinc
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance and Rutgers University
Downloads 516 (114,930)
Citation 5

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

72.

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

Downloads 514 (115,503)

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

Number of pages: 31 Posted: 26 Jan 2005
Sumit Agarwal, Souphala Chomsisengphet, S. Ghon Rhee and Chunlin Liu
National University of Singapore, Government of the United States of America - 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 514 (114,078)

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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
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and S. Ghon Rhee
National University of Singapore, Government of the United States of America - 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

73.

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

Number of pages: 52 Posted: 25 Oct 2021
Sumit Agarwal, Kam C. Chan, Qinyuan Chen, Rongrong Xie and Nianhang Xu
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 513 (115,792)

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

74.

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 510 (117,414)
Citation 6

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

75.

An Empirical Analysis of Home Equity Loan and Line Performance

Downloads 499 (119,719)
Citation 10

An Empirical Analysis of Home Equity Loan and Line Performance

Number of pages: 44 Posted: 17 Sep 2004
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Pennsylvania State University - Department of Insurance & Real Estate, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 499 (118,293)
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
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Pennsylvania State University - Department of Insurance & Real Estate, Government of the United States of America - 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

76.

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, College of Business, Korea Advanced Institute of Science and Technology (KAIST), Nankai University - School of Economics and National University of Singapore (NUS) - Department of Real Estate
Downloads 484 (124,162)
Citation 18

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

77.

Financial Decision Making When Buying and Owning a Home

Number of pages: 40 Posted: 21 Sep 2014
Sumit Agarwal, Crocker Herbert Liu, Walter N. Torous and Vincent Yao
National University of Singapore, Cornell University - School of Hotel Administration, Massachusetts Institute of Technology and Georgia State University - J. Mack Robinson College of Business
Downloads 483 (124,488)
Citation 5

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

78.

The Geography of Consumption

Downloads 481 (126,065)
Citation 16

The Geography of Consumption

Number of pages: 46 Posted: 18 Jul 2017
Sumit Agarwal, J. Bradford Jensen and Ferdinando Monte
National University of Singapore, Georgetown University - McDonough School of Business and Georgetown University - McDonough School of Business
Downloads 440 (137,729)
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

NBER Working Paper No. w23616
Number of pages: 71 Posted: 25 Jul 2017 Last Revised: 13 Jul 2023
Sumit Agarwal, J. Bradford Jensen and Ferdinando Monte
National University of Singapore, Georgetown University - McDonough School of Business and Georgetown University - McDonough School of Business
Downloads 39 (923,206)
Citation 1

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Consumer Mobility and the Local Structure of Consumption Industries

CEPR Discussion Paper No. DP12150
Number of pages: 87 Posted: 18 Jul 2017 Last Revised: 10 Feb 2020
Sumit Agarwal, J. Bradford Jensen and Ferdinando Monte
National University of Singapore, Georgetown University - McDonough School of Business and Georgetown University - McDonough School of Business
Downloads 2 (1,350,329)
Citation 5
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79.

Tax Differential and Cross-Border Shopping: Evidence from Singapore

Downloads 467 (129,577)
Citation 5

Tax Differential and Cross-Border Shopping: Evidence from Singapore

Number of pages: 49 Posted: 08 May 2013 Last Revised: 02 Mar 2017
Sumit Agarwal, Souphala Chomsisengphet, Wenlan Qian and Weibiao Xu
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), National University of Singapore - NUS Business School and National University of Singapore (NUS)
Downloads 307 (205,927)
Citation 2

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
Sumit Agarwal, Souphala Chomsisengphet, Wenlan Qian and Weibiao Xu
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), National University of Singapore - NUS Business School and Singapore University of Social Sciences
Downloads 160 (387,140)
Citation 3

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

80.

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 Yonsei University, Mirae Campus
Downloads 460 (131,975)

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

81.

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 University of Florida - Department of Finance, Insurance and Real Estate
Downloads 455 (133,702)
Citation 4

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

82.

The Role of Consumption in Marriage Commitment: Evidence from Singapore’s Build-to-Order Program

Number of pages: 43 Posted: 06 Dec 2021 Last Revised: 26 Sep 2023
Sumit Agarwal, Yi Fan, Wenlan Qian and Tien Foo Sing
National University of Singapore, National University of Singapore (NUS) - Sustainable & Green Finance Institute (SGFIN), National University of Singapore - NUS Business School and National University of Singapore (NUS) - Department of Real Estate
Downloads 449 (135,909)

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public housing, affordability, private consumption, marriage friction

83.

Benefits of Relationship Banking: Evidence from Consumer Credit Markets

Downloads 441 (138,901)
Citation 63

Benefits of Relationship Banking: Evidence from Consumer Credit Markets

FRB of Chicago Working Paper No. 2010-05
Number of pages: 45 Posted: 24 Jul 2010
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and University of Pennsylvania - Finance Department
Downloads 234 (271,971)
Citation 48

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
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu, Changcheng Song and Nicholas S. Souleles
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business, University of Florida - Department of Finance, Insurance and Real Estate and University of Pennsylvania - Finance Department
Downloads 207 (306,145)
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
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Nicholas S. Souleles
National University of Singapore, Government of the United States of America - 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

84.

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 440 (139,245)
Citation 19

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

85.

How Does Financial Literacy Affect Mortgage Default?

Downloads 439 (139,611)
Citation 1

How Does Financial Literacy Affect Mortgage Default?

Number of pages: 48 Posted: 02 May 2015 Last Revised: 25 Jan 2017
Sumit Agarwal, Souphala Chomsisengphet and Yunqi Zhang
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and School of Finance, Nankai University
Downloads 439 (138,104)
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
Sumit Agarwal, Souphala Chomsisengphet and Yunqi Zhang
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and School of Finance, Nankai University

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Mortgage, Financial crisis, Household finance, Financial professional

86.

Minimum Wage Increases and Employer Performance

Number of pages: 40 Posted: 12 May 2020
Sumit Agarwal, Meghana Ayyagari and Renata Kosova
National University of Singapore, George Washington University - School of Business and Imperial College London
Downloads 438 (139,981)

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Minimum wages, Firm performance, Entry rates, Hotel Industry

87.

Do Saving Tax Incentives Work? Evidence from Home Equity Accumulation and Consumption Responses

Number of pages: 66 Posted: 17 Aug 2017 Last Revised: 11 Jan 2025
Sumit Agarwal, Souphala Chomsisengphet, Pulak Ghosh, Tianyue Ruan, Changcheng Song and Man Zhang
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), Indian Institute of Management (IIMB), Bangalore, National University of Singapore (NUS) - Department of Finance, University of Florida - Department of Finance, Insurance and Real Estate and National University of Singapore, Institute of Real Estate and Urban Studies
Downloads 423 (145,666)
Citation 1

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voluntary savings, home equity, consumption, tax deduction, fiscal policy, general equilibrium, housing market, welfare

88.

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

Number of pages: 56 Posted: 16 Jan 2017 Last Revised: 30 Nov 2022
Sumit Agarwal, Changcheng Song and Vincent Yao
National University of Singapore, University of Florida - Department of Finance, Insurance and Real Estate and Georgia State University - J. Mack Robinson College of Business
Downloads 422 (146,514)
Citation 8

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Deregulation; competition; shrouding; behavioral bias

89.

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

Number of pages: 75 Posted: 14 Jul 2020 Last Revised: 28 Mar 2023
Sumit Agarwal, Wenlan Qian, Tianyue Ruan and Bernard Yin Yeung
National University of Singapore, National University of Singapore - NUS Business School, National University of Singapore (NUS) - Department of Finance and National University of Singapore - Business School
Downloads 421 (146,514)

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retirement support, cash transfer, consumption, liquidity constraints

90.

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

MIT Center for Real Estate Research Paper No. 21/09
Number of pages: 56 Posted: 17 Feb 2021
Sumit Agarwal, Crocker Herbert Liu, Walter N. Torous and Vincent Yao
National University of Singapore, Cornell University - School of Hotel Administration, Massachusetts Institute of Technology and Georgia State University - J. Mack Robinson College of Business
Downloads 420 (147,327)

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

91.

