全球智库信息集成服务系统(G2TT): Do Neighborhoods Affect Credit Market Decisions of Low-Income Borrowers? Evidence from the Moving to Opportunity Experiment

G2TT

来源类型	Working Paper
规范类型	报告
DOI	10.3386/w25023
来源ID	Working Paper 25023
	Do Neighborhoods Affect Credit Market Decisions of Low-Income Borrowers? Evidence from the Moving to Opportunity Experiment
	Sarah Miller; Cindy K. Soo
发表日期	2018-09-17
出版年	2018
语种	英语
摘要	This paper isolates the causal impact of neighborhood environment on credit outcomes of low-income borrowers by analyzing the participants of the Moving to Opportunity (MTO) experiment. MTO was a unique, large-scale experiment that offered families vouchers to move to better neighborhoods via randomized lottery. We find higher credit scores and use among those required to move to the lowest poverty areas as young children. For those who moved as adults, we find that better neighborhoods lead to a reduction of overdue debts and delinquencies, but only among those given unrestricted neighborhood choice.
主题	Microeconomics ; Households and Firms ; Financial Economics ; Behavioral Finance
URL	https://www.nber.org/papers/w25023
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/582697
推荐引用方式 GB/T 7714	Sarah Miller,Cindy K. Soo. Do Neighborhoods Affect Credit Market Decisions of Low-Income Borrowers? Evidence from the Moving to Opportunity Experiment. 2018.