| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w21611 |
| 来源ID | Working Paper 21611 |
| Moral Incentives in Credit Card Debt Repayment: Evidence from a Field Experiment | |
| Leonardo Bursztyn; Stefano Fiorin; Daniel Gottlieb; Martin Kanz | |
| 发表日期 | 2015-10-05 |
| 出版年 | 2015 |
| 语种 | 英语 |
| 摘要 | We study the role of morality in debt repayment, using an experiment with the credit card customers of a large Islamic bank in Indonesia. In our main treatment, clients receive a text message stating that “non-repayment of debts by someone who is able to repay is an injustice.” This moral appeal decreases the share of delinquent customers by 4.4 percentage points from a baseline of 66 percent, and reduces default among the customers with the highest ex-ante credit risk. Additional treatments help benchmark the effects against those of direct financial incentives, understand the underlying mechanisms, and rule out competing explanations, such as reminder effects, priming religion, signaling the lender's commitment to debt collection, and provision of new information. |
| 主题 | Microeconomics ; Households and Firms ; Financial Economics ; Financial Institutions ; Other ; Culture |
| URL | https://www.nber.org/papers/w21611 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/579285 |
| 推荐引用方式 GB/T 7714 | Leonardo Bursztyn,Stefano Fiorin,Daniel Gottlieb,et al. Moral Incentives in Credit Card Debt Repayment: Evidence from a Field Experiment. 2015. |
| 条目包含的文件 | 条目无相关文件。 | |||||
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