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) - NUS Business School and National University of Singapore (NUS) - Department of Real Estate
Downloads 420 (146,916)

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

92.

Golf Buddies and Board Diversity

Number of pages: 17 Posted: 13 Dec 2015
Sumit Agarwal, Wenlan Qian, David M. Reeb and Tien Foo Sing
National University of Singapore, National University of Singapore - NUS Business School, National University of Singapore - Dept of Accounting and National University of Singapore (NUS) - Department of Real Estate
Downloads 413 (149,845)
Citation 1

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Board of Directors, Golf, Gender, Board Diversity

93.

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

Downloads 409 (151,525)
Citation 3

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

Number of pages: 90 Posted: 05 Aug 2020 Last Revised: 22 Jan 2024
Sumit Agarwal, Xudong An, Larry Cordell and Raluca A. Roman
National University of Singapore, Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Banks - Federal Reserve Bank of Philadelphia and Federal Reserve Bank of Philadelphia
Downloads 219 (289,944)

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

Bank Stress Test Results and Their Impact on Consumer Credit Markets

FRB of Philadelphia Working Paper No. 20-30
Number of pages: 84 Posted: 03 Aug 2020
Sumit Agarwal, Xudong An, Larry Cordell and Raluca A. Roman
National University of Singapore, Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Banks - Federal Reserve Bank of Philadelphia and Federal Reserve Bank of Philadelphia
Downloads 190 (331,903)
Citation 3

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

94.

Holdup by Junior Claimholders: Evidence from the Mortgage Market

Downloads 407 (152,355)
Citation 7

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: 24 Aug 2022
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Yan Zhang
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Government of the United States of America - 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 338 (185,575)
Citation 7

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

Holdup by Junior Claimholders: Evidence from the Mortgage Market

NBER Working Paper No. w20015
Number of pages: 47 Posted: 31 Mar 2014 Last Revised: 11 Mar 2023
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Yan Zhang
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Government of the United States of America - 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 69 (704,851)

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95.

Impact of Transboundary Air Pollution on Service Quality and Consumer Satisfaction

Downloads 401 (154,905)
Citation 5

Impact of Transboundary Air Pollution on Service Quality and Consumer Satisfaction

Journal of Economic Behavior and Organization, Forthcoming
Number of pages: 45 Posted: 26 Jun 2018 Last Revised: 19 Oct 2021
Sumit Agarwal, Long Wang and Zoe Yang
National University of Singapore, Fudan University - School of Economics and The Chinese University of Hong Kong - CUHK Business School
Downloads 292 (217,183)
Citation 2

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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, Fudan University - School of Economics and The Chinese University of Hong Kong - CUHK Business School
Downloads 109 (527,910)
Citation 3

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

96.

Road to Stock Market Participation

Number of pages: 63 Posted: 02 Aug 2021
Sumit Agarwal, Meghana Ayyagari, Yuxi Cheng and Pulak Ghosh
National University of Singapore, George Washington University - School of Business, University of Liverpool - Management School (ULMS) and Indian Institute of Management (IIMB), Bangalore
Downloads 396 (157,147)
Citation 2

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Trading behavior, Financial Inclusion, Information, Banks, Infrastructure

97.

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

Number of pages: 46 Posted: 19 Jan 2014 Last Revised: 30 Mar 2017
Sumit Agarwal, Satyanarain Rengarajan, Tien Foo Sing and Zoe Yang
National University of Singapore, National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and The Chinese University of Hong Kong - CUHK Business School
Downloads 392 (158,908)
Citation 8

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

98.

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 R. Hu
National University of Singapore and Zicklin School of Business, Baruch College - The City University of New York
Downloads 381 (164,105)
Citation 2

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

99.

Corporate ESG Profiles and Consumption

Number of pages: 55 Posted: 13 May 2023
Sumit Agarwal, Quanlin Gu, Jia He and Qi Zhang
National University of Singapore, Central University of Finance and Economics, Nankai University and Nankai University
Downloads 379 (165,055)
Citation 4

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ESG, consumer spending, credit cards

100.

Information Asymmetries and Learning in Commercial Real Estate Markets

Number of pages: 58 Posted: 21 Aug 2017 Last Revised: 24 Apr 2018
Sumit Agarwal, Tien Foo Sing and Long Wang
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and Fudan University - School of Economics
Downloads 376 (166,505)
Citation 12

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

101.

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: 30 Aug 2022
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 376 (166,505)
Citation 18

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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

102.

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

Downloads 365 (172,079)
Citation 11

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

Working Paper No. 10-4
Number of pages: 33 Posted: 07 Dec 2004
Sumit Agarwal, Chunlin Liu and S. Ghon Rhee
National University of Singapore, University of Nevada, Reno - College of Business and University of Hawaii at Manoa - Shidler College of Business
Downloads 365 (170,594)
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

103.

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

Journal of Banking and Finance, Forthcoming
Number of pages: 48 Posted: 23 Oct 2017 Last Revised: 12 Oct 2020
Sumit Agarwal, Souphala Chomsisengphet, Stephan Meier and Xin Zou
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), Columbia University - Columbia Business School and Hong Kong Baptist University (HKBU)
Downloads 352 (179,588)

Abstract:

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Credit Cards, Mood, Sunshine, Household Finance, Consumption

104.

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 National University of Singapore - NUS Business School
Downloads 348 (181,287)
Citation 17

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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

105.

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

Number of pages: 94 Posted: 26 Feb 2015 Last Revised: 14 Apr 2023
Sumit Agarwal, Muris Hadzic, Changcheng Song and Yildiray Yildirim
National University of Singapore, Whitman School of Management, Syracuse University, University of Florida - Department of Finance, Insurance and Real Estate and Zicklin School of Business, Baruch College - The City University of New York
Downloads 347 (181,873)
Citation 5

Abstract:

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

106.

How Migrant Workers Optimize the Use of Fintech to Send International Remittances

KAIST College of Business Working Paper Series
Number of pages: 69 Posted: 24 Sep 2021 Last Revised: 16 Mar 2024
Sumit Agarwal, Sangheum Cho, Hyun-Soo Choi and Leora Klapper
National University of Singapore, Bank of Korea, College of Business, Korea Advanced Institute of Science and Technology (KAIST) and World Bank
Downloads 342 (184,811)

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International Remittance, FinTech, Social Networks, Learning

107.

Gender Gap in Personal Bankruptcy Risks: Empirical Evidence from Singapore

Review of Finance, Forthcoming, 27th Australasian Finance and Banking Conference 2014 Paper
Number of pages: 55 Posted: 22 Oct 2013 Last Revised: 07 Oct 2016
Sumit Agarwal, Jia He, Tien Foo Sing and Jian Zhang
National University of Singapore, Nankai University, National University of Singapore (NUS) - Department of Real Estate and The University of Hong Kong - Faculty of Business and Economics
Downloads 341 (185,406)
Citation 1

Abstract:

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Personal Bankruptcy, Gender, Risk Aversion, Household Finance

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
Sumit Agarwal, Souphala Chomsisengphet and Susie Qi Wang
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and National University of Singapore
Downloads 337 (187,756)
Citation 3

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

109.

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 - Department of Insurance & Real Estate and Georgia State University - J. Mack Robinson College of Business
Downloads 331 (191,397)
Citation 21

Abstract:

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mortgages, valuation, financial crisis, regulations, appraisal bias

110.

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

Journal of Money, Credit and Banking, Forthcoming
Number of pages: 18 Posted: 01 Apr 2010
Sumit Agarwal, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 328 (193,894)
Citation 19

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

111.

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

Number of pages: 61 Posted: 27 Oct 2020 Last Revised: 20 Feb 2024
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 327 (193,894)

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

112.

Dissecting the Information Value of Sovereign Credit Rating Reports

Number of pages: 52 Posted: 18 Nov 2014 Last Revised: 05 Apr 2019
Sumit Agarwal, Vincent Y. S. Chen, Geoffrey Sim and Weina Zhang
National University of Singapore, National University of Singapore, Credit Suisse and National University of Singapore (NUS) - Sustainable & Green Finance Institute (SGFIN)
Downloads 321 (197,728)
Citation 1

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

113.

