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All Outputs (2)

Why are some households so poorly insured? (2018)
Journal Article
Gathergood, J., & Wylie, D. (2018). Why are some households so poorly insured?. Journal of Economic Behavior and Organization, 156, 1-12. https://doi.org/10.1016/j.jebo.2018.08.006

We explore empirically how households insure themselves against consumption volatility. We asked households how they would fund an unexpected emergency consumption expense equivalent to one month’s income. Answers reveal a range of consumption insura... Read More about Why are some households so poorly insured?.

How do payday loans affect borrowers?: evidence from the UK market (2018)
Journal Article
Gathergood, J., Guttman-Kenney, B., & Hunt, S. (2019). How do payday loans affect borrowers?: evidence from the UK market. Review of Financial Studies, 32(2), 496–523. https://doi.org/10.1093/rfs/hhy090

Payday loans are controversial high cost, short-term lending products, banned in many US states. But debates surrounding their benefits to consumers continue. We analyse the effects of payday loans on consumers using a unique dataset including 99% of... Read More about How do payday loans affect borrowers?: evidence from the UK market.