The Opioid Epidemic and Consumer Credit Supply: Evidence from Credit Cards

Downloads 320 (198,385)
Citation 1

The Opioid Epidemic and Consumer Credit Supply: Evidence from Credit Cards

Number of pages: 67 Posted: 15 Aug 2022 Last Revised: 12 Feb 2025
Sumit Agarwal, Wenli Li, Raluca A. Roman and Nonna Sorokina
National University of Singapore, Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and The Pennsylvania State University
Downloads 248 (256,812)
Citation 1

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Opioid Epidemic, Household Finance, Credit Supply, Spending, Risk

The Opioid Epidemic and Consumer Credit Supply: Evidence from Credit Cards

FRB of Philadelphia Working Paper No. 23-28
Number of pages: 66 Posted: 01 Dec 2023
Sumit Agarwal, Wenli Li, Raluca A. Roman and Nonna Sorokina
National University of Singapore, Federal Reserve Banks - Federal Reserve Bank of Philadelphia, Federal Reserve Bank of Philadelphia and The Pennsylvania State University
Downloads 72 (688,431)

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Opioid Epidemic, Household Finance, Credit Supply, Spending, Risk

114.

Loan Commitments and Private Firms

Number of pages: 22 Posted: 22 Sep 2004
Sumit Agarwal, Souphala Chomsisengphet and John C. Driscoll
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Board of Governors of the Federal Reserve System
Downloads 320 (198,385)
Citation 13

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Bank loan commitment; credit lines, private firms

115.

Consumer Bankruptcy and Default: The Role of Individual Social Capital

Journal of Economic Psychology, Forthcoming
Number of pages: 37 Posted: 23 May 2009 Last Revised: 30 Nov 2010
Sumit Agarwal, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 319 (199,045)
Citation 5

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

116.

Market Impacts and Unintended Consequences of Housing Assistance Policies with Price Threshold

Downloads 318 (199,697)

Market Impacts and Unintended Consequences of Housing Assistance Policies with Price Threshold

Number of pages: 70 Posted: 10 Sep 2020 Last Revised: 11 Oct 2023
Sumit Agarwal, Maggie R. Hu and Adrian D. Lee
National University of Singapore, Zicklin School of Business, Baruch College - The City University of New York and Deakin University - Department of Finance (Property and Real Estate)
Downloads 257 (247,609)

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

Market Impacts and Unintended Consequences of Housing Assistance Policies with Price Threshold

Number of pages: 72 Posted: 25 Oct 2023
Sumit Agarwal, Maggie R. Hu and Adrian D. Lee
National University of Singapore, Zicklin School of Business, Baruch College - The City University of New York and Deakin University - Department of Finance (Property and Real Estate)
Downloads 61 (752,098)

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

117.

Effects of Government Bailouts on Mortgage Modification

Downloads 314 (202,439)
Citation 1

Effects of Government Bailouts on Mortgage Modification

Georgetown McDonough School of Business Research Paper No. 2479349
Number of pages: 52 Posted: 13 Aug 2014 Last Revised: 22 Jun 2017
Sumit Agarwal and Yunqi Zhang
National University of Singapore and School of Finance, Nankai University
Downloads 314 (200,882)
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

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

118.

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

Journal of Financial Markets, Forthcoming
Number of pages: 37 Posted: 01 Feb 2007 Last Revised: 09 Mar 2008
Sumit Agarwal, Sheri Faircloth, S. Ghon Rhee and Chunlin Liu
National University of Singapore, University of Nevada, Reno - College of Business Administration, University of Hawaii at Manoa - Shidler College of Business and University of Nevada, Reno - College of Business
Downloads 307 (207,479)
Citation 4

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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

119.

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

Number of pages: 39 Posted: 25 May 2009
Sumit Agarwal, Brent W. Ambrose, Henry Hongren Huang and Yildiray Yildirim
National University of Singapore, Pennsylvania State University - Department of Insurance & Real Estate, National Central University and Zicklin School of Business, Baruch College - The City University of New York
Downloads 303 (210,422)
Citation 1

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leasing valuation, credit risk, endogenous default

120.

Tobin Tax Policy, Housing Speculation, and Property Market Dynamics

Number of pages: 94 Posted: 10 Sep 2020 Last Revised: 10 Jan 2022
Sumit Agarwal, K.W. Chau, Maggie R. Hu and Wayne Xinwei Wan
National University of Singapore, The University of Hong Kong - Ronald Coase Centre for Property Rights Research - Economics, Zicklin School of Business, Baruch College - The City University of New York and Monash University - Department of Banking and Finance
Downloads 293 (217,865)

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

121.

Taxing the Rich to Finance Redistribution – Evidence from a Permanent Tax Increase in Singapore

Forthcoming in Management Science
Number of pages: 67 Posted: 24 Apr 2020 Last Revised: 24 Feb 2023
Sumit Agarwal, Wenlan Qian, Bernard Yin Yeung and Huanhuan Zheng
National University of Singapore, National University of Singapore - NUS Business School, National University of Singapore - Business School and National University of Singapore
Downloads 293 (217,865)

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income tax; consumption; savings; redistributive policy; fiscal policy

122.

Like Father Like Son? Social Engineering and Intergenerational Mobility in Housing Consumption

Number of pages: 46 Posted: 27 Dec 2021 Last Revised: 26 Sep 2023
Sumit Agarwal, Yi Fan, Wenlan Qian and Tien Foo Sing
National University of Singapore, National University of Singapore (NUS) - Sustainable & Green Finance Institute (SGFIN), National University of Singapore - NUS Business School and National University of Singapore (NUS) - Department of Real Estate
Downloads 291 (219,494)

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housing consumption, intergenerational mobility, social engineering programs, human capital

123.

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, School of Computing and Information Systems, Singapore Management University, National University of Singapore (NUS) - NUS Business School and National University of Singapore (NUS)
Downloads 290 (220,305)
Citation 3

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

124.

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: 29 Aug 2022
Sumit Agarwal, Souphala Chomsisengphet, Robert McMenamin and Paige Marta Skiba
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), Federal Reserve Bank of Chicago - Economic Research and Vanderbilt University - Law School
Downloads 281 (227,635)
Citation 4

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

125.

Banking Crisis Regulator

Number of pages: 58 Posted: 15 Mar 2023 Last Revised: 13 May 2023
Sumit Agarwal, Yupeng Lin, Michael Shen and Sirui Wu
National University of Singapore, National University of Singapore (NUS) - Sustainable & Green Finance Institute (SGFIN), National University of Singapore and Xi'an Jiaotong University (XJTU)
Downloads 280 (228,434)

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126.

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 National University of Singapore - NUS Business School
Downloads 278 (230,113)
Citation 5

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credit supply, mortgage market, household finance

127.

A Simple Framework for Estimating Consumer Benefits from Regulating Hidden Fees

Number of pages: 15 Posted: 04 Oct 2014
Sumit Agarwal, Souphala Chomsisengphet, Neale Mahoney and Johannes Stroebel
National University of Singapore, Government of the United States of America - 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 274 (234,348)
Citation 5

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

128.

Liberalizing Home-Based Business

Management Science, forthcoming
Number of pages: 47 Posted: 13 Mar 2018 Last Revised: 13 Oct 2023
Sumit Agarwal, Tien Foo Sing, Changcheng Song and Jian Zhang
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate, University of Florida - Department of Finance, Insurance and Real Estate and The University of Hong Kong - Faculty of Business and Economics
Downloads 267 (239,767)
Citation 1

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Entrepreneurship, Home-Base Work, Experimentation

129.

Consumption and Portfolio Rebalancing Response of Households to Monetary Policy

Number of pages: 62 Posted: 22 May 2020 Last Revised: 30 Mar 2022
Sumit Agarwal, Yeow Hwee Chua, Pulak Ghosh and Changcheng Song
National University of Singapore, Nanyang Technological University (NTU), Indian Institute of Management (IIMB), Bangalore and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 266 (240,677)

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

130.

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 259 (247,281)
Citation 5

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

131.

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

Downloads 258 (248,211)
Citation 1

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 158 (391,436)
Citation 1

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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 100 (562,632)

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

132.

Inflation Expectations of Households and Portfolio Rebalancing: Evidence from Inflation Targeting in India

Number of pages: 42 Posted: 09 Apr 2022 Last Revised: 27 Sep 2023
Sumit Agarwal, Yeow Hwee Chua, Pulak Ghosh and Changcheng Song
National University of Singapore, Nanyang Technological University (NTU), Indian Institute of Management (IIMB), Bangalore and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 252 (254,274)
Citation 1

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Inflation Expectations, Inflation Targeting, Household Finance, Household Balance Sheet, Consumption, Savings, Reach for Yield

133.

Familiarity Breeds Contagion

Indian School of Business
Number of pages: 59 Posted: 07 Jan 2020 Last Revised: 15 Dec 2020
Sumit Agarwal, Aditya Murlidharan, Naman Nishesh and Prasanna L. Tantri
National University of Singapore, Indian School Of Business, University of North Carolina (UNC) at Chapel Hill - Kenan-Flagler Business School and Indian School of Business
Downloads 252 (254,274)

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Caste; Contagion; Social Networks; Group Loans; Information

134.

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, INSEAD and Indian Institute of Management (IIMB), Bangalore
Downloads 251 (255,321)
Citation 1

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

135.

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

Number of pages: 53 Posted: 02 Oct 2007
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Pennsylvania State University - Department of Insurance & Real Estate, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 249 (257,289)
Citation 3

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

136.

Do Forbearance Plans Help Mitigate Credit Card Losses?

Number of pages: 22 Posted: 08 Jul 2005 Last Revised: 17 Jan 2008
Sumit Agarwal, Souphala Chomsisengphet and Lawrence Mielnicki
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and De Lage Landen Financial Services
Downloads 242 (264,613)
Citation 1

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Credit card default, forbearance, loss mitigation, hazard models

137.

Bridging the Information Gap: Sowing the Seeds of Productivity with High-Speed 4G Internet

Olin Business School Center for Finance & Accounting Research Paper No. 2024/16
Number of pages: 93 Posted: 25 Apr 2024
Sumit Agarwal, Mohit Desai, Pulak Ghosh and Nishant Vats
National University of Singapore, University of North Carolina (UNC) at Chapel Hill - Kenan-Flagler Business School, Indian Institute of Management (IIMB), Bangalore and Washington University in Saint Louis, John M. Olin Business School
Downloads 240 (266,752)

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138.

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

US Census Bureau Center for Economic Studies Paper No. CES-WP-08-08
Number of pages: 40 Posted: 18 Mar 2008 Last Revised: 10 Oct 2012
Sumit Agarwal, I-Ming Chiu, Victor Souphom and Guy Yamashiro
National University of Singapore, Rutgers, The State University of New Jersey - Rutgers University, Camden, U.S. Census Bureau - Center for Economic Studies and California State University, Long Beach - Department of Economics
Downloads 240 (266,752)
Citation 2

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Internal Capital Allocation, Diversified Firm, Investment

139.

Inflation Expectations of Households and the Upgrading Channel

Number of pages: 50 Posted: 16 Apr 2020
Sumit Agarwal, Yeow Hwee Chua and Changcheng Song
National University of Singapore, Nanyang Technological University (NTU) and University of Florida - Department of Finance, Insurance and Real Estate
Downloads 235 (272,284)
Citation 2

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

140.

Loan Prospecting and the Loss of Soft Information

NBER Working Paper No. w19945
Number of pages: 57 Posted: 03 Mar 2014 Last Revised: 02 Jul 2023
Sumit Agarwal and Itzhak Ben-David
National University of Singapore and Ohio State University (OSU) - Department of Finance
Downloads 231 (276,844)
Citation 10

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141.

Homebuilders, Affiliated Financing Arms, and the Mortgage Crisis

Downloads 231 (276,844)
Citation 4

Homebuilders, Affiliated Financing Arms, and the Mortgage Crisis

Economic Perspectives, Vol. 38, No. 2, 2014
Number of pages: 14 Posted: 04 Jun 2014
Sumit Agarwal, Gene Amromin, Claudine Madras Gartenberg, Anna L. Paulson and Sriram V. Villupuram
National University of Singapore, Federal Reserve Bank of Chicago, Wharton School, University of Penn, Federal Reserve Bank of Chicago and University of Texas at Arlington - Department of Finance and Real Estate
Downloads 118 (496,703)
Citation 1

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

Homebuilders, Affiliated Financing Arms and the Mortgage Crisis

Number of pages: 17 Posted: 31 Oct 2011
Sumit Agarwal, Gene Amromin, Claudine Madras Gartenberg, Anna L. Paulson and Sriram V. Villupuram
National University of Singapore, Federal Reserve Bank of Chicago, Wharton School, University of Penn, Federal Reserve Bank of Chicago and University of Texas at Arlington - Department of Finance and Real Estate
Downloads 113 (513,730)
Citation 3

Abstract:

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

142.

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

Number of pages: 46 Posted: 24 Sep 2020 Last Revised: 30 Sep 2020
Sumit Agarwal, Weida Kuang, Long Wang and Zoe Yang
National University of Singapore, Renmin University of China - School of Business, Fudan University - School of Economics and The Chinese University of Hong Kong - CUHK Business School
Downloads 228 (280,270)

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Tax evasion; housing market interventions; housing market

143.

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 226 (282,711)

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

144.

The Effects of Policy Announcement, Prices, and Subsidies on Water Consumption

Agarwal, S., Araral, E., Fan, M. et al. The effects of policy announcement, prices and subsidies on water consumption. Nat Water 1, 176–186 (2023). https://doi-org.libproxy1.nus.edu.sg/10.1038/s44221-023-00028-1
Number of pages: 64 Posted: 06 Jan 2023 Last Revised: 27 Apr 2023
Sumit Agarwal, Eduardo Araral, Mingxuan Fan, Yu Qin and Huanhuan Zheng
National University of Singapore, National University of Singapore (NUS), National University of Singapore (NUS), National University of Singapore (NUS) - Department of Real Estate and National University of Singapore
Downloads 225 (283,959)

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Water price; utility subsidy; announcement effect; water conservation

145.

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, University of Florida - Department of Finance, Insurance and Real Estate and Georgia State University - J. Mack Robinson College of Business
Downloads 224 (285,186)
Citation 5

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

146.

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

Number of pages: 37 Posted: 22 Nov 2014 Last Revised: 18 Oct 2016
Sumit Agarwal, Satyanarain Rengarajan, Tien Foo Sing and Zoe Yang
National University of Singapore, National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and The Chinese University of Hong Kong - CUHK Business School
Downloads 224 (286,412)
Citation 3

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

147.

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 - Department of Insurance & Real Estate and Zicklin School of Business, Baruch College - The City University of New York
Downloads 220 (290,077)
Citation 2

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Subprime, Default, Portfolio Risk

148.

Street Name Fluency and Housing Prices

Number of pages: 64 Posted: 14 Oct 2019 Last Revised: 13 Apr 2021
Sumit Agarwal, Maggie R. Hu and Adrian D. Lee
National University of Singapore, Zicklin School of Business, Baruch College - The City University of New York and Deakin University - Department of Finance (Property and Real Estate)
Downloads 219 (291,375)

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name fluency, hedonic pricing, real estate, behavioral economics

149.

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 218 (292,616)
Citation 2

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

150.

Lenders’ Pricing Strategy: Do Neighborhood Risks Matter?

Downloads 218 (292,616)

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 110 (524,085)

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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 108 (531,417)

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

151.

Mortgage Brokers and the Effectiveness of Regulatory Oversights

Management Science, forthcoming
Number of pages: 58 Posted: 29 Apr 2019 Last Revised: 27 Apr 2020
Sumit Agarwal, Swee Hoon Ang, Yongheng Deng and Yonglin Wang
National University of Singapore, National University of Singapore (NUS) - Department of Marketing, Wisconsin School of Business, University of Wisconsin-Madison and Lingnan University
Downloads 218 (292,616)
Citation 5

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

152.

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 National University of Singapore - NUS Business School
Downloads 216 (295,189)
Citation 5

Abstract:

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

153.

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

Downloads 214 (297,829)
Citation 9

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
Sumit Agarwal, Ricardo Correa, Bernardo Morais, Jessica Roldan, Claudia Ruiz Ortega and Claudia Ruiz Ortega
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 119 (493,483)
Citation 9

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

International Finance Discussion Paper No. 1288
Number of pages: 44 Posted: 16 Jul 2020
Sumit Agarwal, Ricardo Correa, Bernardo Morais, Jessica Roldán, Claudia Ruiz Ortega and Claudia Ruiz Ortega
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 95 (582,388)

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credit exposures, Bank lending, Financial stability, Commodity prices, Emerging markets

154.

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

Number of pages: 37 Posted: 25 Dec 2013 Last Revised: 24 Nov 2015
Sumit Agarwal, Satyanarain Rengarajan, Tien Foo Sing and Derek Vollmer
National University of Singapore, National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and Future Cities Laboratory
Downloads 213 (299,123)
Citation 1

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

155.

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

FRB of Chicago Working Paper No. 2008-09
Number of pages: 60 Posted: 17 Nov 2008 Last Revised: 14 Dec 2008
Sumit Agarwal and Brent W. Ambrose
National University of Singapore and Pennsylvania State University - Department of Insurance & Real Estate
Downloads 213 (299,123)
Citation 4

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Persuasion, Advertising, Contract Choice, Home-equity Lending

156.

Gender Wage Gap for Singaporean Taxi Drivers: Are Women Strategic Workers?

Downloads 212 (300,460)

Gender Wage Gap for Singaporean Taxi Drivers: Are Women Strategic Workers?

Number of pages: 33 Posted: 30 Dec 2021
Sumit Agarwal, Shih-Fen Cheng, Tien Foo Sing and Mahanaaz Sultana
National University of Singapore, School of Computing and Information Systems, Singapore Management University, National University of Singapore (NUS) - Department of Real Estate and National University of Singapore
Downloads 126 (471,365)

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Singapore's taxi industry, gender wage gap, strategic behavior, hourly income, peak hour demand

Gender Wage Gap for Singaporean Taxi Drivers: Are Women Strategic Workers?

Number of pages: 46 Posted: 19 Jan 2022
Sumit Agarwal, Shih-Fen Cheng, Tien Foo Sing and Mahanaaz Sultana
National University of Singapore, School of Computing and Information Systems, Singapore Management University, National University of Singapore (NUS) - Department of Real Estate and National University of Singapore
Downloads 56 (785,027)

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Singapore's taxi industry, gender wage gap, strategic behavior, hourly income, peak hour demand

Flexible Work Strategies by Female Taxi Drivers and Gender Pay Gap

Number of pages: 39 Posted: 27 May 2022 Last Revised: 03 Jul 2024
Sumit Agarwal, Shih-Fen Cheng, Tien Foo Sing and Mahanaaz Sultana
National University of Singapore, School of Computing and Information Systems, Singapore Management University, National University of Singapore (NUS) - Department of Real Estate and National University of Singapore
Downloads 30 (1,015,231)

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Singapore's taxi industry, gender wage gap, strategic behavior, hourly income, peak hour demand

157.

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

FRB of Philadelphia Working Paper No. 18-16
Number of pages: 105 Posted: 08 Jun 2018 Last Revised: 29 Apr 2020
Sumit Agarwal, Vyacheslav Mikhed and Barry Scholnick
National University of Singapore, Federal Reserve Bank of Philadelphia and University of Alberta - Department of Marketing, Business Economics & Law
Downloads 209 (304,539)
Citation 2

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financial distress, social comparisons among peers

158.

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

Downloads 204 (311,653)

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 135 (445,701)

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Does Social Capital Positively Influence Loan Performance Even During a Crisis?

Number of pages: 74 Posted: 15 Aug 2023
Nitin Vishen, Sumit Agarwal and Prasanna
Indian School of Business, National University of Singapore and Indian School of Business
Downloads 69 (704,851)

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Household finance, Debt-repayment behavior, Joint-liability, Covid-19 Crisis

159.

Intergenerational Influences on Personal Bankruptcy: Evidence from Singapore

Downloads 203 (313,029)

Intergenerational Influences on Personal Bankruptcy: Evidence from Singapore

Number of pages: 35 Posted: 04 Apr 2022
Sumit Agarwal, Tien Foo Sing and Xiaoyu Zhang
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and Central University of Finance and Economics
Downloads 153 (402,314)

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Intergenerational Effects, Personal Bankruptcy, Debt Relief Policy

Intergenerational Bankruptcy Risks: Learning from Parents’ Mistakes

Number of pages: 36 Posted: 19 Sep 2022 Last Revised: 21 Mar 2023
Sumit Agarwal, Tien Foo Sing and Xiaoyu Zhang
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and Central University of Finance and Economics
Downloads 50 (828,647)

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Intergenerational Effects, Bankruptcy, Debt Relief Policy, Loan Default

160.

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 - Department of Insurance & Real Estate and Georgia State University - J. Mack Robinson College of Business
Downloads 199 (318,849)
Citation 8

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Steering, Securitization, Banking Deregulation, Insurance

161.

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

World Bank Policy Research Working Paper No. 7577
Number of pages: 57 Posted: 20 Apr 2016
Sumit Agarwal, Bernardo Morais, Claudia Ruiz Ortega, Claudia Ruiz Ortega and Colin Zhang
National University of Singapore, Board of Governors of the Federal Reserve System, World BankWorld Bank - Development Research Group (DECRG) and National University of Singapore (NUS)
Downloads 198 (320,343)

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

162.

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 198 (320,343)

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

163.

Cash-back Rewards, Spending, and Debt Accumulation

Number of pages: 65 Posted: 24 Jul 2023 Last Revised: 18 May 2024
Sumit Agarwal, Swee Hoon Ang, Yonglin Wang and Jian Zhang
National University of Singapore, National University of Singapore (NUS) - Department of Marketing, Lingnan University and The University of Hong Kong - Faculty of Business and Economics
Downloads 197 (321,805)

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consumption, spending, credit card, behavioral bias, rewards, debt repayment

164.

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 197 (321,805)

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

165.

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

Number of pages: 19 Posted: 02 Aug 2010
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Pennsylvania State University - Department of Insurance & Real Estate, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 193 (327,915)

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

166.

Do fund managers’ commitments to responsible investing affect private information acquisition, information environment, and corporate sustainability?

Number of pages: 65 Posted: 14 Sep 2023 Last Revised: 07 Nov 2024
Sumit Agarwal, Johan Sulaeman, Yue Zhang and Zhe zong
National University of Singapore, National University of Singapore (NUS) - Sustainable & Green Finance Institute (SGFIN), Sun Yat-sen University (SYSU) and PwC Management Consulting
Downloads 192 (332,724)

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responsible investing, information acquisition, information environment, corporate visit, mutual funds, United Nations Principles for Responsible Investment (UNPRI)

167.

Do Pensions have Real Teeth? Evidence from the State Government Borrowing Costs

Number of pages: 55 Posted: 03 Feb 2022 Last Revised: 10 Apr 2024
Sumit Agarwal, Chunlin Liu, Qiyuan Peng, Qun Wu and Ting Zhang
National University of Singapore, University of Nevada, Reno - College of Business, University of Dayton - School of Business Administration, U of Nevada, Reno and University of Dayton - School of Business Administration
Downloads 189 (334,381)

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Pension funds, Funding shortfalls, Investment risks, Municipal bonds

168.

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

Number of pages: 31 Posted: 21 Apr 2010
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Anthony B. Sanders
National University of Singapore, Pennsylvania State University - Department of Insurance & Real Estate, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and George Mason University - School of Business
Downloads 183 (344,366)
Citation 2

Abstract:

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Subprime mortgages, default, house price appreciation, Externalities

169.

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: 07 Jun 2023
Sumit Agarwal, Peiying Huang, Chenxi Luo, Yu Qin and Changwei Zhan
National University of Singapore, Shenzhen University - College of Management, StarTaster Technology, National University of Singapore (NUS) - Department of Real Estate and The University of Hong Kong
Downloads 180 (349,483)

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COVID-19, Lockdown, Dietary change, Health

170.

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 178 (353,010)
Citation 9

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Climate Change, Morbidity Costs, Extreme Temperature, China

171.

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 178 (353,010)

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

172.

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

Number of pages: 50 Posted: 02 Jul 2018 Last Revised: 26 Nov 2018
Sumit Agarwal, Shradhey Parijat Prasad, Nishka Sharma and Prasanna L. Tantri
National University of Singapore, Indian School of Business (ISB), Hyderabad, Indian School of Business (ISB), Hyderabad and Indian School of Business
Downloads 177 (354,756)
Citation 1

Abstract:

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

173.

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 University of Florida - Department of Finance, Insurance and Real Estate
Downloads 177 (354,756)

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

174.

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

Journal of Financial Intermediation, Forthcoming
Number of pages: 48 Posted: 12 Jun 2015 Last Revised: 20 Jan 2018
Sumit Agarwal, Richard K. Green, Eric Rosenblatt, Vincent Yao and Jian Zhang
National University of Singapore, University of Southern California - Lusk Center for Real Estate, Federal National Mortgage Association (Fannie Mae) - Research, Georgia State University - J. Mack Robinson College of Business and The University of Hong Kong - Faculty of Business and Economics
Downloads 176 (356,508)
Citation 2

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Gender Difference, Economic Power, Mortgage Application, Household Finance

175.

Social Movements Boosted Online Orders for U.S. Black-Owned Restaurants After the Murder of George Floyd
 

In press Nature Human Behaviour
Number of pages: 28 Posted: 13 Mar 2023 Last Revised: 19 Nov 2024
Sumit Agarwal, Yupeng Lin and Jean (Jieyin) Zeng
National University of Singapore, National University of Singapore (NUS) - Sustainable & Green Finance Institute (SGFIN) and National University of Singapore (NUS) - NUS Business School
Downloads 173 (361,881)
Citation 1

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Social Movements, Sympathetic Response, Black Lives Matter

176.

Liquidity Constraint Threat and Household Indebtedness

Number of pages: 51 Posted: 10 May 2023 Last Revised: 24 Oct 2024
Sumit Agarwal, Wenlan Qian and Xin Zou
National University of Singapore, National University of Singapore - NUS Business School and Hong Kong Baptist University (HKBU)
Downloads 171 (365,648)

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Liquidity Constraints, Household Indebtedness, Financial Regulations, Unsecured Debt, Credit Suspension, Credit Cards, Household Finance

177.

Financial Crisis and the U.S. Mortgage Markets – A Review

Number of pages: 31 Posted: 14 Jun 2022
Sumit Agarwal and Sandeep Varshneya
National University of Singapore and Independent Researcher
Downloads 171 (365,648)

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Financial Crisis, Mortgage Markets, Causes, Policies

178.

Information Provision and Labor Efficiency: Evidence from Taxis in Singapore

Number of pages: 59 Posted: 20 Oct 2022 Last Revised: 22 Aug 2023
Sumit Agarwal, Shih-Fen Cheng, Jussi Keppo, Long Wang and Zoe Yang
National University of Singapore, School of Computing and Information Systems, Singapore Management University, National University of Singapore (NUS) - NUS Business School, Fudan University - School of Economics and The Chinese University of Hong Kong - CUHK Business School
Downloads 168 (375,160)

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Information Provision, Labor Efficiency, Market Performance, Emission and Fuel Consumption

179.

Cash-Back Rewards: Effects on Spending and Debt Accumulation

Number of pages: 65 Posted: 08 Oct 2024
Sumit Agarwal, Swee Hoon Ang, Yonglin Wang and Jian Zhang
National University of Singapore, National University of Singapore (NUS) - Department of Marketing, Lingnan University and The University of Hong Kong - Faculty of Business and Economics
Downloads 165 (377,192)

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consumption, spending, credit card, behavioral bias, rewards, debt repayment

180.

Collateral Pledge, Sunk-Cost Fallacy and Mortgage Default

Number of pages: 37 Posted: 07 Jun 2014 Last Revised: 11 Aug 2014
Sumit Agarwal, Richard K. Green, Eric Rosenblatt and Vincent Yao
National University of Singapore, University of Southern California - Lusk Center for Real Estate, Federal National Mortgage Association (Fannie Mae) - Research and Georgia State University - J. Mack Robinson College of Business
Downloads 161 (385,062)
Citation 6

Abstract:

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

181.

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 158 (391,373)

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

182.

Public Media Campaign and Energy Conservation: A Natural Experiment in Singapore

Number of pages: 41 Posted: 30 Jan 2022 Last Revised: 22 Aug 2022
Sumit Agarwal, Tien Foo Sing and Mahanaaz Sultana
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate and National University of Singapore
Downloads 154 (400,050)

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Energy Sustainability, Energy conservation, Media Campaign, Public Housing, Behavioral Intervention

183.

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

FRB of Chicago Working Paper No. 2013-13
Number of pages: 54 Posted: 14 Dec 2013 Last Revised: 10 May 2016
Sumit Agarwal, Luojia Hu and Xing Huang
National University of Singapore, Federal Reserve Bank of Chicago and Washington University in St. Louis - Olin Business School
Downloads 154 (400,050)
Citation 11

Abstract:

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

184.

Does The Internet Enhance State Capacity To Alleviate Distress

Number of pages: 41 Posted: 29 Oct 2021 Last Revised: 21 Feb 2023
Sumit Agarwal, Nithin Mannil and Prasanna L. Tantri
National University of Singapore, Indian School of Business and Indian School of Business
Downloads 147 (415,541)

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

185.

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

Journal of Financial Intermediation, Forthcoming
Number of pages: 60 Posted: 14 Sep 2017 Last Revised: 28 Mar 2022
Sumit Agarwal, Kang Mo Koo and Wenlan Qian
National University of Singapore, Yonsei University, Mirae Campus and National University of Singapore - NUS Business School
Downloads 141 (429,530)

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

186.

Noisy Experts? Discretion in Regulation

Downloads 135 (447,226)

Noisy Experts? Discretion in Regulation

Number of pages: 59 Posted: 16 Apr 2024
Sumit Agarwal, Bernardo Morais, Amit Seru and Kelly Shue
National University of Singapore, Board of Governors of the Federal Reserve System, Stanford University and Yale School of Management
Downloads 123 (483,678)

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Noise, Discretion, Algorithm aversion, Decision-making, Regulation

Noisy Experts? Discretion in Regulation

NBER Working Paper No. w32344
Number of pages: 60 Posted: 16 Apr 2024
Sumit Agarwal, Bernardo Morais, Amit Seru and Kelly Shue
National University of Singapore, Board of Governors of the Federal Reserve System, Stanford University and Yale School of Management
Downloads 12 (1,249,230)
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187.

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

NBER Working Paper No. w19920
Number of pages: 37 Posted: 24 Feb 2014 Last Revised: 07 Jun 2023
Sumit Agarwal, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet and Douglas D. Evanoff
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Federal Reserve Bank of Chicago
Downloads 134 (447,226)

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188.

Causal Effects of Alcohol Consumption on Health-related Consequences: Evidence from Finland

Number of pages: 33 Posted: 13 Apr 2022
Sumit Agarwal, Jussi Keppo, Zhiwen Wang and Zoe Yang
National University of Singapore, National University of Singapore (NUS) - NUS Business School, Centre for Family and Population Research, National University of Singapore and The Chinese University of Hong Kong - CUHK Business School
Downloads 132 (452,624)

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Alcohol consumption, Diseases, Crimes, Cross-border shopping

189.

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 128 (463,769)

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

190.

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
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Pennsylvania State University - Department of Insurance & Real Estate, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 127 (466,582)
Citation 5

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

191.

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, University of New South Wales (UNSW) and University of New South Wales (UNSW)
Downloads 123 (478,420)

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

192.

Trading in Your Golden Years: The Effects of Early Pension Withdrawal on Individual Investments

Number of pages: 77 Posted: 23 Apr 2024 Last Revised: 13 Mar 2025
Allaudeen Hameed, Sumit Agarwal, Yuanyuan Pan and Chek Ann Tan
National University of Singapore (NUS) - Department of Finance, National University of Singapore, National university of Singapore and National University of Singapore (NUS) - Department of Finance
Downloads 122 (481,463)

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Household Finance, Pension Investment, Retail Trading, Individual Portfolio Risk

193.

The Financial Crisis - Global Impact and Lessons

Number of pages: 34 Posted: 17 Jun 2022
Sumit Agarwal, Swee Hoon Ang and Sandeep Varshneya
National University of Singapore, National University of Singapore (NUS) - Department of Marketing and Independent Researcher
Downloads 122 (481,463)

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Review, financial crisis, COVID-19, crisis impact, policies, prediction

194.

An Empirical Analysis of Information Asymmetry in Home Equity Lending

Journal of Financial Services Research, Forthcoming
Number of pages: 33 Posted: 09 Mar 2015
Sumit Agarwal, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and University of Nevada, Reno - College of Business
Downloads 122 (481,463)
Citation 2

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

195.

Roads and Loans

Review of Financial Studies, Forthcoming, HKUST Business School Research Paper No. 2023-100
Number of pages: 54 Posted: 16 Jul 2019 Last Revised: 24 Mar 2023
Sumit Agarwal, Abhiroop Mukherjee and S Lakshmi Naaraayanan
National University of Singapore, Hong Kong University of Science & Technology (HKUST) and London Business School
Downloads 120 (487,675)
Citation 10

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Finance and growth, Infrastructure, Roads, Rural lending

196.

The Digital Revolution: Bridging the Information Gap in the Consumer Credit Market

Number of pages: 61 Posted: 08 Feb 2024 Last Revised: 11 Oct 2024
Sumit Agarwal, Yonglin Wang and Jian Zhang
National University of Singapore, Lingnan University and The University of Hong Kong - Faculty of Business and Economics
Downloads 119 (490,722)

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information friction, broadband access, search cost, bargaining power, mortgage broker fee JEL Classification: G21, G24, L86

197.

Loan Product Steering in Mortgage Markets

NBER Working Paper No. w22696
Number of pages: 46 Posted: 03 Oct 2016 Last Revised: 08 Jul 2023
Sumit Agarwal, Gene Amromin, Itzhak Ben-David and Douglas D. Evanoff
National University of Singapore, Federal Reserve Bank of Chicago, Ohio State University (OSU) - Department of Finance and Federal Reserve Bank of Chicago
Downloads 119 (490,722)
Citation 2

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198.

Tax Policy Transmission and Household Expenditures

Number of pages: 83 Posted: 26 Apr 2022 Last Revised: 17 Dec 2024
Sumit Agarwal, Pulak Ghosh and Jian Zhang
National University of Singapore, Indian Institute of Management Bangalore and The University of Hong Kong - Faculty of Business and Economics
Downloads 113 (510,218)

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D12, D14, H25

199.

The Cost of Business Mistakes: Consumption Response to Corporate Penalties

Number of pages: 54 Posted: 07 Jul 2022
Sumit Agarwal, Quanlin Gu, Jia He and Yongze Yu
National University of Singapore, Central University of Finance and Economics, Nankai University and Nanjing University of Finance and Economics
Downloads 110 (520,494)

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corporate penalties, consumer spending, credit cards, costs

200.

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 106 (534,801)
Citation 1

Abstract:

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

201.

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, Government of the United States of America - 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 104 (542,244)

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

202.

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

FRB of Philadelphia Working Paper No. 18-22
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 97 (568,902)
Citation 21

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financial distress, social comparisons among peers

203.

How Do Private Firms Use Credit Lines?

Economic Perspectives, Vol. 35, No. 2, p. 71, 2011
Number of pages: 9 Posted: 24 May 2011
Sumit Agarwal, Souphala Chomsisengphet and John C. Driscoll
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and Board of Governors of the Federal Reserve System
Downloads 96 (572,722)

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

204.

Sea Level Rise Risks, Adaptation Strategies, and Real Estate Prices in Singapore

Number of pages: 86 Posted: 20 Dec 2024
Sumit Agarwal, Yu Qin, Tien Foo Sing and Changwei Zhan
National University of Singapore, National University of Singapore (NUS) - Department of Real Estate, National University of Singapore (NUS) - Department of Real Estate and The University of Hong Kong
Downloads 95 (576,473)

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climate change, sea level rise, property prices, government announcement, discount rate

205.

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

Number of pages: 49 Posted: 18 Feb 2021
Sumit Agarwal, Ying Fan, Daniel P. McMillen and Tien Foo Sing
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 93 (584,478)

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real estate price index, heat map, locally weighted estimation

206.

Reducing Strategic Default in a Financial Crisis

FRB of Philadelphia Working Paper No. 21-36
Number of pages: 58 Posted: 09 Nov 2021 Last Revised: 10 Nov 2021
Sumit Agarwal, Vyacheslav Mikhed, Barry Scholnick and Man Zhang
National University of Singapore, Federal Reserve Bank of Philadelphia, University of Alberta - Department of Marketing, Business Economics & Law and The University of Sydney
Downloads 89 (600,364)

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strategic default, financial crisis

207.

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 87 (608,795)

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upgrading, urban renewal, urban redevelopment, policy evaluation

208.

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 82 (630,551)

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COVID-19, labor demand, job evolution

209.

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 82 (630,551)

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COVID-19, Epidemic, Stigmatization, Information Treatment

210.

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
Sumit Agarwal, Souphala Chomsisengphet, Barry Scholnick and Man Zhang
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), University of Alberta - Department of Marketing, Business Economics & Law and National University of Singapore, Institute of Real Estate and Urban Studies
Downloads 80 (639,487)

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Saliency Bias, Peers, Warranty Claims

211.

Job Displacement and Financial Outcomes

Number of pages: 9 Posted: 06 Jan 2019
Daniel Aaronson, Sumit Agarwal, Julie L. Hotchkiss and Taylor Kelley
Federal Reserve Bank of Chicago, National University of Singapore, Federal Reserve Bank of Atlanta and Federal Reserve Bank of Chicago
Downloads 78 (648,638)
Citation 2

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

212.

Why Do Financially Unconstrained Individuals Respond to Higher Credit Limits? *

Number of pages: 79 Posted: 17 Oct 2024 Last Revised: 15 Jan 2025
Sumit Agarwal, Shashwat Alok, Pulak Ghosh and Xiaoyu Zhang
National University of Singapore, Indian School of Business (ISB), Hyderabad, Indian Institute of Management (IIMB), Bangalore and Central University of Finance and Economics
Downloads 77 (657,922)

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consumption, credit card, cue theory, financial decision-making, household behavior, liquid buffers, precautionary savings, liquidity constraints, mpc, credit

213.

Mortgages, Subways and Automobiles

Number of pages: 54 Posted: 04 Dec 2024 Last Revised: 14 Jan 2025
Sumit Agarwal, Yeow Hwee Chua, Pulak Ghosh, Soumya Ghosh and Liuyang She
National University of Singapore, Nanyang Technological University (NTU), Indian Institute of Management (IIMB), Bangalore, State Bank of India and Nanyang Technological University (NTU)
Downloads 71 (682,713)

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Public Transit, Household Finance, Mortgage, Delinquency, Prepayment, Financial Constraints, Inequality, Subway

214.

Who Pays for Your Rewards? Redistribution of the Credit Card Market

IMF Working Paper No. 2023/054
Number of pages: 73 Posted: 22 May 2023
Sumit Agarwal, Andrea Presbitero, André F. Silva and Carlo Wix
National University of Singapore, International Monetary Fund (IMF), Board of Governors of the Federal Reserve System and Board of Governors of the Federal Reserve System
Downloads 67 (703,899)
Citation 1

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household finance, credit cards, financial sophistication, rewards, credit card market, account limit, reward card, naïve consumer, credit card reward, Consumer credit, Income, Credit ceilings, Interest payments, Income distribution

215.

Rural roads, small business creation, and the gender-gap in entrepreneurship

Number of pages: 48 Posted: 13 Dec 2024
S Lakshmi Naaraayanan, Abhiroop Mukherjee, Sumit Agarwal and Pulak Ghosh
London Business School, Hong Kong University of Science & Technology (HKUST), National University of Singapore and Indian Institute of Management (IIMB), Bangalore
Downloads 64 (720,512)

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JEL classification: O2, O18, O43, L26 Entrepreneurship, Rural Roads, Gender-gap, Small Businesses, Infrastructure and Growth

216.

Are Environmental Punishments Good News or Bad News? Evidence from China

Number of pages: 40 Posted: 26 Oct 2022
Sumit Agarwal, Yanhao Ding, weida kuang and Xiao Zhu
National University of Singapore, Renmin University of China - School of Business, Renmin University of China and Renmin University of China
Downloads 55 (775,624)

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Environmental Punishments, Housing Transaction Prices, Information Disclosure, Information Dissemination, Health Concern

217.

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 52 (796,150)
Citation 2

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housing space, implicit price, hedonic regression, urban redevelopment

218.

Bridging the Educational Divide: The Effects of Mobile Network Connectivity on Student Enrollment and Academic Performance

Number of pages: 40 Posted: 09 Oct 2024
Sumit Agarwal, Liu Ee Chia and Pulak Ghosh
National University of Singapore, Pennsylvania State University - Smeal College of Business and Indian Institute of Management (IIMB), Bangalore
Downloads 50 (810,323)

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Telecommunications, Information and Communication Technology (ICT), Mobile Network, Education, Enrollment

219.

Impact of Third-party Reporting on Corporate Tax Evasion: Evidence from Indian Tax Records

Number of pages: 61 Posted: 11 Dec 2024
Shashwat Alok, Sumit Agarwal, Shiv Dixit and Tejaswi Velayudhan
Indian School of Business (ISB), Hyderabad, National University of Singapore, Indian School of Business and University of California, Irvine
Downloads 47 (832,832)

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Corporate tax evasion, third-party information

220.

Does Information Reduce Covid-19 Related Negative Demand Shocks?

Number of pages: 47 Posted: 25 Apr 2022
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), Tsinghua University - Hang Lung Center for Real Estate and Nanyang Technological University - School of Social Sciences
Downloads 42 (873,298)

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COVID-19, Epidemic, Negative Demand Shock, Information Treatment

221.

Developer Transparency and Mortgage Access: Expanding Homeownership

Number of pages: 64 Posted: 07 Oct 2024
Sumit Agarwal, Mingxuan Fan, Pulak Ghosh, Arkodipta Sarkar and Xiaoyu Zhang
National University of Singapore, National University of Singapore (NUS), Indian Institute of Management (IIMB), Bangalore, National University of Singapore and Central University of Finance and Economics
Downloads 38 (908,681)

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homeownership, real estate developers, mortgage, affordability

222.

Transportation Technology and Gentrification: Evidence from the entry of Ridesharing Services

Number of pages: 72 Posted: 29 Oct 2024
Sumit Agarwal, Shashwat Alok, Sergio Correia, Deepa Mani and Bernardo Morais
National University of Singapore, Indian School of Business (ISB), Hyderabad, Board of Governors of the Federal Reserve System, Indian School of Business (ISB), Hyderabad and Board of Governors of the Federal Reserve System
Downloads 37 (917,939)

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223.

Do As Essay, Not As I Do? How Inflated List Prices of Unsold Essayer Homes Affect the Price Discovery Process

Number of pages: 48 Posted: 29 Oct 2022
Sumit Agarwal, Michael J. Seiler and Ralph Siebert
National University of Singapore, College of William and Mary and Purdue University
Downloads 31 (976,853)

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Essayers, Hedonic Pricing, Housing Market, Spillover Effects, Unsold Properties.

224.

Association Between Bike-Sharing Systems and the Blood Pressure of Local Citizens: A Cross-Sectional Study in China

Number of pages: 38 Posted: 05 Sep 2024
Sumit Agarwal, Bing Li, Wenlan Qian, Rongju Sun and Yuan Ren
National University of Singapore, Sun Yat-sen University (SYSU) - Lingnan College, National University of Singapore - NUS Business School, Chinese PLA General Hospital and Zhejiang University
Downloads 20 (1,104,550)

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bike-sharing, blood pressure, public health, sharing economy, physical activity

225.

Mortgages, Subways and Automobiles

Number of pages: 54 Posted: 17 Mar 2025
Sumit Agarwal, Yeow Hwee Chua, Pulak Ghosh, Soumya Ghosh and Liuyang She
National University of Singapore, affiliation not provided to SSRN, Indian Institute of Management (IIMB), Bangalore, State Bank of India and Nanyang Technological University (NTU)
Downloads 8 (1,259,210)

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Subway, Public Transit, Household Finance, Mortgage, Delinquency, Prepayment, Financial Constraints, Inequality

226.

The Response of Online Consumer Spending to Air Pollution: Evidence from a Quasi-experiment in China

Posted: 25 Jul 2022
Sumit Agarwal, Long Wang and Zoe Yang
National University of Singapore, Fudan University - School of Economics and The Chinese University of Hong Kong - CUHK Business School

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Air pollution, Online consumption, Environmental governance, Winter heating policy

227.

Water Conservation Through Plumbing and Nudging

Nature Human Behaviour (2022). https://www.nature.com/articles/s41562-022-01320-y
Posted: 30 Mar 2021 Last Revised: 04 Apr 2022
Sumit Agarwal, Eduardo Araral, Mingxuan Fan, Yu Qin and Huanhuan Zheng
National University of Singapore, National University of Singapore (NUS), National University of Singapore (NUS), National University of Singapore (NUS) - Department of Real Estate and National University of Singapore

Abstract:

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228.

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

229.

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

230.

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

Real Estate Economics, 2011
Posted: 10 Oct 2010
Sumit Agarwal, Brent W. Ambrose, Souphala Chomsisengphet and Anthony B. Sanders
National University of Singapore, Pennsylvania State University - Department of Insurance & Real Estate, Government of the United States of America - Office of the Comptroller of the Currency (OCC) and George Mason University - School of Business

Abstract:

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Subprime mortgages; default; house price appreciation

231.

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
Sumit Agarwal, Souphala Chomsisengphet and Olivier Hassler
National University of Singapore, Government of the United States of America - 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

232.

Determinants of Small Business Default

Posted: 11 Jul 2005
Sumit Agarwal, Souphala Chomsisengphet and Chunlin Liu
National University of Singapore, Government of the United States of America - 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

233.

Asymmetric Information and the Automobile Loan Market

Posted: 08 Jul 2005
Sumit Agarwal, Brent W. Ambrose and Souphala Chomsisengphet
National University of Singapore, Pennsylvania State University - Department of Insurance & Real Estate and Government of the United States of America - Office of the Comptroller of the Currency (OCC)

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Consumer debt, consumption decisions, prepayment, default

234.

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

235.

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

236.

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

237.

Impact of State Exemption Laws on Small Business Bankruptcy Decision

Posted: 07 Dec 2004
Sumit Agarwal, Souphala Chomsisengphet, Chunlin Liu and Lawrence Mielnicki
National University of Singapore, Government of the United States of America - Office of the Comptroller of the Currency (OCC), University of Nevada, Reno - College of Business and De Lage Landen Financial Services

Abstract:

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

238.

Credit Lines and Credit Utilization

Posted: 21 Jun 2004
Brent W. Ambrose, Sumit Agarwal and Chunlin Liu
Pennsylvania State University - Department of Insurance & Real Estate, National University of Singapore and University of Rhode Island

Abstract:

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Home equity lines, prepayment, banks